10000 SIP for 5 Years

Examples of 10000 SIP for 5 Years

These examples illustrate how choosing the best SIP plans can cater to various financial goals, whether it's saving for a down payment on a home, funding higher education, or building a retirement corpus. By tailoring investments to their goals and risk tolerance, individuals can pave the way to financial success.

Example 1: Large-Cap Fund

Scenario: A 35-year-old professional aiming for stable and consistent growth chooses a large-cap fund.

• Monthly SIP Amount: ₹10,000
• Investment Period: 5 years
• Fund Type: Large Cap
• Annualised Returns: 10% CAGR (Assumed)
• Outcome: In 5 years, the investment could grow to approximately ₹7.72 lakhs. This amount can be used for a down payment on a home, funding a wedding, or building an emergency fund.

Example 2: Mid-Cap Fund

Scenario: A 30-year-old individual seeking a balance between growth and risk invests in a mid-cap fund.

• Monthly SIP Amount: ₹10,000
• Investment Period: 5 years
• Fund Type: Mid Cap
• Annualised Returns: 12% CAGR (Assumed)
• Outcome: In 5 years, the investment could grow to approximately ₹8.11 lakhs. This corpus can be used for a down payment on a home, funding higher education for children, or starting a retirement fund.

Example 3: Small-Cap Fund

Scenario: A 28-year-old investor with a higher risk appetite and a longer investment horizon chooses a small-cap fund.

• Monthly SIP Amount: ₹10,000
• Investment Period: 5 years
• Fund Type: Small Cap
• Annualised Returns: 15% CAGR (Assumed)
• Outcome: In 5 years, the investment could grow to approximately ₹8.73 lakhs (Calculated using SIP online calculator). This amount can be used for long-term financial goals like retirement, children's education, or business ventures.

Which Type of Fund to Choose Based on Risk Appetite?

You can choose your investment fund based on the following criteria, as per your risk appetite:

1. Low Risk (Goal: Preserve Capital)

   If your main priority is to protect your money and avoid big ups and downs, you should choose ultra-short-term funds, short-duration debt funds, or conservative hybrid funds. These funds prioritise safety over high returns. You can expect moderate growth, usually in the range of 4% to 7% per year.

2. Medium Risk (Goal: Balanced Growth + Some Stability)

   If you want steady growth along with some stability, balanced advantage funds, hybrid equity funds, or large-cap funds are good options. These funds aim to maintain a balance between equity for growth and debt for stability. Over five years, you can expect returns in the range of 6% to 10% depending on market conditions.

3. High Risk (Goal: Maximise Growth, Accept Volatility)

   If your goal is to aim for high growth and you are comfortable with market ups and downs, you can choose mid-cap funds, small-cap funds, or sector-focused funds. These funds can deliver high returns when markets perform well, but they can also decline sharply during tough periods. Over five years, returns may be high, but there is also a chance of negative performance.

Best Hybrid Funds to Invest ₹10000 SIP for 5 Years 

Details of the Best SIP Plans to Invest ₹10000 per Month for 5 Years

1. ICICI Prudential Equity & Debt Fund -Growth

   This fund tries to grow your wealth over the long term while also offering some steady income. It mainly invests in equities for higher growth and adds some debt and money market instruments to keep the portfolio stable and balanced.

   Parameters	Details
   Fund Name	ICICI Prudential Equity & Debt Fund -Growth
   NAV	₹ 399.45 (as on 21st January, 2026)
   AUM	₹44,605.00 Crs
   Expense Ratio	1.55%
   Return 5 Years	26.37%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	3rd November, 1999
   Asset Allocation	Equity: 73.55%, Debt: 17.17%, Others: 7.12%
   Top Sectors	Consumer Staples Consumer Discretionary Industrials Diversified Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	ICICI Bank Ltd Reliance Industries Ltd NTPC Ltd Sun Pharmaceutical Industries Ltd Maruti Suzuki India Ltd Cash Margin HDFC Bank Ltd Axis Bank Ltd Infosys Ltd TVS Motor Company Ltd
   Fund Managers	Sankaran Naren Manish Banthia Mittul Kalawadia Sri Sharma Akhil Kakkar Sharmila D'Silva Nitya Mishra
   Fund Type	Open-ended

   
   
   

2. UTI Aggressive Hybrid Fund Regular Plan - Growth

   The fund focuses on long-term wealth creation by investing mostly in equities across large-cap, mid-cap, and small-cap companies. It also puts a part of the money into debt and money market instruments to provide regular income and lower overall risk.

