Benefits of SIPs

Systematic Investment Plans (SIPs) offer a disciplined and convenient way to invest in mutual and market-linked funds. They allow investors to contribute regularly, irrespective of market conditions, making them a smart choice for achieving financial goals. With benefits like affordability, rupee cost averaging, and compounding, SIPs empower individuals to grow wealth consistently over time.

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SIP Plan Benefits
Start SIP with as low as ₹1000
Start SIP with as low as ₹1000
No hidden charges
No hidden charges
Save upto ₹46,800 in Tax
Save upto ₹46,800 in Taxunder section 80C^
Zero LTCG Tax
Zero LTCG Tax
Disciplined & worry-free investing
Disciplined & worry-free investing

Best SIP Funds

Tax Saving FundsLarge Cap Low Return FundsMid Cap Mid Return FundsMulti CapDebt FundsShariah FundsBalanced Funds
Payment Mode
Invest
₹ 10,000
Invest for
AUM (Cr)

₹10,929

NAV

₹119.55

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 29.3 22.69 17.8 %

View Fund
Instant tax receipt
AUM (Cr)

₹2,606

NAV

₹74.33

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.7 17.98 16 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,292

NAV

₹72.05

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.88 17.74 15.22 %

View Fund
Instant tax receipt
AUM (Cr)

₹35,507

NAV

₹78.83

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.9 16.66 14.7 %

View Fund
Instant tax receipt
AUM (Cr)

₹5,476

NAV

₹83.53

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.13 14.65 14.53 %

View Fund
Instant tax receipt
AUM (Cr)

₹426

NAV

₹70.77

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 18.1 15.68 14.53 %

View Fund
Instant tax receipt
AUM (Cr)

₹4,466

NAV

₹71.12

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.94 16.9 14.41 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,538

NAV

₹42.72

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.81 15.01 14.11 %

View Fund
Instant tax receipt
AUM (Cr)

₹232

NAV

₹51.7

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.75 16.84 14.04 %

View Fund
Instant tax receipt
AUM (Cr)

₹108

NAV

₹58.1

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.91 16.65 13.77 %

View Fund
Instant tax receipt
AUM (Cr)

₹2,606

NAV

₹74.33

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.7 17.98 16 %

View Fund
AUM (Cr)

₹3,292

NAV

₹72.05

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.88 17.74 15.22 %

View Fund
AUM (Cr)

₹426

NAV

₹70.77

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 18.1 15.68 14.53 %

View Fund
AUM (Cr)

₹4,466

NAV

₹71.12

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.94 16.9 14.41 %

View Fund
AUM (Cr)

₹3,538

NAV

₹42.72

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.81 15.01 14.11 %

View Fund
AUM (Cr)

₹232

NAV

₹51.7

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.75 16.84 14.04 %

View Fund
AUM (Cr)

₹108

NAV

₹58.1

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.91 16.65 13.77 %

View Fund
AUM (Cr)

₹7,238

NAV

₹156.46

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.74 14.8 13.62 %

View Fund
AUM (Cr)

₹2,922

NAV

₹70.31

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.43 14.89 13.28 %

View Fund
AUM (Cr)

₹12,581

NAV

₹84.63

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.79 14.45 13.18 %

View Fund
AUM (Cr)

₹10,929

NAV

₹119.55

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 29.3 22.69 17.8 %

View Fund
AUM (Cr)

₹35,507

NAV

₹78.83

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.9 16.66 14.7 %

View Fund
AUM (Cr)

₹5,476

NAV

₹83.53

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.13 14.65 14.53 %

View Fund
AUM (Cr)

₹8,754

NAV

₹64.78

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 25.94 22.89 20.52 %

View Fund
AUM (Cr)

₹9

NAV

₹10.48

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.5 15.5 %

View Fund
AUM (Cr)

₹1,006

NAV

₹74.71

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.85 16.38 14.74 %

View Fund
AUM (Cr)

₹13,497

NAV

₹71.27

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.14 15.63 13.47 %

View Fund
AUM (Cr)

₹1,104

NAV

₹55.92

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.71 14.94 12.77 %

View Fund
AUM (Cr)

₹523

NAV

₹59.13

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.19 13.95 11.62 %

View Fund
AUM (Cr)

