SIP Day

SIP Day refers to the chosen date on which an investor makes regular contributions to a fund scheme through systematic and automated payments. This method helps them build wealth gradually by investing fixed amounts at set intervals.

SIP Plan Benefits

Start SIP with as low as ₹1000

No hidden charges

Save upto ₹46,800 in Taxunder section 80C^{^}

Zero LTCG Tax^¶

Disciplined & worry-free investing

Best SIP Funds

Tax Saving Funds Large Cap Low Return Funds Mid Cap Mid Return Funds Multi Cap Debt Funds Shariah Funds Balanced Funds

Payment Mode

Invest

₹ 10,000

Invest for

High Growth Fund

AUM (Cr)

₹9,223

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 27.23 21.07 18.4 %

View Fund

Instant tax receipt

Virtue II

AUM (Cr)

₹3,137

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24 16.86 15.03 %

View Fund

Instant tax receipt

Opportunities Fund

AUM (Cr)

₹35,672

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 25.77 14.87 14.81 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,660

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.53 16.73 14.72 %

View Fund

Instant tax receipt

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,410

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.23 12.8 14.57 %

View Fund

Instant tax receipt

Frontline Equity Fund

AUM (Cr)

₹4,206

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.16 15.33 14.24 %

View Fund

Instant tax receipt

Diversified Equity Fund

AUM (Cr)

₹3,524

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.56 13.64 14.17 %

View Fund

Instant tax receipt

Grow Money Plus Fund

AUM (Cr)

₹434

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.48 14.07 14 %

View Fund

Instant tax receipt

Accelerator Fund

AUM (Cr)

₹227

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 22.62 15.31 13.35 %

View Fund

Instant tax receipt

Pure Equity

AUM (Cr)

₹2,724

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.16 13.49 13.34 %

View Fund

Instant tax receipt

Virtue II

AUM (Cr)

₹3,137

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24 16.86 15.03 %

View Fund

Large Cap Equity Fund

AUM (Cr)

₹2,660

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.53 16.73 14.72 %

View Fund

Frontline Equity Fund

AUM (Cr)

₹4,206

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.16 15.33 14.24 %

View Fund

Diversified Equity Fund

AUM (Cr)

₹3,524

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.56 13.64 14.17 %

View Fund

Grow Money Plus Fund

AUM (Cr)

₹434

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.48 14.07 14 %

View Fund

Accelerator Fund

AUM (Cr)

₹227

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 22.62 15.31 13.35 %

View Fund

Pure Equity

AUM (Cr)

₹2,724

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.16 13.49 13.34 %

View Fund

Future Apex Fund

AUM (Cr)

₹95

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.34 15.45 13.31 %

View Fund

Pure Stock Fund

AUM (Cr)

₹6,953

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.48 13.87 13.31 %

View Fund

Growth Super Fund

AUM (Cr)

₹13,305

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.94 13.53 12.79 %

View Fund

High Growth Fund

AUM (Cr)

₹9,223

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 27.23 21.07 18.4 %

View Fund

Opportunities Fund

AUM (Cr)

₹35,672

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 25.77 14.87 14.81 %

View Fund

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,410

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.23 12.8 14.57 %

View Fund

Top 200 Fund

AUM (Cr)

₹2,188

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 30.99 21.69 17.46 %

View Fund

Growth Opportunities Plus Fund

AUM (Cr)

₹969

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 23.03 15.02 14.61 %

View Fund

Classic Opportunities Fund

AUM (Cr)

₹13,357

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.79 13.71 13.06 %

View Fund

Flexi Cap

AUM (Cr)

₹1,178

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.81 13.34 12.33 %

View Fund

Opportunities Fund

AUM (Cr)

₹3,245

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 22.68 13.38 12.32 %

View Fund

Equity Top 250 Fund

AUM (Cr)

₹535

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.87 12.12 11.48 %

View Fund

Whole Life Income Fund

AUM (Cr)

₹872

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.5 8.23 8.05 %

View Fund

Debt Fund

AUM (Cr)

