Daily SIP

What is a Daily SIP?

A Daily Systematic Investment Plan (SIP) is a method of investing in mutual funds where you invest a fixed amount of money every day. This is different from traditional SIPs, which involve investing a fixed amount monthly or quarterly. Daily SIPs offer more flexibility and can be a great way to start investing with smaller amounts. By investing consistently, you can benefit from rupee cost averaging, which helps reduce the impact of market volatility over the long term.

Best Daily SIP Plans

Below are the best SIP plans that can be used for daily SIPs: 

Details of the Best Daily SIP Plans

Below are the details of daily SIP plans:

1. ICICI Prudential India Opportunities Fund - Growth

   The investment objective is to generate long-term capital appreciation by investing in opportunities presented by special situations such as corporate restructuring, government policy and/or regulatory changes, companies facing temporary unique challenges, and similar instances.

   Parameters	Details
   Fund Name	ICICI Prudential India Opportunities Fund - Growth
   NAV	₹ 37.70 (as on 5th December, 2025)
   AUM	₹29,718.06 Crs
   Expense Ratio	1.58%
   Return 5 Years	32.09%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	15th January, 2019
   Asset Allocation	Equity: 95.28%, Debt: 0.79%, Others: 3.93%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Axis Bank Ltd Infosys Ltd Sun Pharmaceutical Industries Ltd ICICI Bank Ltd Reliance Industries Ltd Larsen & Toubro Ltd State Bank of India HDFC Bank Ltd Repo NTPC Ltd
   Fund Managers	Divya Jain Sankaran Naren Roshan Chutkey Sharmila D'Silva
   Fund Type	Open-ended

2. Tata Balanced Advantage Fund Regular - Growth

   This fund aims to provide capital appreciation and income distribution to investors by using equity derivatives strategies, arbitrage opportunities, and direct equity investments.

   Parameters	Details
   Fund Name	Tata Balanced Advantage Fund Regular - Growth
   NAV	₹ 21.02 (as on 5th December, 2025)
   AUM	₹10,030.96 Crs
   Expense Ratio	1.7%
   Return 5 Years	12.39%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	28th January, 2019
   Asset Allocation	Equity: 55.74%, Debt: 25.39%, Others: 16.36%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	Cash Margin Repo HDFC Bank Ltd Reliance Industries Ltd Cash/Net Current Assets ICICI Bank Ltd Net Current Assets Bharti Airtel Ltd Larsen & Toubro Ltd State Bank of India
   Fund Managers	Sailesh Jain Akhil Mittal Rahul Singh
   Fund Type	Open-ended

   
   
   

3. HDFC Large and Mid Cap Fund Regular- Growth

   The objective is to generate long-term capital appreciation and income by investing predominantly in equity and equity-related instruments of large-cap and mid-cap companies, using a combination of bottom-up and top-down investment strategies.

   Parameters	Details
   Fund Name	HDFC Large and Mid Cap Fund Regular- Growth
   NAV	₹ 348.88 (as on 6th December, 2025)
   AUM	₹26,406.25 Crs
   Expense Ratio	1.64%
   Return 5 Years	26.03%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	18th February, 1994
   Asset Allocation	Equity: 98.08%, Others: 1.57%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	HDFC Bank Ltd ICICI Bank Ltd Bharti Airtel Ltd Infosys Ltd Axis Bank Ltd Fortis Healthcare Ltd Mphasis Ltd Repo Max Financial Services Ltd Maruti Suzuki India Ltd
   Fund Managers	Gopal Agrawal Dhruv Muchhal
   Fund Type	Open-ended

4. UTI Flexi Cap Fund Regular Plan-Growth

   The primary objective is long-term capital appreciation by investing predominantly in equity and equity-related securities of companies across the market capitalization spectrum, without any bias towards market cap category.

   Parameters	Details
   Fund Name	UTI Flexi Cap Fund Regular Plan-Growth
   NAV	₹ 328.10 (as on 5th December, 2025)
   AUM	₹25,685.44 Crs
   Expense Ratio	1.66%
   Return 5 Years	14.75%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	NA
   Asset Allocation	Equity: 96.61%, Debt: 0.22%, Others: 3.17%
   Top Sectors	Consumer Staples Diversified Financial Healthcare Materials Technology Consumer Discretionary Industrials
   Top Holdings	ICICI Bank Ltd Bajaj Finance Ltd HDFC Bank Ltd Zomato Ltd Avenue Supermarts Ltd Info Edge (India) Ltd Net Current Assets Kotak Mahindra Bank Ltd LTIMindtree Ltd Persistent Systems Ltd
   Fund Managers	Ajay Tyagi Ravi Gupta Kamal Gada
   Fund Type	Open-ended

5. SBI Small Cap Fund-Growth

   This scheme seeks to provide investors with opportunities for long-term growth in capital along with the liquidity of an open-ended scheme by investing predominantly in a diversified basket of equity stocks of small cap companies.

