HDFC SIP Plans

Top HDFC SIP Plans in 2026

HDFC offers a wide range of SIP plans across different categories of ULIP funds and mutual funds.

Details of HDFC SIP Plans-Top 5 Mutual Fund Schemes

1. HDFC Flexi Cap Fund Regular Growth

   The investment objective of HDFC Flexi Cap Fund Regular Growth is to generate long-term capital appreciation by investing predominantly in equity and equity-related instruments across market capitalizations-large-cap, mid-cap, and small-cap companies. There is no assurance that the investment objective of the scheme will be achieved.​

   Parameters	Details
   Fund Name	HDFC Flexi Cap Fund Regular-Growth
   NAV	₹ 1,893.47 (as on 25th March, 2026)
   AUM	₹80,642.30 Crs
   Expense Ratio	1.35%
   Return 3 Years	19.82%
   Return 5 Years	19.4%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	1st January, 1995
   Asset Allocation	Equity: 90.92%, Debt: 0.51%, Others: 8.56%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Repo ICICI Bank Ltd HDFC Bank Ltd Axis Bank Ltd State Bank of India SBI Life Insurance Company Ltd Kotak Mahindra Bank Ltd Maruti Suzuki India Ltd Cipla Ltd HCL Technologies Ltd
   Fund Managers	Roshi Jain Dhruv Muchhal
   Fund Type	Open-ended

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2. HDFC Balanced Advantage Fund Regular-Growth

   The HDFC Balanced Advantage Fund Regular-Growth aims to generate long-term capital appreciation and income by dynamically allocating investments between equity and debt instruments based on market valuations.

   Parameters	Details
   Fund Name	HDFC Balanced Advantage Fund Regular-Growth
   NAV	₹ 498.85 (as on 25th March, 2026)
   AUM	₹101,772.60 Crs
   Expense Ratio	1.36%
   Return 3 Years	16.08%
   Return 5 Years	16.56%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	11th September, 2000
   Asset Allocation	Equity: 69.46%, Debt: 25.76%, Others: 3.24%
   Top Sectors	Real Estate Technology Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials
   Top Holdings	HDFC Bank Ltd Cash Margin ICICI Bank Ltd Reliance Industries Ltd State Bank of India Bharti Airtel Ltd Repo Reverse Repo Infosys Ltd Larsen & Toubro Ltd
   Fund Managers	Anil Bamboli Gopal Agrawal Arun Agarwal Srinivasan Ramamurthy Dhruv Muchhal Nandita Menezes
   Fund Type	Open-ended

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3. HDFC Large Cap Fund Regular-Growth

   The HDFC Large Cap Fund Regular-Growth primarily aims to generate long-term capital appreciation by investing in large-cap companies that are part of the BSE 200 index. The fund focuses on well-established businesses with strong fundamentals and aims to deliver stable growth through diversified equity exposure.​

   Parameters	Details
   Fund Name	HDFC Large Cap Fund Regular-Growth
   NAV	₹ 1,066.27 (as on 25th March, 2026)
   AUM	₹38,116.69 Crs
   Expense Ratio	1.61%
   Return 3 Years	13.89%
   Return 5 Years	13.66%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	4th September, 1996
   Asset Allocation	Equity: 98.55%, Debt: 0.48%, Others: 0.97%
   Top Sectors	Healthcare Materials Real Estate Technology Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial
   Top Holdings	HDFC Bank Ltd ICICI Bank Ltd Bharti Airtel Ltd Reliance Industries Ltd Kotak Mahindra Bank Ltd Titan Company Ltd Repo NTPC Ltd Axis Bank Ltd Infosys Ltd
   Fund Managers	Rahul Baijal Dhruv Muchhal
   Fund Type	Open-ended

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4. HDFC Small Cap Fund Regular-Growth

   The HDFC Small Cap Fund Regular-Growth is designed to deliver long-term capital appreciation by predominantly investing in small-cap companies that have high growth potential but carry higher market risk. The fund aims to generate superior returns by identifying undervalued companies with strong fundamentals and sustainable business models.

   Parameters	Details
   Fund Name	HDFC Small Cap Fund Regular-Growth
   NAV	₹ 123.77 (as on 25th March, 2026)
   AUM	₹36,353.10 Crs
   Expense Ratio	1.57%
   Return 3 Years	16.17%
   Return 5 Years	19.22%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	3rd April, 2008
   Asset Allocation	Equity: 91.97%, Others: 8.03%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Repo Firstsource Solutions Ltd eClerx Services Ltd Aster DM Healthcare Ltd Bank Of Baroda Gabriel India Ltd Eris Lifesciences Ltd Fortis Healthcare Ltd Indian Bank Krishna Institute Of Medical Sciences Ltd
   Fund Managers	Chirag Setalvad Dhruv Muchhal
   Fund Type	Open-ended

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5. HDFC Mid Cap Fund Regular-Growth

   The investment objective of the HDFC Mid Cap Fund Regular-Growth is to generate long-term capital appreciation/income by investing predominantly in mid-cap companies, with an aim to create a diversified equity portfolio for long-term growth in value.​

   Parameters	Details
   Fund Name	HDFC Mid Cap Fund Regular-Growth
   NAV	₹ 187.69 (as on 25th March, 2026)
   AUM	₹83,847.39 Crs
   Expense Ratio	1.37%
   Return 3 Years	24.2%
   Return 5 Years	21.5%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	25th June, 2007
   Asset Allocation	Equity: 94.24%, Others: 5.76%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Repo Max Financial Services Ltd AU Small Finance Bank Ltd The Federal Bank Ltd Indian Bank Balkrishna Industries Ltd Coforge Ltd Fortis Healthcare Ltd Glenmark Pharmaceuticals Ltd Ipca Laboratories Ltd
   Fund Managers	Chirag Setalvad Dhruv Muchhal
   Fund Type	Open-ended

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How Does HDFC SIP Plans Work? 

• Picking your fund: First, you’ve got to decide where your money is going. Depending on what you’re saving for, maybe a down payment on a house or just long-term wealth, you'll pick an Equity, Debt, or Hybrid fund.
• The specifics: You decide the "how much" and "how often." You can start with as little as ₹100 or ₹500. Most people just stick to a monthly schedule to match their paycheck.
• Setting it on autopilot: You set up a bank mandate. On your selected date, HDFC pulls the cash and buys units based on that day’s NAV. You don't have to lift a finger after the initial setup.
• The "Market Math": Because the market fluctuates, your fixed investment buys different amounts of units every month. When prices are low, you get more units; when they're high, you buy fewer. Over time, this Rupee Cost Averaging helps lower your average cost per unit without you having to "time" the market.

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)

12.25%

Equity Pension

14.28%

Opportunities Fund

18.16%

High Growth Fund

12.38%

Opportunities Fund

22%

Multi Cap Fund

13.85%

Accelerator Mid-Cap Fund II

15.38%

Multiplier

13.93%

Frontline Equity Fund

14.61%

Virtue II

10.28%

Equity II Fund

10.12%

Blue-Chip Equity Fund

14.64%

Growth Opportunities Plus Fund

11.27%

Equity Top 250 Fund

12.16%

Future Opportunity Fund

11.06%

Pension Dynamic Equity Fund

13.45%

Accelerator Fund

Summing It Up

HDFC SIP plans offer a convenient and disciplined approach to investing in market-linked funds, allowing you to achieve your financial goals through regular and systematic contributions. With a diverse range of investment options and the flexibility to start with minimal amounts, HDFC SIP plans empower you to build wealth over time while mitigating market volatility.