Best SIP Plans for 5-Year Investment 2025

How Does SIP for 5 Years Work?

SIP simply means systematically investing a fixed amount on a regular basis in a mutual fund.

Let’s assume:

Your Monthly Investment: Rs. 5,000

Total Investment Years: 5 Years

Total Invested Amount: ₹5,000 x 60 months = ₹ 3,00,000

Assuming an average annual return of 18%, you can accumulate around 4.7 lakhs in just 5 years. You can use the SIP Calculator and calculate the returns yourself easily without any hassle.

Best SIP Plans for 5 Years

Below are some of the best SIP plans that you can consider investing in for 5 years:

Details of Best SIP for 5 Years

Here are some of the details of the SIP plans by various mutual fund houses for 5 years:

1. Parag Parikh Flexi Cap Fund Regular-Growth

   The investment objective of Parag Parikh Flexi Cap Fund Regular-Growth is to generate long term capital growth. The scheme actively invests in equity and equity related securities. It also invests in Foreign equities, India equities, and debt securities to meet its objective.

   Parameters	Details
   Fund Name	Parag Parikh Flexi Cap Fund Regular-Growth
   NAV	₹ 86.12 (as on 18th December, 2025)
   AUM	₹113,280.87 Crs
   Expense Ratio	1.28%
   Return 3 Years	21.59%
   Return 5 Years	21.81%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
   Risk Level	Principal at very high risk
   Launch Date	24th May, 2013
   Asset Allocation	Equity: 75.22%, Debt: 21.1%, Others: 2.97%
   Top Sectors	Real Estate Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Others CBLO HDFC Bank Ltd Bajaj Holdings & Investment Ltd Power Grid Corporation of India Ltd Coal India Ltd ICICI Bank Ltd ITC Ltd Alphabet Inc Forgn. Eq (GOOGL) Kotak Mahindra Bank Ltd Maruti Suzuki India Ltd
   Fund Managers	Rajeev Thakkar Raunak Onkar Raj Mehta Rukun Tarachandani Mansi Kariya
   Fund Type	Open-ended

2. Motilal Oswal Midcap Fund Regular-Growth

   The investment objective of Motilal Oswal Midcap Fund Regular-Growth is to achieve long-term capital gain by investing in mid-cap companies having high potential for growth.

   Parameters	Details
   Fund Name	Motilal Oswal Midcap Fund Regular-Growth
   NAV	₹ 99.29 (as on 18th December, 2025)
   AUM	₹33,608.53 Crs
   Expense Ratio	1.55%
   Return 3 Years	25.97%
   Return 5 Years	33.24%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹500
   Risk Level	Principal at very high risk
   Launch Date	24th February, 2014
   Asset Allocation	Equity: 92.08%, Others: 7.92%
   Top Sectors	Real Estate Materials Consumer Discretionary Industrials Financial Healthcare Technology
   Top Holdings	Reverse Repo/CBLO Dixon Technologies (India) Ltd Persistent Systems Ltd Coforge Ltd Zomato Ltd Kalyan Jewellers India Ltd One 97 Communications Ltd Trent Ltd Others CBLO Polycab India Ltd
   Fund Managers	Ajay Khandelwal Niket Shah Rakesh Shetty Sunil Sawant
   Fund Type	Open-ended

3. HDFC Infrastructure Fund Regular-Growth

   HDFC Infrastructure Fund Regular-Growth aims to achieve long-term capital appreciation by investing in equity and equity-related securities of companies. The fund prioritises companies engaged in the growth and development of infrastructure in the Indian economy.

   Parameters	Details
   Fund Name	HDFC Infrastructure Fund Regular-Growth
   NAV	₹ 46.49 (as on 18th December, 2025)
   AUM	₹2,539.90 Crs
   Expense Ratio	2.04%
   Return 3 Years	28.21%
   Return 5 Years	34.27%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	10th March, 2008
   Asset Allocation	Equity: 91.58%, Others: 5.94%
   Top Sectors	Consumer Discretionary Industrials Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Repo ICICI Bank Ltd Larsen & Toubro Ltd HDFC Bank Ltd J Kumar Infraprojects Ltd Kalpataru Power Transmission Ltd Interglobe Aviation Ltd Reliance Industries Ltd NTPC Ltd Bharti Airtel Ltd
   Fund Managers	Srinivasan Ramamurthy Dhruv Muchhal
   Fund Type	Open-ended

   

4. Mirae Asset Large & Midcap Fund Regular-Growth

   The main objective of Mirae Asset Large & Midcap Fund Regular-Growth is to generate income and capital appreciation. The fund predominantly invests in equity and equity related securities of large and mid cap companies.