₹498

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.44 8.29 7.84 %

View Fund

Conservative Fund

AUM (Cr)

₹236

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.9 8.23 7.78 %

View Fund

Income Advantage

AUM (Cr)

₹992

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.37 8.08 7.77 %

View Fund

Individual Preserver Pension Fund

AUM (Cr)

₹126

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.07 7.79 7.66 %

View Fund

Dynamic Gilt Fund

AUM (Cr)

₹209

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.59 7.8 7.57 %

View Fund

Steady Money Fund

AUM (Cr)

₹71

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.89 7.53 7.49 %

View Fund

Debt Fund

AUM (Cr)

₹97

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.08 7.77 7.44 %

View Fund

Income Fund

AUM (Cr)

₹8,125

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.66 7.36 7.37 %

View Fund

Bond Fund

AUM (Cr)

₹20,041

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.05 7.51 7.33 %

View Fund

Whole Life Aggressive Growth Fund

AUM (Cr)

₹849

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 22.67 16.46 15.31 %

View Fund

Balanced Fund

AUM (Cr)

₹367

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.23 11.44 10.81 %

View Fund

Save N Grow Money Fund

AUM (Cr)

₹63

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12 9.99 10.06 %

View Fund

Creator

AUM (Cr)

₹500

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.5 10.37 10.04 %

View Fund

Balanced Fund

AUM (Cr)

₹5,909

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.35 10.33 10.02 %

View Fund

Balancer II

AUM (Cr)

₹858

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.1 10.51 9.91 %

View Fund

Growth Fund

AUM (Cr)

₹8,010

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.56 10.6 9.89 %

View Fund

Asset Allocation Fund II

AUM (Cr)

₹297

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.69 9.76 9.68 %

View Fund

Multi Cap Balanced Fund

AUM (Cr)

₹2,007

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.34 9.59 9.55 %

View Fund

Stable Fund

AUM (Cr)

₹19

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.39 10.11 9.51 %

View Fund

Super Select Equity Fund

AUM (Cr)

₹1,296

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.51 13.27 13.69 %

View Fund

Pure Stock Fund

AUM (Cr)

₹7,189

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.66 13.81 13.54 %

View Fund

Pure Equity

AUM (Cr)

₹2,883

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.6 13.59 13.47 %

View Fund

What is the Day of SIP or SIP Day?

Day of SIP" or "SIP Day" refers to the specific date on which your Systematic Investment Plan (SIP) installment is automatically deducted from your bank account and invested in the chosen mutual fund or any other fund scheme. You can choose any day that works for you, but it's generally recommended to:

Align it with your income: Choose a day close to your salary credit date to ensure sufficient funds are available.
Pick a consistent date: Having a fixed day helps you stay disciplined and avoid missing installments.

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
High Growth Fund Max Life Rating	27.23%	21.07%	18.4% View Plan
Top 200 Fund Tata AIA Rating	30.99%	21.69%	17.46% View Plan
Accelerator Mid-Cap Fund II Bajaj Allianz Rating	24.23%	12.8%	14.57% View Plan
Opportunities Fund HDFC Standard Rating	25.77%	14.87%	14.81% View Plan
Growth Plus Fund Canara HSBC Oriental Bank Rating	17.51%	10.29%	10.58% View Plan
Growth Opportunities Plus Fund Bharti AXA Rating	23.03%	15.02%	14.61% View Plan
Multiplier Birla Sun Life Rating	26.67%	14.18%	15.6% View Plan
Opportunities Fund ICICI Prudential Rating	22.68%	13.38%	12.32% View Plan
Flexi Growth Fund LIC Rating	-	-	- View Plan
Virtue II PNB Metlife Rating	24%	16.86%	15.03% View Plan

