Best SIP Plans in Mutual Funds for 2019 – Low Risk and High Returns

Best SIP Plans in Mutual Funds to invest in India in 2019Best SIP Plans in Mutual Funds for 2019 for low risk investors


There are several SIP Mutual Funds in India. Some SIP plans are high risk and provide good returns. Some SIP Mutual funds are high risk, but one need to wait for a long time to get good returns. You may find it difficult to identify a high return mutual fund scheme if you are moderate to low risk taker. We have filtered some of the Best SIP Plans in Mutual funds for such investors in this article. Which are the Best SIP Plans that are low risk and provide high returns? Which are the Top SIP Plans in Mutual Funds for moderate to low risk taker?

SIP Plans for Moderate to low risk takers – What we meant here?


First of all, let us understand that Mutual funds does not eliminate risk at all. Even debt funds have become risky after IL&FS scam. However, if you can invest in mutual funds that invests partly in equity and partly in debt, you can reduce your risk. You can pick-up some of these low risk, high return mutual funds if you are a conservative investor or moderate to low risk taker. You can expect 15% to 20% annualized returns if you can invest for 10-20 years time frame.

Who should not invest in this Low risk and High Returns Funds?


Here are some of the investors who can stay away from these mutual fund schemes.

1) If you are thinking to make quick money in the stock market, these mutual funds are not for you.

2) If you are a high risk taker and willing to invest in midcap/small cap funds, then you can ignore this article.

3) If you are thinking that SENSEX would grow in coming years and expect to get returns similar to that of SENSEX or any Index, you may skip these SIP plans.

How we analyzed these Best SIP Plans in Mutual Funds for 2019  that are Low Risk and provide High Returns?


We have filtered these low risk, high return MFs based on some of these key parameters.

1) Mutual fund scheme whose strategy is to invest in equity + debt instruments. These are hybrid in nature.

2) Mutual Fund schemes that have performed well in 1 year, 3 years, 5 years and 10 years time frame when invested through SIP.

3) Mutual Fund Schemes that have overcome losses in the last 1 year as stock market being volatile these days.

4) Funds that have good rating by Value Research Online

5) Funds that have good rating by Crisil.

6) Mutual Funds that have AUM of over Rs 500 Crores which gives confidence to investors.

Some of these hybrid MFs have not performed well in the last 1 year as stock market being volatile. You need to keep this aspect aside, as your goal is to invest for long term of over 10 years.

5 Best SIP Plans in Mutual Funds for 2019 – Low Risk and High Returns


Let us jump into these Best Mutual Funds to invest through SIPs.

Top#1 – ICICI Prudential Equity & Debt Fund


Best SIP Plans in Mutual Funds - ICICI Pru equity and Debt fund

What is its investment Strategy?

The mutual fund aims to generate capital appreciation by investing in a portfolio that is invested in equities and related securities as well as fixed income and money market securities. The approximate allocation to equity would be in the range of 60% to 80% with a minimum of 51%, and the approximate debt allocation is 40% to 49%, with a minimum of 20%.

How is the Performance of fund in case of SIP investment?

If you would have invested Rs 1,000 per month through SIP for 10 years, the invested value would have been Rs 120,000 (Rs 1,000 x 120 months) and the value of the fund would have now grown to Rs 2.6 Lakhs. 

If you would have invested Rs 1,000 per month through SIP for 5 years, the invested value would have been Rs 60,000 (Rs 1,000 x 60 months) and the value of the fund would have now grown to Rs 78,000. 

If you would have invested Rs 1,000 per month through SIP for 3 years, the invested value would have been Rs 36,000 (Rs 1,000 x 36 months) and the value of the fund would have now grown to Rs 40,000.

How is the Performance of fund in case of lump sum investment?

