{"id":11232,"date":"2026-07-17T10:15:00","date_gmt":"2026-07-17T04:45:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=11232"},"modified":"2026-07-17T10:09:28","modified_gmt":"2026-07-17T04:39:28","slug":"top-5-conservative-hybrid-mutual-funds-based-on-3-year-returns-in-2026-parag-parikh-sbi-and-more","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/top-5-conservative-hybrid-mutual-funds-based-on-3-year-returns-in-2026-parag-parikh-sbi-and-more\/","title":{"rendered":"Top 5 Conservative Hybrid Mutual Funds Based on 3-Year Returns in 2026: Parag Parikh, SBI and More"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Synopsis: <\/strong><em>Conservative hybrid mutual funds combine debt and equity investments to offer relatively stable returns with limited market exposure. This article highlights the top 5 conservative hybrid funds based on their 3-year returns in 2026. <\/em><\/p>\n<\/blockquote>\n\n\n\n<p>Conservative hybrid funds are often considered by investors looking to generate regular cash flows through a Systematic Withdrawal Plan (SWP). Their debt-oriented portfolios combined with limited equity exposure may help reduce volatility compared with pure equity funds. However, the rankings below are based on the funds&#8217; 3-year returns and <strong>not on SWP performance.&nbsp;<\/strong><\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-2404257632\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/money\/recommends\/scapia\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"scapia (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg\" alt=\"scapia (1)\"  srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg 1000w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-980x980.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1000px, 100vw\" width=\"350\" height=\"350\"  style=\"display: inline-block;\" \/><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-conservative-hybrid-mutual-fund\" style=\"font-size:22px\"><strong>What is a Conservative Hybrid Mutual Fund?<\/strong><\/h2>\n\n\n\n<p>A Conservative Hybrid Mutual Fund is a hybrid scheme that invests <strong>75%\u201390% <\/strong>of its assets in debt instruments such as government securities, corporate bonds and money market instruments, while allocating <strong>10%\u201325%<\/strong> to equities. The debt portion aims to provide relative stability and regular income, while the equity allocation seeks to generate moderate capital appreciation over the long term. These funds are generally suitable for investors with a low to moderate risk appetite who are looking for lower volatility than pure equity funds.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-illustration-how-an-swp-can-work-in-a-conservative-hybrid-fund-nbsp\" style=\"font-size:22px\"><strong>Illustration: How an SWP Can Work in a Conservative Hybrid Fund&nbsp;<\/strong><\/h2>\n\n\n<div id=\"footable_parent_11233\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui \">\n                <table data-ninja_table_instance=\"ninja_table_instance_0\" data-footable_id=\"11233\" data-filter-delay=\"1000\" aria-label=\"Mutual Fund - Sheet2 (1).csv\"            id=\"footable_11233\"\n           data-unique_identifier=\"ninja_table_unique_id_1046098256_11233\"\n           class=\" foo-table ninja_footable foo_table_11233 ninja_table_unique_id_1046098256_11233 ui table  ninja_search_right nt_type_ajax_table selectable striped compact vertical_centered  footable-paging-right ninja_table_search_disabled\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                    <\/colgroup>\n            <\/table>\n    \n    \n    \n<\/div>\n\n\n\n\n<p><strong>Note:<\/strong> This illustration assumes a constant <strong>10% annual return<\/strong> with monthly compounding and monthly withdrawals. Actual SWP outcomes will vary depending on fund performance, market conditions, taxes, expenses and withdrawal timing.