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
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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.
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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.
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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.
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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.
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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.
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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
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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.
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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.
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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.
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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.
- Insurance Companies
- Mutual Funds
|
Returns |
| Fund Name |
5 Years |
7 Years |
10 Years |
| SBI Life |
11.41% |
12.84% |
|
| HDFC Life |
19.5% |
16.36% |
|
| Axis Max Life |
29.43% |
23.7% |
|
| ICICI Prudential Life |
15.25% |
- |
|
| Tata AIA Life |
29% |
23.3% |
|
| Bajaj Life |
15.36% |
14.74% |
|
| Birla Sun Life |
19.5% |
16.88% |
|
| PNB MetLife |
31.41% |
24.68% |
|
| Canara HSBC Life |
11.14% |
11.68% |
|
| Star Union Dai-ichi Life |
14.54% |
- |
|
Fund rating powered by
Last updated: Jan 2026
How Does SIP Plans for 10,000 Per Month Work?
A ₹10,000‑per‑month SIP means you invest ₹10,000 every month into a mutual fund (or multiple funds), instead of putting a big lump sum at once. Over time, this builds a large corpus thanks to regular investing + the power of compounding.
How a ₹10,000 SIP actually works
- On a fixed date each month, ₹10,000 is automatically debited from your bank and used to buy units of the chosen mutual‑fund scheme at that day’s NAV (Net Asset Value).
- When the market is low, the same ₹10,000 buys more units; when it is high, it buys fewer units, which averages out your purchase cost (rupee‑cost averaging).
Example
Assuming an average annual return of about 12%, a ₹10,000 monthly SIP can roughly become:
| Tenure |
Total invested (₹) |
Approximate value* (₹) |
| 5 years |
6,00,000 |
8,00,000–8,50,000 |
| 10 years |
12,00,000 |
20,00,000–22,00,000 |
| 15 years |
18,00,000 |
45,00,000–50,00,000 |
| 20 years |
24,00,000 |
85,00,000–95,00,000 |
*These are illustrative figures; actual returns depend on the fund and market performance. You can calculate your returns using an SIP calculator. It allows you to test out various scenarios.
SIP Calculator
Monthly Investment
₹22.4 L
Top Funds with High Returns (Past 7 Years)
13.45%
Equity Pension
16.3%
Global Blue Chip Anchor Strategy
18.4%
High Growth Fund
18.03%
US Growth Fund
21.29%
Multi Cap Fund
14.84%
Accelerator Mid-Cap Fund II
15.9%
Multiplier
15.14%
Frontline Equity Fund
18.41%
Pension Mid Cap Fund
11.67%
Equity II Fund
14.6%
US Equity Fund
15.74%
Growth Opportunities Plus Fund
12.21%
Equity Top 250 Fund
14.59%
Future Apex Fund
12.58%
Pension Dynamic Equity Fund
14.86%
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.
