An SIP, or Systematic Investment Plan, is a method of investing a fixed amount regularly in market-linked funds like Unit Linked Insurance Plans (ULIPs) and mutual funds^^. An SIP investment provides you with the benefit of disciplined savings, rupee cost averaging, and the power of compounding, which makes it an attractive option for long-term wealth creation.
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Mr. Vivek Jain is the Business Unit Head for Investment Business at Policybazaar.com. A graduate of the prestigious IIM Calcutta he brings over a decade of invaluable experience to his current role. In his capacity as Business Unit Head, he has been a driving force behind the success of Policybazaar's Investment business. Mr. Jain is recognized for his instrumental role in product innovation within the Savings/Investment domain. His leadership and expertise have been pivotal in scaling up the Investment business, underscoring his significant contributions to Policybazaar.com's growth and success.
SIP Investment Plans For 2024
There is a wide range of systematic investment plans available these days. Let us take a look at a few top-performing funds that are apt for SIP investment in the year 2024.
Insurance Companies
Mutual Funds
Returns
Fund Name
3 Years
5 Years
10 Years
Top 200 FundTata AIA
24.74%
31.65%
20.12%
View Plan
Virtue IIPNB Metlife
22.28%
27.93%
18.14%
View Plan
Pure EquityBirla Sun Life
20.86%
24.74%
16.69%
View Plan
Growth Opportunities Plus FundBharti AXA
17.96%
22.2%
16.15%
View Plan
Pure Stock FundBajaj Allianz
19.31%
22.69%
15.67%
View Plan
Diversified Equity FundHDFC Standard
15.67%
20.12%
15.12%
View Plan
Growth Super FundMax Life
15.78%
19.21%
13.57%
View Plan
Equity FundSBI
15.88%
18.78%
13.1%
View Plan
Multi Cap Growth FundICICI Prudential
16.58%
19.08%
12.87%
View Plan
Growth Plus FundCanara HSBC Oriental Bank
13.79%
15.67%
11.3%
View Plan
Updated as of Aug 2024
Compare more funds
Returns
Fund Name
3 Years
5 Years
10 Years
Large Cap Fund Nippon India
24.99%
15.06%
16.79%
Bluechip Fund SBI
17.71%
14.27%
15.41%
Large Cap Fund Edelweiss
16.83%
14.35%
14.28%
Frontline Equity Fund Aditya Birla Sun Life
17.52%
13.21%
14.34%
Bluechip Fund ICICI Prudential
20.34%
14.76%
14.88%
Large Cap Fund Mirae Asset
14.85%
12.99%
16.34%
Bluechip Equity Fund Canara Robeco
15.01%
15.14%
14.38%
Bluechip Growth Kotak
16.41%
14.67%
14.49%
Large Cap Fund Baroda BNP Paribas
15.89%
15.08%
14.61%
Updated as of Aug 2024
Compare more funds
SIP plans available in
5 YEARS SIP Plans
Returns upto 19%
7 YEARS SIP Plans
Returns upto 18%
10 YEARS SIP Plans
Returns upto 16%
12 YEARS SIP Plans
Returns upto 14%
15 YEARS SIP Plans
Returns upto 15%
20 YEARS SIP Plans
Returns upto 15%
What is a SIP Investment?
The full form of SIP is a Systematic Investment Plan. It is an investment strategy followed by market-linked funds such as Mutual Funds, Unit Linked Insurance Plans (ULIP). SIP investment is a smart and convenient way to invest money. Instead of investing a large sum all at once, you can allocate a smaller amount at regular intervals, such as monthly or quarterly, into a chosen market-linked fund.
So, the answer to What is SIP is that it is a disciplined way to gradually build wealth over time through the power of compounding and rupee cost averaging. The earlier you start, the higher are your returns.
How to Invest in SIP?
You can learn the workings of an SIP investment plan below to help you in better decision-making:
Step 1: Research and select the best SIP plan that aligns with your financial goals and risk tolerance.
Step 2: Choose between investing in SIP in a mutual fund or a ULIP fund by comparing their past performance, fund objectives, and other benefits.
Step 3: Determine the frequency and amount of your SIP investment.
