Best SIP Plans for 10,000 Per Month

List of Best SIP for 10000 Per Month

Below is the list of the best SIP plans you can invest 10000 per month in: 

Details of SIP 10000 Per Month

Below are the details of SIPs for 10000 per month

1. Bandhan Small Cap Fund Regular-Growth

   Investment objective: The Scheme seeks to generate long-term capital appreciation by investing predominantly in equities and equity linked securities of small cap segment.

   Parameters	Details
   Fund Name	Bandhan Small Cap Fund Regular-Growth
   NAV	₹ 47.75 (as on 25th October, 2025)
   AUM	₹14,062.19 Crs
   Expense Ratio	1.66%
   Return 5 Years	30.26%
   Return 10 Years	N/A
   Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
   Risk Level	Principal at very high risk
   Launch Date	25th February, 2020
   Asset Allocation	Equity: 89.82%, Debt: 0.07%, Others: 10.11%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	Reverse Repo Sobha Ltd LT Foods Ltd REC Ltd The South Indian Bank Ltd Cholamandalam Financial Holdings Ltd Apar Industries Ltd PCBL Ltd PNB Housing Finance Ltd Info Edge (India) Ltd
   Fund Managers	Manish Gunwani Kirthi Jain Ritika Behera Gaurav Satra
   Fund Type	Open-ended

2. ICICI Prudential Infrastructure Fund-Growth

   Investment objective: The scheme seeks to generate capital appreciation and income distribution to unit holders by investing predominantly in equity/equity related securities of the companies belonging to the infrastructure theme.

   Parameters	Details
   Fund Name	ICICI Prudential Infrastructure Fund-Growth
   NAV	₹ 199.77 (as on 25th October, 2025)
   AUM	₹7,941.20 Crs
   Expense Ratio	1.85%
   Return 5 Years	37.23%
   Return 10 Years	17.14%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	31st August, 2005
   Asset Allocation	Equity: 91.93%, Debt: 0.52%, Others: 6.91%
   Top Sectors	Consumer Discretionary Industrials Energy & Utilities Financial Materials Real Estate Technology
   Top Holdings	Larsen & Toubro Ltd Repo NTPC Ltd Adani Ports and Special Economic Zone Ltd Vedanta Ltd Reliance Industries Ltd NCC Ltd Kalpataru Power Transmission Ltd Axis Bank Ltd AIA Engineering Ltd
   Fund Managers	Ihab Dalwai Sharmila D'Silva
   Fund Type	Open-ended

   

3. HDFC Mid Cap Fund Regular-Growth

   Investment objective: The scheme seeks to provide long-term capital appreciation/income by investing predominantly in Mid-Cap companies.

   Parameters	Details
   Fund Name	HDFC Mid Cap Fund Regular-Growth
   NAV	₹ 199.04 (as on 25th October, 2025)
   AUM	₹83,847.39 Crs
   Expense Ratio	1.34%
   Return 5 Years	29.27%
   Return 10 Years	18%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	25th June, 2007
   Asset Allocation	Equity: 93.6%, Others: 6.4%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Repo Max Financial Services Ltd Balkrishna Industries Ltd Indian Bank Fortis Healthcare Ltd Coforge Ltd AU Small Finance Bank Ltd The Federal Bank Ltd Glenmark Pharmaceuticals Ltd Ipca Laboratories Ltd
   Fund Managers	Chirag Setalvad Dhruv Muchhal
   Fund Type	Open-ended

4. Motilal Oswal Large and Midcap Fund Regular - Growth

   Investment objective: The Scheme seeks to provide medium to long-term capital appreciation by investing primarily in Large and Midcap stocks.

