Nippon India Mutual Fund
Nippon India Conservative Hybrid Fund Growth Plan Option
6.9Q1★4
- NAV
- ₹68.82
- Expense
- 1.08%
- AUM
- ₹948 Cr
- 1Y
- +7.7%
- 3Y
- +9.0%
- 5Y
- +8.9%
#1 of 5
Min SIP: ₹100Ideal: 3+ yearsHigh Risk
HDFC Mutual Fund
HDFC Hybrid Debt Fund - Growth Option - Direct Plan
3Y returns
9.3%
past performance*
5Y returns
9.5%
past performance*
1.20%Expense ratio
₹3.3K CrFund size
A licensed partner advisor will guide you — free, no PAN or bank details needed now.
*Past performance does not guarantee future returns. Returns are historical and subject to market risk.
NAV₹88.04
1D—
Expense1.2%
AUM₹3.3K Cr
Min SIP₹100
Min Lumpsum₹100
Trailing returns (CAGR)
| 1W | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| -0.63% | +0.96% | +0.00% | -0.38% | +1.52% | +9.28% | +9.47% | +9.14% |
🎯 OnePaisa Verdict
4.1/ 10
Below AverageBreakdown
- Returns3/10
- Consistency6/10
- Risk1/10
- Cost5/10
- Size7/10
- 5★ Morningstar rating
💡 Ratings are not guarantees. Past performance does not predict future results.
SIP Returns
Simulated ₹10,000/month systematic investment plan, computed from NAV history.
1 Year SIP
+0.77%
₹1.21 L value on ₹1.20 L invested
3 Year SIP
—
Not enough NAV history yet.
5 Year SIP
—
Not enough NAV history yet.
vs Category (Conservative Hybrid)
This fund (1Y)
+1.52%
Rank #5 of 5
Category average (1Y)
+3.65%
Quartile Q4
Beats 0% of conservative hybrid funds on 1Y return.
Risk Analysis
- Std Deviation (1Y)3.60%Low
- Max Drawdown (1Y)-3.64%Low
- Sharpe Ratio (1Y)-1.38Poor
- Sortino Ratio (1Y)-1.39Poor
💡 Higher Sharpe = better risk-adjusted returns. Above 1.0 is good, above 2.0 is excellent. Drawdown is the worst peak-to-trough decline.
Calendar Year Returns
+2.63%
2025
-1.11%
2026
💰 What This Fund Costs You
Expense ratio: 1.20%
That is ₹1,200 per year on every ₹1 lakh invested.
10-year impact on ₹1 lakh (assuming 12% gross return)
Without this expense, ₹1 lakh would have grown to ₹3.11 L.
🎯 Is This Fund Right For You?
- Ideal horizon
- 3+ years
- Minimum: 2 years
- Risk profile
- Moderately Low
- SIP recommended
- ➖ Lump sum preferred
- Lump sum
75-90% debt, 10-25% equity. Mostly stable returns with a small equity kicker.
Suitable goals
- Stable income with growth kicker
- Conservative portfolio core
Suitable for
- Retirees wanting some growth
- Ultra-conservative investors
- FD switchers wanting slightly more
Not suitable for
- Growth-seeking investors
- Those with 5+ year horizons (equity is better)
🧾 Taxation
This is an Hybrid Fund (debt-taxed).
- Short-term (Less than 2 years)
- As per income tax slab
- Long-term (2 years or more)
- 12.5%
- LTCG exemption
- No exemption
- TDS
- No TDS for resident Indians
💡 Worked example
Invest ₹1,00,000 and gain ₹25,000 over 2 years:
- Tax type: LTCG (12.5% LTCG)
- Taxable gain: ₹25,000
- Tax owed: ₹3,125
- You keep: ₹1,21,875
Conservative Hybrid and Equity Savings funds with under 65% equity — taxed like debt funds.
🚨 Things to Watch
Below category average
Returns of 1.5% trail the category average of 3.6% by 2.1%.
Bottom quartile performer
Ranked #5 of 5 in its category (bottom 25%). Most peers are doing better.
Poor risk-adjusted returns
Sharpe ratio of -1.38 means you’re not being adequately compensated for the risk taken.
📊 SIP Calculator — HDFC Hybrid Debt Fund Option
Estimated corpus
₹3.85 L
- Total invested
- ₹3.00 L
- Estimated gain
- ₹84,823 (+28%)
▮ Invested▮ Gains
How it stacks up vs alternatives
- Fixed Deposit (7%)₹3.60 L
- Category average (9.3%)₹3.83 L
- This fund (9.47%)₹3.85 L
⚠️ Projection based on past CAGR. Actual returns may vary. Markets are subject to risk; past performance is not a guarantee of future results.
▶Show Advanced Analysis
📈 Risk vs Return
Return 1.5% · Risk (std dev) 3.6%
SweetGrowthSlowAvoidLow riskHigh risk
Safe but slow
Stable but modest returns — suits capital preservation.
Sharpe ratio of -1.38 confirms poor risk-adjusted returns.
🛡️ Downside Protection
If the broader market falls 20%, this fund is expected to fall about 4.9%.
Based on 1Y max drawdown of -3.6% versus a typical market correction of ~-15%. Historical fall ratio ≈ 0.24× market. Above-average protection.
⚠️ Estimate, not a guarantee. Actual market falls vary.
💸 Expense Impact (₹10K/month for 20 years at 12% gross)
- This fund — Direct (1.20%)₹85.07 L
- Index fund (0.10%)₹98.57 L
- Regular plan (~1.50%)₹81.76 L
Choosing this Direct plan over a Regular plan saves about ₹3.31 L. Index fund would still beat it by ₹13.50 L thanks to its lower expense ratio.
Fund information
- Scheme category
- Hybrid Scheme - Conservative Hybrid Fund
- Benchmark
- CRISIL Hybrid 85+15 - ConservativeTR INR
- Inception
- 2013-01-01
- Lock-in
- None
- Exit load
- 0 - 1 Years : 1.0 %
- Plan
- Direct
- Option
- Growth
Data freshness
- NAV as of: 2026-10-22
- Metrics calculated: 2026-10-23
- Source: mfapi.in, AMFI India
NAV trend
See how a SIP grows in this fund
Use the SIP Calculator with this fund's historical CAGR to project a monthly investment.
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