Best SIP for 3000 per Month

List to Invest in Best SIP for Rs. 3,000 per Month

Learn some of the best SIPs to invest in 2025 from the table mentioned below:

Details of Best SIP Plan for Rs. 3,000 per Month

Below are the details of the best SIP plans in which you can invest Rs. 3,000 per Month:

1. ICICI Prudential Infrastructure Fund-Growth

   Investment Objective: The scheme seeks to generate capital appreciation and income distribution to unit holders by investing predominantly in equity/equity related securities of the companies belonging to the infrastructure theme.

   Parameters	Details
   Fund Name	ICICI Prudential Infrastructure Fund-Growth
   NAV	₹ 192.51 (as on 18th December, 2025)
   AUM	₹7,941.20 Crs
   Expense Ratio	1.85%
   Return 5 Years	37.23%
   Return 10 Years	17.14%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	31st August, 2005
   Asset Allocation	Equity: 93.73%, Debt: 1.29%, Others: 4.37%
   Top Sectors	Consumer Discretionary Industrials Energy & Utilities Financial Materials Real Estate Technology
   Top Holdings	Larsen & Toubro Ltd Repo NTPC Ltd Adani Ports and Special Economic Zone Ltd Vedanta Ltd Reliance Industries Ltd NCC Ltd AIA Engineering Ltd Axis Bank Ltd Kalpataru Power Transmission Ltd
   Fund Managers	Ihab Dalwai Sharmila D'Silva
   Fund Type	Open-ended

2. Motilal Oswal Midcap Fund Regular-Growth

   Investment Objective: The scheme seeks to achieve long term capital appreciation by investing in quality mid-cap companies having long-term competitive advantages and potential for growth.

   Parameters	Details
   Fund Name	Motilal Oswal Midcap Fund Regular-Growth
   NAV	₹ 99.29 (as on 18th December, 2025)
   AUM	₹33,608.53 Crs
   Expense Ratio	1.55%
   Return 5 Years	33.24%
   Return 10 Years	17.66%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹500
   Risk Level	Principal at very high risk
   Launch Date	24th February, 2014
   Asset Allocation	Equity: 92.08%, Others: 7.92%
   Top Sectors	Real Estate Materials Consumer Discretionary Industrials Financial Healthcare Technology
   Top Holdings	Reverse Repo/CBLO Dixon Technologies (India) Ltd Persistent Systems Ltd Coforge Ltd Zomato Ltd Kalyan Jewellers India Ltd One 97 Communications Ltd Trent Ltd Others CBLO Polycab India Ltd
   Fund Managers	Ajay Khandelwal Niket Shah Rakesh Shetty Sunil Sawant
   Fund Type	Open-ended

   

3. SBI PSU Fund-Growth

   Investment Objective: The scheme seeks to provide opportunities for long-term growth through an active management of investments in a diversified basket of equity stocks of domestic Public Sector Undertakings and in debt and money market instruments issued by PSUs and others.

   Parameters	Details
   Fund Name	SBI PSU Fund-Growth
   NAV	₹ 32.75 (as on 18th December, 2025)
   AUM	₹5,278.16 Crs
   Expense Ratio	1.86%
   Return 5 Years	32.69%
   Return 10 Years	13.87%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	7th July, 2010
   Asset Allocation	Equity: 96.04%, Debt: 0.08%, Others: 3.88%
   Top Sectors	Industrials Energy & Utilities Financial Materials
   Top Holdings	State Bank of India Bharat Electronics Ltd NTPC Ltd Power Grid Corporation of India Ltd GAIL (India) Ltd Bharat Petroleum Corporation Ltd Bank Of Baroda Repo NMDC Ltd Indian Bank
   Fund Managers	NA
   Fund Type	Open-ended

4. HDFC Infrastructure Fund Regular-Growth

   Investment Objective: The scheme aims to invest predominantly in a diversified portfolio of equity and equity related securities of companies which are either engaged in or expected to benefit from the growth and development of infrastructure. The scheme may also invest up to 35% of the fund in non-infrastructure related companies. The scheme shall invest across all market capitalization.