Step 4: Complete your KYC verification and provide bank account details. Enable auto-debit for hassle-free SIP investments.
Step 5: Once your SIP plan is active, the fund manager will invest your money in various assets (like equities, bonds, hybrid funds, or index funds) according to the objective of the chosen best investment plan.
Step 6: On the scheduled date, your SIP amount will be deducted and used to purchase units at the current Net Asset Value (NAV).
Step 7: Adjust your SIP contributions anytime and use an online SIP calculator to estimate returns.
NOTE: The returns from your SIP investment will depend on the performance of your chosen fund. However, in the long term, SIP investment plans have been shown to be an excellent way to grow your wealth.
What are the Key Features of SIP Investment Plans?
The key features of a Systematic Investment Plan in India are listed in the table below:
Features
Details
Portfolio Diversification
SIP Plans allow you to invest in a mix of:
Equity
Bonds
Money Market Instruments (MMI)
Exchange Traded Funds (ETFs)
Index Funds
Other assets
This investment option helps in reducing the overall risk of investment and maximising long-term returns.
Small Investments
Start investing in SIP investment plans with as little as Rs. 100 per month.
Top Up Facility
Add extra money to your SIP whenever available.
Achieve higher maturity returns with top-ups in ULIP and mutual fund SIPs.
Flexibility
Customise your SIP plan as per your changing financial goals and risk appetite by adjusting the following parameters:
Investment Amount
Instalment Payment Frequency
Tenure
Rupee Cost Averaging
Buy more units of the SIP plan when the prices are low and fewer when prices are high.
This averages out the cost of purchase.
SIP investments help in reducing the impact of market volatility in the long term.
Automatic Investment
Automate your SIP investment with standing instructions to your bank or mutual fund company.
Professional Fund Management
These market-linked funds are managed by expert fund managers.
These professionals select and manage stocks and assets to maximize the SIP returns for you.
Tax Benefits
SIP investments in a ULIP plan are eligible for tax deductions under Section 80C* and 10(10D)*.
Avail of tax benefits under Section 80C with Equity Linked Savings Scheme (ELSS).
Annual Long-Term Capital Gains (LTCG) up to Rs. 1 lakh is tax-exempt.
LTCG* is taxed at 10% after the exemption limit of Rs. 1 lakh.
Short-Term Capital Gains (STCG) from SIP investment plans are taxed at 15%.
*Disclaimer: Deductions of up to ₹1.5 lakhs p.a. from your taxable income are available on your premium payment under Section 80C. You can get tax-free maturity benefits under Section 10(10D) if your premium payment is below ₹2.5 lakhs p.a. #You can use a ULIP calculator or Mutual Fund calculator to learn about the future returns from your SIP investments.
The following table lists the significant types of SIP Plans in India based on the mode of investment in the SIP plan:
SIP Type
Description
Advantage
Fixed SIP
Invest a fixed amount at regular intervals (monthly, quarterly).
Simple, disciplined investing
Flexible SIP
Change investment amount or skip installments.
Adapts to changing income
Perpetual SIP
Invest for an indefinite period (no end date).
Long-term wealth creation
Trigger SIP
Invest only when a specific market event occurs (e.g., index falls).
Aims to buy at opportune moments (advanced strategy)
Top-up SIP / Step-up SIP
Gradually increase investment amount at set intervals (fixed amount or %).
Grows investment with income
Value Averaging SIP
Rupee-cost averaging benefits by buying more units when price is low.
Reduces impact of market volatility
Multiple SIP
Invest in multiple funds through a single SIP.
Diversifies portfolio across different asset classes
What are the Principles of a SIP Investment?
An SIP investment plan follows the principle of rupee-cost averaging and the power of compounding. Let us understand them in detail from below:
Rupee-Cost Averaging:
Rupee-cost averaging in an SIP means regularly buying more units when fund prices are low and fewer when prices are high. This helps in balancing out the overall investment cost over time.
Illustration of Rupee-Cost Averaging in a SIP Plan:
SIP Months
Invested Amount (in Rs.)
Price Per Unit (in Rs.)
