Best SIP Plan for 5 Years

How Does Best SIP Plan 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.

Best SIP Plan 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 Direct-Growth

   Parag Parikh Flexi Cap Fund Direct-Growth seeks to generate long-term capital appreciation by investing in a dynamic mix of equity and equity-related instruments across large, mid, and small-cap stocks. It is known for its value-investing approach and occasional exposure to foreign equities.

   Parameters	Details
   Fund Name	Parag Parikh Flexi Cap Fund Direct-Growth
   NAV	₹ 87.00 (as on 25th March, 2026)
   AUM	₹113,280.87 Crs
   Expense Ratio	0.63%
   Return 5 Years	16.74%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
   Risk Level	Principal at very high risk
   Launch Date	24th May, 2013
   Asset Allocation	Equity: 76.47%, Debt: 14.51%, Others: 5.5%
   Top Sectors	Real Estate Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Others CBLO HDFC Bank Ltd Power Grid Corporation of India Ltd Bajaj Holdings & Investment Ltd Coal India Ltd Reverse Repo ICICI Bank Ltd ITC Ltd Alphabet Inc Forgn. Eq (GOOGL) Kotak Mahindra Bank 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 Direct-Growth

   Motilal Oswal Midcap Fund Direct-Growth focuses on long-term capital appreciation by investing primarily in a portfolio of 30 mid-cap companies with strong growth potential and quality management

   Parameters	Details
   Fund Name	Motilal Oswal Midcap Fund Direct-Growth
   NAV	₹ 98.00 (as on 25th March, 2026)
   AUM	₹33,608.53 Crs
   Expense Ratio	0.85%
   Return 5 Years	23.37%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹500
   Risk Level	Principal at very high risk
   Launch Date	24th February, 2014
   Asset Allocation	Equity: 97.89%, Others: 2.11%
   Top Sectors	Consumer Discretionary Industrials Financial Healthcare Materials Real Estate 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 Direct-Growth

   HDFC Infrastructure Fund Regular-Growth aims to achieve long-term capital appreciation by investing in equity and equity-related securities of companies. The fund prioritises companies engaged in the growth and development of infrastructure in the Indian economy.

   Parameters	Details
   Fund Name	HDFC Infrastructure Fund Direct-Growth
   NAV	₹ 48.53 (as on 25th March, 2026)
   AUM	₹2,539.90 Crs
   Expense Ratio	1.18%
   Return 5 Years	24.07%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	1st January, 2013
   Asset Allocation	Equity: 95.36%, Others: 2.07%
   Top Sectors	Consumer Discretionary Industrials Energy & Utilities Financial Healthcare Technology Materials
   Top Holdings	Repo ICICI Bank Ltd Larsen & Toubro Ltd HDFC Bank Ltd Kalpataru Power Transmission Ltd J Kumar Infraprojects Ltd Interglobe Aviation Ltd State Bank of India NTPC Ltd Reliance Industries Ltd
   Fund Managers	Srinivasan Ramamurthy Dhruv Muchhal
   Fund Type	Open-ended

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4. Mirae Asset Large & Midcap Fund Direct-Growth

   The main objective of Mirae Asset Large & Midcap Fund Regular-Growth is to generate income and capital appreciation. The fund predominantly invests in equity and equity related securities of large and mid cap companies.

   Parameters	Details
   Fund Name	Mirae Asset Large & Midcap Fund Direct-Growth
   NAV	₹ 161.23 (as on 25th March, 2026)
   AUM	₹40,554.09 Crs
   Expense Ratio	0.62%
   Return 5 Years	14.38%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	1st January, 2013
   Asset Allocation	Equity: 98.9%, Debt: 0.43%, Others: 0.68%
   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 Tata Consultancy Services Ltd Infosys Ltd Indusind Bank Ltd Larsen & Toubro Ltd Maruti Suzuki India Ltd
   Fund Managers	Neelesh Surana Ankit Jain
   Fund Type	Open-ended

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5. Edelweiss Large & Mid Cap Direct Plan-Growth

   Edelweiss Large & Mid Cap Fund Regular-Growth focuses on income and long-term capital growth. It diversifies the portfolio by investing in large and mid cap equity and equity related securities.

   Parameters	Details
   Fund Name	Edelweiss Large & Mid Cap Direct Plan-Growth
   NAV	₹ 97.98 (as on 25th March, 2026)
   AUM	₹4,063.31 Crs
   Expense Ratio	0.45%
   Return 5 Years	16.41%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	1st January, 2013
   Asset Allocation	Equity: 97.13%, Debt: 2.97%, Others: -0.1%
   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 State Bank of India The Federal Bank Ltd Max Healthcare Institute Ltd Bharti Airtel Ltd 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 Direct-Growth

   The main objective of Canara Robeco Infrastructure Fund Regular-Growth is to generate income by investing in equity and equity related instruments of the infrastructure sector companies.

