Reliance SIP Plans
Investing in Reliance SIP Plans (now under Nippon India Mutual Fund) helps Indian investors grow wealth steadily by investing small amounts regularly instead of lump sums. A Systematic Investment Plan (SIP) uses the power of compounding and disciplined investing to build a significant corpus over time, making it suitable for goals like retirement, wealth creation, or long-term savings.
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Best Reliance SIP Plans 2026 (Nippon India SIP Plans)
| Fund Name | AUM | Return 3 Years | Return 5 Years | Return 10 Years | Minimum Investment | Return Since Launch |
|---|---|---|---|---|---|---|
| Nippon India Silver ETF FoF Regular-Growth | ₹4,230.17 Crs | 41.36% | N/A | N/A | ₹100 | 29.8% |
| Nippon India Gold Savings Fund-Growth | ₹6,853.99 Crs | 31.88% | 22.63% | 14.68% | ₹100 | 11.55% |
| Nippon India Growth Mid Cap Fund-Growth | ₹49,169.10 Crs | 21.43% | 18.85% | 18.29% | ₹100 | 21.97% |
| Nippon India Power & Infra Fund-Growth | ₹8,043.44 Crs | 21.03% | 21.81% | 17.44% | ₹5,000 | 17.83% |
| Nippon India Pharma Fund-Growth | ₹9,044.23 Crs | 18.43% | 12.64% | 15.16% | ₹5,000 | 20.03% |
| Nippon India Nifty Midcap 150 Index Fund Regular-Growth | ₹2,586.82 Crs | 18.41% | 16.74% | N/A | ₹100 | 19.43% |
| Nippon India Value Fund-Growth | ₹8,962.36 Crs | 16.75% | 14.71% | 15.14% | ₹500 | 15.96% |
| Nippon India Multi Asset Allocation Fund Regular-Growth | ₹16,000.16 Crs | 17.61% | 14.9% | N/A | ₹5,000 | 16.6% |
| Nippon India Nifty Next 50 Junior BeES FoF Regular-Growth | ₹791.01 Crs | 19.05% | 13.52% | N/A | ₹100 | 14.64% |
| Nippon India Multi Cap Fund-Growth | ₹54,584.58 Crs | 15.5% | 18.5% | 15.53% | ₹100 | 17.41% |
Details of Top-Performing Reliance SIP Plans/Nippon SIP Plans
Top Reliance/Nippon SIP plans show consistent performance over 3 to 5 years with returns sometimes exceeding 15-30% depending on the plan and market conditions.
Below are the details of the best SIP plans by Reliance Mutual Fund, now Nippon Mutual Fund:
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Nippon India Silver ETF FoF Regular - Growth
Nippon India Silver ETF FoF Regular - Growth seeks to provide returns that closely correspond to the returns provided by Nippon India Silver ETF by investing predominantly in its units. This Fund of Funds offers convenient exposure to domestic silver prices without physical holding.
Parameters Details Fund Name Nippon India Silver ETF FoF Regular-Growth NAV AUM ₹4,230.17 Crs Expense Ratio 0.49% Return 5 Years N/A Minimum Investment SIP ₹1000 & Lumpsum ₹100 Risk Level Principal at very high risk Launch Date 2nd February, 2022 Asset Allocation Debt: 0%, Others: 1.53%, Commodities: 98.47% Top Sectors NA Top Holdings - Nippon India Silver ETF - Growth
- Repo
- Others Mrgn Money
- Net Payables
Fund Managers NA Fund Type Open-ended -
Nippon India Gold Savings Fund-Growth
Nippon India Gold Savings Fund-Growth aims to generate returns that closely correspond to domestic gold prices by investing predominantly in units of Nippon India ETF Gold BeES. It provides an easy mutual fund route for gold investment tracking.
Parameters Details Fund Name Nippon India Gold Savings Fund-Growth NAV AUM ₹6,853.99 Crs Expense Ratio 0.25% Return 5 Years 22.63% Minimum Investment SIP ₹1000 & Lumpsum ₹100 Risk Level Principal at high risk Launch Date 7th March, 2011 Asset Allocation Debt: 0%, Others: 1.67%, Commodities: 98.33% Top Sectors NA Top Holdings - Nippon India ETF Gold BeES IDCW
- Repo
- Others Mrgn Money
- Net Payables
Fund Managers NA Fund Type Open-ended -
Nippon India Growth Mid Cap Fund - Growth
The primary objective is to achieve long-term capital growth by investing in mid-cap equity and equity-related securities using a research-driven approach. It aims to identify growth stocks available at reasonable valuations for wealth creation, making it suitable as one of the best SIP plans for 5 years and 10 years due to its growth focus and potential for alpha generation.
