IDBI Bank SIP Investment

The IDBI Bank SIP Plans are Systematic Investment Plans offered by IDBI Bank. They are a way to make disciplined and rewarding investments to help you steadily grow your wealth. IDBI Bank SIP Plans offer a variety of schemes to choose from, including equity, debt, and hybrid funds.

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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

Payment Mode
Invest
₹ 10,000
Invest for
AUM (Cr)

₹9,928

NAV

118.39

Estimated Value

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

+ 27.23 22.19 18.4 %

Instant tax receipt
AUM (Cr)

₹3,248

NAV

71.49

Estimated Value

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

+ 24.23 17.63 15.14 %

Instant tax receipt
AUM (Cr)

₹2,675

NAV

74.61

Estimated Value

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

+ 24.82 17.74 14.98 %

Instant tax receipt
AUM (Cr)

₹37,289

NAV

78.97

Estimated Value

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

+ 25.19 15.94 14.81 %

Instant tax receipt
AUM (Cr)

₹5,652

NAV

83.8

Estimated Value

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

+ 23.63 13.87 14.76 %

Instant tax receipt
AUM (Cr)

₹3,581

NAV

42.58

Estimated Value

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

+ 20.81 14.5 14.4 %

Instant tax receipt
AUM (Cr)

₹4,348

NAV

70.48

Estimated Value

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

+ 23.87 16.06 14.22 %

Instant tax receipt
AUM (Cr)

₹440

NAV

69.77

Estimated Value

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

+ 20.64 14.81 13.99 %

Instant tax receipt
AUM (Cr)

₹7,189

NAV

157.26

Estimated Value

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

+ 20.41 14.61 13.53 %

Instant tax receipt
AUM (Cr)

₹236

NAV

50.49

Estimated Value

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

+ 23.1 16.12 13.52 %

Instant tax receipt
AUM (Cr)

₹3,248

NAV

71.49

Estimated Value

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

+ 24.23 17.63 15.14 %

AUM (Cr)

₹2,675

NAV

74.61

Estimated Value

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

+ 24.82 17.74 14.98 %

AUM (Cr)

₹3,581

NAV

42.58

Estimated Value

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

+ 20.81 14.5 14.4 %

AUM (Cr)

₹4,348

NAV

70.48

Estimated Value

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

+ 23.87 16.06 14.22 %

AUM (Cr)

₹440

NAV

69.77

Estimated Value

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

+ 20.64 14.81 13.99 %

AUM (Cr)

₹7,189

NAV

157.26

Estimated Value

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

+ 20.41 14.61 13.53 %

AUM (Cr)

₹236

NAV

50.49

Estimated Value

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

+ 23.1 16.12 13.52 %

AUM (Cr)

₹101

NAV

58.45

Estimated Value

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

+ 23.92 16.33 13.49 %

AUM (Cr)

₹2,883

NAV

70.44

Estimated Value

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

+ 20.18 14.29 13.24 %

AUM (Cr)

₹13,357

NAV

84.4

Estimated Value

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

+ 20.22 14.26 12.91 %

AUM (Cr)

₹9,928

NAV

118.39

Estimated Value

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

+ 27.23 22.19 18.4 %

AUM (Cr)

₹37,289

NAV

78.97

Estimated Value

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

+ 25.19 15.94 14.81 %

AUM (Cr)

₹5,652

NAV

83.8

Estimated Value

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

+ 23.63 13.87 14.76 %

AUM (Cr)

₹2,323

NAV

181.72

Estimated Value

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

+ 30.96 22.84 17.46 %

AUM (Cr)

₹986

NAV

75.64

Estimated Value

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

+ 23.07 15.89 14.6 %

AUM (Cr)

₹13,638

NAV

70.33

Estimated Value

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

+ 21.64 14.56 13.08 %

AUM (Cr)

₹155

NAV

60.14

Estimated Value

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

+ 23.04 14.48 12.61 %

AUM (Cr)

₹1,183

NAV

54.8

Estimated Value

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

+ 21.89 14.04 12.37 %

AUM (Cr)

₹539

NAV

59.2

Estimated Value

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

+ 19.96 13.09 11.66 %

AUM (Cr)

₹222

NAV

94.47

Estimated Value

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

+ 8.45 8.64 8.57 %

AUM (Cr)

₹866

NAV

40.5

Estimated Value

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

+ 6.18 8.02 7.93 %

AUM (Cr)

₹501

NAV

38.22

Estimated Value

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

+ 6.05 8.02 7.72 %

AUM (Cr)

₹136

NAV

34.66

Estimated Value

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

+ 5.69 7.58 7.54 %

AUM (Cr)

₹210

NAV

47.13

Estimated Value

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

+ 5.19 7.51 7.42 %

AUM (Cr)

₹75

NAV

40.5

Estimated Value

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

+ 5.54 7.35 7.36 %

AUM (Cr)

₹96

NAV

38.64

Estimated Value

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

+ 5.65 7.51 7.3 %

AUM (Cr)

₹8,009

NAV

32.13

Estimated Value

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

+ 5.3 7.16 7.27 %

AUM (Cr)