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-top-5-conservative-hybrid-mutual-funds-based-on-3-year-returns-nbsp\" style=\"font-size:22px\"><strong>Top 5 Conservative Hybrid Mutual Funds Based on 3-Year Returns&nbsp;<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-parag-parikh-conservative-hybrid-fund\" style=\"font-size:18px\"><strong>1. <a href=\"https:\/\/groww.in\/mutual-funds\/parag-parikh-conservative-hybrid-fund-direct-growth\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Parag Parikh Conservative Hybrid Fund<\/a><\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>NAV: \u20b916.11<\/li>\n\n\n\n<li>AUM: \u20b93,418.90 Cr<\/li>\n\n\n\n<li>Expense Ratio: 0.30%<\/li>\n\n\n\n<li>Exit Load: 1% (within 365 days)<\/li>\n\n\n\n<li><strong>Performance Snapshot<\/strong>\n<ul class=\"wp-block-list\">\n<li>3-Year CAGR: 10.9%<\/li>\n\n\n\n<li>3-Year Absolute Return: 36.6%<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Category Comparison (3-Year)<\/strong>\n<ul class=\"wp-block-list\">\n<li>3-Year CAGR: 10.9%<\/li>\n\n\n\n<li>Hybrid Conservative Category Average: 9.1%<\/li>\n\n\n\n<li>Outperformance: +1.8 percentage points<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-aditya-birla-sun-life-conservative-hybrid-active-fof\" style=\"font-size:18px\"><strong>2. <a href=\"https:\/\/groww.in\/mutual-funds\/aditya-birla-sun-life-conservative-hybrid-active-fof-direct-growth\">Aditya Birla Sun Life Conservative Hybrid Active FoF<\/a><\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>NAV: \u20b937.89<\/li>\n\n\n\n<li>AUM: \u20b917.37 Cr<\/li>\n\n\n\n<li>Expense Ratio: 0.42%<\/li>\n\n\n\n<li>Exit Load: 1% (within 1 year)<\/li>\n\n\n\n<li><strong>Performance Snapshot<\/strong>\n<ul class=\"wp-block-list\">\n<li>3-Year CAGR: 10.4%<\/li>\n\n\n\n<li>3-Year Absolute Return: 35.6%<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Category Comparison (3-Year)<\/strong>\n<ul class=\"wp-block-list\">\n<li>3-Year CAGR: 10.4%<\/li>\n\n\n\n<li>Hybrid Conservative Category Average: 9.1%<\/li>\n\n\n\n<li>Outperformance: +1.3 percentage points<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-hsbc-conservative-hybrid-fund\" style=\"font-size:18px\"><strong>3. <a href=\"https:\/\/groww.in\/mutual-funds\/hsbc-monthly-i-come-plan-direct-growth\">HSBC Conservative Hybrid Fund<\/a><\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>NAV: \u20b972.01<\/li>\n\n\n\n<li>AUM: \u20b9151.10 Cr<\/li>\n\n\n\n<li>Expense Ratio: 1.22%<\/li>\n\n\n\n<li>Exit Load: Nil&nbsp;<\/li>\n\n\n\n<li><strong>Performance Snapshot<\/strong>\n<ul class=\"wp-block-list\">\n<li>3-Year CAGR: 9.9%<\/li>\n\n\n\n<li>3-Year Absolute Return: 33.8%<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Category Comparison (3-Year)<\/strong>\n<ul class=\"wp-block-list\">\n<li>3-Year CAGR: 9.9%<\/li>\n\n\n\n<li>Hybrid Conservative Category Average: 9.1%<\/li>\n\n\n\n<li>Outperformance: +0.8 percentage points<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Also read:<\/strong> <a href=\"https:\/\/tradebrains.in\/money\/epfo-launches-vishwas-2026-settle-pending-pf-penalty-cases-at-lower-rates-check-who-benefits-from-the-scheme\/\" target=\"_blank\" rel=\"noreferrer noopener\">EPFO Launches VISHWAS 2026: Settle Pending PF Penalty Cases at Lower Rates &#8211; Check Who Benefits From the Scheme<\/a><\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-icici-prudential-regular-savings-fund\" style=\"font-size:18px\"><strong>4. <a href=\"https:\/\/groww.in\/mutual-funds\/icici-prudential-regular-savings-fund-direct-growth\">ICICI Prudential Regular Savings Fund<\/a><\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>NAV: \u20b987.80<\/li>\n\n\n\n<li>AUM: \u20b93,347.77&nbsp; Cr<\/li>\n\n\n\n<li>Expense Ratio:1.03%<\/li>\n\n\n\n<li>Exit Load: 1% (within 1 year)<\/li>\n\n\n\n<li><strong>Performance Snapshot<\/strong>\n<ul class=\"wp-block-list\">\n<li>3-Year CAGR: 9.7%<\/li>\n\n\n\n<li>3-Year Absolute Return: 32.9%<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Category Comparison (3-Year)<\/strong>\n<ul class=\"wp-block-list\">\n<li>3-Year CAGR: 9.7%<\/li>\n\n\n\n<li>Hybrid Conservative Category Average: 9.1%<\/li>\n\n\n\n<li>Outperformance: +0.6 percentage points<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-sbi-conservative-hybrid-fund\" style=\"font-size:18px\"><strong>5. <a href=\"https:\/\/groww.in\/mutual-funds\/sbi-magnum-monthly-i-come-plan-direct-growth\">SBI Conservative Hybrid Fund<\/a><\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>NAV: \u20b984.14<\/li>\n\n\n\n<li>AUM: \u20b910,144.75 Cr<\/li>\n\n\n\n<li>Expense Ratio: 0.98%<\/li>\n\n\n\n<li>Exit Load: 1% (within 1 year)<\/li>\n\n\n\n<li><strong>Performance Snapshot<\/strong>\n<ul class=\"wp-block-list\">\n<li>3-Year CAGR: 9.3%<\/li>\n\n\n\n<li>3-Year Absolute Return: 31.1%<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Category Comparison (3-Year)<\/strong>\n<ul class=\"wp-block-list\">\n<li>3-Year CAGR: 9.3%<\/li>\n\n\n\n<li>Hybrid Conservative Category Average: 9.1%<\/li>\n\n\n\n<li>Outperformance: +0.2 percentage points&nbsp;<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-things-to-consider-before-investing-nbsp\" style=\"font-size:22px\"><strong>Things to Consider Before Investing&nbsp;<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Choose a fund that aligns with your financial goals and risk appetite.