Best SIP Funds

SIP is a method of investment in any market-linked product, the other being the lump sum or single payment method. A Systematic Investment Plan (SIP) is a method of disciplined investment in market-linked funds offered by fund houses, insurance companies, and other financial institutions. SIP ULIP funds can be broadly categorized under Large cap, Mid cap, Debt, and Hybrid funds.

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Best ULIP Plans
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Top performing plans with High Returns*

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Insurance Partners
26.4 Million
Policies Sold
Equity (Large, Mid Cap)
Balanced
Debt
Fund Details
Fund Size
NAV
5 Year
7 Year
10 Year
Top 200 Fund
Fund Size: 1,772 Cr
1,772 Cr
157.01 -2.62%
27.3% Highest Returns
21.6%
19.47%
Get Details
Virtue II
Fund Size: 2,984 Cr
2,984 Cr
69.78 -1.71%
23.76% Highest Returns
19.2%
17.76%
Get Details
Pure Equity
Fund Size: 2,475 Cr
2,475 Cr
69.85 -1.31%
19.17% Highest Returns
15.58%
16.34%
Get Details
Super Select Equity Fund
Fund Size: 1,271 Cr
1,271 Cr
74.11 -1.36%
18.29% Highest Returns
14.76%
15.89%
Get Details
Growth Opportunities Plus Fund
Fund Size: 980 Cr
980 Cr
67.98 -0.77%
18.97% Highest Returns
16.09%
15.65%
Get Details
Pure Stock Fund
Fund Size: 6,541 Cr
6,541 Cr
143.91 -1.46%
18.39% Highest Returns
15.15%
15.52%
Get Details
Large Cap Equity Fund
Fund Size: 2,593 Cr
2,593 Cr
66.31 -0.50%
20.36% Highest Returns
17.55%
15.21%
Get Details
Frontline Equity Fund
Fund Size: 3,438 Cr
3,438 Cr
62.47 -0.98%
18.48% Highest Returns
15.3%
14.97%
Get Details
Grow Money Plus Fund
Fund Size: 433 Cr
433 Cr
64.11 -0.73%
17.68% Highest Returns
15.6%
14.91%
Get Details
Whole Life Aggressive Growth Fund
Fund Size: 773 Cr
773 Cr
80.68 -1.00%
17.42% Highest Returns
15.16%
14.61%
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Build India Fund
Fund Size: 40 Cr
40 Cr
57.38 -0.62%
16.51% Highest Returns
14.69%
14.37%
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Equity Top 250 Fund
Fund Size: 565 Cr
565 Cr
55.97 -0.73%
16.28% Highest Returns
13.17%
14.06%
Get Details
Accelerator Fund
Fund Size: 231 Cr
231 Cr
44.77 -0.77%
18.71% Highest Returns
15.36%
13.78%
Get Details
Top 50 Fund
Fund Size: 281 Cr
281 Cr
86.86 -0.74%
17.48% Highest Returns
15.44%
13.7%
Get Details
Equity Growth Fund II
Fund Size: 4,823 Cr
4,823 Cr
67.62 -0.55%
15.24% Highest Returns
13.42%
13.49%
Get Details
Future Apex Fund
Fund Size: 89 Cr
89 Cr
51.27 -0.89%
17.76% Highest Returns
14.78%
13.37%
Get Details
Blue Chip Fund
Fund Size: 8,793 Cr
8,793 Cr
47.03 -0.47%
14.83% Highest Returns
13.33%
12.85%
Get Details
Growth Super Fund
Fund Size: 13,855 Cr
13,855 Cr
74.81 -0.87%
15.26% Highest Returns
13.89%
12.72%
Get Details
Maximiser
Fund Size: 2,938 Cr
2,938 Cr
62.59 -0.70%
15.52% Highest Returns
13.7%
12.71%
Get Details
Multi Cap Growth Fund
Fund Size: 19,262 Cr
19,262 Cr
49.68 -0.51%
13.98% Highest Returns
10.89%
12.51%
Get Details
Equity Fund
Fund Size: 67,910 Cr
67,910 Cr
187.79 -1.74%
14.91% Highest Returns
13.02%
12.42%
Get Details
Equity Large Cap Fund
Fund Size: 496 Cr
496 Cr
52.44 -0.44%
13.91% Highest Returns
11.88%
12.22%
Get Details
Enhancer Fund-II
Fund Size: 935 Cr
935 Cr
51.97 -0.49%
14.59% Highest Returns
13.03%
12.16%
Get Details
Bluechip Equity Fund
Fund Size: 1,072 Cr
1,072 Cr
41.71 -0.32%
16.35% Highest Returns
14.22%
12.16%
Get Details
Super 20
Fund Size: 1,972 Cr
1,972 Cr
59.84 -0.52%
14.62% Highest Returns
13.67%
12.02%
Get Details
Future Opportunity Fund
Fund Size: 72 Cr
72 Cr
39.44 -0.66%
16.32% Highest Returns
13.53%
11.99%
Get Details
Bluechip Fund
Fund Size: 4,457 Cr
4,457 Cr
42.5 -0.32%
14.16% Highest Returns
12.37%
11.94%
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Magnifier
Fund Size: 1,275 Cr
1,275 Cr
114.67 -1.19%
13.92% Highest Returns
12.36%
11.89%
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Maximiser Fund V
Fund Size: 56,434 Cr
56,434 Cr
49.98 -0.42%
14.86% Highest Returns
12.46%
11.71%
Get Details
Value & Momentum
Fund Size: 671 Cr
671 Cr
45.19 -0.99%
16.1% Highest Returns
10.16%
11.28%
Get Details
Future Maximize Fund
Fund Size: 92 Cr
92 Cr
50.2 -0.68%
14.47% Highest Returns
12.14%
11.09%
Get Details
Growth Plus Fund
Fund Size: 558 Cr
558 Cr
33.81 -0.33%
12.27% Highest Returns
10.53%
10.7%
Get Details
Equity II Fund
Fund Size: 3,467 Cr
3,467 Cr
38.45 -0.37%
12.53% Highest Returns
10.8%
10.59%
Get Details
Blue-Chip Equity Fund
Fund Size: 1,113 Cr
1,113 Cr
32.66 -0.26%
12.2% Highest Returns
11.51%
10.14%
Get Details
Growth Fund
Fund Size: 8,660 Cr
8,660 Cr
100 -0.41%
11.1% Highest Returns
9.89%
9.65%
Get Details
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NAV
5 Year
7 Year
10 Year
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Fund Details
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NAV
5 Year
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10 Year
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Best ULIP Funds - Consider the best performing ULIP funds to invest in 2024 with Policybazaar. Find the list of best ULIP funds in India on the basis of Returns, Latest Nav, Fund Size and Categories

