Monthly SIP Plan

A Monthly SIP is an easy and disciplined way to invest regularly in market-linked funds. You contribute a fixed amount each month, helping you build wealth gradually while managing market fluctuations. It is perfect for long-term goals, offering the benefits of compounding and the flexibility to start small and grow your investments over time.

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

Whole Life Mid Cap Equity Fund

AUM (Cr)

₹11,620

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.89 18.47 17.58 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,687

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.88 15.14 15.11 %

View Fund

Instant tax receipt

Virtue II

AUM (Cr)

₹3,237

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.31 15.2 14.59 %

View Fund

Instant tax receipt

Opportunities Fund

AUM (Cr)

₹35,377

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.52 14.22 14.35 %

View Fund

Instant tax receipt

Grow Money Plus Fund

AUM (Cr)

₹446

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.91 12.79 14.26 %

View Fund

Instant tax receipt

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,458

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.18 12.43 13.92 %

View Fund

Instant tax receipt

Frontline Equity Fund

AUM (Cr)

₹4,837

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.67 13.54 13.9 %

View Fund

Instant tax receipt

Accelerator Fund

AUM (Cr)

₹219

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.63 13.6 13.59 %

View Fund

Instant tax receipt

Diversified Equity Fund

AUM (Cr)

₹3,598

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.57 12.07 13.38 %

View Fund

Instant tax receipt

Future Apex Fund

AUM (Cr)

₹130

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.71 13.04 13.12 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,687

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.88 15.14 15.11 %

View Fund

Virtue II

AUM (Cr)

₹3,237

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.31 15.2 14.59 %

View Fund

Grow Money Plus Fund

AUM (Cr)

₹446

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.91 12.79 14.26 %

View Fund

Frontline Equity Fund

AUM (Cr)

₹4,837

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.67 13.54 13.9 %

View Fund

Accelerator Fund

AUM (Cr)

₹219

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.63 13.6 13.59 %

View Fund

Diversified Equity Fund

AUM (Cr)

₹3,598

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.57 12.07 13.38 %

View Fund

Future Apex Fund

AUM (Cr)

₹130

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.71 13.04 13.12 %

View Fund

Pure Stock Fund

AUM (Cr)

₹7,314

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.1 12.7 13.07 %

View Fund

Growth Super Fund

AUM (Cr)

₹12,241

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.86 11.2 12.66 %

View Fund

Super 20

AUM (Cr)

₹2,097

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.09 10.69 12.18 %

View Fund

Whole Life Mid Cap Equity Fund

AUM (Cr)

₹11,620

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.89 18.47 17.58 %

View Fund

Opportunities Fund

AUM (Cr)

₹35,377

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.52 14.22 14.35 %

View Fund

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,458

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.18 12.43 13.92 %

View Fund

Multi Cap Fund

AUM (Cr)

₹9,938

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21 19.85 22 %

View Fund

High Growth Fund

AUM (Cr)

₹12,572

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.05 20.35 18.19 %

View Fund

Growth Opportunities Plus Fund

AUM (Cr)

₹1,051

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.26 13.86 14.73 %

View Fund

Classic Opportunities Fund

AUM (Cr)

₹13,553

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.47 12.53 13.09 %

View Fund

Flexi Cap

AUM (Cr)

₹1,125

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.73 12.53 12.75 %

View Fund

Opportunities Fund

AUM (Cr)

₹3,551

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.05 12.23 12.44 %

View Fund

Equity Top 250 Fund

AUM (Cr)

₹526

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.2 11.27 11.39 %

View Fund

Asset Allocation

AUM (Cr)

₹242

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.93 9.02 10.19 %

View Fund

Whole Life Income Fund

AUM (Cr)

₹823

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.07 7.13 7.49 %

View Fund

Debt Fund

AUM (Cr)

₹499

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.77 7.14 7.23 %

View Fund

Bond Fund

AUM (Cr)

₹117

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.12 6.73 7.04 %

View Fund

Steady Money Fund

AUM (Cr)

₹77

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.82 6.65 6.98 %

View Fund

Dynamic Gilt Fund

AUM (Cr)

₹172

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.04 6.31 6.87 %

View Fund

Debt Fund

AUM (Cr)

₹93

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.73 6.74 6.84 %

View Fund

Bond Fund

AUM (Cr)

₹16,781

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.72 6.54 6.82 %

View Fund

Secure Fund

AUM (Cr)

₹1,013

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.15 6.54 6.8 %

View Fund

Bond Fund

AUM (Cr)