   Parameters	Details
   Fund Name	UTI Aggressive Hybrid Fund Regular Plan-Growth
   NAV	₹ 407.42 (as on 21st January, 2026)
   AUM	₹6,422.41 Crs
   Expense Ratio	1.87%
   Return 5 Years	19.54%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
   Risk Level	Principal at very high risk
   Launch Date	NA
   Asset Allocation	Equity: 69.03%, Debt: 24.7%, Others: 2.83%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	HDFC Bank Ltd ICICI Bank Ltd Infosys Ltd GOVERNMENT OF INDIA 35152 GOI 18NV39 6.92 FV RS 100 Reliance Industries Ltd ITC Ltd Net Current Assets GOI Sec 7.23 15/04/2039 GOVERNMENT OF INDIA 35943 GOI 05MY35 6.33 FV RS 100 GOI Sec 7.18 24/07/2037
   Fund Managers	V Srivatsa Sunil Madhukar Patil
   Fund Type	Open-ended

3. Nippon India Aggressive Hybrid Fund - Growth

   This fund aims to build long-term capital appreciation by investing largely in equity and equity-related instruments. A smaller part is invested in debt and money market securities to bring stability and steady income to the portfolio.

   Parameters	Details
   Fund Name	Nippon India Aggressive Hybrid Fund -Growth
   NAV	₹ 104.35 (as on 21st January, 2026)
   AUM	₹3,936.34 Crs
   Expense Ratio	1.96%
   Return 5 Years	18.75%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹500
   Risk Level	Principal at very high risk
   Launch Date	8th June, 2005
   Asset Allocation	Equity: 72.24%, Debt: 18.98%, Others: 3.16%
   Top Sectors	Diversified Real Estate Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	HDFC Bank Ltd ICICI Bank Ltd Repo Larsen & Toubro Ltd Bharti Airtel Ltd Reliance Industries Ltd Axis Bank Ltd Infosys Ltd State Bank of India NTPC Ltd
   Fund Managers	Meenakshi Dawar Sushil Budhia
   Fund Type	Open-ended

4. Kotak Aggressive Hybrid Fund Regular - Growth

   The scheme looks for long-term growth by keeping a higher share of the investment in equities and the remaining portion in debt. The equity allocation helps with wealth creation, while the debt portion reduces volatility and provides income.

   Parameters	Details
   Fund Name	Kotak Aggressive Hybrid Fund Regular-Growth
   NAV	₹ 61.11 (as on 21st January, 2026)
   AUM	₹7,864.24 Crs
   Expense Ratio	1.75%
   Return 5 Years	18.9%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	NA
   Asset Allocation	Equity: 78.79%, Debt: 17.37%, Others: 3.56%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	HDFC Bank Ltd GOVERNMENT OF INDIA 34238 GOI 22AP64 7.34 FV RS 100 Repo GOVERNMENT OF INDIA 33071 GOI 19JU53 7.3 FV RS 100 Zomato Ltd Fortis Healthcare Ltd GE T&D India Ltd Bajaj Finance Ltd GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 Reverse Repo
   Fund Managers	Atul Bhole Abhishek Bisen
   Fund Type	Open-ended

5. DSP Aggressive Hybrid Fund Regular - Growth

   This fund aims for long-term capital growth by investing mainly in equities and using debt investments to keep the portfolio balanced. It follows an aggressive hybrid style to benefit from equity market gains while using fixed income to soften market ups and downs.

