Best Mutual Funds to Invest in SIP in 2026

Investing in mutual funds through a Systematic Investment Plan (SIP) is a disciplined way to build wealth over time, regardless of market volatility. SIPs allow you to invest a fixed amount regularly, making it easier to achieve long-term financial goals. The best mutual funds for SIP in 2026 include top-performing equity, debt, and hybrid funds, offering high returns and catering to different risk profiles. Choosing the right SIP fund depends on your investment horizon and risk appetite.

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SIP Plan 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 80C^
Zero LTCG Tax
Zero LTCG Tax
Disciplined & worry-free investing
Disciplined & worry free investing

Best SIP Funds

Tax Saving FundsLarge Cap Low Return FundsMid Cap Mid Return FundsMulti CapDebt FundsShariah FundsBalanced Funds
Payment Mode
Invest
₹ 10,000
Invest for
AUM (Cr)

₹11,620

NAV

₹145.69

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 16.35 17.97 16.94 %

View Fund
Instant tax receipt
AUM (Cr)

₹2,687

NAV

₹67.21

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.49 14.78 14.66 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,237

NAV

₹63.94

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.33 15.22 14.41 %

View Fund
Instant tax receipt
AUM (Cr)

₹35,377

NAV

₹70.86

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.4 14.07 14.02 %

View Fund
Instant tax receipt
AUM (Cr)

₹446

NAV

₹63.65

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 10.93 12.69 13.96 %

View Fund
Instant tax receipt
AUM (Cr)

₹4,837

NAV

₹63.81

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.89 13.57 13.7 %

View Fund
Instant tax receipt
AUM (Cr)

₹5,458

NAV

₹73.89

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.09 12.31 13.59 %

View Fund
Instant tax receipt
AUM (Cr)

₹219

NAV

₹45.14

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.57 13.47 13.26 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,598

NAV

₹38.59

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 10.56 11.97 13.15 %

View Fund
Instant tax receipt
AUM (Cr)

₹12,241

NAV

₹75.26

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.86 11.13 12.35 %

View Fund
Instant tax receipt
AUM (Cr)

₹2,687

NAV

₹67.21

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.49 14.78 14.66 %

View Fund
AUM (Cr)

₹3,237

NAV

₹63.94

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.33 15.22 14.41 %

View Fund
AUM (Cr)

₹446

NAV

₹63.65

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 10.93 12.69 13.96 %

View Fund
AUM (Cr)

₹4,837

NAV

₹63.81

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.89 13.57 13.7 %

View Fund
AUM (Cr)

₹219

NAV

₹45.14

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.57 13.47 13.26 %

View Fund
AUM (Cr)

₹3,598

NAV

₹38.59

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 10.56 11.97 13.15 %

View Fund
AUM (Cr)

₹12,241

NAV

₹75.26

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.86 11.13 12.35 %

View Fund
AUM (Cr)

₹965

NAV

₹41.65

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 10.61 11.69 12.06 %

View Fund
AUM (Cr)

₹60

NAV

₹39.58

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.28 11.88 11.98 %

View Fund
AUM (Cr)

₹2,097

NAV

₹60.07

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.2 10.63 11.91 %

View Fund
AUM (Cr)

₹11,620

NAV

₹145.69

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 16.35 17.97 16.94 %

View Fund
AUM (Cr)

₹35,377

NAV

₹70.86

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.4 14.07 14.02 %

View Fund
AUM (Cr)

₹5,458

NAV

₹73.89

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.09 12.31 13.59 %

View Fund
AUM (Cr)

₹9,938

NAV

₹57.91

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21 19.36 22 %

View Fund
AUM (Cr)

₹12,572

NAV

₹106.19

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 18.88 20.25 17.9 %

View Fund
AUM (Cr)

₹1,051

NAV

₹68

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.29 13.75 14.43 %

View Fund
AUM (Cr)

₹13,553

NAV

₹64.52

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.67 12.54 12.87 %

View Fund
AUM (Cr)

₹1,125

NAV

₹51.71

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.84 12.49 12.52 %

View Fund
AUM (Cr)

₹3,551

NAV

₹55.1

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.04 12.13 12.16 %

View Fund
AUM (Cr)

₹526

NAV

₹53.15

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 10.08 11.11 11.08 %

View Fund
AUM (Cr)

₹242

NAV

₹26.32

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 7.68 8.85 9.98 %

View Fund
AUM (Cr)

₹823

NAV

₹41.11

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.81 7.02 7.39 %

View Fund
AUM (Cr)

₹499

NAV

₹38.5

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.43 7 7.11 %

View Fund
AUM (Cr)

₹117

NAV

₹30.2

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 6.02 6.67 6.96 %

View Fund
AUM (Cr)

₹171

NAV

₹35.08

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.34 6.52 6.94 %

View Fund
AUM (Cr)