<\/li>\n\n\n\n<li>Review the portfolio&#8217;s debt quality and equity allocation.<\/li>\n\n\n\n<li>Compare expense ratios, as lower costs can improve long-term returns.<\/li>\n\n\n\n<li>Understand exit load and taxation before investing.<\/li>\n\n\n\n<li>If you plan to use an SWP, ensure your withdrawal rate is sustainable.<\/li>\n\n\n\n<li>Past performance should not be the sole basis for selecting a mutual fund.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-are-conservative-hybrid-funds-risk-free-nbsp\" style=\"font-size:22px\"><strong>Are Conservative Hybrid Funds Risk-Free?&nbsp;<\/strong><\/h2>\n\n\n\n<p>No. While these funds generally carry lower equity exposure than aggressive hybrid or equity funds, they are not risk-free. Their returns can be affected by equity market movements, interest rate changes and credit risks in the debt portfolio.<\/p><div class=\"trade-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3113868543\"><div translate=\"no\" class='mailmunch-forms-widget-1169732'><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-should-consider-these-funds-nbsp\" style=\"font-size:22px\"><strong>Who Should Consider These Funds?&nbsp;<\/strong><\/h2>\n\n\n\n<p>Conservative hybrid mutual funds may be suitable for investors with a <strong>low to moderate risk appetite<\/strong>, retirees or income-focused investors planning an <strong>SWP<\/strong>, first-time mutual fund investors, and those with an investment horizon of <strong>three years or more<\/strong> seeking relatively stable returns with lower volatility than pure equity funds.<\/p>\n\n\n\n<p><strong><em>Disclaimer: <\/em><\/strong><em>The information provided in this article is for educational purposes only and should not be construed as financial advice or investment recommendation. Returns mentioned are based on historical performance and may not be sustained in the future. Mutual fund investments are subject to market risks, including potential loss of capital. Investors are advised to assess their risk appetite and financial goals and to consult a certified financial advisor before investing.<\/em><\/p><div class=\"trade-content-2\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-2848403902\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/get\/voltmoney\/\" rel=\"noopener\" class=\"a2t-link\" aria-label=\"LAMF3 300_250 (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/LAMF3-300_250-1.png\" alt=\"\"  width=\"300\" height=\"250\"   \/><\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Synopsis: Conservative hybrid mutual funds combine debt and equity investments to offer relatively stable returns with limited market exposure. This article highlights the top 5 conservative hybrid funds based on their 3-year returns in 2026. Conservative hybrid funds are often considered by investors looking to generate regular cash flows through a Systematic Withdrawal Plan (SWP). [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":11236,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"<!-- wp:quote -->\n<blockquote class=\"wp-block-quote\"><!-- wp:paragraph -->\n<p><strong>Synopsis: <\/strong><em>Conservative hybrid mutual funds combine debt and equity investments to offer relatively stable returns with limited market exposure. This article highlights the top 5 conservative hybrid funds based on their 3-year returns in 2026. <\/em><\/p>\n<!-- \/wp:paragraph --><\/blockquote>\n<!-- \/wp:quote -->\n\n<!-- wp:paragraph -->\n<p>Conservative hybrid funds are often considered by investors looking to generate regular cash flows through a Systematic Withdrawal Plan (SWP). Their debt-oriented portfolios combined with limited equity exposure may help reduce volatility compared with pure equity funds. However, the rankings below are based on the funds' 3-year returns and <strong>not on SWP performance.\u00a0<\/strong><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading {\"style\":{\"typography\":{\"fontSize\":\"22px\"}}} -->\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-conservative-hybrid-mutual-fund\" style=\"font-size:22px\"><strong>What is a Conservative Hybrid Mutual Fund?