Best SIP Plans for 5 Years Investment 2025

Systematic Investment Plans (SIPs) are one of the most efficient and disciplined ways to invest in mutual funds. Whether you're a first-time investor or looking to diversify, SIP for 5 years can help you stay committed to your financial goals. Over this horizon, SIPs offer the advantage of rupee cost averaging, compounding, and long-term wealth creation. If you're wondering which SIP is best for 5 years, this guide provides a comprehensive list of the best SIP plans for 5 years in both equity and debt funds to help you make an informed choice.

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SIP Plan Benefits
Start SIP with as low as ₹1000
Start SIP with as low as ₹1000
No hidden charges
No hidden charges
Save upto ₹46,800 in Tax
Save upto ₹46,800 in Taxunder section 80C^
Zero LTCG Tax
Zero LTCG Tax
Disciplined & worry-free investing
Disciplined & worry-free investing

Payment Mode
Invest
₹ 10,000
Invest for
AUM (Cr)

₹9,928

NAV

118.39

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 27.23 22.19 18.4 %

Instant tax receipt
AUM (Cr)

₹3,248

NAV

71.49

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 24.23 17.63 15.14 %

Instant tax receipt
AUM (Cr)

₹2,675

NAV

74.61

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 24.82 17.74 14.98 %

Instant tax receipt
AUM (Cr)

₹37,289

NAV

78.97

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 25.19 15.94 14.81 %

Instant tax receipt
AUM (Cr)

₹5,652

NAV

83.8

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 23.63 13.87 14.76 %

Instant tax receipt
AUM (Cr)

₹3,581

NAV

42.58

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.81 14.5 14.4 %

Instant tax receipt
AUM (Cr)

₹4,348

NAV

70.48

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 23.87 16.06 14.22 %

Instant tax receipt
AUM (Cr)

₹440

NAV

69.77

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.64 14.81 13.99 %

Instant tax receipt
AUM (Cr)

₹7,189

NAV

157.26

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.41 14.61 13.53 %

Instant tax receipt
AUM (Cr)

₹236

NAV

50.49

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 23.1 16.12 13.52 %

Instant tax receipt
AUM (Cr)

₹3,248

NAV

71.49

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 24.23 17.63 15.14 %

AUM (Cr)

₹2,675

NAV

74.61

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 24.82 17.74 14.98 %

AUM (Cr)

₹3,581

NAV

42.58

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.81 14.5 14.4 %

AUM (Cr)

₹4,348

NAV

70.48

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 23.87 16.06 14.22 %

AUM (Cr)

₹440

NAV

69.77

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.64 14.81 13.99 %

AUM (Cr)

₹7,189

NAV

157.26

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.41 14.61 13.53 %

AUM (Cr)

₹236

NAV

50.49

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 23.1 16.12 13.52 %

AUM (Cr)

₹101

NAV

58.45

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 23.92 16.33 13.49 %

AUM (Cr)

₹2,883

NAV

70.44

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.18 14.29 13.24 %

AUM (Cr)

₹13,357

NAV

84.4

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.22 14.26 12.91 %

AUM (Cr)

₹9,928

NAV

118.39

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 27.23 22.19 18.4 %

AUM (Cr)

₹37,289

NAV

78.97

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 25.19 15.94 14.81 %

AUM (Cr)

₹5,652

NAV

83.8

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 23.63 13.87 14.76 %

AUM (Cr)

₹2,323

NAV

181.72

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 30.96 22.84 17.46 %

AUM (Cr)

₹986

NAV

75.64

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 23.07 15.89 14.6 %

AUM (Cr)

₹13,638

NAV

70.33

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.64 14.56 13.08 %

AUM (Cr)

₹155

NAV

60.14

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 23.04 14.48 12.61 %

AUM (Cr)

₹1,183

NAV

54.8

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.89 14.04 12.37 %

AUM (Cr)

₹539

NAV

59.2

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.96 13.09 11.66 %

AUM (Cr)

₹222

NAV

94.47

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.45 8.64 8.57 %

AUM (Cr)

₹866

NAV

40.5

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 6.18 8.02 7.93 %

AUM (Cr)