   Parameters	Details
   Fund Name	Canara Robeco Infrastructure Direct-Growth
   NAV	₹ 178.82 (as on 25th March, 2026)
   AUM	₹917.06 Crs
   Expense Ratio	1.06%
   Return 5 Years	24.8%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	2nd January, 2013
   Asset Allocation	Equity: 94.96%, Others: 5.04%
   Top Sectors	Consumer Discretionary Industrials Diversified Energy & Utilities Financial Materials Real Estate Technology
   Top Holdings	Larsen & Toubro Ltd State Bank of India Reliance Industries Ltd Repo NTPC Ltd Bharat Electronics Ltd Interglobe Aviation Ltd CG Power & Industrial Solutions Ltd GE T&D India Ltd Dixon Technologies (India) Ltd
   Fund Managers	Vishal Mishra Shridatta Bhandwaldar
   Fund Type	Open-ended

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7. Kotak Midcap Fund Direct-Growth

   Kotak Midcap Fund Direct-Growth aims to generate capital appreciation from a diversified portfolio of equity and equity-related securities, focusing predominantly on mid-sized companies.

   Parameters	Details
   Fund Name	Kotak Midcap Fund Direct-Growth
   NAV	₹ 148.44 (as on 25th March, 2026)
   AUM	₹57,375.20 Crs
   Expense Ratio	0.38%
   Return 5 Years	19.4%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	NA
   Asset Allocation	Equity: 99.22%, Debt: 0.18%, Others: 0.6%
   Top Sectors	Diversified Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	GE T&D India Ltd Fortis Healthcare Ltd Mphasis Ltd Dixon Technologies (India) Ltd Ipca Laboratories Ltd Vishal Mega Mart Ltd. Swiggy Ltd. Kei Industries Ltd JK Cement Ltd Indian Bank
   Fund Managers	NA
   Fund Type	Open-ended

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8. Quant Multi Asset Allocation Fund Direct-Growth

   Quant Multi Asset Allocation Fund Direct-Growth aims to generate capital appreciation and income by investing in a diversified portfolio across multiple asset classes, including equity, debt, gold, and silver. 

   Parameters	Details
   Fund Name	Quant Multi Asset Allocation Fund Direct-Growth
   NAV	₹ 167.95 (as on 25th March, 2026)
   AUM	₹3,666.25 Crs
   Expense Ratio	0.58%
   Return 5 Years	25.51%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at high risk
   Launch Date	NA
   Asset Allocation	Equity: 37.76%, Debt: 22.03%, Others: 29.51%, Commodities: 10.09%
   Top Sectors	Industrials Consumer Staples Healthcare Real Estate Consumer Discretionary Energy & Utilities Financial
   Top Holdings	Repo Net Current Assets Nippon India Silver ETF - Growth Others Fixed Deposits Nippon India ETF Gold BeES IDCW HDFC Bank Ltd ICICI Bank Ltd State Bank of India Reliance Industries Ltd. 30-DEC-25 Reliance Industries Ltd. 25-NOV-25
   Fund Managers	Sandeep Tandon Sanjeev Sharma Ankit A Pande Sameer Kate Varun Pattani Ayusha Kumbhat Yug Tibrewal
   Fund Type	Open-ended

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9. SBI PSU Direct Plan-Growth

   SBI PSU Direct Plan-Growth seeks to provide investors with opportunities for long-term growth by investing in a portfolio of Public Sector Undertakings (PSUs), companies where the government holds a majority stake.

   Parameters	Details
   Fund Name	SBI PSU Direct Plan-Growth
   NAV	₹ 37.36 (as on 25th March, 2026)
   AUM	₹5,278.16 Crs
   Expense Ratio	0.85%
   Return 5 Years	28.14%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	NA
   Asset Allocation	Equity: 95.84%, Debt: 0.07%, Others: 4.09%
   Top Sectors	Industrials Energy & Utilities Financial Materials
   Top Holdings	State Bank of India Bharat Electronics Ltd NTPC Ltd Power Grid Corporation of India Ltd GAIL (India) Ltd Bharat Petroleum Corporation Ltd Bank Of Baroda Repo NMDC Ltd Indian Bank
   Fund Managers	NA
   Fund Type	Open-ended

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10. LIC MF Gold ETF FoF Direct-Growth

    LIC MF Gold ETF FoF Direct-Growth aims to provide returns that closely correspond to the returns provided by its underlying fund (the LIC MF Gold ETF), which in turn tracks the domestic price of physical gold. It allows investors to invest in gold without needing a Demat account.

    Parameters	Details
    Fund Name	LIC MF Gold ETF FoF Direct-Growth
    NAV	₹ 39.14 (as on 25th March, 2026)
    AUM	₹213.98 Crs
    Expense Ratio	0.44%
    Return 5 Years	24.88%
    Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
    Risk Level	Principal at high risk
    Launch Date	1st January, 2013
    Asset Allocation	Others: 1.87%, Commodities: 98.13%
    Top Sectors	NA
    Top Holdings	LIC MF Gold ETF Repo Net Payables
    Fund Managers	NA
    Fund Type	Open-ended

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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, the best SIP plan 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 ₹100 per month and scale up as your income grows.

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

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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

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Monthly Investment ₹22.4 L

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Top Funds with High Returns (Past 7 Years)

11.82%

Equity Pension

14.02%

Opportunities Fund

17.9%

High Growth Fund

12.16%

Opportunities Fund

22%

Multi Cap Fund

13.59%

Accelerator Mid-Cap Fund II

15.15%

Multiplier

13.7%

Frontline Equity Fund

14.41%

Virtue II

10.09%

Equity II Fund

9.8%

Blue-Chip Equity Fund

14.43%

Growth Opportunities Plus Fund

11.08%

Equity Top 250 Fund

11.98%

Future Opportunity Fund

10.89%

Pension Dynamic Equity Fund

13.26%

Accelerator Fund

Conclusion 

Choosing the best SIP plan 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.