₹264

NAV

₹28.88

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 10.39 11.21 10.88 %

View Fund
AUM (Cr)

₹823

NAV

₹40.98

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.99 7.75 7.56 %

View Fund
AUM (Cr)

₹480

NAV

₹38.64

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.63 7.91 7.4 %

View Fund
AUM (Cr)

₹151

NAV

₹35.1

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.43 7.37 7.21 %

View Fund
AUM (Cr)

₹122

NAV

₹29.78

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 6.02 7.12 7.13 %

View Fund
AUM (Cr)

₹76

NAV

₹41.34

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.54 7.31 7.11 %

View Fund
AUM (Cr)

₹189

NAV

₹47.25

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 4.88 7.15 6.98 %

View Fund
AUM (Cr)

₹18,605

NAV

₹50.22

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.45 7.22 6.93 %

View Fund
AUM (Cr)

₹7,201

NAV

₹32.5

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.02 6.97 6.92 %

View Fund
AUM (Cr)

₹91

NAV

₹39.14

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.4 7.35 6.89 %

View Fund
AUM (Cr)

₹883

NAV

₹100.9

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.83 17.53 15.44 %

View Fund
AUM (Cr)

₹354

NAV

₹48.86

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.46 12.07 10.68 %

View Fund
AUM (Cr)

₹64

NAV

₹61.46

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.14 10.59 10.18 %

View Fund
AUM (Cr)

₹5,437

NAV

₹40.67

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.59 11.19 10.12 %

View Fund
AUM (Cr)

₹478

NAV

₹104.88

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.37 10.81 10.08 %

View Fund
AUM (Cr)

₹22,111

NAV

₹74.28

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.24 10.78 10 %

View Fund
AUM (Cr)

₹278

NAV

₹32.22

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.45 10.72 9.92 %

View Fund
AUM (Cr)

₹821

NAV

₹40.07

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.51 11.03 9.88 %

View Fund
AUM (Cr)

₹7,378

NAV

₹111.97

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.03 10.87 9.84 %

View Fund
AUM (Cr)

₹1,915

NAV

₹44.28

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.97 10.86 9.67 %

View Fund
AUM (Cr)

₹1,295

NAV

₹80.65

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 18.34 15.27 13.75 %

View Fund
AUM (Cr)

₹7,238

NAV

₹156.46

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.74 14.8 13.62 %

View Fund
AUM (Cr)

₹2,922

NAV

₹70.31

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.43 14.89 13.28 %

View Fund
View More

What are SIPs (Systematic Investment Plans)?

A Systematic Investment Plan (SIP) is a disciplined approach to investing in mutual funds or market-linked funds. Through SIPs, investors can allocate a fixed sum of money regularly—monthly, quarterly, or annually—into a fund scheme of their choice. This method promotes consistent investing and helps build wealth over time by using the principles of rupee cost averaging and the power of compounding.

  • Insurance Companies
  • Mutual Funds
Returns
Fund Name 5 Years 7 Years 10 Years
Top 300 Fund SBI Life
Rating
 15.78% 13.6%
12.42%
View Plan
Opportunities Fund HDFC Life
Rating
 21.9% 16.66%
14.7%
View Plan
High Growth Fund Axis Max Life
Rating
 29.3% 22.69%
17.8%
View Plan
Pension India Consumption Fund ICICI Prudential Life
Rating
 20.5% -
15.5%
View Plan
Multi Cap Fund Tata AIA Life
Rating
 25.94% 22.89%
20.52%
View Plan
Accelerator Mid-Cap Fund II Bajaj Life
Rating
 21.13% 14.65%
14.53%
View Plan
Multiplier Birla Sun Life
Rating
 23.51% 17.02%
15.85%
View Plan
Pension Mid Cap Fund PNB MetLife
Rating
 31.41% 24.68%
18.41%
View Plan
Equity II Fund Canara HSBC Life
Rating
 16.82% 12.4%
10.88%
View Plan
US Equity Fund Star Union Dai-ichi Life
Rating
 14.69% -
13.87%
View Plan
Fund rating powered by
Last updated: Oct 2025
Compare more funds