₹139

NAV

29.13

Estimated Value

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

+ 6.05 7.07 7.25 %

AUM (Cr)

₹19,982

NAV

49.51

Estimated Value

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

+ 5.72 7.34 7.23 %

AUM (Cr)

₹878

NAV

100.36

Estimated Value

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

+ 22.73 17.14 15.41 %

AUM (Cr)

₹369

NAV

48.52

Estimated Value

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

+ 14.96 11.76 10.75 %

AUM (Cr)

₹501

NAV

104.04

Estimated Value

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

+ 12.54 10.66 10.06 %

AUM (Cr)

₹5,893

NAV

40.44

Estimated Value

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

+ 14.28 10.78 10.06 %

AUM (Cr)

₹65

NAV

60.39

Estimated Value

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

+ 11.92 10.24 10.01 %

AUM (Cr)

₹858

NAV

39.76

Estimated Value

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

+ 14.11 10.73 9.89 %

AUM (Cr)

₹7,999

NAV

111.98

Estimated Value

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

+ 13.61 10.89 9.86 %

AUM (Cr)

₹295

NAV

31.84

Estimated Value

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

+ 13.93 10.15 9.8 %

AUM (Cr)

₹19

NAV

34.24

Estimated Value

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

+ 13.52 10.51 9.59 %

AUM (Cr)

₹2,021

NAV

43.78

Estimated Value

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

+ 14.19 10.14 9.58 %

AUM (Cr)

₹7,189

NAV

156.96

Estimated Value

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

+ 20.19 14.48 13.45 %

AUM (Cr)

₹1,296

NAV

79.38

Estimated Value

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

+ 20.74 13.92 13.34 %

AUM (Cr)

₹2,883

NAV

70.91

Estimated Value

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

+ 20.14 14.39 13.17 %

View More

What are IDBI Bank SIP Plans?

IDBI Bank SIP Plans are investment options that allow you to invest small amounts regularly in various investment fund schemes. With the potential for substantial returns, SIP Plans help you grow your wealth steadily over time. IDBI Bank offers a variety of SIP plans customised to suit the diverse needs of investors. Whether you are a conservative investor or seeking high returns, IDBI Bank has SIP plans to match your risk profile and financial aspirations.

  • Insurance Companies
  • Mutual Funds
Returns
Fund Name 5 Years 7 Years 10 Years
High Growth Fund Max Life
Rating
27.23% 22.19%
18.4%
View Plan
Top 200 Fund Tata AIA
Rating
30.96% 22.84%
17.46%
View Plan
Accelerator Mid-Cap Fund II Bajaj Allianz
Rating
23.63% 13.87%
14.76%
View Plan
Opportunities Fund HDFC Standard
Rating
25.19% 15.94%
14.81%
View Plan
Equity II Fund Canara HSBC Oriental Bank
Rating
19.43% 11.22%
10.39%
View Plan
Growth Opportunities Plus Fund Bharti AXA
Rating
23.07% 15.89%
14.6%
View Plan
Multiplier Birla Sun Life
Rating
26.07% 15.44%
15.6%
View Plan
Pension Opportunities Fund ICICI Prudential
Rating
23.04% 14.48%
12.61%
View Plan
Flexi Growth Fund LIC
Rating
- -
-
View Plan
Virtue II PNB Metlife
Rating
24.23% 17.63%
15.14%
View Plan
Fund rating powered by
Last updated: Jun 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: May 2025

Compare more funds

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

IDBI Funds SIP Plans

Fund Name Fund Category Risk Profile
IDBI Small Cap Fund Equity High
IDBI Midcap Fund Equity High
IDBI Flexi Cap Fund Equity High
IDBI Equity Advantage Fund Equity High
IDBI India Top 100 Equity Fund Equity High
IDBI Gilt Fund Debt Low to Moderate
IDBI Dynamic Bond Fund Debt Low to Moderate
IDBI Short-Term Bond Fund Debt Low to Moderate
IDBI Liquid Fund Debt Low to Moderate
IDBI Hybrid Equity Fund Hybrid  Moderate
IDBI Equity Savings Fund Hybrid Moderate

*Using a SIP Calculator will help you to estimate the interest earned and maturity returns on your IDBI investments in SIP Plans.

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
Years
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Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
% Annually
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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
Years
  • 1
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  • 31
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  • 33
  • 34
  • 36
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  • 38
  • 39
  • 40
Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
% Annually
  • 1
  • 2
  • 3
  • 4
  • 6
  • 7
  • 8
  • 9
  • 11
  • 12
  • 13
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Monthly Investment ₹22.4 L
View Plans
Top Funds with High Returns (Past 7 Years)
High Growth Fund
18.4%
High Growth Fund
Top 200 Fund
17.46%
Top 200 Fund
Accelerator Mid-Cap Fund II
14.76%
Accelerator Mid-Cap Fund II
Opportunities Fund
14.81%
Opportunities Fund
Equity II Fund
10.39%
Equity II Fund
Accelerator Fund
13.52%
Accelerator Fund
Growth Opportunities Plus Fund
14.6%
Growth Opportunities Plus Fund
Multiplier
15.6%
Multiplier
Equity Top 250 Fund
11.66%
Equity Top 250 Fund
Future Apex Fund
13.49%
Future Apex Fund
Pension Opportunities Fund
12.61%
Pension Opportunities Fund
Frontline Equity Fund
14.22%
Frontline Equity Fund
Virtue II
15.14%
Virtue II
Pension Dynamic Equity Fund
11.01%
Pension Dynamic Equity Fund
Equity Fund
11.94%
Equity Fund
Blue-Chip Equity Fund
10.29%
Blue-Chip Equity Fund

Features of IDBI Bank SIP Plans

  • You can start a SIP with a minimum amount of Rs. 500.

