Best SIP Plans for 5-Year Investment 2026

Best SIP Plans for 5 Years

Below are some of the best SIP plans that you can consider investing in for 5 years:

Details of Best SIP for 5 Years

Here are some of the details of the SIP plans by various mutual fund houses for 5 years:

1. Parag Parikh Flexi Cap Fund Regular-Growth

   Parameters	Details
   Fund Name	Parag Parikh Flexi Cap Fund Regular-Growth
   NAV	₹ 85.76 (as on 7th February, 2026)
   AUM	₹113,280.87 Crs
   Expense Ratio	1.28%
   Return 3 Years	21.59%
   Return 5 Years	21.81%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
   Risk Level	Principal at very high risk
   Launch Date	24th May, 2013
   Asset Allocation	Equity: 75.56%, Debt: 20.56%, Others: 2.6%
   Top Sectors	Real Estate Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Others CBLO HDFC Bank Ltd Bajaj Holdings & Investment Ltd Power Grid Corporation of India Ltd Coal India Ltd ICICI Bank Ltd ITC Ltd Alphabet Inc Forgn. Eq (GOOGL) Kotak Mahindra Bank Ltd Mahindra & Mahindra Ltd
   Fund Managers	Rajeev Thakkar Raunak Onkar Raj Mehta Rukun Tarachandani Mansi Kariya
   Fund Type	Open-ended

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2. Motilal Oswal Midcap Fund Regular-Growth

   Parameters	Details
   Fund Name	Motilal Oswal Midcap Fund Regular-Growth
   NAV	₹ 93.57 (as on 6th February, 2026)
   AUM	₹33,608.53 Crs
   Expense Ratio	1.55%
   Return 3 Years	25.97%
   Return 5 Years	33.24%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹500
   Risk Level	Principal at very high risk
   Launch Date	24th February, 2014
   Asset Allocation	Equity: 93.46%, Others: 6.54%
   Top Sectors	Real Estate Materials Consumer Discretionary Industrials Financial Healthcare Technology
   Top Holdings	Others CBLO Reverse Repo/CBLO Dixon Technologies (India) Ltd Persistent Systems Ltd Coforge Ltd Zomato Ltd Kalyan Jewellers India Ltd One 97 Communications Ltd Trent Ltd NIFTY 26000 Put Feb26
   Fund Managers	Ajay Khandelwal Niket Shah Rakesh Shetty Sunil Sawant
   Fund Type	Open-ended

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3. HDFC Infrastructure Fund Regular-Growth

   Parameters	Details
   Fund Name	HDFC Infrastructure Fund Regular-Growth
   NAV	₹ 47.44 (as on 6th February, 2026)
   AUM	₹2,539.90 Crs
   Expense Ratio	2.04%
   Return 3 Years	28.21%
   Return 5 Years	34.27%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	10th March, 2008
   Asset Allocation	Equity: 92.61%, Others: 4.89%
   Top Sectors	Consumer Discretionary Industrials Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Repo ICICI Bank Ltd Larsen & Toubro Ltd HDFC Bank Ltd J Kumar Infraprojects Ltd Kalpataru Power Transmission Ltd Interglobe Aviation Ltd Reliance Industries Ltd Bharti Airtel Ltd NTPC Ltd
   Fund Managers	Srinivasan Ramamurthy Dhruv Muchhal
   Fund Type	Open-ended

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4. Mirae Asset Large & Midcap Fund Regular-Growth

   Parameters	Details
   Fund Name	Mirae Asset Large & Midcap Fund Regular-Growth
   NAV	₹ 154.38 (as on 6th February, 2026)
   AUM	₹40,554.09 Crs
   Expense Ratio	1.52%
   Return 3 Years	17.5%
   Return 5 Years	20.65%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	9th July, 2010
   Asset Allocation	Equity: 98.29%, Debt: 0.29%, Others: 1.42%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	HDFC Bank Ltd ICICI Bank Ltd Axis Bank Ltd State Bank of India ITC Ltd Infosys Ltd Tata Consultancy Services Ltd Larsen & Toubro Ltd Maruti Suzuki India Ltd Reliance Industries Ltd
   Fund Managers	Neelesh Surana Ankit Jain
   Fund Type	Open-ended