   Parameters	Details
   Fund Name	HDFC Infrastructure Fund Regular-Growth
   NAV	₹ 46.49 (as on 18th December, 2025)
   AUM	₹2,539.90 Crs
   Expense Ratio	2.04%
   Return 5 Years	34.27%
   Return 10 Years	11.72%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	10th March, 2008
   Asset Allocation	Equity: 91.58%, Others: 5.94%
   Top Sectors	Consumer Discretionary Industrials Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Repo ICICI Bank Ltd Larsen & Toubro Ltd HDFC Bank Ltd J Kumar Infraprojects Ltd Kalpataru Power Transmission Ltd Interglobe Aviation Ltd Reliance Industries Ltd NTPC Ltd Bharti Airtel Ltd
   Fund Managers	Srinivasan Ramamurthy Dhruv Muchhal
   Fund Type	Open-ended

5. Quant Small Cap Fund-Growth

   The scheme seeks to generate capital appreciation by investing in a well-diversified portfolio of small cap companies.

   Parameters	Details
   Fund Name	Quant Small Cap Fund Direct Plan-Growth
   NAV	₹ 270.54 (as on 18th December, 2025)
   AUM	₹29,462.70 Crs
   Expense Ratio	0.71%
   Return 5 Years	35.17%
   Return 10 Years	20.33%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	NA
   Asset Allocation	Equity: 95.66%, Debt: 0.61%, Others: 3.73%
   Top Sectors	Industrials Technology Consumer Discretionary Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate
   Top Holdings	Reliance Industries Ltd Repo Jio Financial Services Limited RBL Bank Ltd Aegis Logistics Ltd Adani Power Ltd MIDCAPNIFTY 30/12/2025 Bikaji Foods International Ltd Anand Rathi Wealth Ltd Aster DM Healthcare Ltd
   Fund Managers	Sanjeev Sharma Ankit A Pande Sandeep Tandon Varun Pattani Ayusha Kumbhat Sameer Kate Yug Tibrewal
   Fund Type	Open-ended

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)

13.06%

Equity Pension

15.9%

Opportunities Fund

19.1%

Pension Growth Super

13.24%

Opportunities Fund

20.99%

Multi Cap Fund

14.21%

Accelerator Mid-Cap Fund II

15.9%

Multiplier

14.71%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

11.24%

Equity II Fund

14.8%

US Equity Fund

15.09%

Growth Opportunities Plus Fund

11.69%

Equity Top 250 Fund

14.14%

Future Apex Fund

12.11%

Pension Dynamic Equity Fund

14.5%

Pension Enhanced Equity

Things to Consider While Investing in the Best SIP Plan for 3000 Per Month

• Investment Goal: Define your financial objective, retirement, child’s education, buying a house, etc., to choose a fund that aligns with your time horizon and risk profile.

• Investment Horizon: SIPs work best over the long term. A longer duration helps maximise the benefits of compounding and reduces the impact of market volatility.

• Risk Appetite: Evaluate your comfort with risk. Equity funds offer high growth but come with market volatility, while debt or hybrid funds are relatively stable.

• Fund Type: Choose between equity, hybrid, or debt mutual funds based on your goal. For aggressive long-term growth, equity funds may be ideal, while hybrid funds balance risk and return.

• Fund Performance: Check the SIPs past performance across 3, 5, and 10 years. Look for consistency, not just recent high returns.

• Expense Ratio: A lower expense ratio means lower fees, which can make a big difference in returns over time, especially with long-term SIPs.

• Fund Manager’s Track Record: A fund with an experienced and consistent fund manager is more likely to perform well over time.

  

• Tax Implications: Consider tax benefits and liabilities. For example, ELSS funds offer tax deductions under Section 80C but come with a 3-year lock-in.

• Flexibility & Liquidity: Ensure the fund allows you to pause, increase, or redeem SIPs if needed, especially in case of emergencies.

• Use of SIP Calculator: Use an SIP calculator to estimate the future value of your ₹3,000 monthly investment and adjust your plan based on your financial goals.

Conclusion

A monthly SIP of ₹3,000 may seem small, but with the right fund selection, investment horizon, and consistency, it can grow into a substantial corpus over time. The key lies in matching your SIP with your financial goals, risk profile, and time frame. With patience and regular investing, even a small amount can work wonders in securing your financial future. Start early, stay invested, and let the power of compounding do the heavy lifting.