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Best Edelweiss life SIP Plans
Here is a list of the mutual fund schemes for best SIP plans to invest in 2026:
| Mutual Funds |
| Fund Names |
Category |
1 Year Returns |
Risk |
| Edelweiss Aggressive Hybrid Fund |
Hybrid |
15.9% |
Very High |
| Edelweiss Liquid Fund |
Debt |
7.5% |
Low to Moderate |
| Edelweiss Small Cap Fund |
Equity |
13.8% |
Very High |
| Edelweiss Large Cap Fund |
Equity |
12.7% |
Very High |
| Edelweiss Arbitrage Fund |
Hybrid |
8.1% |
Low |
Details of Edelweiss Life Mutual Funds SIP Plans
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Edelweiss Aggressive Hybrid Fund
To generate long-term capital growth and current income by investing predominantly in equity and equity-related instruments, with the balance in debt and money market securities.
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Risk Profile: Very High
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Expense Ratio: 0.36% of January 31, 2025.
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Exit Load: 1% will be charged for redemption within 90 days for units in excess of 10% of the investment.
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Minimum Investment: Rs 100
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Fund Size: Rs 2363 crore as of December 31, 2024.
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Returns:
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1-year: 16.17%
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3-year: 18.02%
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5-year: 19.09%
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Suitable for: Investors seeking long-term growth with a higher risk tolerance and a preference for a mix of equity and debt.
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Edelweiss Liquid Fund
To provide liquidity and generate reasonable returns through investments in the money market and debt instruments.
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Risk Profile: Low
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Expense Ratio: 0.09% as of January 31, 2025.
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Exit Load: 0.007%
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Minimum Investment: Rs 100
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Fund Size: Rs 5489 crore as of January 31, 2025.
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Returns:
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1-year: 7.5%
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3-year: 6.64%
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5-year: 5.51%
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Suitable for: Investors seeking a safe and liquid investment option with low risk and a short-term investment horizon.
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Edelweiss Small Cap Fund
Aims to generate long-term capital appreciation by investing predominantly in equity and equity-related securities of small-cap companies.
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Fund Size (AUM): ₹4,428 crore as of January 31, 2025.
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Expense Ratio: 0.4% as of January 31, 2025.
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Minimum Investment: ₹500
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Exit Load: 1% if redeemed within 90 days.
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Risk: Very High
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Returns:
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1-year: 14.4%
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3-year: 21.25%
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5-year: 30%
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Suitability: Ideal for investors with a high-risk tolerance and a long-term investment horizon (7+ years). Small-cap funds can be more volatile but offer higher growth potential.
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Edelweiss Large Cap Fund
To generate long-term capital growth by investing predominantly in equity and related securities of the 100 largest companies by market capitalization in India.
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Risk Profile: Very High
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Expense Ratio: 0.62% as of January 31, 2025.
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Exit Load: 1.0%
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Minimum Investment: Rs 500
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Fund Size: Rs 1,110 crore as of January 31, 2025.
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Returns:
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1-year: 12.93%
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3-year: 15.75%
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5-year: 17.67%
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Suitable for: This fund is suitable for investors seeking long-term capital growth through investment in large-cap companies. It is ideal for those with a higher risk tolerance and an investment horizon of 5 years or more
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Edelweiss Arbitrage Fund
The fund primarily capitalizes on arbitrage opportunities arising from price differences in the cash and derivatives markets of equities. This involves simultaneously buying and selling the same asset in different markets to profit from the price gap.
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Risk Profile: Low
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Expense Ratio: 0.39% as of January 31, 2025.
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Exit Load: 0.1%
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Minimum Investment: Rs 500
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Fund Size: Rs 12,136 crore as of January 31, 2025.
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Returns:
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1-year: 8.03%
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3-year: 7.22%
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5-year: 6.25%
Below are some of the best Edelweiss life ULIP Plans for SIPs in India:
| ULIP Plans |
| Plan Names |
Entry Age |
Minimum Annual Investment |
| Edelweiss Life – Wealth Plus |
1 year |
₹48,000 |
| Edelweiss Life – Wealth Rise+ |
0-18 years |
₹75,000 |
Details of Edelweiss life ULIP SIP Plans
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Edelweiss Life - Wealth Plus
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It is a unit-linked, non-participating, individual savings life insurance product.
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It provides a life cover that ensures financial protection for your family in case of your death.
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It offers a Rising Star Benefit to cater to your children’s future financial needs, even in your absence.