₹501

NAV

38.22

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 6.05 8.02 7.72 %

AUM (Cr)

₹136

NAV

34.66

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.69 7.58 7.54 %

AUM (Cr)

₹210

NAV

47.13

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.19 7.51 7.42 %

AUM (Cr)

₹75

NAV

40.5

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.54 7.35 7.36 %

AUM (Cr)

₹96

NAV

38.64

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.65 7.51 7.3 %

AUM (Cr)

₹8,009

NAV

32.13

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.3 7.16 7.27 %

AUM (Cr)

₹139

NAV

29.13

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 6.05 7.07 7.25 %

AUM (Cr)

₹19,982

NAV

49.51

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.72 7.34 7.23 %

AUM (Cr)

₹878

NAV

100.36

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 22.73 17.14 15.41 %

AUM (Cr)

₹369

NAV

48.52

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.96 11.76 10.75 %

AUM (Cr)

₹501

NAV

104.04

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.54 10.66 10.06 %

AUM (Cr)

₹5,893

NAV

40.44

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.28 10.78 10.06 %

AUM (Cr)

₹65

NAV

60.39

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.92 10.24 10.01 %

AUM (Cr)

₹858

NAV

39.76

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.11 10.73 9.89 %

AUM (Cr)

₹7,999

NAV

111.98

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.61 10.89 9.86 %

AUM (Cr)

₹295

NAV

31.84

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.93 10.15 9.8 %

AUM (Cr)

₹19

NAV

34.24

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.52 10.51 9.59 %

AUM (Cr)

₹2,021

NAV

43.78

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.19 10.14 9.58 %

AUM (Cr)

₹7,420

NAV

155.42

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.69 14.09 13.49 %

AUM (Cr)

₹1,296

NAV

79.24

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.6 13.59 13.34 %

AUM (Cr)

₹2,995

NAV

71.08

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.86 14.04 13.13 %

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Best SIP Plans in Equity Funds for 5 Years

Mutual Fund Name 5 Year Returns
SBI PSU Direct Plan-Growth 33.85%
Motilal Oswal Midcap Fund Direct-Growth 40.11%
Aditya Birla Sun Life PSU Equity Fund Direct-Growth 36.28%
ICICI Prudential Infrastructure Direct-Growth 40.92%
Invesco India PSU Equity Fund Direct-Growth 32.02%
HDFC Infrastructure Direct Plan-Growth 38.51%
Nippon India Power & Infra Fund Direct-Growth 37.42%
Bandhan ELSS Tax Saver Fund Direct Plan Growth 30.42%
Franklin Build India Direct Fund Growth 37.67%
Bandhan Infrastructure Fund Direct Plan Growth 38.74%
  1. SBI PSU Direct Plan-Growth:

    • SBI PSU Direct Plan-Growth mutual fund invests primarily in equity and equity-related instruments of Public Sector Undertakings (PSUs).

    • Aims to provide long-term growth by capitalizing on the potential of Indian PSUs.

    • Suitable for investors with a moderate-to-high-risk appetite and a long-term investment horizon.

  2. Motilal Oswal Midcap Fund Direct-Growth:

    • Focuses on investing in mid-sized companies with strong fundamentals and growth potential.

    • Seeks to generate superior returns by capitalizing on the growth opportunities in the midcap segment.

    • Involves higher risk compared to large-cap funds but also offers the potential for higher returns.

  3. Aditya Birla Sun Life PSU Equity Fund Direct-Growth:

    • Aditya Birla Sun Life PSU Equity Fund Direct-Growth mutual fund invests predominantly in equity and equity-related instruments of Public Sector Undertakings (PSUs).

    • Seeks to provide long-term capital appreciation by capitalizing on the growth prospects of PSUs.

    • Suitable for investors with a moderate-to-high-risk appetite and a long-term investment horizon.

  4. ICICI Prudential Infrastructure Direct-Growth:

    • Invests in companies operating in the infrastructure sector, such as construction, power, transportation, and telecom.

    • Aims to capitalize on the growth potential of the Indian infrastructure sector.

    • It is a high-risk mutual fund due to the cyclical nature of the infrastructure sector.