No. of Units Bought
10th January 2023
Rs. 10,000
32
312.50
10th April 2023
Rs. 10,000
36
277.77
10th July 2023
Rs. 10,000
30
333.33
10th October 2023
Rs. 10,000
28
357.14
Total
Rs. 40,000
31.23 (Average Cost)
1,280.74
If You Invest in a Lump Sum
If You Make a SIP Investment
You invest the entire Rs. 40,000 on 10th April in Lump Sum:
Total No. of Units Bought = 1,111.11
As seen in the above illustration, if you invest Rs. 10,000 for four months:
Total No. of Units Bought = 1,280.74
Please note:The aforementioned table and values are only provided for illustration purposes and should not be correlated with the performance of any SIP plan.
Power of Compounding
In an SIP plan, compound interest allows you to earn interest on both your initial investment and the accumulated interest. These reinvested returns can generate additional earnings, making compounding especially powerful over a long-term investment period.
Illustration of the Power of Compounding
If you invest in an SIP investment plan with the following details:
Monthly Investment = Rs. 10,000 per month
Expected Rate of Return of SIP = 12% p.a.
Interest Compounding Period = Annually
Your SIP investment plan will grow as follows:
Time Period
Total Investment (Rs.)
Value of Investment (Rs.)
5 years
6 lakhs
8.25 lakhs
10 years
12 lakhs
23.23 lakhs
15 years
18 lakhs
50.45 lakhs
20 years
24 lakhs
99.91 lakhs
What are the Documents Required for SIP Investment?
You need to submit the following documents to complete your SIP investment process:
Emergency Fund Accessibility: SIP plans provide quick access to funds through Systematic Withdrawal Plans (SWP) during emergencies.
Risk Diversification: SIP plans diversify investments across equities and bonds for reduced risk.
Tax Efficiency: Enjoy tax benefits under Section 80C and Section 10(10D) with SIP investment in ULIP plans. ELSS schemes also provide income deductions under Section 80C.
Which is Better: SIP or a One-time Investment?
Let us briefly discuss the comparison between SIP investment and one-time investment from the table below:
Aspect
SIP
One-time Investment
Investment Strategy
Regular, periodic investments
Lump-sum investment
Investment Frequency
Monthly, quarterly, etc.
One-time
Risk Averaging
Yes, spreads investment risk over time
No, exposed to market conditions
Timing Risk
Reduces due to regular investments
Exposed to market timing risk
Capital Requirement
Lower initial amount needed
Requires larger initial investment
Rupee Cost Averaging
Yes, helps average purchase price
Not applicable
Flexibility
Offers flexibility in investment amount
Fixed investment amount
Psychological Advantage
Disciplined approach to investing
Potential for emotional decisions
Suitability
Suitable for long-term goals
Suitable for short-term goals
Comparison of SIP in ULIP vs. SIP in Mutual Funds
As an investor, you are always confused about how to choose between an SIP in ULIP vs. Mutual Fund SIP investment scheme, as both these SIP investment options offer different benefits.
The following points will help you to decide the right SIP investment plan for you among ULIP Fund vs. Mutual Fund to meet your financial goals:
When to Start an SIP in ULIP?
When to Start an SIP in Mutual Funds?
Looking for medium to long-term investment horizon
Want to grow wealth while securing the future of your family.
Have a low to medium risk appetite
You want to save on your taxes
Want less stress during market volatility
A short-term or medium-term investment horizon
Want to only grow wealth
Have a high or medium-risk appetite
Want high liquidity with no tax saving
Have knowledge and expertise to manage market volatility
Who Should Invest in an SIP Plan?
SIP (Systematic Investment Plan) can be a good investment option for a variety of people, here are some characteristics that make someone a good fit for a SIP:
Individuals with a long-term investment horizon
People who want to inculcate financial discipline
Investors with a moderate risk appetite
Those who lack a large lump sum to invest
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How to Choose the Best SIP Investment in India?
Before investing in a Systematic Investment Plan (SIP Plan) in India, the following important aspects should be kept in mind:
SIP Duration: Consider investing in an SIP for at least 5 years to gauge market performance.
Fund House Track Record: Evaluate the reputation and past performance of your SIP's fund house to assess their ability to manage market fluctuations effectively.
Rs. 500 Cr AUM Benchmark: For new investors, a fund with a Rs. 500 Cr asset size can serve as a suitable benchmark when selecting the best SIP investment plan.