₹77

NAV

₹41.46

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.55 6.54 6.89 %

View Fund
AUM (Cr)

₹16,781

NAV

₹50.28

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.44 6.43 6.72 %

View Fund
AUM (Cr)

₹93

NAV

₹39.21

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.39 6.63 6.71 %

View Fund
AUM (Cr)

₹172

NAV

₹47.09

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 4.76 6.15 6.69 %

View Fund
AUM (Cr)

₹1,013

NAV

₹46.95

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.85 6.4 6.68 %

View Fund
AUM (Cr)

₹904

NAV

₹93.9

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.63 15.03 14.84 %

View Fund
AUM (Cr)

₹354

NAV

₹45.81

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.11 9.84 10.15 %

View Fund
AUM (Cr)

₹62

NAV

₹58.6

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.08 8.77 9.79 %

View Fund
AUM (Cr)

₹5,072

NAV

₹37.96

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.02 8.91 9.75 %

View Fund
AUM (Cr)

₹460

NAV

₹99.44

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 7.92 8.91 9.72 %

View Fund
AUM (Cr)

₹807

NAV

₹38.01

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.78 9.24 9.46 %

View Fund
AUM (Cr)

₹21,160

NAV

₹69.13

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 7.32 8.56 9.38 %

View Fund
AUM (Cr)

₹6,860

NAV

₹105.25

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.11 8.97 9.33 %

View Fund
AUM (Cr)

₹272

NAV

₹29.88

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.18 8.71 9.33 %

View Fund
AUM (Cr)

₹1,775

NAV

₹41.2

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.78 8.83 9.1 %

View Fund
View More

  • Insurance Companies
  • Mutual Funds
Returns
Fund Name 5 Years 7 Years 10 Years
Equity Fund SBI Life
Rating
 9.11% 10.11%
10.96%
View Plan
Opportunities Fund HDFC Life
Rating
 13.4% 14.07%
14.02%
View Plan
High Growth Fund Axis Max Life
Rating
 18.88% 20.25%
17.9%
View Plan
Opportunities Fund ICICI Prudential Life
Rating
 12.04% 12.13%
12.16%
View Plan
Multi Cap Fund Tata AIA Life
Rating
 21% 19.36%
22%
View Plan
Accelerator Mid-Cap Fund II Bajaj Life
Rating
 13.09% 12.31%
13.59%
View Plan
Multiplier Birla Sun Life
Rating
 15.38% 14.25%
15.15%
View Plan
Virtue II PNB MetLife
Rating
 13.33% 15.22%
14.41%
View Plan
Equity II Fund Canara HSBC Life
Rating
 9.31% 9%
10.09%
View Plan
Blue-Chip Equity Fund Star Union Dai-ichi Life
Rating
 7.85% 8.65%
9.8%
View Plan
Fund rating powered by
Last updated: Feb 2026
Compare more funds

Fund Name AUM Return 3 Years Return 5 Years Return 10 Years Minimum Investment Return Since Launch
Motilal Oswal BSE Enhanced Value Index Fund Regular - Growth ₹822.00 Crs 30.49% N/A N/A ₹500 29.73%
Bandhan Small Cap Fund Regular-Growth ₹14,062.19 Crs 27.38% 21.07% N/A ₹1,000 26.42%
Motilal Oswal Midcap Fund Regular-Growth ₹33,608.53 Crs 19.53% 21.14% 15.9% ₹500 19.14%
ICICI Prudential Infrastructure Fund-Growth ₹7,941.20 Crs 21.36% 24.4% 17.52% ₹5,000 15.04%
Canara Robeco Large Cap Fund Regular-Growth ₹16,406.92 Crs 12.85% 10.52% 13.31% ₹100 11.82%
Mirae Asset Large Cap Fund Direct- Growth ₹39,975.32 Crs 11.99% 10.67% 13.83% ₹5,000 14.75%
Kotak Midcap Fund Regular-Growth ₹57,375.20 Crs 19.18% 17.19% 17.46% ₹100 14.19%
SBI Small Cap Fund-Growth ₹35,562.96 Crs 11.63% 13.71% 16.97% ₹5,000 17.75%
SBI Gold ETF ₹8,810.86 Crs 31% 24.4% 15.7% ₹5,000 13.18%

Updated as of Feb 2026

Compare more funds

  1. Top 5 Equity Mutual Funds to Invest in SIP 2026

    Equity mutual funds invest primarily in stocks, aiming for long-term wealth creation by leveraging market growth. Let us have a look below at the top 5 equity mutual funds for SIP in India in 2026:

    Fund Name 1 Year Returns 3 Year Returns 5 Year Returns
    Bandhan Small Cap Fund 29.36% 34.28% 38.48%
    ICICI Prudential Infrastructure Fund 14.84% 33.04% 39.38%
    Motilal Oswal Midcap Fund 24% 33.51% 38.33%
    Franklin Build India Fund 9.81% 32.53% 35.4%
    ICICI Prudential BHARAT 22 FOF Fund 5.33% 30.97% 33.98%
    HDFC Mid-Cap Opportunities Fund 18.28% 30.41% 34.23%

    *Returns as on 4 May 2025.
    Disclaimer: Policybazaar does not endorse, rate, or recommend any particular company or product. The policyholder bears the investment risk in the investment portfolio.