Fund rating powered by

Last updated: May 2025

Compare more funds

Fund Name	3 Years	5 Years	10 Years
	Returns
Active Fund QUANT	23.92%	31.48%	21.87%
Flexi Cap Fund PARAG PARIKH	20.69%	26.41%	19.28%
Large and Mid-Cap Fund EDELWEISS	22.34%	24.29%	17.94%
Equity Opportunities Fund KOTAK	24.64%	25.01%	19.45%
Large and Midcap Fund MIRAE ASSET	19.74%	24.32%	22.50%
Flexi Cap Fund PGIM INDIA	14.75%	23.39%	-
Flexi Cap Fund DSP	18.41%	22.33%	16.91%
Emerging Equities Fund CANARA ROBECO	20.05%	21.80%	15.92%
Focused fund SUNDARAM	18.27%	18.22%	16.55%

Last updated: May 2025

Compare more funds

Buying the Dip Results in Higher Returns

How To Choose Your SIP Day?

Align with your income:

Choose a date close to your salary credit date to ensure sufficient funds are available in your account. This avoids missed installments and potential penalties.
Consistency is key:

Pick a fixed day each month (e.g., 1st, 15th, or your preferred date) to develop discipline and automate your investment process.
Consider convenience:

Choose a day that works for you and fits your financial routine. This helps you stay mindful of upcoming installments and avoid unnecessary stress.
Flexibility options:

Some platforms offer "Any Day SIP" allowing you to choose any day within a specific window (e.g., 1st-30th). This can be helpful if your income is variable.
Day of SIP vs. Order date:

Remember, the Day of SIP is when the money is deducted, while the order date is when it's actually invested (usually a few days later).
Multiple SIPs:

If you have multiple SIPs, consider spreading them out throughout the month to potentially benefit from market fluctuations.
Consult your financial advisor:

If you have any doubts or need personalized advice regarding your SIP day or overall investment strategy, consider consulting a registered financial advisor. They can provide guidance based on your specific financial goals and risk tolerance.

SIP Calculator

I know my investment amount I know my goal amount

Monthly SIP Yearly SIP Lumpsum

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

Years

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

Total Wealth ₹22.4 L

View Plans

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

Years

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

Monthly Investment ₹22.4 L

View Plans

Top Funds with High Returns (Past 7 Years)

18.4%

High Growth Fund

17.46%

Top 200 Fund

14.57%

Accelerator Mid-Cap Fund II

14.81%

Opportunities Fund

10.58%

Growth Plus Fund

13.35%

Accelerator Fund

14.61%

Growth Opportunities Plus Fund

15.6%

Multiplier

11.48%

Equity Top 250 Fund

13.31%

Future Apex Fund

12.32%

Opportunities Fund

14.24%

Frontline Equity Fund

15.03%

Virtue II

10.88%

Pension Dynamic Equity Fund

11.8%

Equity Fund

10.32%

Blue-Chip Equity Fund

How is My Next SIP Date Calculated?

Your next SIP date is determined by the available dates set by the fund houses. For example, if you began your SIP on May 10th and the available dates are the 1st, 7th, 15th, 21st, and 28th of each month, your next SIP could fall on June 15th, June 21st, June 28th, July 1st, or July 7th. Ensure a minimum 30-day gap between installments for consistency and flexibility in your investment strategy.

How To Automate SIP Investments for Mutual Funds?

To automate SIP investments:

Log in to your bank's net banking.
Add BSE as the Biller under Mutual Funds.
Provide necessary details like the scheme name and folio number.
Set up automated payments for your SIP.
Authorize the transactions.
Review and confirm the setup.
Complete the process.

By following these steps, you can automate your future SIP instalments conveniently.

How to Calculate Returns On Your SIP Investments?

To calculate returns on your Systematic Investment Plan investments, you can use an SIP calculator. This tool helps investors estimate the potential returns based on their investment amount, SIP duration, and expected rate of return. By inputting these variables into the SIP calculator, individuals can make informed decisions about their investment strategies and goals. It simplifies the process of understanding how their investments may grow over time, helping in financial planning and decision-making.

Conclusion

Selecting the appropriate SIP Day is an important step in effectively managing your investments. By carefully choosing the day that aligns with your financial goals, cash flow, and market conditions, you can optimize your SIP strategy for long-term wealth creation.