  5. Invesco India PSU Equity Fund Direct-Growth:

    • Invests primarily in equity and equity-related instruments of Public Sector Undertakings (PSUs).

    • This mutual fund seeks to provide long-term capital appreciation by capitalizing on the growth prospects of PSUs.

    • Those looking for growth over an extended period and who are prepared to accept moderate to significant risk should consider this.

  6. HDFC Infrastructure Direct Plan-Growth:

    • Invests in companies operating in the infrastructure sector, such as construction, power, transportation, and telecom.

    • Aims to capitalize on the growth potential of the Indian infrastructure sector.

    • Involves higher risk due to the cyclical nature of the infrastructure sector.

  7. Nippon India Power & Infra Fund Direct-Growth:

    • Focuses on investing in companies operating in the power and infrastructure sectors.

    • Seeks to generate long-term capital appreciation by capitalizing on the growth potential of these sectors.

  8. Bandhan ELSS Tax Saver Fund Direct Plan Growth:

    • An Equity Linked Savings Scheme (ELSS) that offers tax benefits under Section 80C of the Income Tax Act.

    • Invests primarily in equities and equity-related instruments.

    • This ELSS mutual fund offers tax benefits along with the potential for long-term capital appreciation.

  9. Franklin Build India Direct Fund Growth:

    • Focuses on investing in companies that contribute to India's growth and development.

    • Seeks to generate long-term capital appreciation by investing in companies across various sectors.

    • Involves moderate-to-high risk and is suitable for investors with a long-term investment horizon.

  10. Bandhan Infrastructure Fund Direct Plan Growth:

    • Invests in companies operating in the infrastructure sector, such as construction, power, transportation, and telecom.

    • Aims to capitalize on the growth potential of the Indian infrastructure sector.

    • Involves higher risk due to the cyclical nature of the infrastructure sector.

  • Insurance Companies
  • Mutual Funds
Returns
Fund Name 5 Years 7 Years 10 Years
High Growth Fund Max Life
Rating
27.23% 22.19%
18.4%
View Plan
Top 200 Fund Tata AIA
Rating
30.96% 22.84%
17.46%
View Plan
Accelerator Mid-Cap Fund II Bajaj Allianz
Rating
23.63% 13.87%
14.76%
View Plan
Opportunities Fund HDFC Standard
Rating
25.19% 15.94%
14.81%
View Plan
Equity II Fund Canara HSBC Oriental Bank
Rating
19.43% 11.22%
10.39%
View Plan
Growth Opportunities Plus Fund Bharti AXA
Rating
23.07% 15.89%
14.6%
View Plan
Multiplier Birla Sun Life
Rating
26.07% 15.44%
15.6%
View Plan
Pension Opportunities Fund ICICI Prudential
Rating
23.04% 14.48%
12.61%
View Plan
Flexi Growth Fund LIC
Rating
- -
-
View Plan
Virtue II PNB Metlife
Rating
24.23% 17.63%
15.14%
View Plan
Fund rating powered by
Last updated: Jun 2025
Compare more funds

  Returns
Fund Name 3 Years 5 Years 10 Years
Active Fund QUANT 23.92% 31.48%
21.87%
Flexi Cap Fund PARAG PARIKH 20.69% 26.41%
19.28%
Large and Mid-Cap Fund EDELWEISS 22.34% 24.29%
17.94%
Equity Opportunities Fund KOTAK 24.64% 25.01%
19.45%
Large and Midcap Fund MIRAE ASSET 19.74% 24.32%
22.50%
Flexi Cap Fund PGIM INDIA 14.75% 23.39%
-
Flexi Cap Fund DSP 18.41% 22.33%
16.91%
Emerging Equities Fund CANARA ROBECO 20.05% 21.80%
15.92%
Focused fund SUNDARAM 18.27% 18.22%
16.55%