  2. Top 5 Debt Mutual Funds to Invest in SIP 2026

    Debt mutual funds are low-risk investment instruments that are chosen by investors who cannot afford to take high risks. Such investors want to keep their money in mutual funds for a short period of time in order to earn moderate returns.

    Fund Name 1 Year Returns  3 Year Returns 5 year Returns 
    Aditya Birla Sun Life Medium Term Plan Fund 15.86% 15.75% 14.34%
    ICICI Prudential Gilt Fund 11.27% 9.51% 7.21%
    SBI Magnum Gilt Fund Direct Growth 11.36% 9.53% 7.08%
    HDFC Short Term Debt Fund 10.19% 8.31% 7.22%
    Nippon India Credit Risk Fund 10.57% 8.98% 9.69%

    *Returns as on 4 May 2025.

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

    start-an-sip-today-watch-your-money-grow start-an-sip-today-watch-your-money-grow

  3. Top 5 Hybrid Mutual Funds to Invest in SIP 2026

    Hybrid mutual funds balance growth and stability by investing in both equity and debt. Following are the top 5 hybrid mutual funds to consider for SIPs in 2026:

    Fund Name 1 Year Returns  3 Year Returns 5 Year Returns
    JM Aggressive Hybrid Fund 6.77% 24.27% 28.16%
    HDFC Balanced Advantage Fund 11.52% 22.3% 26.16%
    Nippon India Multi Asset Active FoF Fund 19.58% 22.26% -
    Edelweiss Aggressive Hybrid Fund 17.38% 21.01% 23.59%
    ICICI Prudential Equity & Debt Fund 15.5% 20.92% 26.62%

    *Returns as on 4 May 2025.

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

  4. Top 5 Tax Saving Mutual Funds to Invest in SIP 2026

    Equity funds, particularly Equity Linked Savings Schemes (ELSS), are investment options that provide tax benefits while primarily investing in stocks. Let us have a look at the best return tax-saving mutual funds for SIP in 2026:

    Fund Name 1 Year Returns  3 Year Returns  5 Year Returns 
    SBI Long Term Equity Fund 13.51% 27.7% 29.34%
    HDFC ELSS Tax Saver Fund 16.1% 24.79% 28.05%
    Parag Parikh ELSS Tax Saver Fund 19.11% 21.28% 27.22%
    Motilal Oswal ELSS Tax Saver Fund 22.91% 30.9% 29.76%
    DSP ELSS Tax Saver Fund 18.44% 23.1% 27.37%

    *Returns as on 4 May 2025.

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

  5. Top 5 Index Mutual Funds to Invest in SIP 2026

    Investing in index mutual funds is a smart way to grow your wealth through a diversified portfolio that tracks market indices. Following are the best Index Mutual Funds for SIP in 2026:

    Mutual Fund Scheme 1 Year Returns 3 Year Returns 5 Year Returns
    Motilal Oswal Nifty Midcap 150 Index Fund 14.98% 26.76% 32.23%
    Edelweiss US Technology Equity FoF 24.4% 24.79% 18.23%
    DSP Nifty Next 50 Index Fund 4.4% 20.89% 22.24%
    UTI Nifty Next 50 Index Fund 4.55% 20.88% 22.26%
    ICICI Prudential Nifty Next 50 Index Fund 4.17% 20.73% 22.11%

    *Returns as on 4 May 2025.

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

    Start Small & Build Your Wealth For A Brighter Tomorrow Start Small & Build Your Wealth For A Brighter Tomorrow

  6. Top 5 International Mutual Funds to Invest in SIP 2026

    International mutual funds offer investors a chance to diversify their portfolios by investing in foreign markets, potentially leading to higher returns. 

    Let us learn the best international mutual funds to consider for SIP investments in 2026:

    Mutual Fund Scheme 1-Year Returns 3-Year Returns 5-Year Returns
    Edelweiss US Technology Equity FoF 24.4% 24.79% 18.23%
    Invesco India - Invesco Global Equity Income FoF 19.41% 18.92% 18.16%
    Aditya Birla Sun Life Global Excellence Equity FoF 8.48% 17.34% 12.92%
    Franklin U.S. Opportunities Equity Active FoF 14.47% 19.35% 13.73%
    ICICI Prudential US Bluechip Equity Fund 6.21% 13.18% 13.4%

    *Returns as on 4 May 2025.

