HDFC SIP Plans

What is the HDFC SIP Plan?

HDFC SIP (Systematic Investment Plan) is an investment option offered by HDFC Life Insurance and HDFC Mutual Fund House that allows you to invest in your market-linked fund in a disciplined manner. 

In HDFC SIP Plan, you regularly invest a fixed amount of money at specified intervals (like monthly or quarterly) into Unit Linked Insurance Plan (ULIP) funds and mutual fund schemes.

This approach helps you to systematically accumulate wealth over time by averaging the cost of your investments, as they buy more units when prices are lower and fewer units when prices are higher. It is a disciplined and convenient way for you to invest in ULIP funds and mutual fund schemes without the need for a large initial investment. 

SIP Calculator to Estimate Returns from HDFC SIP Plans

A SIP Calculator helps you estimate the returns from HDFC SIP plans. You just need to enter the monthly investment amount, the time period, and the expected return rate. The calculator will show the total amount you can get at the end of your investment. 

Top HDFC SIP Plans in 2025

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	₹ 2,068.83 (as on 31st October, 2025)
   AUM	₹80,642.30 Crs
   Expense Ratio	1.37%
   Return 3 Years	23.71%
   Return 5 Years	28.76%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	1st January, 1995
   Asset Allocation	Equity: 87.98%, Debt: 0.6%, Others: 8.6%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	ICICI Bank Ltd HDFC Bank Ltd Repo Axis Bank Ltd SBI Life Insurance Company Ltd State Bank of India Kotak Mahindra Bank Ltd Maruti Suzuki India Ltd Cipla Ltd HCL Technologies Ltd
   Fund Managers	Roshi Jain Dhruv Muchhal
   Fund Type	Open-ended

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	₹ 531.15 (as on 31st October, 2025)
   AUM	₹101,772.60 Crs
   Expense Ratio	1.33%
   Return 3 Years	19.37%
   Return 5 Years	24.17%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	11th September, 2000
   Asset Allocation	Equity: 62.37%, Debt: 27.36%, Others: 8.74%
   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 Bharti Airtel Ltd State Bank of India Reverse Repo Infosys Ltd Larsen & Toubro Ltd GOI Sec 7.18 14/08/2033
   Fund Managers	Anil Bamboli Gopal Agrawal Arun Agarwal Srinivasan Ramamurthy Dhruv Muchhal Nandita Menezes
   Fund Type	Open-ended

   

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	₹ 1,159.94 (as on 31st October, 2025)
   AUM	₹38,116.69 Crs
   Expense Ratio	1.59%
   Return 3 Years	17.26%
   Return 5 Years	21%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	4th September, 1996
   Asset Allocation	Equity: 98.02%, Others: 1.98%
   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 Repo Kotak Mahindra Bank Ltd NTPC Ltd Infosys Ltd Titan Company Ltd Ambuja Cements Ltd
   Fund Managers	Rahul Baijal Dhruv Muchhal
   Fund Type	Open-ended

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	₹ 143.88 (as on 31st October, 2025)
   AUM	₹36,353.10 Crs
   Expense Ratio	1.54%
   Return 3 Years	22.57%
   Return 5 Years	29.84%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	3rd April, 2008
   Asset Allocation	Equity: 89.81%, Others: 10.19%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Repo Firstsource Solutions Ltd Aster DM Healthcare Ltd eClerx Services Ltd Bank Of Baroda Gabriel India Ltd Eris Lifesciences Ltd Fortis Healthcare Ltd Krishna Institute Of Medical Sciences Ltd Sudarshan Chemical Industries Ltd
   Fund Managers	Chirag Setalvad Dhruv Muchhal
   Fund Type	Open-ended

   

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	₹ 200.79 (as on 31st October, 2025)
   AUM	₹83,847.39 Crs
   Expense Ratio	1.34%
   Return 3 Years	25.7%
   Return 5 Years	29.27%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	25th June, 2007
   Asset Allocation	Equity: 93.6%, Others: 6.4%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Repo Max Financial Services Ltd Balkrishna Industries Ltd Indian Bank Fortis Healthcare Ltd Coforge Ltd AU Small Finance Bank Ltd The Federal Bank Ltd Glenmark Pharmaceuticals Ltd Ipca Laboratories Ltd
   Fund Managers	Chirag Setalvad Dhruv Muchhal
   Fund Type	Open-ended

Benefits of Investing in HDFC SIP Plans

The best SIP Plans offered by HDFC investment options provide various benefits, such as follows:

• SIPs instill financial discipline by promoting regular investing.

• They help average out investment costs over time, reducing the impact of market volatility.

• SIPs offer flexibility, allowing investors to start with a low amount and adjust investments according to their financial situation.

• They harness the power of compounding for long-term wealth accumulation.

• HDFC SIP plans enable effective portfolio diversification across various asset classes and risk profiles.

• HDFC SIP Calculator provides a handy online financial tool for you to estimate potential returns and plan your investment strategies effectively.

• Experienced fund managers manage investments, potentially optimizing returns.

• SIPs offer convenience through automated investing via ECS mandates.

• Ideal for achieving long-term financial goals such as retirement planning or education funding.

• HDFC SIP plans ensure transparency by providing regular updates on fund performance.

• Depending on the investment type and duration, investors may enjoy tax benefits under applicable sections of the Income Tax Act.

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 ₹22.4 L

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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)

12.6%

Equity Pension

16.14%

Global Equity Index Funds Strategy

17.8%

High Growth Fund

15.5%

Pension India Consumption Fund

20.52%

Multi Cap Fund

14.53%

Accelerator Mid-Cap Fund II

15.85%

Multiplier

14.41%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

10.88%

Equity II Fund

13.87%

US Equity Fund

14.74%

Growth Opportunities Plus Fund

11.62%

Equity Top 250 Fund

13.77%

Future Apex Fund

11.51%

Pension Dynamic Equity Fund

14.04%

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.