Parameters Details Fund Name Nippon India Growth Mid Cap Fund-Growth NAV AUM ₹49,169.10 Crs Expense Ratio 1.57% Return 5 Years 18.85% Minimum Investment SIP ₹1000 & Lumpsum ₹100 Risk Level Principal at very high risk Launch Date 8th October, 1995 Asset Allocation Equity: 97.67%, Debt: 0.01%, Others: 2.32% Top Sectors - Consumer Discretionary
- Industrials
- Consumer Staples
- Diversified
- Energy & Utilities
- Financial
- Healthcare
- Materials
- Real Estate
- Technology
Top Holdings - BSE Ltd
- Fortis Healthcare Ltd
- Repo
- The Federal Bank Ltd
- AU Small Finance Bank Ltd
- Cholamandalam Financial Holdings Ltd
- Persistent Systems Ltd
- Voltas Ltd
- Bharat Forge Ltd
- Ashok Leyland Ltd
Fund Managers - Rupesh Patel
- Kinjal Desai
Fund Type Open-ended -
Nippon India Power & Infra Fund-Growth
Nippon India Power & Infra Fund-Growth seeks long-term capital appreciation by investing predominantly in equity and equity-related instruments of companies engaged in the power and infrastructure sectors. It targets firms benefiting from India's energy and infrastructure growth.
Parameters Details Fund Name Nippon India Power & Infra Fund-Growth NAV AUM ₹8,043.44 Crs Expense Ratio 1.99% Return 5 Years 21.81% Minimum Investment SIP ₹1000 & Lumpsum ₹5,000 Risk Level Principal at very high risk Launch Date 8th May, 2004 Asset Allocation Equity: 99.16%, Debt: 0.01%, Others: 0.83% Top Sectors - Financial
- Consumer Discretionary
- Industrials
- Diversified
- Energy & Utilities
- Healthcare
- Materials
- Real Estate
- Technology
Top Holdings - Reliance Industries Ltd
- NTPC Ltd
- Larsen & Toubro Ltd
- Bharti Airtel Ltd
- Tata Power Company Ltd
- NTPC Green Energy Ltd.
- CG Power & Industrial Solutions Ltd
- Bharat Heavy Electricals Ltd
- Ultratech Cement Ltd
- Triveni Turbine Ltd
Fund Managers NA Fund Type Open-ended -
Nippon India Pharma Fund-Growth
Nippon India Pharma Fund-Growth generates long-term capital appreciation by investing predominantly in equity and equity-related securities of companies engaged in the pharmaceutical, healthcare, and allied sectors. It capitalises on the growing pharma industry.
Parameters Details Fund Name Nippon India Pharma Fund-Growth NAV AUM ₹9,044.23 Crs Expense Ratio 1.85% Return 5 Years 12.64% Minimum Investment SIP ₹1000 & Lumpsum ₹5,000 Risk Level Principal at very high risk Launch Date 5th June, 2004 Asset Allocation Equity: 97.64%, Debt: 0.01%, Others: 2.35% Top Sectors NA Top Holdings - Sun Pharmaceutical Industries Ltd
- Lupin Ltd
- Divi's Laboratories Ltd
- Dr. Reddy's Laboratories Ltd
- Cipla Ltd
- Apollo Hospitals Enterprise Ltd
- Mankind Pharma Ltd.
- Medplus Health Services Ltd
- Vijaya Diagnostic Centre Ltd
- Max Healthcare Institute Ltd
Fund Managers NA Fund Type Open-ended -
Nippon India Nifty Midcap 150 Index Fund Regular - Growth
Nippon India Nifty Midcap 150 Index Fund Regular - Growth aims to replicate the total returns of the Nifty Midcap 150 Index by investing in its constituent securities, subject to tracking errors. It offers passive exposure to top mid-cap stocks.
