Best SIP for 3000 per Month

Investing in a Systematic Investment Plan (SIP) is one of the most disciplined and effective ways to build long-term wealth, even with a modest amount like ₹3,000 per month. SIPs make market investing accessible for everyone by allowing you to invest small, fixed amounts regularly in mutual funds. Whether you're planning for a future goal, building an emergency fund, or simply starting your investment journey, choosing the best SIP for ₹3,000 can help you tap into the power of compounding and market growth, while staying within budget.

SIP Plan Benefits

Start SIP with as low as ₹1000

No hidden charges

Save upto ₹46,800 in Taxunder section 80C^{^}

Zero LTCG Tax^¶

Disciplined & worry-free investing

Best SIP Funds

Tax Saving Funds Large Cap Low Return Funds Mid Cap Mid Return Funds Multi Cap Debt Funds Shariah Funds Balanced Funds

Payment Mode

Invest

₹ 10,000

Invest for

High Growth Fund

AUM (Cr)

₹10,554

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 32.5 21.1 18.6 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,693

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.28 15.75 14.81 %

View Fund

Instant tax receipt

Virtue II

AUM (Cr)

₹3,282

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.67 16.05 14.47 %

View Fund

Instant tax receipt

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,681

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.31 12.55 14.34 %

View Fund

Instant tax receipt

Opportunities Fund

AUM (Cr)

₹36,935

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.86 14.52 13.93 %

View Fund

Instant tax receipt

Diversified Equity Fund

AUM (Cr)

₹3,552

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.78 12.92 13.66 %

View Fund

Instant tax receipt

Frontline Equity Fund

AUM (Cr)

₹4,390

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.73 14.37 13.65 %

View Fund

Instant tax receipt

Grow Money Plus Fund

AUM (Cr)

₹433

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.7 13.17 13.62 %

View Fund

Instant tax receipt

Pure Stock Fund

AUM (Cr)

₹7,241

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.43 13.33 13.36 %

View Fund

Instant tax receipt

Accelerator Fund

AUM (Cr)

₹235

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.4 14.68 13.2 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,693

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.28 15.75 14.81 %

View Fund

Virtue II

AUM (Cr)

₹3,282

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.67 16.05 14.47 %

View Fund

Diversified Equity Fund

AUM (Cr)

₹3,552

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.78 12.92 13.66 %

View Fund

Frontline Equity Fund

AUM (Cr)

₹4,390

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.73 14.37 13.65 %

View Fund

Grow Money Plus Fund

AUM (Cr)

₹433

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.7 13.17 13.62 %

View Fund

Pure Stock Fund

AUM (Cr)

₹7,241

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.43 13.33 13.36 %

View Fund

Accelerator Fund

AUM (Cr)

₹235

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.4 14.68 13.2 %

View Fund

Future Apex Fund

AUM (Cr)

₹104

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.12 14.14 12.95 %

View Fund

Growth Super Fund

AUM (Cr)

₹13,106

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.02 12.51 12.4 %

View Fund

Magnifier

AUM (Cr)

₹1,273

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.06 11.02 11.35 %

View Fund

High Growth Fund

AUM (Cr)

₹10,554

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 32.5 21.1 18.6 %

View Fund

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,681

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.31 12.55 14.34 %

View Fund

Opportunities Fund

AUM (Cr)

₹36,935

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.86 14.52 13.93 %

View Fund

Top 200 Fund

AUM (Cr)

₹2,485

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 30.5 21 18.2 %

View Fund

Growth Opportunities Plus Fund

AUM (Cr)

₹1,021

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.87 14.15 14.06 %

View Fund

Classic Opportunities Fund

AUM (Cr)

₹13,589

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 18.81 13.1 12.69 %

View Fund

Opportunities Fund

AUM (Cr)

₹3,406

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.04 13.02 12.28 %

View Fund

Flexi Cap

AUM (Cr)

₹1,125

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 18.88 12.3 11.87 %

View Fund

Equity Top 250 Fund

AUM (Cr)

₹528

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.06 11.43 11.06 %

View Fund

Builder

AUM (Cr)