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

  7. Top 5 Thematic Mutual Funds to Invest in SIP 2026

    Thematic mutual funds are specialized investment vehicles that focus on specific trends or themes in the market, allowing investors to capitalize on targeted growth opportunities. 

    The below mentioned list shows the best thematic mutual funds to consider for SIP investments in 2026:

    Mutual Fund Scheme 1-Year Returns 3-Year Returns 5-Year Returns
    ICICI Prudential Manufacturing Fund 8.1% 28.56% 31.94%
    UTI Transportation and Logistics Fund 2.51% 24.85% 29.43%
    Sundaram Services Fund 25.51% 21.99% 28.18%
    HDFC Housing Opportunities Fund 6.09% 24.16% 27.03%
    SBI Magnum COMMA Fund 12.85% 16.12% 25.46%

*Returns as on 4 May 2025.

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

SIP Calculator

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
/Month
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
% Annually
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Monthly Investment ₹22.4 L
View Plans
Top Funds with High Returns (Past 7 Years)
Equity Pension
11.82%
Equity Pension
Opportunities Fund
14.02%
Opportunities Fund
High Growth Fund
17.9%
High Growth Fund
Opportunities Fund
12.16%
Opportunities Fund
Multi Cap Fund
22%
Multi Cap Fund
Accelerator Mid-Cap Fund II
13.59%
Accelerator Mid-Cap Fund II
Multiplier
15.15%
Multiplier
Frontline Equity Fund
13.7%
Frontline Equity Fund
Virtue II
14.41%
Virtue II
Equity II Fund
10.09%
Equity II Fund
Blue-Chip Equity Fund
9.8%
Blue-Chip Equity Fund
Growth Opportunities Plus Fund
14.43%
Growth Opportunities Plus Fund
Equity Top 250 Fund
11.08%
Equity Top 250 Fund
Future Opportunity Fund
11.98%
Future Opportunity Fund
Pension Dynamic Equity Fund
10.89%
Pension Dynamic Equity Fund
Accelerator Fund
13.26%
Accelerator Fund

Key Factors to Decide the Best Mutual Funds for SIP in India for You

You must consider the following key factors before starting a SIP in best mutual funds in India:

  • Investment Goal: Align the SIPs with your financial goal—wealth creation, retirement, or child’s education.

  • Risk Appetite: Choose funds based on your risk tolerance—low, moderate, or high risk.

  • Time Horizon: Match the fund type with your investment duration (short-term or long-term).

  • Past Performance: Analyze the fund's historical returns over 3, 5, and 10 years for consistency.

  • Expense Ratio: Prefer funds with a low expense ratio to maximize returns.

  • Fund Manager’s Expertise: Check the track record of the fund manager and their experience.

  • Portfolio Diversification: Look for funds offering a balanced mix of sectors and assets.

  • Fund’s Rating: Refer to trusted ratings by agencies like CRISIL or Morningstar.

  • Tax Efficiency: Consider tax-saving funds if eligible for benefits under Section 80C.

  • Exit Load and Charges: Verify exit loads and other charges to avoid unexpected deductions.

  • Liquidity Needs: Choose funds offering flexibility to redeem units when required.

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Wrapping Up

The best SIP plans help build wealth steadily, so start early and invest consistently to make the most of your financial journey. Choosing the best mutual funds for SIP in 2026 depends on your financial goals, risk tolerance, and investment horizon. Focus on funds with a strong track record, consistent performance, and alignment with your objectives. 

FAQs

  • How can I estimate the returns on my SIP investments?

    You can estimate your SIP returns using an online SIP calculator. Simply enter your monthly investment amount, investment term and expected rate of return. The SIP calculator will instantly show you the estimated maturity amount and potential gains, helping you plan your financial goals more effectively.

  • What is SIP in mutual funds?

    SIP (Systematic Investment Plan) allows you to invest a fixed amount regularly in mutual funds.

  • Why should I invest in SIPs in 2026?

    SIPs are ideal for disciplined investing and help reduce market risks through rupee cost averaging.

  • Which are the best mutual fund categories for SIPs in 2026?

    Equity, hybrid, and ELSS funds are popular categories for long-term growth and tax benefits.

  • How much should I invest in SIP?

    The amount depends on your financial goals, but starting with ₹500 to ₹1,000 monthly is common.

  • What is the ideal tenure for SIP investments?

    A tenure of 5-10 years or more is ideal for maximum returns due to compounding.

  • Can I stop or modify my SIP anytime?

    Yes, you can pause, stop, or change your SIP amount without any penalty.

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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
Disclaimer:#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. All SIPs listed here are of insurance companies’ funds. 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.
*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.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++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.
**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).

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