  Returns
Fund Name 3 Years 5 Years 10 Years
Active Fund QUANT 23.92% 31.48%
21.87%
Flexi Cap Fund PARAG PARIKH 20.69% 26.41%
19.28%
Large and Mid-Cap Fund EDELWEISS 22.34% 24.29%
17.94%
Equity Opportunities Fund KOTAK 24.64% 25.01%
19.45%
Large and Midcap Fund MIRAE ASSET 19.74% 24.32%
22.50%
Flexi Cap Fund PGIM INDIA 14.75% 23.39%
-
Flexi Cap Fund DSP 18.41% 22.33%
16.91%
Emerging Equities Fund CANARA ROBECO 20.05% 21.80%
15.92%
Focused fund SUNDARAM 18.27% 18.22%
16.55%

Last updated: August 2025

Compare more funds

Buying the Dip Results in Higher ReturnsBuying the Dip Results in Higher Returns

Benefits of SIPs

Below are the benefits of SIPs (Systematic Investment Plans): 

  • Disciplined Investing: SIPs encourage consistent investment habits, helping you save and invest regularly without worrying about market timing.

  • Affordability: You can start with small amounts (e.g., ₹500), making it accessible to investors with varied budgets.

  • Rupee Cost Averaging: By investing a fixed amount regularly, you buy more units when prices are low and fewer units when prices are high, reducing the impact of market volatility.

  • Power of Compounding: Regular investments and reinvestment of returns over time help grow your wealth exponentially.

  • Convenience and Flexibility: SIPs are hassle-free, automated, and can be customized based on your goals and budget. You can increase, decrease, or stop investments as needed.

  • Goal-Based Planning: SIPs can help you systematically achieve financial goals like retirement planning, education funding, or buying a home.

  • No Need to Time the Market: SIPs eliminate the stress of predicting market highs and lows, making them ideal for long-term wealth creation.

  • Diversification: Investing through the best SIP plans in mutual funds or market-linked funds provides exposure to a diversified portfolio, spreading risk across various asset classes.

SIP Calculator

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
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Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
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Total Wealth ₹22.4 L
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
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Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
% Annually
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Monthly Investment ₹22.4 L
View Plans
Top Funds with High Returns (Past 7 Years)
Equity Pension
12.6%
Equity Pension
Global Equity Index Funds Strategy
16.14%
Global Equity Index Funds Strategy
High Growth Fund
17.8%
High Growth Fund
Pension India Consumption Fund
15.5%
Pension India Consumption Fund
Multi Cap Fund
20.52%
Multi Cap Fund
Accelerator Mid-Cap Fund II
14.53%
Accelerator Mid-Cap Fund II
Multiplier
15.85%
Multiplier
Frontline Equity Fund
14.41%
Frontline Equity Fund
Pension Mid Cap Fund
18.41%
Pension Mid Cap Fund
Equity II Fund
10.88%
Equity II Fund
US Equity Fund
13.87%
US Equity Fund
Growth Opportunities Plus Fund
14.74%
Growth Opportunities Plus Fund
Equity Top 250 Fund
11.62%
Equity Top 250 Fund
Future Apex Fund
13.77%
Future Apex Fund
Pension Dynamic Equity Fund
11.51%
Pension Dynamic Equity Fund
Accelerator Fund
14.04%
Accelerator Fund

How Does SIP Work?

A Systematic Investment Plan (SIP) allows you to invest a fixed amount in a mutual fund or market-linked fund scheme at regular intervals. Here's how it works:

  • Fixed Contribution: You decide the amount (e.g., ₹500, ₹1000) and the frequency (monthly, quarterly, etc.) of your investment. This amount is automatically deducted from your bank account.

  • Units Allocation: The amount is used to purchase mutual fund or market-linked fund scheme units based on the fund's Net Asset Value (NAV) on the investment date.

    • If the NAV is low, you get more units.

    • If the NAV is high, you get fewer units.

  • Rupee Cost Averaging: This strategy helps you navigate market fluctuations by averaging out the cost of units over time, reducing the risk of market timing.
  • Power of Compounding: Over time, your returns are reinvested, and you earn returns on your investment plus the reinvested returns, amplifying wealth growth.
  • Flexibility: You can modify the SIP amount, pause, or stop it at any time, offering control over your investments.
  • Goal-Based Approach: SIPs align with specific financial goals like retirement, education, or wealth creation. Regular investments help achieve these goals systematically.
start-an-sip-today-watch-your-money-grow start-an-sip-today-watch-your-money-grow

Things to Consider Before Investing in SIPs

  • Investment Goals: Clearly define your financial objectives—whether it’s retirement planning, funding education, or buying a home. Choose SIPs that align with your goals.

