Best Time to Invest in SIP

Investing in a Systematic Investment Plan (SIP) is an essential part of financial planning. It offers a disciplined and convenient way to build wealth over time. A common question among new and seasoned investors is: what is the best time to invest in SIP? This article will explore the best time to invest in a SIP and guide you towards a successful investment journey.

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

Large Cap Equity Fund

AUM (Cr)

₹2,773

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.97 17.41 16.34 %

View Fund

Instant tax receipt

Opportunities Fund

AUM (Cr)

₹36,263

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.5 16.35 15.9 %

View Fund

Instant tax receipt

Virtue II

AUM (Cr)

₹3,330

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.7 17 15.61 %

View Fund

Instant tax receipt

Grow Money Plus Fund

AUM (Cr)

₹446

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.86 14.86 15.45 %

View Fund

Instant tax receipt

Frontline Equity Fund

AUM (Cr)

₹4,789

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.98 15.94 15.14 %

View Fund

Instant tax receipt

Accelerator Fund

AUM (Cr)

₹237

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.47 15.78 14.87 %

View Fund

Instant tax receipt

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,680

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.28 14.61 14.79 %

View Fund

Instant tax receipt

Future Apex Fund

AUM (Cr)

₹121

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.23 15.8 14.6 %

View Fund

Instant tax receipt

Diversified Equity Fund

AUM (Cr)

₹3,701

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.47 14.31 14.43 %

View Fund

Instant tax receipt

Pure Stock Fund

AUM (Cr)

₹7,575

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.12 14.26 14.1 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,773

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.97 17.41 16.34 %

View Fund

Virtue II

AUM (Cr)

₹3,330

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.7 17 15.61 %

View Fund

Grow Money Plus Fund

AUM (Cr)

₹446

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.86 14.86 15.45 %

View Fund

Frontline Equity Fund

AUM (Cr)

₹4,789

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.98 15.94 15.14 %

View Fund

Accelerator Fund

AUM (Cr)

₹237

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.47 15.78 14.87 %

View Fund

Future Apex Fund

AUM (Cr)

₹121

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.23 15.8 14.6 %

View Fund

Diversified Equity Fund

AUM (Cr)

₹3,701

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.47 14.31 14.43 %

View Fund

Pure Stock Fund

AUM (Cr)

₹7,575

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.12 14.26 14.1 %

View Fund

Super 20

AUM (Cr)

₹2,208

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.22 13.24 13.82 %

View Fund

Growth Super Fund

AUM (Cr)

₹12,943

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.82 13.38 13.8 %

View Fund

Opportunities Fund

AUM (Cr)

₹36,263

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.5 16.35 15.9 %

View Fund

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,680

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.28 14.61 14.79 %

View Fund

Multi Cap Fund

AUM (Cr)

₹9,815

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 29 23.3 21.27 %

View Fund

High Growth Fund

AUM (Cr)

₹12,246

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 29.43 23.7 18.4 %

View Fund

Growth Opportunities Plus Fund

AUM (Cr)

₹1,053

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.42 15.81 15.75 %

View Fund

Classic Opportunities Fund

AUM (Cr)

₹13,777

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.64 14.71 14.32 %

View Fund

Flexi Cap

AUM (Cr)

₹1,137

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.6 14.75 13.77 %

View Fund

Opportunities Fund

AUM (Cr)

₹3,622

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.28 14.55 13.61 %

View Fund

Equity Top 250 Fund

AUM (Cr)

₹541

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.94 12.91 12.24 %

View Fund

Asset Allocation

AUM (Cr)

₹258

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.53 10.56 11.31 %

View Fund

Whole Life Income Fund

AUM (Cr)

₹810

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.89 7.28 7.64 %

View Fund

Debt Fund

AUM (Cr)

₹512

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.67 7.4 7.43 %

View Fund

Individual Preserver Pension Fund

AUM (Cr)

₹179

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.48 6.87 7.25 %

View Fund

Steady Money Fund

AUM (Cr)

₹76

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.61 6.86 7.08 %

View Fund

Bond Fund

AUM (Cr)

₹120

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.04 6.89 7.07 %

View Fund

Dynamic Gilt Fund

AUM (Cr)

₹181

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 4.79 6.44 7.06 %

View Fund

Debt Fund

AUM (Cr)

₹93

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.46 6.86 6.99 %

View Fund

Secure Fund

AUM (Cr)