Data source : value research

Returns as on 23-07-2024. The returns are the returns of best-performing fund in the plan

Best SIP Funds

Here is a list of top SIP funds in the financial market.

Fund Name Fund Size NAV 5 Year 7 Year 10 Year
TATA AIA Super Select Equity Fund - Large Cap Rs. 936 Crore 45.73% 10.02% 12.73% 15.43%
Aditya Birla Capital Pure Equity - Large-cap Rs. 1,120 Crore 40.94% 9.88% 14.73% 15.41%
TATA AIA Life Insurance Whole Life Mid Cap Equity Fund Rs. 8,405 Crore 73.96% 10.80% 13.85% 19.08%
TATA AIA Life Insurance Top 200 Fund - Mid cap Rs. 623 Crore 84.63% 16.18% 17.25% 17.17%
Ageas Federal Life Insurance Pure Fund - Debt Rs. 322 Crores 29.76% 8.18% 10.89% 13.73%
Tata AIA Life Insurance Whole Life Income Fund Rs. 800 Crores 31.77% 6.52% 7.81% 8.27%
TATA AIA Life Insurance Whole Life Stable Growth Fund - Hybrid Rs. 168 Crore 39.92% 9.70% 10.18% 11.43%
Bharti AXA Life Save N Grow Money Fund Rs. 71 Crore 41.80% 8.22% 9.42% 10.60%

Let us know in detail about the top SIP funds.

  1. TATA AIA Super Select Equity Fund

    Following are the main highlights of the TATA AIA Super Select Equity Fund:

    • The date of inception of this fund is 16th October 2009.

    • The total fund size is Rs. 936 crores approximately.

    • The Net Value Asset (NAV) stands at 45.73% currently.

    • The fund falls under the category of India Insurance Multi-cap.

    • The number of equity holdings is 33, whereas other holdings are 2.

    • The number of stock holdings is 45.

    • 5-year returns are 10.02%, 7 years is 12.73%, whereas 10-year returns under the fund are 15.43%.

  2. Aditya Birla Capital Pure Equity

    Following are the main highlights of Aditya Birla Capital Pure Equity:

    • The date of inception of this fund is 9th March 2012.

    • The total fund size is Rs. 1,120 crores approximately.

    • The Net Value Asset (NAV) stands at 40.94% currently.

    • The fund falls under the category of India Insurance Multi-cap.

    • The number of equity holdings is 46, bond holdings are 1, whereas other holdings are 2.

    • The top 10 holding is 46%.

    • 5-year returns are 9.88%, 7 years is 14.73%, whereas 10-year returns under the fund are 15.41%.

  3. Tata AIA Life – Whole Life Mid Cap Equity Fund

    Following are the main highlights of TATA AIA Life Whole Life Mid Cap Equity Fund:

    • The date of inception of this fund is 8th January 2007.

    • The total fund size is Rs. 8,405 crores approximately.

    • The Net Value Asset (NAV) stands at 73.96% currently.

    • 70% is the total assets in stocks.

    • The number of stock holdings is 45.

    • The top 10 holding is 23.56%.