This mutual fund scheme gave 15% annualized returns in the last 5 years and 17% annualized returns in the last 10 years. If you would have invested Rs 1 Lakh 5 years back, your investment would have grown to Rs 2.1 Lakhs. If you would have invested Rs 1 Lakh 10 years back, your investment would have now grown to Rs 4.8 Lakhs.

Why to invest?

This fund has been performing well in the last 10-20 years. This fund gave highest SIP returns in this segment. Since inception (last 20 years), this fund has given 14% annualized returns. VRO rated this as 4 Star. This is one of the Best SIP Plans in India in 2019 which is low risk and can provide the highest returns in the next 10-20 years.

Top#2 – HDFC Hybrid Equity Fund


Best SIP Plans in Mutual Funds - HDFC Hybrid equity fund

What is its investment Strategy?

The Scheme seeks to generate capital appreciation / income from a portfolio, predominantly of equity & equity related instruments.

How is the Performance of fund in case of SIP investment?

If you would have invested Rs 1,000 per month through SIP for 10 years, the invested value would have been Rs 120,000 (Rs 1,000 x 120 months) and the value of the fund would have now grown to Rs 2 Lakhs. 

If you would have invested Rs 1,000 per month through SIP for 5 years, the invested value would have been Rs 60,000 (Rs 1,000 x 60 months) and the value of the fund would have now grown to Rs 70,000. 

If you would have invested Rs 1,000 per month through SIP for 3 years, the invested value would have been Rs 36,000 (Rs 1,000 x 36 months) and the value of the fund would have now grown to Rs 38,000.

How is the Performance of fund in case of lump sum investment?

This mutual fund scheme gave 16% annualized returns in the last 5 years and 19% annualized returns in the last 10 years. If you would have invested Rs 1 Lakh 5 years back, your investment would have grown to Rs 2.1 Lakhs. If you would have invested Rs 1 Lakh 10 years back, your investment would have now grown to Rs 5.7 Lakhs.

Why to invest?

This fund has been performing well compared to its peers in the low risk high return segment. This fund gave good SIP returns in this hybrid segment. Since inception (last 13 years), this fund has given 16% annualized returns. VRO rated this as 4 Star.  This is one of the Top SIP Plans for 2019 to invest in India for the long term.

Top#3 – SBI Equity Hybrid Fund


Best SIP Plans in Mutual Funds - SBI equity hybrid fund

What is its investment Strategy?

The mutual fund scheme aims to provide investor capital appreciation along with the liquidity by investing in a mix of debt and equity. The scheme will invest in a diversified portfolio of equities of high growth companies and balance the risk through investing the rest in fixed income securities.

How is the Performance of fund in case of SIP investment?

If you would have invested Rs 1,000 per month through SIP for 10 years, the invested value would have been Rs 120,000 (Rs 1,000 x 120 months) and the value of the fund would have now grown to Rs 2.4 Lakhs. 

If you would have invested Rs 1,000 per month through SIP for 5 years, the invested value would have been Rs 60,000 (Rs 1,000 x 60 months) and the value of the fund would have now grown to Rs 76,000. 

If you would have invested Rs 1,000 per month through SIP for 3 years, the invested value would have been Rs 36,000 (Rs 1,000 x 36 months) and the value of the fund would have now grown to Rs 42,000.

How is the Performance of fund in case of lump sum investment?

This mutual fund scheme gave 15% annualized returns in the last 5 years and 16% annualized returns in the last 10 years. If you would have invested Rs 1 Lakh 5 years back, your investment would have grown to Rs 2 Lakhs. If you would have invested Rs 1 Lakh 10 years back, your investment would have now grown to Rs 4.4 Lakhs.

Why to invest?

This fund too gave highest SIP returns in this hybrid segment. Since inception (last 23 years), this fund has given 16% annualized returns. VRO rated this as 4 Star.  This is one of the Best SIP Plans in India that has been consistently performing in the last 20 years.

Top#4 – L&T Hybrid Equity Fund


Best SIP Plans in Mutual Funds - L&T hybrid Fund

What is its investment Strategy?