  • IDBI Bank offers various mutual funds and other fund scheme options.

  • You can choose from equity funds, debt funds, hybrid funds, and more based on your risk appetite and financial goals.

  • SIPs allow you to invest a fixed amount regularly, promoting discipline and long-term wealth creation.

  • With regular investments in SIP, you can benefit from rupee-cost averaging and the power of compounding.

  • IDBI Bank SIPs can be used to plan for various financial goals, such as retirement, marriage, buying a house or car, and higher education.

How Do IDBI Bank SIP Plans Work?

Let us understand their working from below:

  • The first step is to choose an SIP plan that you want to invest in. You can choose from various plans, such as equity funds, debt funds, and hybrid funds.

  • Once you have chosen a plan, you must decide how much money you want to invest each month. You can invest any amount, starting from Rs.500.

  • You can set up a SIP with IDBI Bank through your bank account, net banking, or the IDBI Bank mobile app.

  • IDBI Bank will automatically invest the chosen amount of money in the SIP plan on a monthly basis.

  • The fund value grows as per the market conditions. However, you can use an SIP calculator to estimate your returns before investing in an IDBI SIP Investment plan.

  • Professional managers handle the investments, so you do not need to track individual funds.

start-an-sip-today-watch-your-money-grow start-an-sip-today-watch-your-money-grow

What are the Advantages of Investing in IDBI Bank SIPs? 

Some advantages of investing in IDBI SIP Plans are as follows:

  • Safety and Regulation:  IDBI Bank SIPs invest in SEBI-regulated Mutual Funds, ensuring investor protection.

  • Tax Benefits:  Enjoy tax-free dividends and avoid long-term capital gains tax if you hold the units for more than a year.

  • Liquidity:  Most IDBI Bank SIPs invest in open-ended funds, allowing for redemption within 3 working days at the current Net Asset Value (NAV).

  • Convenience and Flexibility:  SIPs enable easy and hassle-free investing with features like systematic transfers, withdrawals, and even switching between funds to suit your evolving goals.

  • Risk Diversification:  IDBI Bank SIPs invest in a diversified portfolio across various industries and stocks, mitigating risk.

  • Transparency:  NAVs are declared daily, and portfolios are disclosed regularly, ensuring transparency.

  • Professional Management:  Experienced fund managers handle your investment, leveraging their expertise for optimal returns.

Tips for Successful IDBI Bank SIP Investment

Follow the tips mentioned below to get high returns from investment in IDBI Bank SIP Plans:

  • Stay Disciplined: Maintain consistency in SIP contributions to reap the benefits of rupee cost averaging and compounding fully.

  • Review Periodically: Monitor the performance of your SIP investments regularly and make adjustments if needed to stay on track with your financial goals.

  • Stay Informed: Stay informed about market trends and fund performance to make well-informed investment decisions.

Summary

IDBI Bank SIP Plans offer a convenient and disciplined way for investors to invest in SIP funds. Through regular contributions and diverse fund choices, investors can benefit from rupee-cost averaging and long-term growth opportunities, catering to their financial objectives and risk appetite.

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

FAQs

  • What is the interest rate of IDBI SIP?

    SIP investments in large-cap equity funds yield around 12-15% returns, while mid-cap equities can offer returns in the range of 14-17%.
  • Is 100 rupees SIP good?

    If you want to earn money through SIP, adopting a long-term approach is the most effective method. A recommended tactic is to set aside a minimum of Rs 100 daily from your regular expenditures and use it to invest in various funds via SIP.
  • What is SIP scheme in IDBI Bank?

    A SIP scheme in IDBI Bank is a Systematic Investment Plan offered by IDBI Mutual Fund. It allows you to invest a fixed amount of money in a mutual fund scheme every month. This helps you to invest regularly and build your wealth over time.
  • Is SIP in IDBI bank is safe?

    Yes, SIP in IDBI bank is safe. IDBI Bank is a well-regulated bank and its mutual fund arm, IDBI Mutual Fund, is a SEBI-registered fund house. This means that your money is safe and that your investments are managed in a responsible manner.
  • Does SIP pay monthly?

    Yes, SIP is paid in monthly instalments. When you invest in a SIP, you invest a fixed amount of money every month. This amount is then invested in a ULIP fund or mutual fund scheme of your choice. The fund then invests your money in a variety of securities, such as stocks, bonds, and money market instruments.

SIP Hub

˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India 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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