<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p>A Conservative Hybrid Mutual Fund is a hybrid scheme that invests <strong>75%\u201390% <\/strong>of its assets in debt instruments such as government securities, corporate bonds and money market instruments, while allocating <strong>10%\u201325%<\/strong> to equities. The debt portion aims to provide relative stability and regular income, while the equity allocation seeks to generate moderate capital appreciation over the long term. These funds are generally suitable for investors with a low to moderate risk appetite who are looking for lower volatility than pure equity funds.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading {\"style\":{\"typography\":{\"fontSize\":\"22px\"}}} -->\n<h2 class=\"wp-block-heading\" id=\"h-illustration-how-an-swp-can-work-in-a-conservative-hybrid-fund-nbsp\" style=\"font-size:22px\"><strong>Illustration: How an SWP Can Work in a Conservative Hybrid Fund&nbsp;<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:shortcode -->\n[ninja_tables id=\"11233\"]\n<!-- \/wp:shortcode -->\n\n<!-- wp:paragraph -->\n<p><strong>Note:<\/strong> This illustration assumes a constant <strong>10% annual return<\/strong> with monthly compounding and monthly withdrawals. Actual SWP outcomes will vary depending on fund performance, market conditions, taxes, expenses and withdrawal timing.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading {\"style\":{\"typography\":{\"fontSize\":\"22px\"}}} -->\n<h2 class=\"wp-block-heading\" id=\"h-top-5-conservative-hybrid-mutual-funds-based-on-3-year-returns-nbsp\" style=\"font-size:22px\"><strong>Top 5 Conservative Hybrid Mutual Funds Based on 3-Year Returns&nbsp;<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:heading {\"level\":3,\"style\":{\"typography\":{\"fontSize\":\"18px\"}}} -->\n<h3 class=\"wp-block-heading\" id=\"h-1-parag-parikh-conservative-hybrid-fund\" style=\"font-size:18px\"><strong>1. <a href=\"https:\/\/groww.in\/mutual-funds\/parag-parikh-conservative-hybrid-fund-direct-growth\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Parag Parikh Conservative Hybrid Fund<\/a><\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol class=\"wp-block-list\"><\/ol>\n<!-- \/wp:list -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>NAV: \u20b916.11<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>AUM: \u20b93,418.90 Cr<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Expense Ratio: 0.30%<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Exit Load: 1% (within 365 days)<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Performance Snapshot<\/strong><!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>3-Year CAGR: 10.9%<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>3-Year Absolute Return: 36.6%<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list --><\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Category Comparison (3-Year)<\/strong><!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>3-Year CAGR: 10.9%<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Hybrid Conservative Category Average: 9.1%<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Outperformance: +1.8 percentage points<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list --><\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"level\":3,\"style\":{\"typography\":{\"fontSize\":\"18px\"}}} -->\n<h3 class=\"wp-block-heading\" id=\"h-2-aditya-birla-sun-life-conservative-hybrid-active-fof\" style=\"font-size:18px\"><strong>2. <a href=\"https:\/\/groww.in\/mutual-funds\/aditya-birla-sun-life-conservative-hybrid-active-fof-direct-growth\">Aditya Birla Sun Life Conservative Hybrid Active FoF<\/a><\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:list {\"ordered\":true,\"start\":2} -->\n<ol start=\"2\" class=\"wp-block-list\"><\/ol>\n<!-- \/wp:list -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>NAV: \u20b937.89<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>AUM: \u20b917.37 Cr<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Expense Ratio: 0.42%<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Exit Load: 1% (within 1 year)<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Performance Snapshot<\/strong><!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>3-Year CAGR: 10.4%<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>3-Year Absolute Return: 35.6%<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list --><\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Category Comparison (3-Year)<\/strong><!