- Insurance Companies
- Mutual Funds
|
Returns |
| Fund Name |
5 Years |
7 Years |
10 Years |
| Axis Max Life |
28.6% |
21.1% |
|
| Tata AIA Life |
26.52% |
21.28% |
|
| Bajaj Allianz |
20.49% |
12.87% |
|
| HDFC Life |
21.44% |
14.95% |
|
| ICICI Prudential Life |
20.5% |
- |
|
| Birla Sun Life |
22.25% |
14.81% |
|
| PNB MetLife |
20.48% |
16.44% |
|
| Canara HSBC Life |
16.68% |
10.38% |
|
| LIC India |
10.98% |
- |
|
| SBI Life |
16.86% |
12.02% |
|
Fund rating powered by
Last updated: Aug 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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Top 5 Equity Mutual Funds to Invest in SIP 2025
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 2025:
| 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.
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Top 5 Debt Mutual Funds to Invest in SIP 2025
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.
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Top 5 Hybrid Mutual Funds to Invest in SIP 2025
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 2025:
| 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.
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Top 5 Tax Saving Mutual Funds to Invest in SIP 2025
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 2025:
| 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.
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Top 5 Index Mutual Funds to Invest in SIP 2025
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 2025:
| 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.
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Top 5 International Mutual Funds to Invest in SIP 2025
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 2025:
| 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.
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Top 5 Thematic Mutual Funds to Invest in SIP 2025
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 2025:
| 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
Monthly Investment
₹22.4 L
Top Funds with High Returns (Past 7 Years)
17.8%
High Growth Fund
20.3%
India Consumption Fund
15.07%
Accelerator Mid-Cap Fund II
15.24%
Global Equity Index Funds Strategy
15.5%
Pension India Consumption Fund
15.75%
Multiplier
15.37%
Virtue II
10.86%
Equity II Fund
13.98%
Accelerator Fund
11.47%
Pension Dynamic Equity Fund
14.4%
Frontline Equity Fund
12.58%
Equity Pension
11.75%
Equity Top 250 Fund
14.87%
Growth Opportunities Plus Fund
13.72%
Future Apex Fund
13.87%
US Equity 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.
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 2025 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.