Parameters Details Fund Name Nippon India Nifty Midcap 150 Index Fund Regular-Growth NAV AUM ₹2,586.82 Crs Expense Ratio 0.88% Return 5 Years 16.74% Minimum Investment SIP ₹1000 & Lumpsum ₹100 Risk Level Principal at very high risk Launch Date 19th February, 2021 Asset Allocation Equity: 100.82%, Debt: 0.01%, Others: -0.83% Top Sectors - Consumer Discretionary
- Industrials
- Consumer Staples
- Diversified
- Energy & Utilities
- Financial
- Healthcare
- Materials
- Real Estate
- Technology
Top Holdings - BSE Ltd
- Max Healthcare Institute Ltd
- Repo
- Hero Motocorp Ltd
- Suzlon Energy Ltd
- The Federal Bank Ltd
- Multi Commodity Exchange Of India Ltd
- Dixon Technologies (India) Ltd
- Persistent Systems Ltd
- Cummins India Ltd
Fund Managers NA Fund Type Open-ended -
Nippon India Value Fund-Growth
Nippon India Value Fund-Growth generates long-term capital appreciation by investing in undervalued stocks across market caps, using a value investing approach. It seeks to buy low and hold for appreciation.
Parameters Details Fund Name Nippon India Value Fund-Growth NAV AUM ₹8,962.36 Crs Expense Ratio 1.99% Return 5 Years 14.71% Minimum Investment SIP ₹1000 & Lumpsum ₹500 Risk Level Principal at very high risk Launch Date 8th June, 2005 Asset Allocation Equity: 97.3%, Debt: 0.01%, Others: 2.68% Top Sectors - Energy & Utilities
- Consumer Discretionary
- Consumer Staples
- Materials
- Technology
- Industrials
- Real Estate
- Financial
- Healthcare
Top Holdings - HDFC Bank Ltd
- Repo
- NTPC Ltd
- ICICI Bank Ltd
- State Bank of India
- Oil & Natural Gas Corporation Ltd
- Vedanta Ltd
- Indusind Bank Ltd
- Infosys Ltd
- Axis Bank Ltd
Fund Managers - Meenakshi Dawar
- Dhrumil Shah
Fund Type Open-ended -
Nippon India Multi Asset Allocation Fund Regular - Growth
Nippon India Multi Asset Allocation Fund Regular - Growth seeks long-term growth through a diversified portfolio across equity, debt, gold, and other asset classes, dynamically allocating based on market conditions. It balances risk and return.
Parameters Details Fund Name Nippon India Multi Asset Allocation Fund Regular-Growth NAV AUM ₹16,000.16 Crs Expense Ratio 1.45% Return 5 Years 14.9% Minimum Investment SIP ₹1000 & Lumpsum ₹5,000 Risk Level Principal at very high risk Launch Date 28th August, 2020 Asset Allocation Equity: 61.17%, Debt: 19.63%, Others: 5.39%, Commodities: 12.54% Top Sectors - Consumer Discretionary
- Industrials
- Consumer Staples
- Energy & Utilities
- Financial
- Healthcare
- Materials
- Real Estate
- Technology
Top Holdings - Nippon India ETF Gold BeES IDCW
- IShares MSCI World ETF
- Repo
- Nippon India Silver ETF - Growth
- ICICI Bank Ltd
- HDFC Bank Ltd
- Reliance Industries Ltd
- GOLD MINI (100 GRAMS) COMMODITY JUNE 2020 FUTURE
- Infosys Ltd
- State Bank of India
Fund Managers - Vikram Dhawan
- Ashutosh Bhargava
- Kinjal Desai
- Sushil Budhia
Fund Type Open-ended -
Nippon India Nifty Next 50 Junior BeES FoF Regular - Growth
Nippon India Nifty Next 50 Junior BeES FoF Regular - Growth provides returns corresponding to Nippon India ETF Nifty Next 50 Junior BeES by investing predominantly in its units. It tracks the Nifty Next 50 Index for exposure to future large-caps.
Parameters Details Fund Name Nippon India Nifty Next 50 Junior BeES FoF Regular-Growth NAV AUM ₹791.01 Crs Expense Ratio 0.3% Return 5 Years 13.52% Minimum Investment SIP ₹1000 & Lumpsum ₹100 Risk Level Principal at very high risk Launch Date 8th March, 2019 Asset Allocation Equity: 99.74%, Debt: 0%, Others: 0.26% Top Sectors - Consumer Discretionary
- Industrials
- Consumer Staples
- Diversified
- Energy & Utilities
- Financial
- Healthcare
- Materials
- Real Estate
- Technology
Top Holdings - Reliance ETF Junior BeES
- Repo
- Others Mrgn Money
- Net Payables
Fund Managers NA Fund Type Open-ended -
Nippon India Multi Cap Fund-Growth
Nippon India Multi Cap Fund-Growth generates long-term capital appreciation by investing across large-cap, mid-cap, and small-cap equities in a diversified manner. It aims for balanced growth across market segments.