Last updated: June 2025

Compare more funds

Buying the Dip Results in Higher ReturnsBuying the Dip Results in Higher Returns

Best SIP for 5 Years in Debt Funds

Mutual Fund Name 5 Year Returns
Quant Liquid Direct Fund Growth 5.88%
Aditya Birla Sun Life Medium Term Plan Direct-Growth 14.32%
Bank of India Short-Term Income Fund Direct-Growth 10.71%
Mirae Asset Low Duration Fund Direct-Growth 6.37%
Nippon India Credit Risk Fund Direct-Growth 9.40%
UTI Dynamic Bond Fund Direct-Growth 9.52%
HDFC Regular Savings Fund Direct-Growth 8.94%
ICICI Prudential Dynamic Bond Direct Plan-Growth 8.21%
UTI Banking & PSU Fund Direct-Growth 7.41%
Invesco India Credit Risk Fund Direct-Growth 8.25%

Start An Sip Today Watch Your Money Grow Start An Sip Today Watch Your Money Grow

Best SIP Plans in Debt Funds for 5-Year

  1. Quant Liquid Direct Fund Growth

    • Low-risk, short-term debt fund.

    • Aims for capital preservation and steady returns.

    • Suitable for parking surplus funds or emergency corpus.

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

    • Moderately risky debt fund with a focus on medium-term bonds.

    • Seeks to generate higher returns than short-term debt mutual funds.

    • Suitable for investors with a moderate risk appetite and investment horizon of 3-5 years.

  3. Bank of India Short-Term Income Fund Direct-Growth

    • Low-risk debt fund investing in short-term debt instruments.

    • Provides relatively stable returns with lower volatility.

    • Suitable for investors seeking capital preservation and regular income.

  4. Mirae Asset Low Duration Fund Direct-Growth

    • Low-risk debt mutual fund investing in short-term debt instruments.

    • Aims to provide stable returns with lower volatility.

    • Suitable for investors seeking capital preservation and regular income.

  5. Nippon India Credit Risk Fund Direct-Growth

    • Moderately risky debt fund investing in corporate bonds.

    • Seeks to generate higher returns than traditional debt funds.

    • Investors who can accept some risk and have a medium-term investment timeframe of 3 to 5 years would find this suitable.

  6. UTI Dynamic Bond Fund Direct-Growth

    • Flexibly managed debt mutual fund that can invest across various maturities.

    • Seeks to generate consistent returns across market cycles.

    • Suitable for investors with a moderate risk appetite and a long-term investment horizon.

  7. HDFC Regular Savings Fund Direct-Growth

    • Hybrid mutual fund that invests in a mix of equity and debt instruments.

    • Provides a blend of growth and stability.

    • Suitable for investors seeking a balanced approach to investing.

  8. ICICI Prudential Dynamic Bond Direct Plan-Growth

    • Flexibly managed debt fund that can invest across various maturities.

    • Seeks to generate consistent returns across market cycles.

    • For investors seeking balanced risk and long-term growth, this option is appropriate.

  9. UTI Banking & PSU Fund Direct-Growth

    • Debt mutual fund specializing in bonds issued by banks and public sector undertakings.

    • Offers relatively stable returns with lower credit risk.

    • Suitable for investors seeking a mix of safety and moderate returns.

  10. Invesco India Credit Risk Fund Direct-Growth

    • Moderately risk debt mutual fund investing in corporate bonds.

    • Seeks to generate higher returns than traditional debt funds.

    • Designed for investors who can handle some risk and have a medium-term investment timeframe of 3 to 5 years.

SIP Calculator

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
/Month
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 ₹22.4 L
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
View Plans
Top Funds with High Returns (Past 7 Years)
High Growth Fund
18.4%
High Growth Fund
Top 200 Fund
17.46%
Top 200 Fund
Accelerator Mid-Cap Fund II
14.76%
Accelerator Mid-Cap Fund II
Opportunities Fund
14.81%
Opportunities Fund
Equity II Fund
10.39%
Equity II Fund
Accelerator Fund
13.52%
Accelerator Fund
Growth Opportunities Plus Fund
14.6%
Growth Opportunities Plus Fund
Multiplier
15.6%
Multiplier
Equity Top 250 Fund
11.66%
Equity Top 250 Fund
Future Apex Fund
13.49%
Future Apex Fund
Pension Opportunities Fund
12.61%
Pension Opportunities Fund
Frontline Equity Fund
14.22%
Frontline Equity Fund
Virtue II
15.14%
Virtue II
Pension Dynamic Equity Fund
11.01%
Pension Dynamic Equity Fund
Equity Fund
11.94%
Equity Fund
Blue-Chip Equity Fund
10.29%
Blue-Chip Equity Fund

Benefits of Investing in SIP for 5 Years

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

  1. Power of Compounding:

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

  2. Rupee Cost Averaging:

    SIP for 5 years allows you to buy more units during market dips and fewer during highs, averaging the cost.

