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. 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	₹ 192.70 (as on 10th December, 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: 93.73%, Debt: 1.29%, Others: 4.37%
   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 AIA Engineering Ltd Axis Bank Ltd Kalpataru Power Transmission Ltd
   Fund Managers	Ihab Dalwai Sharmila D'Silva
   Fund Type	Open-ended

2. 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	₹ 200.30 (as on 10th December, 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: 93.7%, Others: 6.3%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Repo Max Financial Services Ltd AU Small Finance Bank Ltd Balkrishna Industries Ltd The Federal Bank Ltd Indian Bank Coforge Ltd Fortis Healthcare Ltd Glenmark Pharmaceuticals Ltd Ipca Laboratories Ltd
   Fund Managers	Chirag Setalvad Dhruv Muchhal
   Fund Type	Open-ended

   

3. 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	₹ 32.79 (as on 10th December, 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: 98.59%, Others: 1.41%
   Top Sectors	Energy & Utilities Consumer Discretionary Industrials Diversified Financial Healthcare Materials Real Estate Technology
   Top Holdings	Zomato Ltd Bharat Electronics Ltd Bajaj Finance Ltd PTC Industries Ltd Muthoot Finance Ltd CG Power & Industrial Solutions Ltd Waaree Energies Ltd. Multi Commodity Exchange Of India Ltd Apar Industries Ltd Cholamandalam Investment & Finance Company Ltd
   Fund Managers	Atul Mehra Sunil Sawant Rakesh Shetty Ajay Khandelwal
   Fund Type	Open-ended

4. SBI ELSS Tax Saver Fund Regular-Growth

   Investment objective: The prime objective of the scheme is to deliver the benefit of investment in a portfolio of equity shares, while offering deduction on such investment made in the scheme under section 80C of the Income-tax Act, 1961. It also seeks to distribute income periodically depending on distributable surplus. However, there is no guarantee or assurance that the investment objective of the scheme will be achieved or that it will assure any returns.

   Parameters	Details
   Fund Name	SBI ELSS Tax Saver Fund Regular -Growth
   NAV	₹ 444.25 (as on 10th December, 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: 92.7%, Debt: 0.12%, Others: 7.18%
   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 Mahindra & Mahindra Ltd ITC Ltd State Bank of India Axis Bank Ltd
   Fund Managers	NA
   Fund Type	Open-ended

5. Nippon India Small Cap Fund-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 - Growth
   NAV	₹ 163.44 (as on 10th December, 2025)
   AUM	₹65,922.00 Crs
   Expense Ratio	1.4%
   Return 5 Years	32.35%
   Return 10 Years	20.6%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	16th September, 2010
   Asset Allocation	Equity: 95.85%, Debt: 0%, Others: 4.15%
   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 State Bank of India Karur Vysya Bank Ltd Kirloskar Brothers Ltd Paradeep Phosphates Ltd Bharat Heavy Electricals Ltd Apar Industries Ltd Elantas Beck India Ltd
   Fund Managers	NA
   Fund Type	Open-ended

6. Quant Small Cap Fund-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-Growth
   NAV	₹ 249.69 (as on 10th December, 2025)
   AUM	₹29,462.70 Crs
   Expense Ratio	1.59%
   Return 5 Years	33.42%
   Return 10 Years	19.42%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	24th November, 1996
   Asset Allocation	Equity: 95.66%, Debt: 0.61%, Others: 3.73%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	Reliance Industries Ltd Repo Jio Financial Services Limited RBL Bank Ltd Aegis Logistics Ltd Adani Power Ltd MIDCAPNIFTY 30/12/2025 Bikaji Foods International Ltd Anand Rathi Wealth Ltd Aster DM Healthcare Ltd
   Fund Managers	Sanjeev Sharma Ankit A Pande Sandeep Tandon Varun Pattani Ayusha Kumbhat Sameer Kate Yug Tibrewal
   Fund Type	Open-ended

   

7. SBI PSU Fund-Growth

   Investment objective: The objective is to provide long-term capital appreciation and liquidity by actively managing investments in equity stocks of domestic Public Sector Undertakings (PSUs) and their subsidiaries, alongside debt and money market instruments issued by PSUs and other entities.

   Parameters	Details
   Fund Name	SBI PSU Fund-Growth
   NAV	₹ 32.67 (as on 10th December, 2025)
   AUM	₹5,278.16 Crs
   Expense Ratio	1.86%
   Return 5 Years	32.69%
   Return 10 Years	13.87%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	7th July, 2010
   Asset Allocation	Equity: 96.04%, Debt: 0.08%, Others: 3.88%
   Top Sectors	Industrials Energy & Utilities Financial Materials
   Top Holdings	State Bank of India Bharat Electronics Ltd NTPC Ltd Power Grid Corporation of India Ltd GAIL (India) Ltd Bharat Petroleum Corporation Ltd Bank Of Baroda Repo NMDC Ltd Indian Bank
   Fund Managers	NA
   Fund Type	Open-ended

8. Franklin India Opportunities Fund Regular-Growth

   Investment objective: The fund aims to generate capital appreciation by investing in opportunities presented by special situations such as corporate restructuring, government policy or regulatory changes, and companies facing temporary unique challenges.