The MF scheme aims to generate long-term capital appreciation from a diversified portfolio of predominantly equity and equity related securities.

How is the Performance of fund in case of SIP investment?

This fund came 7.5+ years back (94 months), hence let us compare equivalent performance. If you would have invested Rs 1,000 per month through SIP for 94 months, the invested value would have been Rs 94,000 (Rs 1,000 x 94 months) and the value of the fund would have now grown to Rs 1.55 Lakhs. 

If you would have invested Rs 1,000 per month through SIP for 5 years, the invested value would have been Rs 60,000 (Rs 1,000 x 60 months) and the value of the fund would have now grown to Rs 76,000. 

If you would have invested Rs 1,000 per month through SIP for 3 years, the invested value would have been Rs 36,000 (Rs 1,000 x 36 months) and the value of the fund would have now grown to Rs 40,000.

How is the Performance of fund in case of lump sum investment?

This mutual fund scheme gave 15% annualized returns in the last 5 years and 12% annualized returns in the last 7.5 years. If you would have invested Rs 1 Lakh 5 years back, your investment would have grown to Rs 2 Lakhs.

Why to invest?

This is one of the consistent performing SIP mutual funds in the last 8 years that gave 12% annualized return since inception. VRO rated this as 4 Star.  This is one of the good SIP Plans for 2019 that can be invested for next 8-10 years.

Top#5 – Franklin India Equity Hybrid Fund


Best SIP Plans in Mutual Funds - Franklin India equity Hybrid fund

What is its investment Strategy?

The mutual fund seeks to get long-term capital appreciation with stability of investment and current income from a balanced portfolio of high quality equity and fixed-income securities.

How is the Performance of fund in case of SIP investment?

If you would have invested Rs 1,000 per month through SIP for 10 years, the invested value would have been Rs 120,000 (Rs 1,000 x 120 months) and the value of the fund would have now grown to Rs 2.2 Lakhs. 

If you would have invested Rs 1,000 per month through SIP for 5 years, the invested value would have been Rs 60,000 (Rs 1,000 x 60 months) and the value of the fund would have now grown to Rs 74,000. 

If you would have invested Rs 1,000 per month through SIP for 3 years, the invested value would have been Rs 36,000 (Rs 1,000 x 36 months) and the value of the fund would have now grown to Rs 40,000.

How is the Performance of fund in case of lump sum investment?

This mutual fund scheme gave 14% annualized returns in the last 5 years and 15% annualized returns in the last the last 10 years. If you would have invested Rs 1 Lakh 5 years back, your investment would have grown to Rs 1.9 Lakhs. If you would have invested Rs 1 Lakh 10 years back, your investment would have now grown to Rs 3.9 Lakhs.

Why to invest?

This is one of the consistent performing mutual funds in the last 21 years that gave 14% annualized return since inception. VRO rated this as 3 Star.  This is one of the Best SIP Plans to invest in India for long term of 10-15 years.

Summary of Best SIP Plans in India for 2019 is here


List of Best SIP Plans in Mutual Funds - Low risk and High Return-2019

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Best SIP Plans in Mutual Funds for 2019 – Low Risk and High Returns

The Author

Suresh KP

Suresh KP i.e. me have written 1,800+ articles on this blog. I love doing analysis on various Best Investment Plans like mutual funds, Stocks, IPO's, NCD Bonds, Insurance products. If you like our blog, you can share some of the good articles on your Facebook or Twitter. This would be the BIGGEST gift which you would be giving to us.

33 Comments

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  1. Hi Suresh,

    I have currently invested in the following Mutual Funds:-

    ABSL Equity Advantage Fund: 5000 pm
    Reliance Small Cap Fund:- 5000 pm

    I just reviewed the ASBL Mutual Fund and found out that its rating has dropped significantly since I started investing in it. I have availed for a 5 year period out of which 1 year has passed. Do I continue or exit? Moreover, I would like to invest in 2 more mutual funds. Considering my portfolio do I invest in 2 mid caps or 1 mid & small cap? Thanks in advance for your help.