₹1,022

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.99 6.71 6.93 %

View Fund

Bond Fund

AUM (Cr)

₹17,457

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.51 6.72 6.92 %

View Fund

Whole Life Aggressive Growth Fund

AUM (Cr)

₹935

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.56 16.84 16.06 %

View Fund

Balanced Fund

AUM (Cr)

₹363

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.42 11.29 11.11 %

View Fund

Balanced Fund

AUM (Cr)

₹5,378

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.33 10.58 10.85 %

View Fund

Save N Grow Money Fund

AUM (Cr)

₹64

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.95 9.9 10.55 %

View Fund

Creator

AUM (Cr)

₹478

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.95 10.18 10.54 %

View Fund

Asset Allocation Fund II

AUM (Cr)

₹276

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.46 10.19 10.4 %

View Fund

Balanced Fund

AUM (Cr)

₹22,084

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.6 10.06 10.35 %

View Fund

Balancer II

AUM (Cr)

₹833

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.83 10.59 10.31 %

View Fund

Growth Fund

AUM (Cr)

₹7,213

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.23 10.12 10.15 %

View Fund

Stable Fund

AUM (Cr)

₹18

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.69 9.66 10.1 %

View Fund

Super Select Equity Fund

AUM (Cr)

₹1,309

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.94 14.56 13.98 %

View Fund

Pure Stock Fund

AUM (Cr)

₹7,449

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.39 14.66 13.73 %

View Fund

Pure Equity

AUM (Cr)

₹3,075

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.52 13.99 13.26 %

View Fund

What is an SIP?

SIP, which stands for Systematic Investment Plan, is a method of investing in mutual funds where an individual invests a fixed amount of money at regular intervals, usually monthly. This approach offers several advantages:

Disciplined Investing: SIPs automate your investments, fostering a disciplined approach to saving and investing.
Rupee Cost Averaging: By investing regularly, you buy more units when the market is down and fewer units when the market is up, averaging out the cost of your investment over time. This mitigates the risk of investing a lump sum at a market peak.
Accessibility: SIPs make investing accessible to everyone, even with limited capital. You can start with relatively small amounts and gradually increase your investment as your income grows.
Long-Term Growth: The power of compounding works wonders in SIPs. Over the long term, even small, consistent investments can grow substantially.

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
Equity Fund SBI Life Rating	11.44%	12.7%	12.66% View Plan
Opportunities Fund HDFC Life Rating	19.5%	16.35%	15.9% View Plan
High Growth Fund Axis Max Life Rating	29.43%	23.7%	18.4% View Plan
US Growth Fund ICICI Prudential Life Rating	15.25%	-	18.03% View Plan
Multi Cap Fund Tata AIA Life Rating	29%	23.3%	21.27% View Plan
Accelerator Mid-Cap Fund II Bajaj Life Rating	15.28%	14.61%	14.79% View Plan
Multiplier Birla Sun Life Rating	19.5%	16.73%	15.9% View Plan
Pension Mid Cap Fund PNB MetLife Rating	31.41%	24.68%	18.41% View Plan
Growth Plus Fund Canara HSBC Life Rating	11.1%	11.65%	11.78% View Plan
US Equity Fund Star Union Dai-ichi Life Rating	14.54%	-	14.6% View Plan

Fund rating powered by

Last updated: Jan 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	35.31%	N/A	N/A	₹500	35.07%
Bandhan Small Cap Fund Regular-Growth	₹14,062.19 Crs	29.34%	30.26%	N/A	₹1,000	31.59%
Motilal Oswal Midcap Fund Regular-Growth	₹33,608.53 Crs	25.97%	33.24%	17.66%	₹500	22.31%
ICICI Prudential Infrastructure Fund-Growth	₹7,941.20 Crs	28.79%	37.23%	17.14%	₹5,000	15.97%
Canara Robeco Large Cap Fund Regular-Growth	₹16,406.92 Crs	16.08%	17.34%	13.87%	₹100	12.99%
Mirae Asset Large Cap Fund Direct- Growth	₹39,975.32 Crs	14.85%	17.48%	14.46%	₹5,000	16.26%
Kotak Midcap Fund Regular-Growth	₹57,375.20 Crs	22.42%	27.51%	18.07%	₹100	15.26%
SBI Small Cap Fund-Growth	₹35,562.96 Crs	13.89%	23.99%	18.17%	₹5,000	19.25%
SBI Gold ETF	₹8,810.86 Crs	31.81%	17.85%	15.14%	₹5,000	12.57%

Updated as of Jan 2026

Compare more funds

Buying the Dip Results in Higher Returns

When Is the Best Time to Invest in an SIP?