₹1,602

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.7 6.21 6.62 %

View Fund

Whole Life Aggressive Growth Fund

AUM (Cr)

₹904

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.94 15.31 15.18 %

View Fund

Balanced Fund

AUM (Cr)

₹354

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.12 9.88 10.31 %

View Fund

Save N Grow Money Fund

AUM (Cr)

₹62

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.22 8.87 9.96 %

View Fund

Balanced Fund

AUM (Cr)

₹5,072

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.11 8.98 9.95 %

View Fund

Creator

AUM (Cr)

₹460

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.98 9.01 9.9 %

View Fund

Balanced Fund

AUM (Cr)

₹21,160

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.56 8.77 9.64 %

View Fund

Balancer II

AUM (Cr)

₹807

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.88 9.33 9.63 %

View Fund

Growth Fund

AUM (Cr)

₹6,860

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.3 9.09 9.56 %

View Fund

Asset Allocation Fund II

AUM (Cr)

₹272

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.32 8.79 9.54 %

View Fund

Multi Cap Balanced Fund

AUM (Cr)

₹1,775

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.89 8.92 9.3 %

View Fund

What is a Monthly SIP Plan?

Monthly SIP means a Systematic Investment Plan that helps invest a fixed amount of money in a market-linked fund every month. This investment option helps you build wealth over time by spreading out your investment, making it more affordable and reducing risk. You do not need to time the market, as your money is invested regularly, helping you benefit from market ups and downs.

How is a SIP Calculator Useful for a Monthly SIP Plan?

A SIP calculator month wise is useful to estimate the future value of your investments based on factors like investment amount, tenure, and expected return rate. This helps you set realistic financial goals, understand potential returns, and plan your investments effectively.

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
Equity Pension SBI Life Rating	10.42%	11.16%	12.3% View Plan
Opportunities Fund HDFC Life Rating	13.52%	14.22%	14.35% View Plan
High Growth Fund Axis Max Life Rating	19.05%	20.35%	18.19% View Plan
Opportunities Fund ICICI Prudential Life Rating	12.05%	12.23%	12.44% View Plan
Multi Cap Fund Tata AIA Life Rating	21%	19.85%	22% View Plan
Accelerator Mid-Cap Fund II Bajaj Life Rating	13.18%	12.43%	13.92% View Plan
Multiplier Birla Sun Life Rating	15.39%	14.43%	15.52% View Plan
Virtue II PNB MetLife Rating	13.31%	15.2%	14.59% View Plan
Equity II Fund Canara HSBC Life Rating	9.27%	9.09%	10.38% View Plan
Blue-Chip Equity Fund Star Union Dai-ichi Life Rating	8.08%	8.87%	10.12% View Plan

Fund rating powered by

Last updated: Feb 2026

Compare more funds

Fund Name	AUM	Return 3 Years	Return 5 Years	Return 10 Years	Minimum Investment	Return Since Launch
Motilal Oswal BSE Enhanced Value Index Fund Regular - Growth	₹822.00 Crs	30.75%	N/A	N/A	₹500	30.81%
Bandhan Small Cap Fund Regular-Growth	₹14,062.19 Crs	28.07%	21.43%	N/A	₹1,000	26.81%
Motilal Oswal Midcap Fund Regular-Growth	₹33,608.53 Crs	19.33%	20.89%	16.19%	₹500	19.24%
ICICI Prudential Infrastructure Fund-Growth	₹7,941.20 Crs	21.67%	24.25%	17.91%	₹5,000	15.12%
Canara Robeco Large Cap Fund Regular-Growth	₹16,406.92 Crs	13.1%	10.44%	13.61%	₹100	11.89%
Mirae Asset Large Cap Fund Direct- Growth	₹39,975.32 Crs	12.45%	10.71%	14.11%	₹5,000	14.87%
Kotak Midcap Fund Regular-Growth	₹57,375.20 Crs	19.44%	17.38%	17.79%	₹100	14.27%
SBI Small Cap Fund-Growth	₹35,562.96 Crs	12.17%	14.15%	17.38%	₹5,000	17.88%
SBI Gold ETF	₹8,810.86 Crs	33.06%	25.47%	16.05%	₹5,000	13.48%

Updated as of Feb 2026

Compare more funds

How Does a Monthly SIP Plan Work?

A monthly SIP plan works in the following way:

Select a Fund: Choose a market-linked fund based on your investment goals.
Set Amount and Date: Decide how much to invest monthly and pick a date for automatic deductions.
Invest Regularly: Each month, your money is used to buy units of the fund, with more units bought when prices are low and fewer when high.
Grow Wealth: Over time, this rupee-cost averaging strategy helps to reduce risk and steadily build your wealth through market fluctuations.

