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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Large Cap
Mid Cap
Balanced
Debt
Fund Details
Fund Size
NAV
5 Year
7 Year
10 Year
Top 200 Fund
Fund Size: 1,259 Cr
1,259 Cr
130.92 -0.08%
24.81% Highest Returns
21.74%
20.25%
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Virtue II
Fund Size: 2,155 Cr
2,155 Cr
55.06 -0.10%
19.25% Highest Returns
18.11%
17.26%
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Pure Equity
Fund Size: 1,804 Cr
1,804 Cr
57.44 0.05%
15.93%
15.32%
16.8% Highest Returns
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Super Select Equity Fund
Fund Size: 1,129 Cr
1,129 Cr
63.4 0.03%
15.56%
15.97%
16.78% Highest Returns
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Growth Opportunities Plus Fund
Fund Size: 808 Cr
808 Cr
55.73 0.00%
16.31%
16.3%
16.73% Highest Returns
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Growth Fund
Fund Size: 5,900 Cr
5,900 Cr
17.47 0.00%
-
-
16.17% Highest Returns
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Pure Stock Fund
Fund Size: 5,250 Cr
5,250 Cr
118.08 0.32%
14.52%
14.7%
16.16% Highest Returns
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Large Cap Equity Fund
Fund Size: 2,121 Cr
2,121 Cr
56.38 0.15%
18.68% Highest Returns
17.61%
15.99%
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Grow Money Plus Fund
Fund Size: 355 Cr
355 Cr
53 0.08%
15.3%
15.82% Highest Returns
15.78%
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Build India Fund
Fund Size: 32 Cr
32 Cr
47.98 0.08%
14.41%
15.08%
15.53% Highest Returns
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Whole Life Aggressive Growth Fund
Fund Size: 667 Cr
667 Cr
71.15 -0.03%
16.35% Highest Returns
15.49%
15.44%
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Frontline Equity Fund
Fund Size: 2,317 Cr
2,317 Cr
51.82 0.11%
16.3% Highest Returns
15.17%
15.41%
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Equity Top 250 Fund
Fund Size: 474 Cr
474 Cr
46.13 0.03%
13.9%
13.3%
14.62% Highest Returns
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Equity Growth Fund II
Fund Size: 4,298 Cr
4,298 Cr
58.61 0.10%
13.3%
13.97%
14.56% Highest Returns
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Top 50 Fund
Fund Size: 213 Cr
213 Cr
73.59 0.05%
15.8%
15.83% Highest Returns
14.39%
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Blue Chip Fund
Fund Size: 7,834 Cr
7,834 Cr
39.95 0.10%
13.28%
13.5%
14.12% Highest Returns
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Value & Momentum
Fund Size: 609 Cr
609 Cr
37.39 -0.04%
12.73%
10.13%
13.98% Highest Returns
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Future Apex Fund
Fund Size: 75 Cr
75 Cr
43.72 0.04%
16.5% Highest Returns
14.95%
13.96%
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Accelerator Fund
Fund Size: 196 Cr
196 Cr
36.71 0.06%
15.62% Highest Returns
14.92%
13.95%
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Maximiser
Fund Size: 2,523 Cr
2,523 Cr
53.13 0.08%
13.91%
13.93% Highest Returns
13.68%
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Enhancer Fund-II
Fund Size: 750 Cr
750 Cr
44.5 0.07%
13.04%
13.49% Highest Returns
13.49% Highest Returns
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Growth Super Fund
Fund Size: 11,900 Cr
11,900 Cr
62.57 0.02%
13.34%
14.05% Highest Returns
13.31%
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Super 20
Fund Size: 1,712 Cr
1,712 Cr
52.83 0.13%
13.9%
14.3% Highest Returns
13.16%
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Multi Cap Growth Fund
Fund Size: 17,275 Cr
17,275 Cr
41.82 0.00%
11.58%
10.96%
13.13% Highest Returns
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Equity Large Cap Fund
Fund Size: 452 Cr
452 Cr
45.24 0.09%
12.74%
12.38%
12.99% Highest Returns
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Equity Fund
Fund Size: 52,487 Cr
52,487 Cr
157.57 0.35%
12.92%
13.01% Highest Returns
12.97%
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Bluechip Fund
Fund Size: 4,000 Cr
4,000 Cr
37.01 0.06%
13.13% Highest Returns
12.58%
12.79%
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Magnifier
Fund Size: 1,135 Cr
1,135 Cr
99.08 0.14%
12.44%
12.66%
12.74% Highest Returns
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Future Opportunity Fund
Fund Size: 62 Cr
62 Cr
33.98 0.04%
15.1% Highest Returns
13.83%
12.74%
Get Details
Bluechip Equity Fund
Fund Size: 921 Cr
921 Cr
35.62 0.07%
14.33%
14.36% Highest Returns
12.66%
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Maximiser Fund V
Fund Size: 50,508 Cr
50,508 Cr
42.47 0.07%
12.99% Highest Returns
12.25%
12.24%
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Future Maximize Fund
Fund Size: 83 Cr
83 Cr
44.1 0.04%
13.62% Highest Returns
12.5%
11.91%
Get Details
Equity II Fund
Fund Size: 3,029 Cr
3,029 Cr
32.9 0.07%
11.04%
11.22%
11.37% Highest Returns
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Growth Plus Fund
Fund Size: 516 Cr
516 Cr
29.19 0.05%
11%
10.83%
11.18% Highest Returns
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Best ULIP Funds - Consider the best performing ULIP funds to invest in 2023 with Policybazaar. Find the list of best ULIP funds in India on the basis of Returns, Latest Nav, Fund Size and Categories

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Here is detailed information about the best SIP Funds based on their categories available at Policybazaar these days.

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

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