    • 5-year returns are 10.80%, 7 years is 13.85%, whereas 10-year returns under the fund are 19.08%.

  4. TATA AIA Life Insurance Top 200 Fund

    Following are the main highlights of TATA AIA Life Insurance Top 200 Fund:

    • The date of inception of this fund is 12th January 2009.

    • The total fund size is Rs. 2,442 crores approximately.

    • The Net Value Asset (NAV) stands at 48.27% currently.

    • The fund falls under the category of India Insurance Mid-cap.

    • The number of equity holdings is 29, whereas other holdings are 3.

    • The top 10 holding is 33%.

    • 5-year returns are 16.18%, 7 years is 17.25%, whereas 10-year returns under the fund are 17.17%.

  5. Ageas Federal Life Insurance Pure Fund

    Following are the main highlights of Ageas Federal Life Insurance Pure Fund:

    • The date of inception of this fund is 1st September 2010.

    • The total fund size is Rs. 322 crores approximately.

    • The current 1-day returns are 0.13%, and the Net Asset Value (NAV) stands at 29.76%.

    • 5-year returns under this fund are 8.18%, 7 years is 10.89%, whereas the highest 10-year returns under the fund are 13.73%.

  6. Tata AIA Life Insurance Whole Life Income Fund

    Tata AIA Life Insurance Whole Life Income Fund is a ULIP (Unit Linked Insurance Plan) fund that principally invests in market fixed-income instruments. Following are the main highlights of Tata AIA Life Insurance Whole Life Income Fund:

    • The date of inception of this fund is 3rd May 2018.

    • The total fund size is Rs. 800 crores approximately.

    • The Net Asset Value (NAV) stands at 31.77%.

    • 5-year returns under this fund are 6.52%, 7 years is 7.81%, whereas the highest 10-year returns under the fund are 8.27%.

  7. TATA AIA Life Insurance Whole Life Stable Growth Fund

    Following are the main highlights of the TATA AIA Life Insurance Whole Life Stable Growth Fund:

    • The date of inception of this fund is 3rd July 2006.

    • The total fund size is Rs. 168 crores approximately.

    • The Net Value Asset (NAV) stands at 39.92% currently.

    • The fund falls under the category of India Insurance Balanced Allocation.

    • The number of equity holdings is 10, bond holdings are 15, whereas other holdings are 3.

    • The top 10 holding is 48%.

    • 5-year returns are 9.70%, 7 years is 10.18%, whereas 10-year returns under the fund are 11.43%.

  8. Bharti AXA Life Save N Grow Money Fund

    Following are the main highlights of the Bharti AXA Life Save N Grow Money Fund:

    • The date of inception of this fund is 21st August 2006.

    • The total fund size is Rs. 71 crores approximately.

    • The Net Value Asset (NAV) stands at 41.80% currently.

    • The fund falls under the category of India Insurance Balanced Allocation.

    • The number of equity holdings is 64, bond holdings are 25, whereas other holdings are 6.

    • The top 10 holding is 41%.

    • 5-year returns are 8.22%, 7 years is 9.42%, whereas 10-year returns under the fund are 10.60%.

To Sum up!

From large-cap funds to debt funds and from mid-cap to hybrid funds, many SIP funds are available in the market as per the investor's convenience and risk-taking ability. However, all investors should understand the financial market before putting their hard-earned money in any kind of fund.

Happy investing!

FAQ's

  • Q. How are SIP taxed?

    A. SIPs are taxed as per the FIFO rule. The SIPs that you redeem first will be taxed first in FIFO or First in first out. For example, if you redeem part of your investment in one year, then that amount will be taxed in the first year under the 10% tab. Similarly, the investment that you redeem later will be taxed later. 
  • Q. How do I invest in SIP?

    A. You can make an online payment from the fund website through a credit or debit card. 
    You can also make a direct transfer from your bank account. Many banks offer an automated debit option through which money will be debited from your account on the determined date. 
    To avail of this facility, register yourself through the fund house website. Update KYC and your PAN details. You will receive the URN number from the fund house. Log in to your bank account and update the URN number and other details. 
  • Q. Can non-salaried or people with fluctuating salaries invest in SIP?

    A. Yes, you can invest in SIP even though you are a non-salaried individual or if you have a fluctuating salary. The minimum investment amount in SIP is Rs. 500 that is doable for individuals. 
    If you are worried about making timely payments because of your payment structure, you can opt for short-term or ultra-short-term funds. 
  • Q. What is the benefit of rupee cost averaging in SIP?

    A. You do not have to time the market when you invest through SIP. When you invest in a lump sum, you have to time the market. It means that you make an investment when the market is low and sell it when the market is higher. 
    It is not plausible regularly. Investments through SIPs are made irrespective of the market conditions. You purchase more stocks when the market is low and purchase less stock with the same amount when the market is rising. It averages the rupee cost. This helps in maintaining stability in the longer run.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
Tax benefit is subject to changes in tax laws
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ?2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

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