   Parameters	Details
   Fund Name	Franklin India Opportunities Fund Regular-Growth
   NAV	₹ 255.22 (as on 11th December, 2025)
   AUM	₹7,375.63 Crs
   Expense Ratio	1.76%
   Return 5 Years	28.09%
   Return 10 Years	16.52%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	21st February, 2000
   Asset Allocation	Equity: 95.35%, Debt: 0.3%, Others: 4.35%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Real Estate Financial Healthcare Materials Technology
   Top Holdings	Cash/Net Current Assets Axis Bank Ltd State Bank of India HDFC Bank Ltd Reliance Industries Ltd Zomato Ltd Amphenol Corp Forgn. Eq (APH) Maruti Suzuki India Ltd Mphasis Ltd Bharti Airtel Ltd
   Fund Managers	R Janakiraman Sandeep Manam Kiran Sebastian
   Fund Type	Open-ended

9. HDFC Focused Fund Regular-Growth

   Investment objective: This fund seeks to generate long-term capital appreciation or income by investing in equity and equity-related instruments of up to 30 companies, focusing on a concentrated portfolio.

   Parameters	Details
   Fund Name	HDFC Focused Fund Regular-Growth
   NAV	₹ 236.37 (as on 10th December, 2025)
   AUM	₹21,456.24 Crs
   Expense Ratio	1.62%
   Return 5 Years	28.66%
   Return 10 Years	14.74%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	17th September, 2004
   Asset Allocation	Equity: 84.07%, Debt: 0.2%, Others: 13.87%
   Top Sectors	Consumer Discretionary Industrials Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Repo ICICI Bank Ltd HDFC Bank Ltd Axis Bank Ltd State Bank of India HCL Technologies Ltd Kotak Mahindra Bank Ltd Maruti Suzuki India Ltd Cipla Ltd SBI Life Insurance Company Ltd
   Fund Managers	Roshi Jain Dhruv Muchhal
   Fund Type	Open-ended

10. ICICI Prudential India Opportunities Fund - Growth

    Investment objective: The objective is to generate long-term capital appreciation by investing in opportunities presented by special situations such as corporate restructuring and other unique market conditions.

    Parameters	Details
    Fund Name	ICICI Prudential India Opportunities Fund - Growth
    NAV	₹ 37.20 (as on 10th December, 2025)
    AUM	₹29,718.06 Crs
    Expense Ratio	1.58%
    Return 5 Years	32.09%
    Return 10 Years	N/A
    Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
    Risk Level	Principal at very high risk
    Launch Date	15th January, 2019
    Asset Allocation	Equity: 93.59%, Debt: 0.76%, Others: 5.65%
    Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
    Top Holdings	Infosys Ltd Axis Bank Ltd ICICI Bank Ltd Repo Sun Pharmaceutical Industries Ltd Reliance Industries Ltd Larsen & Toubro Ltd State Bank of India HDFC Bank Ltd NTPC Ltd
    Fund Managers	Divya Jain Sankaran Naren Roshan Chutkey Sharmila D'Silva
    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

/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

Years

• 1
• 2
• 3
• 4
• 6
• 7
• 8
• 9
• 11
• 12
• 13
• 14
• 16
• 17
• 18
• 19
• 21
• 22
• 23
• 24
• 26
• 27
• 28
• 29
• 31
• 32
• 33
• 34
• 36
• 37
• 38
• 39
• 40

Expected return Pro Tip

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

% Annually

• 1
• 2
• 3
• 4
• 6
• 7
• 8
• 9
• 11
• 12
• 13
• 14
• 16
• 17
• 18
• 19
• 21
• 22
• 23
• 24
• 26
• 27
• 28
• 30

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

Years

• 1
• 2
• 3
• 4
• 6
• 7
• 8
• 9
• 11
• 12
• 13
• 14
• 16
• 17
• 18
• 19
• 21
• 22
• 23
• 24
• 26
• 27
• 28
• 29
• 31
• 32
• 33
• 34
• 36
• 37
• 38
• 39
• 40

Expected return Pro Tip

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

% Annually

• 1
• 2
• 3
• 4
• 6
• 7
• 8
• 9
• 11
• 12
• 13
• 14
• 16
• 17
• 18
• 19
• 21
• 22
• 23
• 24
• 26
• 27
• 28
• 30

Monthly Investment ₹22.4 L

View Plans

Top Funds with High Returns (Past 7 Years)

13.14%

Equity Pension

15.49%

Global Equity Index Funds Strategy

19.07%

High Growth Fund

13.4%

Opportunities Fund

20.92%

Multi Cap Fund

14.34%

Accelerator Mid-Cap Fund II

15.75%

Multiplier

14.7%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

11.43%

Growth Plus Fund

14.8%

US Equity Fund

15.18%

Growth Opportunities Plus Fund

11.82%

Equity Top 250 Fund

14.24%

Future Apex Fund

12.18%

Pension Dynamic Equity Fund

14.6%

Pension Enhanced Equity

People Also Read: SWP Calculator

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.