   Parameters	Details
   Fund Name	DSP Aggressive Hybrid Fund Regular-Growth
   NAV	₹ 352.89 (as on 21st January, 2026)
   AUM	₹11,436.32 Crs
   Expense Ratio	1.72%
   Return 5 Years	16.75%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	27th May, 1999
   Asset Allocation	Equity: 66.98%, Debt: 30%, Others: 2.98%
   Top Sectors	Energy & Utilities Consumer Discretionary Industrials Consumer Staples Financial Healthcare Materials Technology
   Top Holdings	HDFC Bank Ltd GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 ICICI Bank Ltd Reverse Repo Mahindra & Mahindra Ltd Axis Bank Ltd CENTRAL GOVERNMENT LOAN 23277 GOI 22SP33 FLT FV RS 100 Kotak Mahindra Bank Ltd SBI Life Insurance Company Ltd ITC Ltd
   Fund Managers	Shantanu Godambe Abhishek Singh
   Fund Type	Open-ended

6. SBI Equity Hybrid Fund - Growth

   The scheme aims to offer both long-term growth and regular income. It invests around two-thirds or more of its portfolio in equities and the rest in debt and money market instruments to maintain stability and protect against volatility.

   Parameters	Details
   Fund Name	SBI Equity Hybrid Fund-Growth
   NAV	₹ 301.45 (as on 21st January, 2026)
   AUM	₹77,793.99 Crs
   Expense Ratio	1.39%
   Return 5 Years	16.51%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
   Risk Level	Principal at very high risk
   Launch Date	31st December, 1995
   Asset Allocation	Equity: 74.9%, Debt: 20.94%, Others: 3.74%
   Top Sectors	Real Estate Technology Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials
   Top Holdings	HDFC Bank Ltd GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 Repo GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 Bharti Airtel Ltd ICICI Bank Ltd State Bank of India Kotak Mahindra Bank Ltd GOVERNMENT OF INDIA 35943 GOI 05MY35 6.33 FV RS 100 Solar Industries India Ltd
   Fund Managers	Rajeev Radhakrishnan Mansi Sajeja Pradeep Kesavan Rama Iyer Srinivasan
   Fund Type	Open-ended

7. Invesco India Aggressive Hybrid Fund Regular - Growth

   The fund focuses on generating long-term capital growth by investing mostly in equity and equity-related instruments. The remaining portion is placed in debt and money market securities to control risk and add some steady income.

   Parameters	Details
   Fund Name	Invesco India Aggressive Hybrid Fund Regular - Growth
   NAV	₹ 21.94 (as on 21st January, 2026)
   AUM	₹753.70 Crs
   Expense Ratio	2.25%
   Return 5 Years	15.45%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
   Risk Level	Principal at very high risk
   Launch Date	30th June, 2018
   Asset Allocation	Equity: 70.49%, Debt: 23.31%, Others: 6.2%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	Invesco India Low Duration Fund Direct-Growth HDFC Bank Ltd Repo ICICI Bank Ltd Infosys Ltd NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR F24 7.68 BD 30AP29 FVRS1LAC ULTRATECH CEMENT LIMITED SR I 7.34 NCD 03MR28 FVRS1LAC JIO FINANCE LIMITED SR 1 7.19 NCD 15MR28 FVRS1LAC Interglobe Aviation Ltd Mahindra & Mahindra Ltd
   Fund Managers	Krishna Venkat Cheemalapati Hiten Jain
   Fund Type	Open-ended

8. Quant Aggressive Hybrid Fund Regular - Growth

   This fund aims for both income and long-term capital appreciation by investing mainly in equities, with moderate exposure to debt and money market instruments. It uses a model-based, quantitative approach to decide how much to allocate between equity and debt for a better risk–reward balance.

   Parameters	Details
   Fund Name	Quant Aggressive Hybrid Fund Regular-Growth
   NAV	₹ 411.62 (as on 21st January, 2026)
   AUM	₹2,101.23 Crs
   Expense Ratio	2.03%
   Return 5 Years	21.75%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	21st March, 2001
   Asset Allocation	Equity: 72.11%, Debt: 22.32%, Others: 3.76%
   Top Sectors	Healthcare Consumer Discretionary Real Estate Technology Industrials Consumer Staples Energy & Utilities Financial Materials
   Top Holdings	Reliance Industries Ltd Jio Financial Services Limited Adani Power Ltd Larsen & Toubro Ltd Adani Green Energy Ltd Bajaj Auto Ltd Life Insurance Corporation of India Britannia Industries Ltd Repo HDFC Life Insurance Co Ltd
   Fund Managers	Sanjeev Sharma Ankit A Pande Sandeep Tandon Lokesh Garg Varun Pattani Ayusha Kumbhat Sameer Kate Yug Tibrewal
   Fund Type	Open-ended

