List of Best SIP for 10000 Per Month
Below is the list of the best SIP plans you can invest 10000 per month in:
| Mutual Funds |
3 Year Returns |
5 Year Returns |
| Bandhan Small Cap Fund |
35.13% |
37.82% |
| ICICI Prudential Infrastructure Fund |
33.99% |
37.88% |
| HDFC Mid-Cap Opportunities Fund |
30.23% |
33.04% |
| Motilal Oswal Large and Midcap Fund |
31.8% |
30.43% |
| Invesco India Smallcap Fund |
31.14% |
35.2% |
| SBI ELSS Tax Saver Fund Direct-Growth |
27.47% |
27.4% |
| Nippon India Small Cap Fund |
28.46% |
38.18% |
| Quant Small Cap Fund Direct Plan Growth |
30.61% |
44.11% |
- Insurance Companies
- Mutual Funds
|
Returns |
| Fund Name |
5 Years |
7 Years |
10 Years |
| Axis Max Life |
28.6% |
21.1% |
|
| Tata AIA Life |
26.52% |
21.28% |
|
| Bajaj Allianz |
20.49% |
12.87% |
|
| HDFC Life |
21.44% |
14.95% |
|
| ICICI Prudential Life |
20.5% |
- |
|
| Birla Sun Life |
22.25% |
14.81% |
|
| PNB MetLife |
20.48% |
16.44% |
|
| Canara HSBC Life |
16.68% |
10.38% |
|
| LIC India |
10.98% |
- |
|
| SBI Life |
16.86% |
12.02% |
|
Fund rating powered by
Last updated: Aug 2025
| |
Returns |
| Fund Name |
3 Years |
5 Years |
10 Years |
| QUANT |
23.92% |
31.48% |
|
| PARAG PARIKH |
20.69% |
26.41% |
|
| EDELWEISS |
22.34% |
24.29% |
|
| KOTAK |
24.64% |
25.01% |
|
| MIRAE ASSET |
19.74% |
24.32% |
|
| PGIM INDIA |
14.75% |
23.39% |
|
| DSP |
18.41% |
22.33% |
|
| CANARA ROBECO |
20.05% |
21.80% |
|
| SUNDARAM |
18.27% |
18.22% |
|
Last updated: August 2025
Details of SIP 10000 Per Month
Below are the details of SIPs for 10000 per month
-
Bandhan Small Cap Fund
Investment objective: The Scheme seeks to generate long-term capital appreciation by investing predominantly in equities and equity linked securities of small cap segment.
| Expense ratio |
0.39% as on Jun 30, 2025 |
| Exit load |
1.0% |
| AUM (Fund size) |
₹12,982 Cr |
| Lock-in Period |
Nil |
| Age |
5 yrs 5 m since Feb 03, 2020 |
| Benchmark |
BSE 250 SmallCap TRI |
| Min. investment |
SIP: ₹500 & Lumpsum: ₹1000 |
| Risk |
Very High |
| Short Term Capital Gains (STCG) |
Returns taxed at 20% if you redeem before 1 year |
| Long Term Capital Gains (LTCG) |
After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5% |
-
ICICI Prudential Infrastructure Fund
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.
| Expense ratio |
1.14% as on Jun 30, 2025 |
| Exit load |
1.0% |
| AUM (Fund size) |
₹8,043 Cr |
| Lock-in Period |
Nil |
| Age |
12 yrs 6 m since Jan 01, 2013 |
| Benchmark |
BSE India Infrastructure TRI |
| Min. investment |
SIP: ₹500 & Lumpsum: ₹5000 |
| Risk |
Very High |
| Short Term Capital Gains (STCG) |
Returns taxed at 20% if you redeem before 1 year |
| Long Term Capital Gains (LTCG) |
After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5% |
-
HDFC Mid-Cap Opportunities Fund
Investment objective: The scheme seeks to provide long-term capital appreciation/income by investing predominantly in Mid-Cap companies.
| Expense ratio |
0.75% as on Jun 30, 2025 |
| Exit load |
1.0% |
| AUM (Fund size) |
₹84,061 Cr |
| Lock-in Period |
Nil |
| Age |
12 yrs 6 m since Jan 01, 2013 |
| Benchmark |
NIFTY Midcap 150 TRI |
| Min. investment |
SIP: ₹500 & Lumpsum: ₹1000 |
| Risk |
Very High |
| Short Term Capital Gains (STCG) |
Returns taxed at 20% if you redeem before 1 year |
| Long Term Capital Gains (LTCG) |
After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5% |
-
Motilal Oswal Large and Midcap Fund
Investment objective: The Scheme seeks to provide medium to long-term capital appreciation by investing primarily in Large and Midcap stocks.