₹215

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.92 8.19 8.34 %

View Fund

Whole Life Income Fund

AUM (Cr)

₹831

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.09 7.79 7.68 %

View Fund

Debt Fund

AUM (Cr)

₹488

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.95 7.85 7.53 %

View Fund

Steady Money Fund

AUM (Cr)

₹71

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.56 7.18 7.17 %

View Fund

Bond Fund

AUM (Cr)

₹123

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.01 6.98 7.15 %

View Fund

Dynamic Gilt Fund

AUM (Cr)

₹198

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 4.98 7.19 7.13 %

View Fund

Bond Fund

AUM (Cr)

₹19,241

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.6 7.16 7.04 %

View Fund

Income Fund

AUM (Cr)

₹7,540

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.2 6.97 7.04 %

View Fund

Secure Fund

AUM (Cr)

₹1,064

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.06 7.09 6.97 %

View Fund

Debt Fund

AUM (Cr)

₹93

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.46 7.19 6.95 %

View Fund

Whole Life Aggressive Growth Fund

AUM (Cr)

₹892

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.14 15.74 15.09 %

View Fund

Balanced Fund

AUM (Cr)

₹363

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.41 10.72 10.35 %

View Fund

Save N Grow Money Fund

AUM (Cr)

₹66

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.8 9.46 9.86 %

View Fund

Creator

AUM (Cr)

₹492

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.28 9.77 9.85 %

View Fund

Balanced Fund

AUM (Cr)

₹22,609

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.14 9.58 9.72 %

View Fund

Balanced Fund

AUM (Cr)

₹5,648

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.53 9.63 9.71 %

View Fund

Asset Allocation Fund II

AUM (Cr)

₹286

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.27 9.26 9.61 %

View Fund

Balancer II

AUM (Cr)

₹839

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.4 9.75 9.54 %

View Fund

Growth Fund

AUM (Cr)

₹7,725

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.94 9.88 9.5 %

View Fund

Multi Cap Balanced Fund

AUM (Cr)

₹1,978

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.81 9.46 9.38 %

View Fund

Pure Stock Fund

AUM (Cr)

₹7,241

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.43 13.33 13.36 %

View Fund

Super Select Equity Fund

AUM (Cr)

₹1,321

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 18.82 13.05 13.36 %

View Fund

Pure Equity

AUM (Cr)

₹2,935

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.89 12.85 12.68 %

View Fund

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:

Mutual Funds	5 Year Returns	10 Year Return
ICICI Prudential Infrastructure Fund	38.83%	17.56%
Motilal Oswal Midcap Fund	38.44%	19.17%
SBI PSU Fund	32.41%	14.02%
HDFC Infrastructure Fund	36.35%	12.49%
Quant Small Cap Fund	33.14%	20.8%

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
High Growth Fund Axis Max Life Rating	32.5%	21.1%	18.6% View Plan
Top 200 Fund Tata AIA Life Rating	30.5%	21%	18.2% View Plan
Accelerator Mid-Cap Fund II Bajaj Allianz Rating	20.31%	12.55%	14.34% View Plan
Opportunities Fund HDFC Life Rating	21.86%	14.52%	13.93% View Plan
Opportunities Fund ICICI Prudential Life Rating	20.04%	13.02%	12.28% View Plan
Multiplier Birla Sun Life Rating	22.22%	14.26%	15.07% View Plan
Virtue II PNB MetLife Rating	20.67%	16.05%	14.47% View Plan
Equity II Fund Canara HSBC Life Rating	16.71%	9.74%	10.1% View Plan
Balanced Fund LIC India Rating	10.54%	-	- View Plan
Equity Fund SBI Life Rating	16.93%	11.67%	11.35% View Plan

Fund rating powered by

Last updated: Jul 2025

Compare more funds

Fund Name	3 Years	5 Years	10 Years
	Returns
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: June 2025

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Buying the Dip Results in Higher Returns

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

/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

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

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

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

Monthly Investment ₹22.4 L

View Plans

Top Funds with High Returns (Past 7 Years)

18.6%

High Growth Fund

18.2%

Top 200 Fund

14.34%

Accelerator Mid-Cap Fund II

13.93%

Opportunities Fund

12.28%

Opportunities Fund

15.07%

Multiplier

14.47%

Virtue II

10.1%

Equity II Fund

13.2%

Accelerator Fund

10.7%

Pension Dynamic Equity Fund

13.65%

Frontline Equity Fund

11.81%

Equity Pension

11.06%

Equity Top 250 Fund

14.06%

Growth Opportunities Plus Fund

12.95%

Future Apex Fund

9.97%

Blue-Chip Equity Fund

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

ICICI Prudential Infrastructure Fund

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.