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5. Edelweiss Large & Mid Cap Fund Regular-Growth

   Parameters	Details
   Fund Name	Edelweiss Large & Mid Cap Fund Regular-Growth
   NAV	₹ 88.50 (as on 6th February, 2026)
   AUM	₹4,063.31 Crs
   Expense Ratio	1.85%
   Return 3 Years	17.71%
   Return 5 Years	21.4%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	14th June, 2007
   Asset Allocation	Equity: 97.9%, Debt: 2.24%, Others: -0.14%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	HDFC Bank Ltd ICICI Bank Ltd Reliance Industries Ltd Others CBLO Max Healthcare Institute Ltd Bharti Airtel Ltd The Federal Bank Ltd State Bank of India Infosys Ltd Larsen & Toubro Ltd
   Fund Managers	Raj Koradia Trideep Bhattacharya Sumanta Khan
   Fund Type	Open-ended

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6. Canara Robeco Infrastructure Fund Regular-Growth

   Parameters	Details
   Fund Name	Canara Robeco Infrastructure Fund Regular-Growth
   NAV	₹ 160.98 (as on 6th February, 2026)
   AUM	₹917.06 Crs
   Expense Ratio	2.27%
   Return 3 Years	25.65%
   Return 5 Years	32.24%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	2nd December, 2005
   Asset Allocation	Equity: 95.79%, Others: 4.21%
   Top Sectors	Consumer Discretionary Industrials Diversified Energy & Utilities Financial Materials Real Estate Technology
   Top Holdings	Larsen & Toubro Ltd Reliance Industries Ltd Repo State Bank of India NTPC Ltd Bharat Electronics Ltd Interglobe Aviation Ltd GE T&D India Ltd Dixon Technologies (India) Ltd Tata Power Company Ltd
   Fund Managers	Vishal Mishra Shridatta Bhandwaldar
   Fund Type	Open-ended

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Best SIP to Invest for 5 Years in India

How Does SIP for 5 Years Work?

SIP simply means systematically investing a fixed amount on a regular basis in a mutual fund.

Let’s assume:

Your Monthly Investment: Rs. 5,000

Total Investment Years: 5 Years

Total Invested Amount: ₹5,000 x 60 months = ₹ 3,00,000

Assuming an average annual return of 18%, you can accumulate around 4.7 lakhs in just 5 years. You can use the SIP Calculator and calculate the returns yourself easily without any hassle.

Benefits of Investing in SIP for 5 Years

Investing in a SIP for 5 years offers several key advantages:

• Power of Compounding: Even small monthly investments can grow significantly over a 5 year period thanks to the power of compounding.

• Rupee Cost Averaging: A mutual fund SIP for 5 years allows you to buy more units during market dips and fewer during highs, averaging the cost.

• Disciplined Investing: Regular monthly investments in the best SIP for 5 years reduce emotional decisions and build investment discipline.

• Achieve Financial Goals: Whether it’s a down payment for a home or building a corpus for your child’s education, SIP for 5 years is a reasonable choice to achieve mid-term goals.

• Inflation-Beating Returns: Especially with equity SIPs, the returns over 5 years often surpass inflation rates, helping maintain purchasing power.

• Low Barrier to Entry: You can start with as low as ₹500 per month and scale up as your income grows.

SIP Calculator for 5 Years

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

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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

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Monthly Investment ₹22.4 L

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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

Conclusion

Choosing the best SIP plans for 5 years investments requires careful consideration of various factors, including risk tolerance, investment objectives, and the specific characteristics of different mutual fund schemes. It is important to study the market carefully, diversify your portfolio across asset classes, and maintain a long-term perspective, to build wealth over a period of 5-years.