Define Investment Goals: Each SIP in mutual funds and ULIPs has specific goals. Choose a fund that aligns with your financial objectives.
Choose Wisely: With numerous SIP plans available, make your selection based on the funds' historical performance.
Diversification Strategy: Spread your investments across multiple fund units to mitigate market volatility and optimize returns from your SIP.
Regular Portfolio Review: Periodically review your SIP strategy to ensure it aligns with your evolving financial goals and make adjustments as necessary.
How to Calculate SIP Investment Returns?
You can learn how your money grows through an SIP investment, involves measuring returns using different methods:
Absolute Return/ Point-to-Point Method: This method calculates the total profit or loss on your investment, by simply subtracting the initial investment from the current SIP value. It is straightforward for assessing immediate gains.
Simple Annualised Return (SAR): SAR expresses your absolute return as an annual percentage. It divides the total return by the investment period in years and multiplies by 100. While easy to grasp, it does not consider compounding effects.
Compounded Annual Growth Rate (CAGR): CAGR offers a more accurate view by factoring in compounding. It shows the average annual return if your investment had grown steadily over the entire period.
XIRR Calculation Method: For SIPs with varying investment timings, XIRR (Extended Internal Rate of Return) is essential. It is particularly useful for SIP investments as it factors in the irregular investment dates and amounts associated to calculate the internal rate of return (IRR) for your SIP investment.
SIP Calculator - A Tool to Calculate SIP Investment Returns Online
An SIP calculator is a tool that helps you to estimate the returns you can earn from your SIP investment plan in a mutual fund scheme or ULIP plan. It considers various parameters like monthly investment amount, period of investment, expected rate of return, and compounding frequency of your SIP investment for the returns calculation.
The SIP calculator then calculates the following details for you:
Total amount invested
Returns earned
Final value of the investment
Below is the calculator to get the estimate of SIP investment returns.
Investment Return Calculator (Power of Compounding)
One Time
Monthly
Yearly
₹
Invest For (in Years)
130
Stay invested for (in Years)
130
Expected rate of return (in %)
135
YOU INVEST
YOU GET
View Plans
Conclusion
Systematic Investment Plans (SIPs) are a disciplined and efficient way of investment, allowing you to contribute regularly to market-linked funds. The SIP investment plans help in averaging the cost of your investment and compound your returns over time, making it an ideal investment option for long-term financial goals.
Some of the top-performing SIP mutual funds in India as of July 2024 include:
Quant Large and Mid Cap Fund
Quant Active Fund
Kotak Equity Opportunities Fund
Parag Parikh Flexi Cap Fund
Edelweiss Large & Mid Cap Fund
How can I cancel or stop an SIP in ULIP?
To cancel or stop an SIP in ULIP, you need to contact your insurance company and fill out a surrender form. The insurance company will then process your request and calculate the surrender value of your policy.
Can SIP go in loss?
Yes, SIP investments can incur losses if the value of the market-linked funds you have invested in decreases due to market fluctuations. However, it is important to stay invested for the long term to potentially smooth out these fluctuations.
What happens if SIP fails?
A SIP plan does not guarantee returns as they are subject to market risks. If the investments in the SIP do not perform well or incur losses, you may not get the expected returns. It is a better practice to review your investment strategy and consider long-term goals when investing through SIPs.
Why choose a Systematic Investment Plan?
SIPs allow for disciplined and regular investing, averaging out market volatility over time. They are suitable for long-term wealth creation, goal-based investing, and benefit from the power of compounding.
What is the minimum and maximum amount I can invest in SIP?
You can start investing in an SIP plan with a minimum amount of Rs. 100 per month. There is no maximum limit for investment in the SIP investment plan.
Can I miss the payment of SIP?
Yes, you can miss an SIP payment, and still, your account will stay active. Various ULIP plans and mutual fund schemes offer the facility to pause the payment.
Do all SIP investments offer tax benefits?
No, not all SIP investments offer tax benefits. The investment made through SIP in Unit Linked Insurance Plans (ULIPs) and Equity- Linked Savings Scheme (ELSS) offers tax benefits of up to the maximum limit of Rs1.5 lakhs under Section 80C of the Income Tax Act. ULIP Plans also provide tax deductions under Section 10(10D).