   
   
   

9. Franklin India Aggressive Hybrid Fund Regular - Growth

   The fund seeks to deliver long-term capital appreciation by investing largely in equities while keeping some portion in debt and money market instruments. This mix helps capture equity growth opportunities while smoothing overall returns.

   Parameters	Details
   Fund Name	Franklin India Aggressive Hybrid Fund Regular-Growth
   NAV	₹ 266.44 (as on 21st January, 2026)
   AUM	₹2,256.09 Crs
   Expense Ratio	2.06%
   Return 5 Years	17.44%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	10th December, 1999
   Asset Allocation	Equity: 70.21%, Debt: 26.56%, Others: 2.48%
   Top Sectors	Financial Healthcare Materials Real Estate Technology Consumer Discretionary Industrials Consumer Staples Energy & Utilities
   Top Holdings	HDFC Bank Ltd ICICI Bank Ltd Cash/Net Current Assets JUBILANT BEVCO LIMITED NCD 31MY28 FVRS1LAC Larsen & Toubro Ltd Bharti Airtel Ltd JUBILANT BEVERAGES LIMITED NCD 31MY28 FVRS1LAC Reliance Industries Ltd Axis Bank Ltd Infosys Ltd
   Fund Managers	Ajay Argal Rajasa Kakulavarapu Sandeep Manam Anuj Tagra Chandni Gupta
   Fund Type	Open-ended

10. HDFC Retirement Savings Fund - Hybrid Equity Plan Direct - Growth

    This retirement-oriented fund aims to build a long-term retirement corpus and provide potential income during retirement. It invests mainly in equities for long-term growth and partly in debt and money market instruments to reduce risk and maintain stability over the years.

    Parameters	Details
    Fund Name	HDFC Retirement Savings Fund - Hybrid Equity Plan Direct-Growth
    NAV	₹ 43.76 (as on 21st January, 2026)
    AUM	₹1,672.73 Crs
    Expense Ratio	0.94%
    Return 5 Years	18.68%
    Minimum Investment	SIP ₹1000 & Lumpsum ₹100
    Risk Level	Principal at very high risk
    Launch Date	25th February, 2016
    Asset Allocation	Equity: 74.06%, Debt: 15.93%, Others: 9.14%
    Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Technology
    Top Holdings	Repo HDFC Bank Ltd ICICI Bank Ltd BAJAJ FINANCE LIMITED 7.93 NCD 02MY34 FVRS1LAC Reliance Industries Ltd Axis Bank Ltd Maruti Suzuki India Ltd State Bank of India Infosys Ltd Bharti Airtel Ltd
    Fund Managers	Shobhit Mehrotra Srinivasan Ramamurthy Dhruv Muchhal Arun Agarwal Nandita Menezes
    Fund Type	Open-ended

SIP Calculator

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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 ₹1.03 Cr

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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)

13.49%

Equity Pension

15.9%

Opportunities Fund

18.4%

High Growth Fund

18.03%

US Growth Fund

21.25%

Multi Cap Fund

14.79%

Accelerator Mid-Cap Fund II

15.9%

Multiplier

15.29%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

11.79%

Growth Plus Fund

14.6%

US Equity Fund

15.78%

Growth Opportunities Plus Fund

12.4%

Equity Top 250 Fund

14.67%

Future Apex Fund

12.64%

Pension Dynamic Equity Fund

14.92%

Pension Enhanced Equity

Why Should You Start Investing Today?

The power of SIPs lies in their simplicity, flexibility, and potential to grow your wealth over time. Starting today, even with a significant monthly amount like ₹10,000, you can create a substantial corpus for your future goals. The earlier you begin, the more time your investments have to compound, maximising returns and reducing the impact of market fluctuations.