| Expense ratio |
0.64% as on Jun 30, 2025 |
| Exit load |
1.0% |
| AUM (Fund size) |
₹11,816 Cr |
| Lock-in Period |
Nil |
| Age |
5 yrs 9 m since Sep 27, 2019 |
| Benchmark |
Nifty Large Midcap 250 TRI |
| Min. investment |
SIP: ₹500 & Lumpsum: ₹1000 |
| Risk |
Very High |
| Short Term Capital Gains (STCG) |
Returns taxed at 20% if you redeem before 1 year |
| Long Term Capital Gains (LTCG) |
After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5% |
-
Invesco India Smallcap Fund
Investment objective: The scheme seeks to generate capital appreciation by investing predominantly in stocks of Smallcap companies.
| Expense ratio |
0.44% as on Jun 30, 2025 |
| Exit load |
1.0% |
| AUM (Fund size) |
₹7,425 Cr |
| Lock-in Period |
Nil |
| Age |
6 yrs 9 m since Oct 10, 2018 |
| Benchmark |
BSE 250 SmallCap TRI |
| Min. investment |
SIP: ₹500 & Lumpsum: ₹1000 |
| Risk |
Very High |
| Short Term Capital Gains (STCG) |
Returns taxed at 20% if you redeem before 1 year |
| Long Term Capital Gains (LTCG) |
After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5% |
-
SBI ELSS Tax Saver Fund Direct-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.
| Expense ratio |
0.93% as on Jun 30, 2025 |
| Exit load |
0% |
| AUM (Fund size) |
₹30,616 Cr |
| Lock-in Period |
3 Years |
| Age |
12 yrs 6 m since Jan 01, 2013 |
| Benchmark |
BSE 500 TRI |
| Min. investment |
SIP: ₹500 & Lumpsum: ₹1000 |
| Risk |
Very High |
| Short Term Capital Gains (STCG) |
Returns taxed at 20% if you redeem before 1 year |
| Long Term Capital Gains (LTCG) |
After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5% |
-
Nippon India Small Cap Fund
Investment objective: The scheme seeks to generate long term capital appreciation by investing predominantly in equity and equity related instruments of small cap companies.
| Expense ratio |
0.64% as on Jun 30, 2025 |
| Exit load |
1.0% |
| AUM (Fund size) |
₹66,602 Cr |
| Lock-in Period |
Nil |
| Age |
12 yrs 6 m since Jan 01, 2013 |
| Benchmark |
NIFTY Smallcap 250 TRI |
| Min. investment |
SIP: ₹500 |
| Risk |
Very High |
| Short Term Capital Gains (STCG) |
Returns taxed at 20% if you redeem before 1 year |
| Long Term Capital Gains (LTCG) |
After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5% |
-
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
| Expense ratio |
0.66% as on Jun 30, 2025 |
| Exit load |
1.0% |
| AUM (Fund size) |
₹29,629 Cr |
| Lock-in Period |
Nil |
| Age |
12 yrs 6 m since Jan 01, 2013 |
| Benchmark |
NIFTY Smallcap 250 TRI |
| Min. investment |
SIP: ₹1000 & Lumpsum: ₹5000 |
| Risk |
Very High |
| Short Term Capital Gains (STCG) |
Returns taxed at 20% if you redeem before 1 year |
| Long Term Capital Gains (LTCG) |
After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5% |
SIP Calculator
Monthly Investment
₹22.4 L
Top Funds with High Returns (Past 7 Years)
17.8%
High Growth Fund
20.3%
India Consumption Fund
15.07%
Accelerator Mid-Cap Fund II
15.24%
Global Equity Index Funds Strategy
15.5%
Pension India Consumption Fund
15.75%
Multiplier
15.37%
Virtue II
10.86%
Equity II Fund
13.98%
Accelerator Fund
11.47%
Pension Dynamic Equity Fund
14.4%
Frontline Equity Fund
12.58%
Equity Pension
11.75%
Equity Top 250 Fund
14.87%
Growth Opportunities Plus Fund
13.72%
Future Apex Fund
13.87%
US Equity Fund
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:
-
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.
-
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.
-
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.
-
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.
-
Expense Ratio
A lower expense ratio means more of your money is invested. Compare this metric across similar funds to make an informed choice.
-
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.
-
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.
-
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.
-
Liquidity Needs
Ensure you’re not locking funds needed for emergencies. Maintain a separate emergency fund and treat SIPs as long-term investments.
-
Review and Adjust Periodically
Keep reviewing your SIPs annually. Switch or rebalance as per changes in your goals, market performance, or income levels.
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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.