How safe is it to invest in SIP?
SIPs are considered relatively safe because they spread investment over time, reducing the impact of market volatility. SIP offers a planned approach towards investment and helps you to create a financial cushion by developing the habit of saving.
How to start an SIP investment?
You can choose the online and offline methods to start SIP investment.
For the Offline Method: You have to visit the AMC office. Thoroughly fill out the application form and auto debit form. Provide important documents like address proof and ID proof along with a duly signed cheque to the address of the fund house.
For Online Method: Open your preferred SIP investment app or website. Enter all the details for online SIP along with your KYC details. You must submit a scanned copy of the cheque, address, ID proof, and account number.
How to shorten the duration of SIP?
You can shorten the duration of your SIP by increasing the monthly investment amount or by choosing a market-linked fund with a shorter investment horizon.
How to extend the duration of SIP?
Extending the duration of your SIP involves continuing to invest in the same scheme beyond the initially planned tenure. At the end of the tenure of the SIP, you have the option of renewal of the SIP investment.
Which fund is best for SIP?
Some of the best ULIP funds and mutual fund schemes for SIP investment in 2024 are as follows:
Tata AIA Top 200 Fund
PNB MetLife Virtue II Fund
Birla Sun Life Pure Equity Fund
Bharti AXA Life Growth Opportunities Plus Fund
Mirae Asset Large Cap Fund
Kotak Bluechip Fund
Which SIP gives a 15% return?
SIP returns can vary widely based on market conditions and fund performance. Historical returns suggest that equity-oriented mutual funds (like large-cap or diversified equity funds) have the potential to deliver higher returns over the long term.
Which is the best SIP at Rs. 5000 per month for 20 years?
Choosing the best SIP for Rs. 5000 per month over 20 years involves considering funds that align with your risk appetite and financial goals. Funds with a long history of strong performance and suitable asset allocation may be considered.
What if I invest Rs. 10000 a month in SIP for 15 years?
If you invest Rs. 10000 a month in SIP for 15 years, assuming a 12% annual return, you will have invested Rs. 18 lakhs. The total corpus of your SIP investment will be over 50.45 lakhs at the end of the tenure. This is a significant amount of money that can be used to achieve your financial goals, such as retirement planning, a child's education, or buying a house.
Can I withdraw SIP anytime?
Yes, you can withdraw from your SIP anytime. However, there are a few things to keep in mind:
The lock-in period of the ULIP Plan and Mutual Fund Scheme
Exit load of the fund
Tax implications of your SIP investment
Which is the best SIP for Rs. 1000 per month?
Best SIP for ULIP and mutual fund schemes for Rs. 1000 per month:
Aditya Birla Sun Life Digital India Fund
ICICI Prudential Technology Direct Plan
Nippon India Small Cap Fund Direct-Growth
Quant Active Fund
HDFC Top 100 Fund
SBI Flexi Cap Fund
Is SIP a good investment?
SIPs are considered a good investment strategy for long-term wealth creation due to their disciplined approach, rupee cost averaging, and potential for compounding returns over time.
Is SIP better than FD?
SIPs and FDs serve different purposes. SIPs are ideal for wealth creation over the long term with potential for higher returns, whereas FDs offer capital preservation with fixed returns over a specified period.
What SIP for Rs. 5000 per month for 20 years?
Choosing a SIP for Rs. 5000 per month over 20 years involves selecting mutual funds that align with your financial goals, risk tolerance, and investment horizon. Consider diversified equity funds or balanced funds for long-term growth potential.
Can I invest 1000 ₹ per month in SIP?
Yes, you can invest ₹1000 per month in SIP. Many mutual fund schemes allow investors to start with low monthly investment amounts, typically starting from ₹500 or even lower in some cases.
Is SIP 100% safe?
SIPs are not completely risk-free. They are subject to market risks associated with mutual fund investments. The degree of risk varies depending on the type of mutual fund (equity, debt, hybrid) chosen for the SIP.
Is SIP risk-free?