   Parameters	Details
   Fund Name	SBI Small Cap Fund-Growth
   NAV	₹ 168.25 (as on 5th December, 2025)
   AUM	₹35,562.96 Crs
   Expense Ratio	1.57%
   Return 5 Years	23.99%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	9th September, 2009
   Asset Allocation	Equity: 93.27%, Debt: 2.57%, Others: 4.16%
   Top Sectors	Technology Energy & Utilities Consumer Discretionary Industrials Consumer Staples Financial Healthcare Materials Real Estate
   Top Holdings	Repo Nifty Index 28-Aug-25 Nifty Index 28-OCT-25 Nifty Index 25-11-2025 Ather Energy Ltd. Bank Nifty Index 28-Aug-25 Bank Nifty Index 25-11-2025 Bank Nifty Index 28-OCT-25 EID-Parry (India) Ltd Kalpataru Power Transmission Ltd
   Fund Managers	Pradeep Kesavan Rama Iyer Srinivasan
   Fund Type	Open-ended

6. Nippon India Small Cap Fund - Growth

   The primary investment objective here is to generate long-term capital appreciation by investing predominantly in equity and equity-related instruments of small cap companies. The secondary objective is to generate consistent returns by investing in debt and money market securities.​

   Parameters	Details
   Fund Name	Nippon India Small Cap Fund - Growth
   NAV	₹ 165.50 (as on 5th December, 2025)
   AUM	₹65,922.00 Crs
   Expense Ratio	1.4%
   Return 5 Years	32.35%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	16th September, 2010
   Asset Allocation	Equity: 95.87%, Debt: 0.02%, Others: 4.11%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	Repo Multi Commodity Exchange Of India Ltd HDFC Bank Ltd State Bank of India Karur Vysya Bank Ltd Kirloskar Brothers Ltd Paradeep Phosphates Ltd Apar Industries Ltd Elantas Beck India Ltd eClerx Services Ltd
   Fund Managers	NA
   Fund Type	Open-ended

   
   
   

7. Axis Midcap Fund Regular-Growth

   The objective is to achieve long-term capital appreciation by investing predominantly in equity and equity-related instruments of mid cap companies. The fund follows a bottom-up stock picking strategy and maintains a diversified mid-cap focused portfolio.

   Parameters	Details
   Fund Name	Axis Midcap Fund Regular-Growth
   NAV	₹ 113.60 (as on 5th December, 2025)
   AUM	₹31,383.93 Crs
   Expense Ratio	1.56%
   Return 5 Years	21.84%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	18th February, 2011
   Asset Allocation	Equity: 94.19%, Debt: 5.79%, Others: 0.01%
   Top Sectors	Materials Real Estate Technology Energy & Utilities Financial Healthcare Consumer Discretionary Industrials Consumer Staples Diversified
   Top Holdings	Others CBLO Fortis Healthcare Ltd Coromandel International Ltd The Federal Bank Ltd UNO Minda Ltd JK Cement Ltd The Indian Hotels Company Ltd Bharti Hexacom Ltd. GE T&D India Ltd Dixon Technologies (India) Ltd
   Fund Managers	Krishnaa Narayan Shreyash Devalkar Nitin Arora
   Fund Type	Open-ended

8. Aditya Birla Sun Life Liquid Fund Regular-Growth

   The objective of this scheme is to provide reasonable returns at a high level of safety and liquidity through judicious investments in high-quality debt and money market instruments.

   Parameters	Details
   Fund Name	Aditya Birla Sun Life Liquid Fund Regular-Growth
   NAV	₹ 431.36 (as on 6th December, 2025)
   AUM	₹51,913.25 Crs
   Expense Ratio	0.35%
   Return 5 Years	5.66%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at moderate risk
   Launch Date	NA
   Asset Allocation	Debt: 100.57%, Others: -0.57%
   Top Sectors	NA
   Top Holdings	Reverse Repo HDFC BANK LIMITED CD 04DEC25 GOVERNMENT OF INDIA 36402 091 DAYS TBILL 04DC25 FV RS 100 RBL BANK LIMITED CD 17DEC25 CENTRAL GOVERNMENT LOAN 12006 GOI 24SP25 8.20 FV RS 100 GOVERNMENT OF INDIA 36026 091 DAYS TBILL 28AG25 FV RS 100 BANK OF INDIA CD 04DEC25 CANARA BANK CD 18SEP25 INDUSIND BANK LTD. CD 18NOV25 GOVERNMENT OF INDIA 35195 364 DAYS TBILL 27NV25 FV RS 100
   Fund Managers	Sunaina da Cunha Kaustubh Gupta Sanjay Pawar
   Fund Type	Open-ended

How Does Daily SIP Work?