   Parameters	Details
   Fund Name	Mirae Asset Large & Midcap Fund Regular-Growth
   NAV	₹ 155.28 (as on 18th December, 2025)
   AUM	₹40,554.09 Crs
   Expense Ratio	1.52%
   Return 3 Years	17.5%
   Return 5 Years	20.65%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	9th July, 2010
   Asset Allocation	Equity: 99.45%, Debt: 0.24%, Others: 0.31%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	HDFC Bank Ltd ICICI Bank Ltd Axis Bank Ltd State Bank of India ITC Ltd Infosys Ltd Larsen & Toubro Ltd Maruti Suzuki India Ltd Reliance Industries Ltd Tata Consultancy Services Ltd
   Fund Managers	Neelesh Surana Ankit Jain
   Fund Type	Open-ended

5. Edelweiss Large & Mid Cap Fund Regular-Growth

   Edelweiss Large & Mid Cap Fund Regular-Growth focuses on income and long-term capital growth. It diversifies the portfolio by investing in large and mid cap equity and equity related securities.

   Parameters	Details
   Fund Name	Edelweiss Large & Mid Cap Fund Regular-Growth
   NAV	₹ 88.45 (as on 18th December, 2025)
   AUM	₹4,063.31 Crs
   Expense Ratio	1.85%
   Return 3 Years	17.71%
   Return 5 Years	21.4%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	14th June, 2007
   Asset Allocation	Equity: 98.48%, Debt: 1.85%, Others: -0.33%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	HDFC Bank Ltd ICICI Bank Ltd Reliance Industries Ltd Others CBLO Max Healthcare Institute Ltd Bharti Airtel Ltd State Bank of India The Federal Bank Ltd Infosys Ltd Larsen & Toubro Ltd
   Fund Managers	Raj Koradia Trideep Bhattacharya Sumanta Khan
   Fund Type	Open-ended

6. Canara Robeco Infrastructure Fund Regular-Growth

   The main objective of Canara Robeco Infrastructure Fund Regular-Growth is to generate income by investing in equity and equity related instruments of the infrastructure sector companies.

   Parameters	Details
   Fund Name	Canara Robeco Infrastructure Fund Regular-Growth
   NAV	₹ 155.26 (as on 18th December, 2025)
   AUM	₹917.06 Crs
   Expense Ratio	2.27%
   Return 3 Years	25.65%
   Return 5 Years	32.24%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	2nd December, 2005
   Asset Allocation	Equity: 95.45%, Others: 4.55%
   Top Sectors	Consumer Discretionary Industrials Diversified Energy & Utilities Financial Materials Real Estate Technology
   Top Holdings	Larsen & Toubro Ltd Repo Reliance Industries Ltd State Bank of India NTPC Ltd Bharat Electronics Ltd Interglobe Aviation Ltd GE T&D India Ltd Dixon Technologies (India) Ltd Tata Power Company Ltd
   Fund Managers	Vishal Mishra Shridatta Bhandwaldar
   Fund Type	Open-ended

Benefits of Investing in SIP for 5 Years

Investing in a SIP for 5 years offers several key advantages:

• Power of Compounding: Even small monthly investments can grow significantly over a 5 year period thanks to the power of compounding.

• Rupee Cost Averaging: A mutual fund SIP for 5 years allows you to buy more units during market dips and fewer during highs, averaging the cost.

• Disciplined Investing: Regular monthly investments in the best SIP for 5 years reduce emotional decisions and build investment discipline.

• Achieve Financial Goals: Whether it’s a down payment for a home or building a corpus for your child’s education, SIP for 5 years is a reasonable choice to achieve mid-term goals.

• Inflation-Beating Returns: Especially with equity SIPs, the returns over 5 years often surpass inflation rates, helping maintain purchasing power.

• Low Barrier to Entry: You can start with as low as ₹500 per month and scale up as your income grows.

SIP Calculator

I know my investment amount I know my goal amount

Monthly SIP Yearly SIP Lumpsum

I want to invest Pro Tip

Financial experts suggest that a person should invest 10-15% of their monthly income for long-term financial growth

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I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

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Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

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Total Wealth ₹1.03 Cr

View Plans

I want to save

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

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Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

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Monthly Investment ₹22.4 L

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Top Funds with High Returns (Past 7 Years)

12.96%

Equity Pension

15.49%

Global Equity Index Funds Strategy

19.1%

Pension Growth Super

13.16%

Opportunities Fund

20.89%

Multi Cap Fund

14.15%

Accelerator Mid-Cap Fund II

15.54%

Multiplier

14.63%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

11.16%

Equity II Fund

14.8%

US Equity Fund

15.03%

Growth Opportunities Plus Fund

11.66%

Equity Top 250 Fund

14.03%

Future Apex Fund

12.01%

Pension Dynamic Equity Fund

14.38%

Pension Enhanced Equity

Conclusion

Choosing the best SIP plans for 5 years investments requires careful consideration of various factors, including risk tolerance, investment objectives, and the specific characteristics of different mutual fund schemes. It is important to study the market carefully, diversify your portfolio across asset classes, and maintain a long-term perspective, to build wealth over a period of 5-years.