    1. Hello Ameya, ABSL equity advantage fund is largecap/midcap fund. Its longterm perspective is good. You can continue to invest for medium to long term. Regarding additional funds, you can invest in ICICI focussed blue chip fund, ABSL Frontline equity fund from largecap/diversified segment and ICICI Debt and equity fund and HDFC Hybrid fund from balanced segments. This way you would have diverisifed/largecap/smallcap/balanced funds in your portfolio

  2. Hi Suresh
    My Fixed Deposit of Rs, 9 lakhs will be matured by March 19. I want to invest this amount in Mutual Funds without taking much risk as I am 68 years and still active in profession. I may not need this money for 3 to 4 years. I have Bank FD 70 L, ELSS investments in ABSL, DSP & L& T mutual funds totalling to approximately 15 lakhs. Share investment of 3 Lakhs and rental income of 35000/- pm. Please suggest where I will reinvest, as except ELSS, not much idea of other MF schemes. Regards. Amit Mukherjee

    1. Hello Amit, Since you want to invest only 3-4 years, you cannot invest in equity mutual funds. If you can invest for 5 years, balanced mutual funds could be best one. You can check the balanced funds indicated in this article.

  3. Sir I want to 2lakh lumsump investment and one sip
    Please help me because I am beginner in mutual fund.
    Shailesh Kumar Singh

    1. Hi Shailesh, Since you are new to mutual funds, you can start with the balanced funds indicated in this article. You can invest Rs 2 Lakhs in liquid funds and do STP (it is like SIP where your amount would transfer from liquid fund to equity fund) for 3 to 6 months to couple of balanced funds indicated in this article

  4. Can you please let me know your thoughts on gammon infrastructure , GTL infrastructure, Sunil high-tech, sanwaria,capital trade links Ltd,HBL power and Suzlon energy shares .I bought at very High price in bulk but now all are at lows ..not sure what to do..

  5. I am 72 , semi-retired Medical Doctor. I have 1.5 to 2 lakh per month of Rental & Proffessional Income . Will retire fully in few years.I have kept my horizon as 3-5- years
    I Have 1.5 Crore in saving banks & transfered them to following DIRECT DEBT schemes (for conitinous almost assured income :-
    10 Lakh RELIANCE ULTRA SHORT DIREC PLAN (G)
    10 Lakh SBI Magnum ULTRA SHORT Duration DIRECT Fund(G)
    10 Lakh ABSL FIXED TERM PLAN Series RN (1240 days) FMP
    40 Lakh in Edelweiss Low Duration F DIRECT (G)
    30 Lakh in KOTAK Low Duration (G)

    REST of the Balance is going in SIP worth One Lakhs per month,on different dates in following:-
    KOTAK STANDARD Multi-Cap FUND DIRECT PLAN (G)

    ABSL FRONTLINE EQUITY FUND DIRECT PLAN (G)
    ICICI PRU. BLUE CHIP fund DIRECT PLAN (G)
    SBI BLUECHIP FUND DIRECT PLAN (G)
    AXIS BLUECHIP FUND DIRECT PLAN (G)
    Please SUGGEST is this OKAY or should I select from my DEBT Funds (from above list) into their RESPECTIVE GOOD EQUITY/HYBRID FUNDS BY STP
    THANKS

    1. Hello Dr. Raj. Glad to hear that at your current age, you are still thinking of investments in mutual fund schemes. The funds selected by you are good. My advice is to keep some money in debt funds for emergency money. Balance invest in debt funds and you can do STP to equity funds. you don’t need to invest in new funds, you can do STP to existing funds indicated by you. However the funds indicated by you are bluechip / largecap / diversified and there would be some risk. If you want to eliminate majorly, you can look for balanced/hybrid funds

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