The answer is simple: The best time to invest in SIP is now. While market timing is often debated, for SIPs, time in the market is more important than timing the market. Here's why:

Start Now, Reap the Rewards of Compounding

The earlier you start investing, the more time your money has to grow. Compounding, the process of earning returns on your initial investment and the accumulated interest, plays an important role in wealth creation. The longer your investment horizon, the more significant the impact of compounding.
- For Young Investors (20s-30s): You have the greatest advantage – time. Starting early allows your investments to compound over a longer period, potentially generating substantial wealth for future goals like retirement, a down payment on a house, or children's education.
- For Mid-Career Professionals (40s-50s): While you may have less time than younger investors, starting a SIP now can still help you achieve your financial goals. Consistent investing can build a comfortable retirement fund.
Stable Income

Before starting an SIP, ensure you have a stable and reliable source of income. Your SIP contributions should be a comfortable part of your budget, not a financial strain. Assess your income and expenses to determine a realistic amount you can invest regularly without compromising your financial stability.
The Beginning of the Month

Many financial advisors recommend starting your SIP at the beginning of the month, ideally soon after receiving your salary. This approach offers several benefits:
- Financial Discipline: Investing early in the month prioritizes your savings and prevents impulsive spending.
- Avoid Procrastination: Delaying your SIP can lead to missed opportunities and reduced returns.
- Rupee Cost Averaging: Consistent investments at the start of the month allow you to participate in rupee cost averaging, buying more units when the market is down and fewer units when it's up.
Lump Sum Gains and Special Occasions

While regular SIPs are ideal for consistent investing, you can also consider starting a SIP when you receive a lump sum of money, such as a bonus, inheritance, or tax refund. This can give your investment portfolio a boost.

Special occasions, like birthdays, anniversaries, or festivals, can also be a good time to start a SIP. It can be a symbolic way to mark the occasion and invest in your future.
Goal-Oriented Investing

Investing with a specific financial goal in mind can be a powerful motivator. Whether you're saving for a down payment, retirement, or your child's education, having a clear objective helps you determine the amount you need to invest and stay committed to your SIP.

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 ₹1.03 Cr

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)

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

Other Important Things to Consider Before Investing in SIP

Here are some other factors to consider:

Risk Tolerance: Understand your risk tolerance before investing in mutual funds or other market-linked funds. Choose funds that match your risk appetite.
Financial Goals: Define your financial goals and choose funds that can help you achieve them.
Fund Performance: Research the past performance of the mutual funds you're considering, but remember that past performance is not indicative of future results.
Expense Ratio: Consider the expense ratio of the mutual fund, as it can affect your overall returns.

Conclusion

The best time to invest in the Best SIP Plans is not about timing the market; it's about starting as early as possible and staying invested for the long term. Consistency, discipline, and a goal-oriented approach are key to successful SIP investing. So, don't wait for the "perfect" moment. Start your SIP today and embark on your journey towards financial freedom.

FAQs

Can I start a SIP with a small amount?

Yes, many mutual funds allow you to start a SIP with relatively small amounts, making it accessible to a wide range of investors.
How often should I invest in a SIP?

Usually, SIPs are done monthly. However, some funds may offer weekly or quarterly options. Monthly SIPs are the most common and often recommended.
What is Rupee Cost Averaging?

Rupee Cost Averaging is the process of investing a fixed sum of money at regular intervals, regardless of the market conditions. This strategy helps you buy more units when prices are low and fewer units when prices are high, averaging out the cost of your investment over time.

Best Time to Invest in SIP

Best SIP Funds

What is an SIP?

When Is the Best Time to Invest in an SIP?

Start Now, Reap the Rewards of Compounding

Stable Income

The Beginning of the Month

Lump Sum Gains and Special Occasions

Goal-Oriented Investing

SIP Calculator

Other Important Things to Consider Before Investing in SIP

Conclusion

FAQs

Can I start a SIP with a small amount?

How often should I invest in a SIP?

What is Rupee Cost Averaging?

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