Aditya Birla SIP

Aditya Birla SIP (Systematic Investment Plan) is one of the preferable routes to enter the Mutual Fund^^ market. It offers various plans to the investor to accumulate significant wealth in long-term planning. An investor may start it earlier at a young age and generate a substantial sum in 10 to 20 years. Aditya Birla SIP is an excellent and efficient financial tool that allows investors to invest a specific amount in a stipulated time.

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SIP Benefits
Start SIP with as low as ₹1000
Start SIP with as low as ₹1000
No hidden charges
No hidden charges
Save upto ₹46,800 in Tax
Save upto ₹46,800 in Taxunder section 80 C
Zero LTCG Tax
Zero LTCG Tax^ (Unlike 10% in Mutual Funds)
Disciplined & worry-free investing
Disciplined & worry-free investing

  • Insurance Companies
  • Mutual Funds
Returns
Fund Name 3 Years 5 Years 10 Years
Top 200 Fund Tata AIA 26.72% 27.01%
20.76%
View Plan
Virtue II PNB Metlife 24.45% 22.83%
18.66%
View Plan
Pure Equity Birla Sun Life 23.41% 19.4%
17.94%
View Plan
Growth Opportunities Plus Fund Bharti AXA 20.27% 18.65%
17.15%
View Plan
Pure Stock Fund Bajaj Allianz 19.12% 17.41%
16.85%
View Plan
Blue Chip Fund HDFC Standard 16.13% 14.55%
14.23%
View Plan
Growth Super Fund Max Life 16.37% 15.04%
14.01%
View Plan
Multi Cap Growth Fund ICICI Prudential 17.36% 13.61%
13.57%
View Plan
Equity Fund SBI 16.9% 14.63%
13.5%
View Plan
Equity II Fund Canara HSBC Oriental Bank 15.99% 12.31%
11.69%
View Plan

Updated as of Apr 2024

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  Returns
Fund Name 5 Years 10 Years RSI
Active Fund QUANT 27.80% 23.96%
21.08%
Large and Mid Cap Fund QUANT 23.27% 22.69%
19.64%
Flexi Cap Fund PARAG PARIKH 23.90% 20.22%
20.15%
Large and Mid Cap Fund EDELWEISS 20.32% 18.01%
16.76%
Equity Opportunities Fund KOTAK 20.22% 18.98%
17.44%
Large and Midcap Fund MIRAE ASSET 21.11% 24.56%
23.01%
Flexi Cap Fund PGIM INDIA 21.48% -
15.13%
Flexi Cap Fund DSP 19.48% 17.73%
15.82%
Emerging Equities Fund CANARA ROBECO 18.91% 22.92%
20.84%
Focused fund SUNDARAM 18.22% 16.55%
15.16%

Updated as of Apr 2024

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The period or frequency of making an investment could be decided by the investor. Therefore, the investor may select the prescribed interval in order to pay the premium monthly, quarterly, or annually. Howsoever, the investor must be consistent and disciplined while making the investment at a stipulated time. Further, the investor must approach the proper scheme of Aditya Birla SIP plans to beat inflation and build a considerable amount in long-term planning.

List of Aditya Birla Mutual Funds in India

Aditya Birla Sun Life Funds Risk Returns (1 year) Category Fund Size
Asset Allocator FoF Fund High 2.90% Other Rs. 159 cr
Balanced Advantage Fund Very High 5.30% Hybrid Rs. 6,707 cr
Banking & PSU Debt Fund Moderate 4.30% Debt Rs. 8,030 cr
Corporate Bond Fund Moderate 4.60% Debt Rs. 12,603 cr
Dynamic Bond Retail Fund Moderate 7.10% Debt Rs. 1,779 cr
Financial Planning FoF Conservative Plan Fund Moderately High 5.00% Other Rs. 14 cr
Floating Rate Direct Fund Low to Moderate 5.20% Debt Rs. 13,015 cr
Income Fund Moderate 3.50% Debt Rs. 1,515 cr
Low Duration Fund Moderate 5.30% Debt Rs. 11,774 cr
Short Term Direct Fund Moderate 5.10% Debt Rs. 5,007 cr

Disclaimer: Policybazaar does not endorse, rate, or recommend any particular company or product. The policyholder bears the investment risk in the investment portfolio.

Let us discuss some benefits of Aditya Birla SIP, which an investor may avail of while purchasing a plan.

  1. Choice

    It is at the discretion of the investor how much he wishes to invest in a month or quarter, or year. There are multiple varieties of plans which Aditya Birla SIP offers to investors. The amount of each plan varies from a sum of low to a high premium. Hence, the investor may consider starting with INR 500 per month and can conveniently watch the growth of the SIP.

  2. Rupee Cost Averaging

    Like other SIP investment plans, Aditya Birla SIP also offers investors to take advantage of rupee cost averaging. With this benefit, an investor may buy as many units as he wishes if the market is low, while he may choose to buy less if the market is high. It may be called the inherent feature of SIP, where an investor gets an opportunity to buy more units in order to reduce the cost of investment and gain high returns.