No, SIPs are not risk-free. They are exposed to market risks associated with fluctuations in the stock market. However, the risk can be managed by choosing funds that align with your risk profile and investment horizon.
When should you stop SIP?
Consider stopping SIP if your financial goals change, you need funds for emergencies, or if the investment is consistently underperforming after careful assessment.
How much SIP is good?
The amount of SIP depends on your financial goals, risk tolerance, and income. A good SIP amount is typically what you can comfortably invest regularly without affecting your essential expenses.
+For Mutual Fund midcap category Returns https://www.morningstar.in/tools/mutual-fund-category-performance.aspx & for Insurance midcap fund category Returns- https://www.morningstar.in/tools/insurance-fund-category-performance.aspx
*Past 10 Year annualised returns as on 01-12-2023
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^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.
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^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.
Systematic Investment Plans are an excellent way for you to invest in the best SIP plans for Rs. 1,000 per month
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Invest In SIP & Get Financial Freedom
With BEST RETURNS and tax free maturity*
*under 10(10D)
Reviews & Rating
4.5 / 5
(Showing Newest 10 reviews)
A
Ashish
Srinagar, May 19, 2022
Transparent plan
"I was educated by PB about HDFC Small Cap fund fund scheme. The scheme provides a three-year interest rate of 21.52 percent. It also provides transparency and ease of investment because one can search for their investment online in a simple and hassle-free manner. I am astounded by Policy Bazaar's proactive performance."
S
Sanket
Varanasi, May 19, 2022
Flexible services
"I got to know about HDFC SIP plan from Policy Bazaar, which is not only flexible but also easily accessible. Purchasing this plan was the best decision I ever made because it allows me to build wealth through fund investments. It is a dependable plan that provided me with significant tax benefits under the Tax Law Act of 1961. Thank you very much to Policy Bazaar team."
V
Vidushi
Amritsar, May 19, 2022
Under my budget plan
"Policy Bazaar's website is very accessible. It displayed insurance plans that were appropriate and within my budget. After comparing various plans that fit within my budget, I chose HDFC Prudence fund as a SIP plan. The policy is still in effect, and the policy features and benefits were clearly shared by Policy bazaar members. Thank you for your help, Policy Bazaar."
S
Sakshi
Jabalpur, May 19, 2022
Manageable plan
"SIP Plan assists me in dealing with financial issues. As of late, everything has become prohibitively expensive. However, with the help of SIP, I am able to manage my finances and save money each month for long-term investments. Appreciate Policy bazaar"
S
Sonia
Gwalior, May 19, 2022
Quick resolution
"I am pleased with my decision to purchase my SIP plan from Policybazaar. Because all that is required is a phone call. I had a problem with my SIP, which they quickly resolved via phone. The Policy Bazaar is always available when needed. Great work by them."
K
Kapil
Howrah, May 19, 2022
Additional riders involved
"I bought TATA Large and Midcap fund from policy bazaar. I have plenty of investment plans but I chose this SIP plan as this plan is an Equity type of plan and gave me the option of additional riders. I chose the best plan and I am pleased with it."
M
Minu
Allahabad, May 19, 2022
Maximisation of profit
"I obtained a SIP plan for a longer period of time. I like the plan because I wanted to invest it for at least 10-12 years in order to maximise my profit. Thank you Policy bazaar."
D
Deepti
Dhanbad, May 19, 2022
Budget friendly plan
"Policy bazaar is a user friendly platform. I purchased two different plans, both of which have many excellent features, but I particularly liked the SIP plan, which is a convenient way to invest in funds. I can invest and earn returns under this plan. Policy bazaar delivered an outstanding performance."
P
Priyanka
Vasai-Virar, May 19, 2022
Protection plan
"I am grateful to Policy Bazaar for guiding me through the process of purchasing a SIP fund as an investment plan for my family's future. The plan allows you to invest a small amount. The plan also provided higher returns when compared to traditional investing options. The entire procedure was completed adequately. Thank you to Policy Bazaar team."
Y
Yashish
Aurangabad, May 19, 2022
Simple and stress free services
"I purchased a SIP perpetual plan that allows me to redeem the funds whenever I need to achieve my financial goals. It is a simple and stress free procedure. Thank you very much, Policy Bazaar."
