List of Best SIP Plans for 5000 Per Month
Below is the table showing the best SIP plans in which you can invest 5000 per month:
Details of the Best SIP Plan for 5000 Per Month
Below are the details of SIPs for 5000 per month:
-
Parag Parikh Flexi Cap Fund Regular-Growth
-
HDFC Balanced Advantage Fund Regular-Growth
-
SBI Equity Hybrid Fund-Growth
-
ICICI Prudential Large Cap Fund-Growth
-
Nippon India Small Cap Fund - Growth
-
Kotak Midcap Fund Regular-Growth
- Insurance Companies
- Mutual Funds
|
Returns |
| Fund Name |
5 Years |
7 Years |
10 Years |
| SBI Life |
11.44% |
12.7% |
|
| HDFC Life |
19.5% |
16.35% |
|
| Axis Max Life |
29.43% |
23.7% |
|
| ICICI Prudential Life |
15.25% |
- |
|
| Tata AIA Life |
29% |
23.3% |
|
| Bajaj Life |
15.28% |
14.61% |
|
| Birla Sun Life |
19.5% |
16.73% |
|
| PNB MetLife |
31.41% |
24.68% |
|
| Canara HSBC Life |
11.1% |
11.65% |
|
| Star Union Dai-ichi Life |
14.54% |
- |
|
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Last updated: Jan 2026
How Does the Best SIP Plan for 5000 Per Month Work?
- You commit to investing ₹5000 every month in selected mutual funds.
- The investment amount is automatically debited from your bank account at regular intervals (usually monthly).
- Each month, based on the Net Asset Value (NAV) of the fund, you get units of the mutual fund. When NAV is low, you get more units; when NAV is high, you get fewer units. This averages your purchase cost over time.
- Staying invested for longer periods (5, 10, 20 years) benefits from compounding, potentially growing your investment significantly. For example, ₹5000 monthly for 20 years at 12% returns can grow to over ₹45 lakh.
- You can choose different types of SIPs such as regular SIP (fixed amount), flexible SIP (adjust amount as per financial condition), or step-up SIP (increase SIP amount periodically).
For example:
Suppose you invest ₹5000 every month in a mutual fund SIP that offers an average annual return of 12%. You stay invested for 5 years (60 months).
- The monthly return rate is about 0.95% (calculated from the annual 12%).
- Each month, your ₹5000 buys units of the mutual fund, and the amount invested grows with time.
- After 5 years, your total invested amount would be ₹300,000 (₹5000 x 60 months).
- Using the SIP calculator, the future value of your investment, including compounding returns, could grow to approximately ₹4.06L.
This example shows how regular monthly investments, combined with market returns and compounding over time, can create substantial wealth even with a modest monthly SIP amount.
SIP Calculator
Monthly Investment
₹22.4 L
Top Funds with High Returns (Past 7 Years)
13.47%
Equity Pension
16.3%
Global Blue Chip Anchor Strategy
18.4%
High Growth Fund
18.03%
US Growth Fund
21.27%
Multi Cap Fund
14.79%
Accelerator Mid-Cap Fund II
15.9%
Multiplier
15.14%
Frontline Equity Fund
18.41%
Pension Mid Cap Fund
11.78%
Growth Plus Fund
14.6%
US Equity Fund
15.75%
Growth Opportunities Plus Fund
12.24%
Equity Top 250 Fund
14.6%
Future Apex Fund
12.61%
Pension Dynamic Equity Fund
14.87%
Accelerator Fund
Things to Consider While Investing in the Best SIP for 5000 Per Month
- Choose mutual funds with a strong track record of consistent performance, suitable for your risk appetite.
- Diversify across different sectors and fund types such as equity, hybrid, or debt funds to manage risk effectively.
- Clearly define your financial goal, whether it's retirement, wealth creation, or education.
- Longer investment horizons (minimum 5-10 years) tend to benefit from power of compounding and market volatility smoothing.
- Assess your risk tolerance. Equity funds are more volatile but offer higher returns over the long term, while debt funds are comparatively safer but with lower returns.
- Look for funds with reasonable expense ratios, as high fees can erode your returns over time.
- Use facilities like auto-debit and systematic review to stay committed.
- Understand tax implications on your returns, especially with debt and equity funds, to optimize after-tax gains.
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