  3. Flexibility

    The Aditya Birla SIP offers its investors the flexibility of choice, investments, and withdrawal. Unlike Public Provident Fund (PPF) or Unit Linked Insurance Plan (ULIP), the Aditya Birla SIP has no fixed tenure or a lock-in period. Therefore, the investors may, if they deem fit, make the withdrawal of either partial or full investment funds from the SIP plan without incurring any losses. The investment amount is also flexible. As per their income, the investors may start with a low premium and increase it gradually to accumulate significant wealth. Hence, the Aditya Birla SIP makes wealth creation easier for investors.

  4. Significant Return

    The Aditya Birla SIP returns are significant compared to other traditional fixed deposit plans. In addition, the return on Aditya Birla SIP investment helps the investor beat the inflation rate by providing double Aditya Birla SIP return compared to conventional plans.

  5. Power of Compounding

    Under Aditya Birla SIP plans, an investor may realize the power of compounding by investing on a monthly, quarterly, or annual basis. Unlike a one-time investment plan, a small or significant amount invested under the Aditya Birla SIP plan fetches a better return on the investment. The returns grow consistently as the investor invests the premium continuously. For example, an investor may accumulate INR 1 crore in 15 years if he consistently invests INR 15,000 per month at an annual interest of 15 percent. An SIP calculator online tool is very useful in getting the estimate value of SIP returns that can be earned.

Let us understand how a new customer or investor may start investing in SIP in four easy steps.

  1. Visit SIP Tool

    In the first step, an investor is required to select the SIP amount he wishes to invest. The amount varies from scheme to scheme. Hence, it is first necessary to choose one category of SIP from other Aditya Birla SIP categories.

  2. Scheme

    A category of Aditya Birla SIP comprises different types of schemes. Therefore, an investor must choose the best scheme he deems fit to fulfill his financial goal. Thus, before investing in the SIP plan, the investor must identify his investment potential and economic purpose for wealth creation.

  3. Application form

    An investor can then fill out the application form either online or offline. The form may be filled out offline by downloading it from the Aditya Birla capital website.

  4. Submission of Form

    In the fourth step, an investor is required to make submission of the application form to the nearest branch location to start the SIP.

However, an investor must keep the following things in mind before planning to invest in Aditya Birla SIP. 

  1. Right Scheme

    The investor must select a suitable scheme for Aditya Birla SIP, which is coherent with his financial goals. In addition, he must compare the scheme with other Aditya Birla SIPs plans since the company offers several different SIP Plans.

  2. Financial Institution

    It is imperative to contact the financial institution in order to fill out the requisite forms and complete the documentation for the KYC.

  3. Investment

    The investor should start investing after completing his research. He must check for the past year's return on the Aditya Birla SIPs returns and should start investing at an early age.

Conclusion

Individuals make different plans to accumulate significant wealth for retirement or meet financial requirements. However, wealth cannot be created in a day or month. In addition, one can only accumulate substantial wealth in the long term with intelligent planning. Therefore, the investor must plan smartly for the efficient growth of the fund. The Aditya Birla SIP has every means to generate considerable funds in the long run, provided the investor must be consistent in his investment. He must be disciplined in choosing the right category and proper scheme as per his financial goal. The power of compounding is one of the best features of SIP, which can generate INR 10 to 20 crores in the long run and make the investor millionaire or multi-crorepati.

FAQ's

  • What are the available dates to purchase SIP in order to get significant Aditya Birla SIP returns online?

    The SIPs can be purchased on any day of the month; however, the good days to buy the SIPs are the 1st, 7th, 10th, 15th, 20th, and 28th days of every month.
  • How can SIP be considered an intelligent choice?

    Investing in the Aditya Birla SIP is considered a wise choice since the plan helps the investors compound their wealth. It is acknowledged that an early start plus regular investment leads to creating significant wealth. Further, it also inculcates financial discipline within the investors.
  • What are some best Aditya Birla SIP mutual funds under equities?

    Listed below are some of the best Aditya Birla SIP Mutual funds under equities.
    • Aditya Birla Sun Life Digital India Fund
    • Aditya Birla Sun Life Infrastructure Fund
    • Aditya Birla Sun Life Dividend Yield Fund Small Cap Fund
    • Aditya Birla Sun Life Midcap Fund
    • Aditya Birla Sun Life Pure Value Fund
    • Aditya Birla Sun Life India GenNext Fund
    • Aditya Birla Sun Life Commodity Equities Fund - Global Agri Plan
    • Aditya Birla Sun Life Frontline Equity Fund
    • Aditya Birla Sun Life Equity Fund
  • Do I need to have a thorough knowledge of a market in order to invest in SIPs?

    Unlike a one-time investment plan or another conventional and modern investment plan, the investor is not required to have a thorough knowledge of the market since SIP is a simple plan. But it is beneficial to get the better idea of best SIP plans in the market before investing.

+For Mutual Fund midcap category Returns https://www.morningstar.in/tools/mutual-fund-category-performance.aspx & for Insurance midcap fund category Returns- https://www.morningstar.in/tools/insurance-fund-category-performance.aspx
*Past 10 Year annualised returns as on 01-12-2023
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

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