  3. Disciplined Investing:

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

  4. Achieve Financial Goals:

    Whether it’s a down payment for a home or building a corpus for education, SIP for 5 years is a reasonable choice to achieve mid-term goals.

  5. Inflation-Beating Returns:

    Especially with equity SIPs, the returns over 5 years often surpass inflation rates, helping maintain purchasing power.

  6. Low Barrier to Entry:

    You can start with as low as ₹500 per month and scale up as your income grows.

If you're thinking which SIP is best for 5 years click below to explore

Why Choose the Best SIP Plan for 5 Years Investments?

Here are some reasons why choosing the best SIP plans for 5-year investments can be a smart strategy:

  1. Power of Compounding:

    Over a 5-year timeframe, the power of compounding can significantly boost your returns. Regular investments through SIPs allow you to benefit from this effect as your returns earn further returns.

  2. Rupee Cost Averaging:

    SIPs help you implement rupee cost averaging, which means you invest a fixed amount at regular intervals. This strategy helps you buy more units when the market is down and fewer units when it's high, potentially lowering your overall average cost.

  3. Disciplined Investing:

    SIPs encourage disciplined investing by automating your mutual fund investments. This helps you stay on track with your investment goals and avoid missing out on market opportunities.

  4. Long-Term Wealth Creation:

    A best SIP for 5 years investment horizon aligns well with the long-term growth potential of equity markets. By staying invested for the long term, you can potentially ride out market fluctuations and achieve significant wealth creation.

  5. Inflation-Beating Returns:

    Equity investments, through SIPs, have the potential to generate returns that outpace inflation over the long term, helping you maintain your purchasing power.

  6. Goal-Based Investing:

    SIPs can be a valuable tool for achieving specific financial goals, such as buying a house, funding your child's education, or planning for retirement. By choosing the right SIP mutual fund plans and investing consistently, you can increase your chances of achieving your goals.

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. By conducting thorough research, diversifying their portfolio across asset classes, and maintaining a long-term perspective, investors can effectively utilize SIPs to build wealth and achieve their financial aspirations over a 5-year timeframe. Remember that investing involves risks, and past performance is not indicative of future results.

SIP Hub

FAQs

  • How do I choose the best SIP for 5 years?

    When selecting the best SIP for a 5-year investment, consider the following factors:
    • Your risk appetite (higher returns often come with higher risk)

    • Investment goal (wealth creation, tax saving, etc.)

    • Fund performance over the last 3-5 years

    • Expense ratio and fund manager track record

    • Liquidity and exit load of the fund

  • What are the benefits of investing in a SIP for 5 years?

    Investing in a SIP for 5 years allows you to benefit from rupee cost averaging, compounding, and disciplined investing. It helps mitigate market volatility and can lead to substantial wealth accumulation over time, especially in well-performing equity funds.
  • Can I withdraw my SIP investment before 5 years?

    Yes, most open-ended mutual funds allow you to redeem your SIP investments before 5 years. However, some funds may have exit loads or tax implications if withdrawn early, especially in the case of ELSS (tax-saving) funds which have a 3-year lock-in period.
  • What is the minimum amount required to start a SIP for 5 years?

    Many top SIP funds allow you to start with a minimum monthly investment of ₹100 to ₹1,000, making it accessible for most investors.
  • Is SIP in equity funds better than debt funds for 5 years?

    Equity funds typically offer higher returns than debt funds over 5 years but come with greater risk and volatility. Debt funds provide more stability and lower risk but may not match the long-term growth potential of equities.

˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
Disclaimer:#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. All SIPs listed here are of insurance companies’ funds. 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.
*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.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++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.
**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).

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