Daily SIPs work by automatically deducting a small amount from your bank account every day. This amount is then invested in a chosen mutual fund or market-linked fund scheme. The key advantage of this approach is that it allows you to invest regularly, even if you have limited funds available.  

Here’s how daily SIP works:

• Choose a market-linked fund: You select a fund scheme that aligns with your investment goals and risk tolerance.
• Set a daily investment amount: You decide how much you want to invest each day.
• Authorize bank mandate: You provide your bank details and authorize a recurring mandate for daily deductions.
• Daily investment: On each trading day, the specified amount is deducted from your account and invested in the chosen market-linked fund.
• Accumulation of units: Over time, you accumulate units of the fund, and your investment grows based on the fund's performance.

What are the Benefits of Daily SIP? 

Below are the benefits of daily SIP: 

• Rupee Cost Averaging: This strategy helps mitigate the impact of market volatility. You buy more units when the NAV (Net Asset Value) is low and fewer units when the NAV is high, potentially reducing the average cost of your investment over time.
• Discipline: Daily SIPs create a disciplined approach to investing by encouraging regular contributions, regardless of market conditions.
• Accessibility: With small daily investments, Daily SIPs are accessible to investors with limited funds, making it easier to start investing.
• Flexibility: You can pause or stop the investment at any time, providing flexibility in your financial planning.
• Convenience: Daily SIPs are automated, making it easy to invest without the need for constant monitoring.
• Potential for Long-Term Growth: Consistent investing over a long period can help you accumulate wealth and benefit from the power of compounding.

Factors to Consider Before Starting Daily SIP 

Below are the points to consider before starting daily SIP: 

1. Investment Goals

   • Short-term or long-term: Determine whether you're investing for short-term goals like buying a house or long-term objectives like retirement.
   • Risk tolerance: Determine your comfort level with market fluctuations to choose appropriate fund types.

2. Financial Situation

   • Emergency fund: Ensure you have an adequate emergency fund to cover unexpected expenses before starting SIPs.
   • Debt: If you have high-interest debt, consider paying it off first before investing.
   • Income: Evaluate your income and expenses to determine how much you can allocate to investments.

3. Lock-in Period

   • Exit load: Some funds have exit loads, which are penalties for withdrawing your investment before a certain period. Consider the lock-in period before investing.

4. Tax Implications

   • Tax benefits: Understand the tax implications of investing in market-linked funds. Some funds offer tax benefits under specific tax regimes.

5. Market Volatility

   • Risk tolerance: Be prepared for market fluctuations and avoid making impulsive decisions based on short-term price movements.
   • Long-term perspective: Focus on the long-term benefits of investing and stay patient during market downturns.

6. Review and Rebalance

   • Regular review: Periodically review your investments to ensure they align with your goals and risk tolerance.
   • Rebalancing: Rebalance your portfolio to maintain your desired asset allocation as market conditions change.

How to Start a Daily SIP?

• Choose a Platform: Select a reliable online investment platform or consult with a financial advisor.
• Select Funds: Research and choose a mutual fund or market-linked fund that aligns with your investment goals and risk tolerance.
• Set Up Automatic Contributions: Authorize your bank to deduct a fixed amount daily from your account.
• Monitor and Review: Regularly track your investment performance and make adjustments as needed.

Daily SIP Calculator 

A Daily SIP Calculator is a financial tool that helps you estimate the potential returns on your Systematic Investment Plan (SIP) investments. By inputting details like the daily investment amount, expected annual return, and investment tenure, the calculator projects your future corpus. This tool empowers you to make informed investment decisions and visualize the power of consistent, disciplined investing over time. It's a valuable resource for anyone looking to grow their wealth steadily and systematically.

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)

13.18%

Equity Pension

15.49%

Global Equity Index Funds Strategy

19.07%

High Growth Fund

13.4%

Opportunities Fund

21.09%

Multi Cap Fund

14.39%

Accelerator Mid-Cap Fund II

15.84%

Multiplier

14.73%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

11.46%

Growth Plus Fund

14.82%

US Equity Fund

15.19%

Growth Opportunities Plus Fund

11.84%

Equity Top 250 Fund

14.24%

Future Apex Fund

12.17%

Pension Dynamic Equity Fund

14.64%

Pension Enhanced Equity

Daily SIP vs Monthly SIP

A Daily SIP involves investing a fixed amount every business day. A Monthly SIP involves investing a fixed sum in a fund scheme once a month. Below is a comprehensive comparison between daily SIP vs monthly SIP:

Conclusion

Daily SIPs can be an effective strategy for investors looking to minimize risk by consistently investing in the market, regardless of its short-term movements. It encourages disciplined saving while potentially lowering the overall purchase cost of fund units. However, the higher transaction frequency may come with additional costs, and it requires greater dedication to maintain daily contributions. For those who prefer smaller, more manageable investments and wish to capitalize on market fluctuations, daily SIPs can offer an efficient way to build wealth steadily over time.