Features of ICICI Prudential Infrastructure Fund:
- Expense ratio: 1.13% as on Jun 30, 2025
- Exit load: 1.0%
- AUM (Fund size): ₹7,920 Cr
- Lock-in Period: Nil
- Age: 12 yrs 6 m since Jan 01, 2013
- Benchmark: BSE India Infrastructure TRI
- Risk: Very High
Motilal Oswal Midcap Fund

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.

Features of Motilal Oswal Midcap Fund:
- Expense ratio: 0.68%
- Exit load: 1.0%
- AUM (Fund size): ₹30,401 Cr
- Lock-in Period: Nil
- Age: 11 yrs 4 m since Feb 03, 2014
- Benchmark: NIFTY Midcap 150 TRI
- Risk: Very High
SBI PSU Fund

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.

Features of SBI PSU Fund:
- Expense ratio: 0.86%
- Exit load: 0.5%
- AUM (Fund size): ₹5,259 Cr
- Lock-in Period: Nil
- Age: 12 yrs 6 m since Jan 01, 2013
- Benchmark: BSE PSU TRI
- Risk: Very High
HDFC Infrastructure Fund

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.

Features of HDFC Infrastructure Fund:
- Expense ratio: 1.06%
- Exit load: 1.0%
- AUM (Fund size): ₹2,540 Cr
- Lock-in Period: Nil
- Age: 12 yrs 6 m since Jan 01, 2013
- Benchmark: BSE India Infrastructure TRI
- Risk: Very High
Quant Small Cap Fund

The scheme seeks to generate capital appreciation by investing in a well-diversified portfolio of small cap companies.
- Expense ratio: 0.66%
- Exit load: 1.0%
- AUM (Fund size): ₹28,205 Cr
- Lock-in Period: Nil
- Age: 12 yrs 6 m since Jan 01, 2013
- Benchmark: NIFTY Smallcap 250 TRI
- Risk: Very High

Start Small & Build Your Wealth For A Brighter Tomorrow

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.

FAQs

Can I start an SIP with just ₹3,000 per month?

Yes, ₹3,000 per month is a great starting point. Most mutual funds allow SIPs with a minimum of ₹500–₹1,000, making ₹3,000 sufficient to invest in quality equity, hybrid, or debt funds.
How much will ₹3,000 SIP grow in 10 years?

If you invest ₹3,000 monthly for 10 years at an assumed 12% annual return, the corpus may grow to approximately ₹6.9 lakhs. Actual returns will depend on fund performance and market conditions.
Can I change or stop my SIP later?

Yes, SIPs are highly flexible. You can increase, pause, or stop your SIP anytime without penalties, although consistency is key to long-term growth.
Is ₹3,000 SIP enough for future goals like retirement or a child’s education?

It can be a good starting point. Over time, you should increase your SIP amount as your income grows. Even a small SIP, if started early and continued long-term, can contribute significantly to your financial goals.

Best SIP for 3000 per Month

Best SIP Funds

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

SIP Calculator

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

ICICI Prudential Infrastructure Fund

Features of ICICI Prudential Infrastructure Fund:

Motilal Oswal Midcap Fund

Features of Motilal Oswal Midcap Fund:

SBI PSU Fund

Features of SBI PSU Fund:

HDFC Infrastructure Fund

Features of HDFC Infrastructure Fund:

Quant Small Cap Fund

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

Conclusion

FAQs

Can I start an SIP with just ₹3,000 per month?

How much will ₹3,000 SIP grow in 10 years?

Can I change or stop my SIP later?

Is ₹3,000 SIP enough for future goals like retirement or a child’s education?

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