   Parameters	Details
   Fund Name	Motilal Oswal Large and Midcap Fund Regular - Growth
   NAV	₹ 35.01 (as on 25th October, 2025)
   AUM	₹12,427.89 Crs
   Expense Ratio	1.71%
   Return 5 Years	28.31%
   Return 10 Years	N/A
   Minimum Investment	SIP ₹1000 & Lumpsum ₹500
   Risk Level	Principal at very high risk
   Launch Date	17th October, 2019
   Asset Allocation	Equity: 98.97%, Debt: 1.07%, Others: -0.03%
   Top Sectors	Energy & Utilities Consumer Discretionary Industrials Diversified Financial Healthcare Materials Real Estate Technology
   Top Holdings	Zomato Ltd Bharat Electronics Ltd CG Power & Industrial Solutions Ltd Waaree Energies Ltd. Apar Industries Ltd Bajaj Finance Ltd Cholamandalam Investment & Finance Company Ltd PTC Industries Ltd Siemens Energy India Ltd Amber Enterprises India Ltd
   Fund Managers	Atul Mehra Sunil Sawant Rakesh Shetty Ajay Khandelwal
   Fund Type	Open-ended

5. Invesco India Smallcap Fund Regular - Growth

   Investment objective: The scheme seeks to generate capital appreciation by investing predominantly in stocks of Smallcap companies.

   Parameters	Details
   Fund Name	Invesco India Smallcap Fund Regular - Growth
   NAV	₹ 42.95 (as on 25th October, 2025)
   AUM	₹7,580.46 Crs
   Expense Ratio	1.73%
   Return 5 Years	30.2%
   Return 10 Years	N/A
   Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
   Risk Level	Principal at very high risk
   Launch Date	30th October, 2018
   Asset Allocation	Equity: 98.32%, Others: 1.68%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Financial Healthcare Materials Real Estate Technology
   Top Holdings	Sai Life Sciences Ltd. Krishna Institute Of Medical Sciences Ltd Swiggy Ltd. Multi Commodity Exchange Of India Ltd JK Lakshmi Cement Ltd Interglobe Aviation Ltd BSE Ltd Karur Vysya Bank Ltd Global Health Ltd Cholamandalam Financial Holdings Ltd
   Fund Managers	Taher Badshah Aditya Khemani
   Fund Type	Open-ended

6. SBI ELSS Tax Saver Fund Regular -Growth

   Investment objective: The scheme seeks capital appreciation through investments in equities, cumulative convertible preference shares and fully convertible debentures and bonds. The scheme was converted into an open-ended plan in November 1999.

   Parameters	Details
   Fund Name	SBI ELSS Tax Saver Fund Regular -Growth
   NAV	₹ 445.71 (as on 25th October, 2025)
   AUM	₹30,271.16 Crs
   Expense Ratio	1.58%
   Return 5 Years	24.72%
   Return 10 Years	14.47%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹500
   Risk Level	Principal at very high risk
   Launch Date	NA
   Asset Allocation	Equity: 93.55%, Debt: 0.13%, Others: 6.32%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	HDFC Bank Ltd Repo Reliance Industries Ltd ICICI Bank Ltd Tata Steel Ltd Cipla Ltd ITC Ltd Mahindra & Mahindra Ltd State Bank of India Torrent Power Ltd
   Fund Managers	NA
   Fund Type	Open-ended

   

7. Nippon India Small Cap Fund Direct- Growth

   Investment objective: The scheme seeks to generate long term capital appreciation by investing predominantly in equity and equity related instruments of small cap companies.

   Parameters	Details
   Fund Name	Nippon India Small Cap Fund Direct- Growth
   NAV	₹ 191.34 (as on 25th October, 2025)
   AUM	₹65,922.00 Crs
   Expense Ratio	0.64%
   Return 5 Years	33.46%
   Return 10 Years	21.75%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	NA
   Asset Allocation	Equity: 95.16%, Debt: 0.03%, Others: 4.81%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	Repo Multi Commodity Exchange Of India Ltd HDFC Bank Ltd Kirloskar Brothers Ltd Paradeep Phosphates Ltd Karur Vysya Bank Ltd Apar Industries Ltd Elantas Beck India Ltd State Bank of India NLC India Ltd
   Fund Managers	NA
   Fund Type	Open-ended

