A systematic investment plan allows you to invest a monthly sum in a single type of fund, be it equity, debt, gold, etc. You can choose to diversify by investing in different types to balance out the risk. A key advantage of SIPs is that you can monitor how the funds are performing based on which you can either increase or decrease the amount of investment. However, in order to enjoy higher returns, you should ideally stay invested for a minimum of 5 years.
Here is a look at a mix of equity and debt funds that you can explore to start a monthly SIP of Rs. 5000. Note that the returns keep changing based on how each fund is performing.
Best Funds for 5000 Monthly SIP Investment≈
Disclaimer: ≈ Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is done in alphabetical order (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
SIP Calculator
Monthly Investment
₹22.4 L
Top Funds with High Returns (Past 7 Years)
12.56%
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
14.49%
Accelerator Mid-Cap Fund II
15.7%
Multiplier
14.33%
Frontline Equity Fund
18.41%
Pension Mid Cap Fund
11.03%
Growth Plus Fund
13.87%
US Equity Fund
14.68%
Growth Opportunities Plus Fund
11.57%
Equity Top 250 Fund
13.66%
Future Apex Fund
11.44%
Pension Dynamic Equity Fund
13.98%
Accelerator Fund
Category-wise SIP Details
Plans should be opted for by assessing how much risk you are willing to take and what goals you are trying to accomplish. The following sections offer deeper insight into the different categories to help you choose the best monthly SIP plans for Rs. 5000.
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Equity Funds
Equity funds are those that invest in stocks and shares of a company. Depending on the performance of the company, the value of the funds goes up or down. This difference is what determines your returns at the base level.
Equity Sectoral / Thematic
Sectoral / thematic funds invest in the stocks of companies belonging to a particular niche such as technology, pharma, infrastructure, etc. A monthly SIP of Rs. 5000 in each of these funds for at least 3 years can increase your investment of Rs. 1.8 Lakhs to over Rs. 3 Lakhs.
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Tata Digital India Fund - This fund also invests in the shares of companies in the IT sector. Its 3-year annualized return is 28.87%. A monthly SIP of Rs. 5000 in this fund for 3 years would have become around Rs. 2.76 lakhs from Rs. 1.8 Lakhs. These values will keep changing, so you should keep a track of all your SIP funds.
Equity Funds by Market Capitalization
Funds that invest in the equities of large companies (ranking in the top 100 per SEBI guidelines) are large cap funds. Similarly, small cap funds are those that invest in companies ranking above 250. Mid-cap funds fall in the range between. The greater the market capitalization of a company, the more likely it is to get steady consistent returns.
- Insurance Companies
- Mutual Funds
|
Returns |
| Fund Name |
5 Years |
7 Years |
10 Years |
| SBI Life |
17.08% |
14.67% |
|
| HDFC Life |
21.9% |
17.25% |
|
| Axis Max Life |
29.3% |
22.69% |
|
| ICICI Prudential Life |
20.5% |
- |
|
| Tata AIA Life |
26.08% |
23.7% |
|
| Bajaj Life |
21.05% |
15.21% |
|
| Birla Sun Life |
23.34% |
17.68% |
|
| PNB MetLife |
34.5% |
- |
|
| Canara HSBC Life |
15.59% |
12.97% |
|
| Star Union Dai-ichi Life |
14.69% |
- |
|
Fund rating powered by
Last updated: Sep 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
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Tax Saving Funds
These are primarily equity-based investments, however, these come with tax benefits under section 80C of the Income Tax Act, 1961. A monthly SIP of Rs. 5000 in such funds can help you save on taxes on the extra income earned through the returns on investments.
Equity ELSS
Disclaimer - The tax benefit is subject to changes in tax laws. *Standard T&C Apply
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Debt Funds
Debt funds are low-risk in nature, and subsequently, the returns are lower than equity instruments. Ideally, investors should split their SIP investments into both equity and debt to generate decent returns while erring on the side of caution. A monthly SIP of Rs. 5000 in such funds will offer returns in the range of 7% to 8%.
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