Parameters Details Fund Name Nippon India Multi Cap Fund-Growth NAV AUM ₹54,584.58 Crs Expense Ratio 1.57% Return 5 Years 18.5% Minimum Investment SIP ₹1000 & Lumpsum ₹100 Risk Level Principal at very high risk Launch Date 28th March, 2005 Asset Allocation Equity: 99.42%, Debt: 0%, Others: 0.58% Top Sectors - Consumer Staples
- Diversified
- Consumer Discretionary
- Industrials
- Energy & Utilities
- Financial
- Healthcare
- Materials
- Real Estate
- Technology
Top Holdings - HDFC Bank Ltd
- ICICI Bank Ltd
- Axis Bank Ltd
- GE T&D India Ltd
- Infosys Ltd
- Reliance Industries Ltd
- Max Financial Services Ltd
- NTPC Ltd
- State Bank of India
- Linde India Ltd
Fund Managers - Sailesh Raj Bhan
- Ashutosh Bhargava
Fund Type Open-ended
How Do Nippon SIP Plans Work?
A Nippon SIP Plan (offered by Nippon India Mutual Fund, formerly Reliance Mutual Fund) allows you to invest a fixed amount every month into a selected mutual fund scheme.
Here is how it works in simple steps:
- You choose a Nippon mutual fund scheme (equity, hybrid, ELSS, etc.).
- You decide on a fixed monthly amount (for example, ₹5,000).
- The amount gets automatically deducted from your bank account every month.
- Units are allotted based on the NAV (Net Asset Value) on the investment date.
- Over time, your investment grows as markets grow and returns increase.
- Investing regularly helps you benefit from rupee cost averaging and the power of compounding over time.
How a SIP Calculator Helps You Plan Your Reliance SIP Investment?
A SIP calculator helps you estimate the total corpus you could accumulate based on your SIP amount, assumed annual return, and investment period. It makes planning easier without complex math.
Benefits of using a SIP calculator:
- You can set realistic financial goals.
- It tells you how much you need to invest monthly to meet those goals.
- Helps plan time horizons and expected returns.
For example, if you invest in a Nippon SIP Plan as per the following details:
- Monthly SIP: ₹10,000
- Investment Period: 10 years
- Expected Return: 12% per annum (equity SIP assumption)
| Particulars | Value |
| Monthly Investment | ₹10,000 |
| Annual Investment | ₹1,20,000 |
| Total Investment (10 years) | ₹12,00,000 |
| Expected Return (p.a.) | 12% |
| Estimated Maturity Value | ₹22.40 lakh |
| Wealth Gained | ₹10.4 lakh |
Benefits of Reliance SIP Plans in 2026?
Reliance SIP Plans (now marketed as Nippon India Mutual Fund SIPs) remain highly relevant because:
- Low Starting Amount: You can start with small SIP amounts even in modest income brackets.
- Compounding Power: Regular investing over many years allows returns to build upon themselves.
- Flexible Planning: You can choose equity, hybrid, or balanced plans depending on your goals and risk tolerance.
- Time in Market Beats Timing: SIPs help avoid the complex strategy of market timing. You invest consistently regardless of market conditions.
Conclusion
Reliance SIP Plans (Nippon India SIPs) combine disciplined investing, flexibility, and the power of compounding, making them a strong choice for long-term investors in 2026. Whether you are a beginner or an experienced investor, choosing the right SIP plan with reasonable expectations and a defined goal positioning can help you grow your savings strategically.
FAQs
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Can I change my SIP amount midway?
Yes. You can increase or decrease your SIP amount at any time. However, changing frequently without a plan can dilute the discipline that makes SIPs effective. -
Is there a limit to how many SIPs I can hold at once?
No. You can hold multiple SIPs across different funds or within the same fund house. But too many overlapping SIPs without diversification goals can reduce the clarity of your financial plan. -
What happens to my SIP if markets fall sharply?
When markets fall, your SIP continues to buy more units at lower NAVs. This is beneficial over time because it improves your average cost per unit, a phenomenon called rupee cost averaging. -
Can I pause my SIP temporarily?
Yes, most fund houses, including Nippon India, allow you to pause or suspend SIPs temporarily. Be careful: frequent pauses reduce the compounding effect and delay goal achievement. -
What is the minimum SIP amount required?
Most funds permit SIP starts from very small amounts (often ₹500 or ₹1,000 per month). This makes SIPs accessible even to new or conservative investors.