8. Quant Small Cap Fund Direct Plan-Growth

   Investment objective: The scheme seeks to generate capital appreciation by investing in a well-diversified portfolio of small cap companies

   Parameters	Details
   Fund Name	Quant Small Cap Fund Direct Plan-Growth
   NAV	₹ 283.68 (as on 25th October, 2025)
   AUM	₹29,462.70 Crs
   Expense Ratio	0.71%
   Return 5 Years	35.17%
   Return 10 Years	20.33%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	NA
   Asset Allocation	Equity: 94.21%, Debt: 0.32%, Others: 5.46%
   Top Sectors	Industrials Technology Consumer Discretionary Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate
   Top Holdings	Reliance Industries Ltd Repo Jio Financial Services Limited RBL Bank Ltd Aegis Logistics Ltd Adani Power Ltd Bikaji Foods International Ltd Anand Rathi Wealth Ltd Aster DM Healthcare Ltd Ventive Hospitality Ltd.
   Fund Managers	Sanjeev Sharma Ankit A Pande Sandeep Tandon Varun Pattani Ayusha Kumbhat Sameer Kate Yug Tibrewal
   Fund Type	Open-ended

Things to Consider While Investing in Best SIP for 10000 Per Month 

Here are some important things to consider while investing in the best SIP for ₹10000 per month:

1. Investment Goal

   Define your financial goals—whether it's buying a house, funding your child’s education, or building retirement wealth. Your goal will help you choose between equity, hybrid, or debt mutual funds.

2. Investment Horizon

   The duration of your SIP matters. For a long-term horizon (7+ years), equity funds are ideal. For short- to medium-term goals, consider debt or balanced funds.

3. Risk Appetite

   Evaluate how much risk you can handle. If you’re risk-averse, go for conservative or hybrid funds. Aggressive investors can opt for small-cap or mid-cap equity funds.

4. Fund Performance

   Don’t just go by star ratings. Check the past 5–10 year performance, consistency in returns, and how the fund has performed during volatile periods.

5. Expense Ratio

   A lower expense ratio means more of your money is invested. Compare this metric across similar funds to make an informed choice.

6. Fund Manager Experience

   The expertise of the fund manager plays a key role in consistent performance. Opt for funds managed by experienced professionals with a solid track record.

7. Diversification

   Don’t put all your ₹10,000 in one fund. Split it across different types—like large-cap, mid-cap, and sectoral funds—to manage risk.

8. Tax Efficiency

   Long-term equity gains above ₹1 lakh are taxed at 10%, while debt funds follow indexation. Consider the tax implications before finalising your SIPs.

9. Liquidity Needs

   Ensure you’re not locking funds needed for emergencies. Maintain a separate emergency fund and treat SIPs as long-term investments.

10. Review and Adjust Periodically

    Keep reviewing your SIPs annually. Switch or rebalance as per changes in your goals, market performance, or income levels.

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 ₹22.4 L

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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)

12.38%

Equity Pension

16.14%

Global Equity Index Funds Strategy

17.8%

High Growth Fund

15.5%

Pension India Consumption Fund

20.56%

Multi Cap Fund

14.36%

Accelerator Mid-Cap Fund II

15.66%

Multiplier

14.15%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

10.69%

Equity II Fund

13.87%

US Equity Fund

14.45%

Growth Opportunities Plus Fund

11.47%

Equity Top 250 Fund

13.47%

Future Apex Fund

11.28%

Pension Dynamic Equity Fund

13.79%

Accelerator Fund

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Conclusion

Choosing the best SIP plan for ₹10,000 per month isn't about chasing the highest returns it's about finding the right balance between risk, consistency, and your financial needs. By investing wisely and reviewing your portfolio regularly, you can harness the power of compounding and achieve significant growth over time. A disciplined SIP strategy can turn modest monthly investments into a substantial corpus in the future.