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>3-Year CAGR: 10.4%<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Hybrid Conservative Category Average: 9.1%<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Outperformance: +1.3 percentage points<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list --><\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"level\":3,\"style\":{\"typography\":{\"fontSize\":\"18px\"}}} -->\n<h3 class=\"wp-block-heading\" id=\"h-3-hsbc-conservative-hybrid-fund\" style=\"font-size:18px\"><strong>3. <a href=\"https:\/\/groww.in\/mutual-funds\/hsbc-monthly-i-come-plan-direct-growth\">HSBC Conservative Hybrid Fund<\/a><\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:list {\"ordered\":true,\"start\":3} -->\n<ol start=\"3\" class=\"wp-block-list\"><\/ol>\n<!-- \/wp:list -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>NAV: \u20b972.01<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>AUM: \u20b9151.10 Cr<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Expense Ratio: 1.22%<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Exit Load: Nil\u00a0<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Performance Snapshot<\/strong><!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>3-Year CAGR: 9.9%<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>3-Year Absolute Return: 33.8%<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list --><\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Category Comparison (3-Year)<\/strong><!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>3-Year CAGR: 9.9%<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Hybrid Conservative Category Average: 9.1%<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Outperformance: +0.8 percentage points<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list --><\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:quote -->\n<blockquote class=\"wp-block-quote\"><!-- wp:paragraph -->\n<p><strong>Also read:<\/strong> <a href=\"https:\/\/tradebrains.in\/money\/epfo-launches-vishwas-2026-settle-pending-pf-penalty-cases-at-lower-rates-check-who-benefits-from-the-scheme\/\" target=\"_blank\" rel=\"noreferrer noopener\">EPFO Launches VISHWAS 2026: Settle Pending PF Penalty Cases at Lower Rates - Check Who Benefits From the Scheme<\/a><\/p>\n<!-- \/wp:paragraph --><\/blockquote>\n<!-- \/wp:quote -->\n\n<!-- wp:heading {\"level\":3,\"style\":{\"typography\":{\"fontSize\":\"18px\"}}} -->\n<h3 class=\"wp-block-heading\" id=\"h-4-icici-prudential-regular-savings-fund\" style=\"font-size:18px\"><strong>4. <a href=\"https:\/\/groww.in\/mutual-funds\/icici-prudential-regular-savings-fund-direct-growth\">ICICI Prudential Regular Savings Fund<\/a><\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:list {\"ordered\":true,\"start\":4} -->\n<ol start=\"4\" class=\"wp-block-list\"><\/ol>\n<!-- \/wp:list -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>NAV: \u20b987.80<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>AUM: \u20b93,347.77\u00a0 Cr<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Expense Ratio:1.03%<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Exit Load: 1% (within 1 year)<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Performance Snapshot<\/strong><!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>3-Year CAGR: 9.7%<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>3-Year Absolute Return: 32.9%<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list --><\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Category Comparison (3-Year)<\/strong><!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>3-Year CAGR: 9.7%<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Hybrid Conservative Category Average: 9.1%<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Outperformance: +0.6 percentage points<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list --><\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"level\":3,\"style\":{\"typography\":{\"fontSize\":\"18px\"}}} -->\n<h3 class=\"wp-block-heading\" id=\"h-5-sbi-conservative-hybrid-fund\" style=\"font-size:18px\"><strong>5. <a href=\"https:\/\/groww.in\/mutual-funds\/sbi-magnum-monthly-i-come-plan-direct-growth\">SBI Conservative Hybrid Fund<\/a><\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:list {\"ordered\":true,\"start\":5} -->\n<ol start=\"5\" class=\"wp-block-list\"><\/ol>\n<!