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Diversified allocation across equity, debt and commodities supports steadier growth in changing markets.
Low-risk hybrid and multi-asset schemes continue to deliver consistent performance throughout 2025.
Disciplined management and controlled volatility help these funds maintain reliability for long-term goals.
Hybrid and multi-asset mutual funds are gaining popularity among individuals seeking steady growth with minimal volatility. These schemes mix equity, debt and alternative assets. This balance makes them suitable for conservative profiles that look for long-term stability. Based on recent performance data these are the top-performing low-risk mutual funds for 2025.
Return (p.a): 23.50%
AUM: Rs. 4,057 crore
Current Value: Rs. 10.74 lakh
Expense Ratio: 0.63%
This fund stands out in the low-risk category. It spreads investments across equity, debt and commodities. Its flexible approach enables it to adapt to various market situations. Many investors prefer it for strong returns with controlled volatility.
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Return (p.a): 20.65%
AUM: Rs. 71,900 crore
Current Value: Rs. 10.03 lakh
Expense Ratio: 0.69%
This long-running scheme is recognized for its disciplined allocation and strong risk management. It has a steady record of delivering dependable results in different market phases. Its consistency keeps it popular among conservative profiles.
Return (p.a): 16.98%
AUM: Rs. 11,306 crore
Current Value: Rs. 9.17 lakh
Expense Ratio: 0.62%
This fund offers broad diversification for cautious investors. It uses equity, debt and gold to lower fluctuations. It fits long-term goals where slow and stable growth is a priority.
Also Read: How to Diversify Your Balanced Mutual Fund Portfolio in 2025
Return (p.a): 14.00%
AUM: Rs. 1,705 crore
Current Value: Rs. 8.52 lakh
Expense Ratio: 0.97%
This scheme provides a careful mix of equity, debt and commodities. It employs regular rebalancing to maintain the portfolio's stability during market fluctuations. It suits those who prefer predictable and measured growth.
Return (p.a): 19.81%
AUM: Rs. 48,071 crore
Current Value: Rs. 9.82 lakh
Expense Ratio: 0.94%
This hybrid scheme blends equity growth with debt stability. Its diverse investments help reduce risks while allowing room for gains. A long and reliable track record supports its credibility.
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Return (p.a): 17.79%
AUM: Rs. 3,317 crore
Current Value: Rs. 9.35 lakh
Expense Ratio: 0.38%
This fund is recognized for its low costs and steady returns. Its cost-efficient structure helps improve net returns. Its balanced method makes it suitable for moderate growth without sharp downside risks.
Return (p.a): 14.32%
AUM: Rs. 9,425 crore
Current Value: Rs. 8.59 lakh
Expense Ratio: 0.38%
This fund is recognized for its prudent allocation across high-quality equity and debt assets. It focuses on delivering stable performance with fewer fluctuations. It appeals to those who want long-term stability.
Return (p.a): 14.02%
AUM: Rs. 11,403 crore
Current Value: Rs. 8.53 lakh
Expense Ratio: 0.58%
This long-time performer works with controlled risk and steady returns. It follows a conservative style that helps during challenging market phases. It remains a preferred option among cautious hybrid investors.
Return (p.a): 13.57%
AUM: Rs. 68,450 crore
Current Value: Rs. 8.43 lakh
Expense Ratio: 0.87%
This flagship fund adjusts its mix of equity and debt in response to market conditions and valuations. This method helps limit losses in volatile times. Its size and long record build confidence.
Return (p.a): 13.12%
AUM: Rs. 9,662 crore
Current Value: Rs. 8.34 lakh
Expense Ratio: 0.57%
This scheme uses a rules-based model to rebalance its portfolio. This helps smooth returns across different market cycles. It fits investors who want both growth and safety.
Return (p.a): 12.70%
AUM: Rs. 13,239 crore
Current Value: Rs. 8.25 lakh
Expense Ratio: 0.53%
This fund follows a valuation-based method to adjust exposure. This helps it respond to market conditions effectively. Its steady risk management keeps it attractive for conservative groups.
Return (p.a): 12.05%
AUM: Rs. 3,636 crore
Current Value: Rs. 8.12 lakh
Expense Ratio: 0.65%
This scheme uses dynamic shifts between equity and debt to reduce downside risk. Its focus stays on stability with moderate growth. It suits those who prefer predictable and steady returns.
The 2025 performance list shows that hybrid and multi-asset funds continue to lead the low-risk space. Diversification, sensible costs and active balancing support steady growth. These funds offer a practical option for individuals seeking stability without incurring high market risks. Although returns vary, all these top schemes share disciplined management and consistent long-term delivery.
1. What is a low-risk mutual fund, and how does it help investors who want stable long-term growth?
A low-risk mutual fund focuses on safer assets, such as debt and balanced portfolios, helping investors grow their money steadily without sharp volatility.
2. How do hybrid mutual funds balance equity and debt to reduce sudden market swings for investors?
Hybrid funds mix equity for growth and debt for stability. This blend lowers sharp movements and creates a smoother investment journey over time.
3. Why do many investors choose multi-asset funds during uncertain economic conditions?
Multi-asset funds allocate money across various asset classes, including equity, debt, and commodities. This helps keep portfolios steady when markets behave unpredictably.
4. What role does an expense ratio play in deciding whether a mutual fund is cost-effective?
The expense ratio indicates the annual fees a fund charges. A lower cost helps investors keep more returns and improves long-term growth potential.
5. How important is fund size when judging the reliability and consistency of a mutual fund?
Fund size can indicate stability. Larger funds often have strong processes and management experience, which supports consistent performance.