  • Risk Tolerance: Determine your risk appetite. Equity funds are riskier but offer higher returns, while debt funds are more stable with moderate returns.

  • Investment Horizon: Determine the duration of your investment. SIPs work best for long-term goals as they mitigate short-term market volatility.

  • Fund Selection: Research the past performance, consistency, and portfolio composition of mutual funds and market-linked funds to choose the right scheme.

  • Cost and Charges: Check the expense ratio, exit loads, and other charges associated with the fund, as these can affect returns.

  • Flexibility: Understand the flexibility options—whether you can pause, stop, or modify your SIP if needed.

  • Market Volatility: Be prepared for market fluctuations. SIPs are designed to average out costs over time, so stay consistent during volatile phases.

  • Emergency Funds: Ensure you have adequate savings for emergencies before starting SIPs to avoid withdrawing investments prematurely.

  • Tax Implications: Be aware of taxation on mutual funds—equity funds attract short-term and long-term capital gains tax, while debt funds have different tax rules.

  • Automation and Discipline: Set up automatic transfers to ensure consistent investments without missing instalments.

  • Estimate Your Returns: Use an SIP calculator to estimate your potential returns and determine the right investment amount to achieve your financial goals.

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7 Years
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10 Years
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12 Years
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15 Years
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20 Years
SIP Plans

Conclusion

SIPs are a reliable investment tool for building financial security and achieving long-term goals. Their structured approach, combined with flexibility and the ability to combat market volatility, makes them ideal for both novice and seasoned investors. Start early and stay consistent to make the most of your SIP journey. 

start-small-&-build-your-wealth-for-a-brighter-tomorrow start-small-&-build-your-wealth-for-a-brighter-tomorrow

FAQs

  • How does SIP help during market volatility?

    SIPs follow the principle of rupee cost averaging, allowing you to buy more units when prices are low and fewer units when prices are high. This reduces the impact of market fluctuations over time.

  • Can SIPs be customized to suit financial goals?

    Yes, SIPs can be tailored to align with specific goals like retirement, education, or buying a home. You can choose the investment amount, frequency, and mutual fund type accordingly.

  • Is SIP suitable for short-term investments?

    SIPs are most effective for long-term investments as they help average costs over time and benefit from compounding. For short-term goals, consider less volatile options like debt funds.

  • Can I modify or stop my SIP anytime?

    Yes, SIPs offer flexibility. You can increase, decrease, pause, or stop your investments based on your financial needs and circumstances.

  • What is the minimum amount required to start a SIP?

    You can start a SIP with as little as ₹500, making it accessible for investors of all budgets.

  • Are SIPs suitable for beginners?

    Yes, SIPs are beginner-friendly, offering a systematic and low-risk approach to mutual fund investments without requiring in-depth market knowledge.

  • How do SIPs benefit from compounding?

    SIPs reinvest your returns, allowing you to earn on both your initial investment and the accumulated returns. Over time, this creates exponential wealth growth.

  • Are there any tax benefits associated with SIPs?

    If you invest in Equity-Linked Savings Schemes (ELSS) through SIPs, you can claim tax deductions under Section 80C of the Income Tax Act. However, taxation depends on the type of mutual fund.

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500 SIP for 1 Year
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30000 SIP for 1 Year
30000 SIP for 2 Years
30000 SIP for 5 Years
30000 SIP for 10 Years
30000 SIP for 15 Years
30000 SIP for 20 Years
30000 SIP for 25 Years
50000 SIP for 1 Year
50000 SIP for 2 Years
50000 SIP for 10 Years
50000 SIP for 15 Years
50000 SIP for 20 Years
50000 SIP for 25 Years
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Kotak SIP Calculator
PNB SIP Calculator
Union Bank SIP Calculator
Step up SIP Calculator
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Aditya Birla SIP Calculator
Index Fund SIP Calculator
Yes Bank SIP Calculator
Reliance SIP calculator
Bajaj Allianz SIP Calculator
TATA SIP Calculator

˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
Disclaimer:#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. All SIPs listed here are of insurance companies’ funds. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).

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