-- \/wp:list -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>NAV: \u20b984.14<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>AUM: \u20b910,144.75 Cr<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Expense Ratio: 0.98%<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Exit Load: 1% (within 1 year)<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Performance Snapshot<\/strong><!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>3-Year CAGR: 9.3%<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>3-Year Absolute Return: 31.1%<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list --><\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Category Comparison (3-Year)<\/strong><!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>3-Year CAGR: 9.3%<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Hybrid Conservative Category Average: 9.1%<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Outperformance: +0.2 percentage points\u00a0<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list --><\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"style\":{\"typography\":{\"fontSize\":\"22px\"}}} -->\n<h2 class=\"wp-block-heading\" id=\"h-things-to-consider-before-investing-nbsp\" style=\"font-size:22px\"><strong>Things to Consider Before Investing&nbsp;<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>Choose a fund that aligns with your financial goals and risk appetite.<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Review the portfolio's debt quality and equity allocation.<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Compare expense ratios, as lower costs can improve long-term returns.<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Understand exit load and taxation before investing.<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>If you plan to use an SWP, ensure your withdrawal rate is sustainable.<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Past performance should not be the sole basis for selecting a mutual fund.<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"style\":{\"typography\":{\"fontSize\":\"22px\"}}} -->\n<h2 class=\"wp-block-heading\" id=\"h-are-conservative-hybrid-funds-risk-free-nbsp\" style=\"font-size:22px\"><strong>Are Conservative Hybrid Funds Risk-Free?&nbsp;<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p>No. While these funds generally carry lower equity exposure than aggressive hybrid or equity funds, they are not risk-free. Their returns can be affected by equity market movements, interest rate changes and credit risks in the debt portfolio.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading {\"style\":{\"typography\":{\"fontSize\":\"22px\"}}} -->\n<h2 class=\"wp-block-heading\" id=\"h-who-should-consider-these-funds-nbsp\" style=\"font-size:22px\"><strong>Who Should Consider These Funds?&nbsp;<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Conservative hybrid mutual funds may be suitable for investors with a <strong>low to moderate risk appetite<\/strong>, retirees or income-focused investors planning an <strong>SWP<\/strong>, first-time mutual fund investors, and those with an investment horizon of <strong>three years or more<\/strong> seeking relatively stable returns with lower volatility than pure equity funds.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong><em>Disclaimer: <\/em><\/strong><em>The information provided in this article is for educational purposes only and should not be construed as financial advice or investment recommendation. Returns mentioned are based on historical performance and may not be sustained in the future. Mutual fund investments are subject to market risks, including potential loss of capital. Investors are advised to assess their risk appetite and financial goals and to consult a certified financial advisor before investing.<\/em><\/p>\n<!-- \/wp:paragraph -->","_et_gb_content_width":"","footnotes":""},"categories":[7,14],"tags":[],"ppma_author":[3332],"class_list":["post-11232","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds","category-trending"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Top 5 Conservative Hybrid Mutual Funds Based on 3-Year Returns in 2026: Parag Parikh, SBI and More<\/title>\n<meta name=\"description\" content=\"Conservative hybrid mutual funds combine debt and equity investments to offer relatively stable returns with limited market exposure. 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