Best SIP Plans for 5 Years Investment 2023

Listed below are some of the best SIP plans for 5 years. You can check out these shortlisted SIP plans and select the one that works for you:

Best SIP Plans for 3 and 5 Years in Equity Funds 

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Top Funds with High Returns (Past 7 Years)

21.66%

Whole Life Mid Cap Equity Fund

21.07%

Midcap Fund

20.44%

Multiplier

19.21%

Opportunities Fund

19.15%

Accelerator Mid-Cap Fund II

17.84%

High Growth Fund

15.15%

Classic Opportunities Fund

13.88%

Flexi Cap

13.86%

Opportunity Fund

11.25%

Save N Grow Money Fund

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Best SIP Plans for 3 and 5 Years in Debt Funds

Best SIP Plans in Equity Funds

Equity funds are highly volatile but offer highest rate of returns. Listed below are some of the best equity funds for which you can start a SIP.

1. Quant Small Cap Fund Direct Plan-Growth

   Quant Small Cap Fund Direct Plan-Growth is ideal for an investor looking for a medium to short-run investment. For example, an investor may expect a growth rate of 67.91% in 3 years under Quant Small Cap Fund Direct Plan-Growth. 5-years growth rate of the fund is 22.49%. 

2. Tata Digital India Fund Direct-Growth

   Tata Digital India Fund Direct-Growth is an equity mutual fund scheme offered by Tata Mutual Fund. The plan is currently managed by the Fund Manager, Meeta Shetty. The fund’s current expense ratio is 0.31%. It is an open-end fund with INR 6,765.81 crores AUM (Asset Under Management).

3. ICICI Prudential Technology Direct Plan-Growth

   ICICI Prudential Technology Direct Plan-Growth offers a 51.73% average growth rate in 3 years. In addition, it offers a 21.60% rate of returns in 5-years. One may consider INR 100 as the minimum amount to invest in ICICI Prudential Technology Direct Plan-Growth. 

4. SBI Technology Opportunities Fund Direct-Growth

   SBI Technology Opportunities Fund Direct-Growth offers a 36.75% rate of returns in 3 years and a 20.84% growth rate in 5 years. An investor can start a SIP of INR 500 per month for at least 3 years to get maximum returns. The total fund size of SBI Technology Opportunities Fund Direct-Growth is INR 2861.77 crores.

5. Aditya Birla Sun Life Digital India Fund Direct-Growth

   Aditya Birla Sun Life Digital India Fund Direct-Growth has existed for over ten years. The fund was launched on 01/01/2013. The current asset under the management of Aditya Birla Sun Life Digital India Direct-Growth Fund is INR 3,338.13 crores. It has an expense ratio of 0.88% and a 40.10% rate of return in 3-years. 

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

Best SIP Plans in Debt Funds

Listed below are the best sip plans for debt funds, along with the expected rate of returns on the investment made by the investor. 

1. DSP Government Securities Direct Plan-Growth

   DSP Government Securities Direct Plan-Growth is a Gilt mutual fund scheme offered by DSP mutual fund. The fund has existed for more than ten years and was launched on 01/01/2013. It is a medium-sized fund with 0.54% as an expense ratio. DSP Government Securities Direct Plan-Growth fund offers a 5.88% rate of return in 3 years and an 8.34% rate of return in 5 years.

2. Aditya Birla Sun Life Medium Term Direct Plan-Growth 

   Aditya Birla Sun Life Medium Term Direct Plan-Growth is a medium-duration scheme of mutual funds. It has INR 1,643 crore of assets under management and comes under the medium-sized fund category. It has a 14.17% rate of return in 3-years and an 8.57% rate of return in five years. 

3. Bandhan Government Securities Investment Plan Direct-Growth

   Bandhan Government Securities Investment Plan Direct-Growth has its top holding in the GOI (Government of India) securities. The plan has delivered an 8.83% average annual rate of returns since its launch. Further, it has INR 1410 crores worth of assets under management. The plan offers a 5.69% rate of return in 3-years and an 8.39% rate of return in 5-years.

Bottom-line

You can invest in any of the above-listed sip plans for five years and even more. SIP calculator online tool can be used to analyze the SIP returns. You can also look at other SIP plans on our website.  However, make sure that you go through the fund house reputation, historic returns, NAV, and risk involved among other factors.

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