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The plan includes additions such as extra allocation in the first 5 policy years and premium boosters from the 6th policy year.
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There are two investment strategies available: Life Stage & Duration Based Strategy and Self-Managed Strategy.
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The Life Stage & Duration Based Strategy automatically shifts money from equity to debt as you age and the policy term reduces.
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The Self-Managed Strategy lets you invest in funds of your choice and switch between them.
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You can make partial withdrawals from the 6th policy year onwards.
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The minimum entry age is 1 year, and the maximum is 55 years.
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The policy term ranges from 10 to 20 years.
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Liquidity is not available for the first 5 years of the contract.
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There is an option to receive the maturity benefit in lump sum or installments.
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Top-up premiums are allowed any time except during the last 5 years of the policy, and cannot exceed the total base premiums paid.
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The plan offers free switching between funds if you choose the Self-Managed Strategy.
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Premium redirection is available for those with a Self-Managed Strategy, allowing you to change the allocation of future premiums.
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Edelweiss Life - Wealth Rise+
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It is a unit-linked, non-participating, individual, savings, life insurance product.
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It provides a life cover at all times during the policy tenure, with an option for an enhanced cover.
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Premiums can be as low as Rs. 500 per month, making it easy to start saving early.
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The plan offers fund additions to boost your fund value at regular intervals during the policy tenure.
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A guaranteed lump sum is added to your fund value at maturity in the Base Cover Option.
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There are two investment strategies: Self-Managed or Life Stage and Duration based Strategy.
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The Self-Managed Strategy lets you invest in any of the 7 funds.
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The Life Stage & Duration Based Strategy moves money from equity to debt as you age and the policy term reduces.
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It provides an option to systematically withdraw fund value every month/quarter/half-year/year from the 10th policy year.
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Base Cover provides a life cover of 7 to 10 times the annualized premium, while Enhanced Cover provides a minimum of 15 times the annualized premium.
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Loyalty additions, booster additions, and maturity additions are offered under the Base Cover option.
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The plan offers a Little Star Benefit if the life insured is a minor.
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You can choose a fixed policy term or a whole life policy term.
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Minimum entry age is 0 years (with Little Star Benefit) and 18 years (without Little Star Benefit).
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Liquidity is not available for the first 5 years of the contract.
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Top-up premiums are allowed with a 5-year lock-in period.
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The plan offers free switching between funds under the Self-Managed Strategy.
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Premium redirection is available for those with a Self-Managed Strategy.
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Partial withdrawals are allowed from the 6th policy year.
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A systematic withdrawal plan (SWP) is available under the Base Cover option from the 10th policy year.
What are SIP Plans?
SIP stands for Systematic Investment Plan. It is a smart and hassle-free way of investing in mutual funds and other market-linked schemes. With SIP, you can invest a fixed amount of money at regular intervals, such as weekly, monthly, or quarterly, in a scheme of your choice. This disciplined approach to investing helps you accumulate wealth over the long term without having to worry about market fluctuations.
Why Should You Choose SIP Plans?
Below are the reasons why you should choose the best sip plans to invest in:
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Disciplined Investing: SIPs encourage consistent investing habits by deducting a fixed amount from your bank account regularly. This helps you save and invest without trying to time the market.
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Rupee Cost Averaging: By investing regularly, you buy more units when the market is down and fewer when it's up. This averages out your purchase cost over time, reducing the impact of market volatility.
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Power of Compounding: Your returns earn returns over time, leading to exponential growth. SIPs allow you to benefit from this compounding effect by reinvesting your earnings.
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Affordability: You can start with small amounts, making SIPs accessible to a wide range of investors.
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Flexibility: You can easily start, stop, or adjust your SIP amount based on your financial situation.
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Convenience: SIPs are automated, so you don't have to worry about making manual transactions each month.
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Goal-Oriented: SIPs can help you systematically achieve long-term financial goals like retirement, education, or buying a house.
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No Need to Time the Market: SIPs eliminate the stress of trying to predict market highs and lows.
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Diversification: Mutual funds, in which you invest through SIPs, offer diversification across various asset classes and sectors, reducing your overall risk.
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Professional Management: Your investments are managed by professional fund managers who have expertise in market analysis and investment strategies.
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Tax Efficiency: Some SIPs, like Equity Linked Savings Schemes (ELSS), offer tax benefits under Section 80C of the Income Tax Act.