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 ₹1.03 Cr

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)

12.3%

Equity Pension

14.35%

Opportunities Fund

18.19%

High Growth Fund

12.44%

Opportunities Fund

22%

Multi Cap Fund

13.92%

Accelerator Mid-Cap Fund II

15.52%

Multiplier

13.9%

Frontline Equity Fund

14.59%

Virtue II

10.38%

Equity II Fund

10.12%

Blue-Chip Equity Fund

14.73%

Growth Opportunities Plus Fund

11.39%

Equity Top 250 Fund

13.12%

Future Apex Fund

11.07%

Pension Dynamic Equity Fund

13.59%

Accelerator Fund

What are the Benefits of a Monthly SIP Plan?

The key benefits of a monthly SIP plan are as follows:

Disciplined Investing: SIPs promote regular savings by encouraging investors to commit a fixed amount monthly.
Rupee Cost Averaging: Investing monthly in an SIP plan helps average out the cost of purchases, reducing the impact of market volatility.
Power of Compounding: Regular investments benefit from compounding, allowing your returns to generate additional returns over time.
No Need to Time the Market: SIPs eliminate the stress of trying to time the market, as investments occur automatically over time.
Budget-Friendly: A monthly SIP plan allows you to start investing in small amounts, making it accessible for everyone.
Flexibility: You can easily adjust the amount or frequency of your SIP contributions according to your financial situation.
Convenient & Automated: SIPs can be set up for automatic deductions, making investing hassle-free.
Diversified Risk: Investing through SIPs in market-linked funds spreads risk across various assets, enhancing safety.

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

What are the Factors to Consider Before Starting a Monthly SIP Plan?

Consider the following factors before choosing best SIP plan for monthly contributions:

Investment Goals: Define your financial objectives, such as saving for retirement, buying a home, or funding education, to choose appropriate SIP products.
Risk Tolerance: Assess your comfort level with risk to select market-linked ULIP or mutual funds that align with your ability to handle market fluctuations.
Time Horizon: Consider how long you plan to invest, as longer horizons can typically accommodate higher-risk investments.
Fund Performance: Research the historical performance of the market-linked funds you are considering, keeping in mind that past performance is not always indicative of future results.
Expense Ratios: Look at the fees associated with the market-linked funds, as lower expense ratios can lead to higher net returns over time.
Fund Manager's Track Record: Evaluate the experience and performance of the fund manager, as skilled management can significantly impact fund performance.
Liquidity Needs: Consider your need for liquidity; some investments may have lock-in periods or penalties for early withdrawals.
Tax Implications: Understand the tax consequences of your SIP investments, as different funds may have different tax treatments.

How to Start a Monthly SIP?

You can follow the steps mentioned below to start investing in a monthly SIP plan:

Visit Policybazaar: Go to the form mentioned on this page and fill in the required details.
Choose Funds for SIP: Compare various investment plans and select the best market-linked fund as per your risk tolerance, financial goals, and investment horizon.
Set SIP Amount: Enter your desired monthly investment amount.
Complete KYC and Confirm: Finish the required details to purchase the plan, link your bank account, and confirm to start your SIP.

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

Monthly SIP vs Daily SIP

Feature	Monthly SIP	Daily SIP
Investment Frequency	Invests once a month	Invests daily
Amount	Fixed investment amount monthly	Smaller, more frequent investments
Market Timing	Less sensitive to market fluctuations	More responsive to daily market changes
Average Cost	Less frequent averaging of costs	More effective rupee cost averaging
Liquidity	Lower liquidity due to monthly lock-in	Higher liquidity due to frequent investments
Flexibility	Fixed commitment per month	Flexible, can adjust daily investments
Ideal For	Investors with a stable monthly income	Investors seeking to invest surplus cash daily
Convenience	Simple management and fewer transactions	Requires daily monitoring and management

Conclusion

A Monthly SIP Plan is a smart, hassle-free way to grow your wealth over time. By investing consistently, you harness the power of compounding and make market volatility work in your favour. It is an easy, disciplined approach to secure your financial future, one step at a time.

FAQs

Can I invest ₹1000 monthly in SIP?

Yes, you can invest ₹1000 per month in a Systematic Investment Plan (SIP). Many market-linked funds allow this flexibility.
Can I invest in SIP for 1 month?

Yes, you can start a SIP for just one month, but it is typically recommended to invest for a longer period to maximize benefits.
Is monthly SIP safe?

Monthly SIPs are considered relatively safe, but like all investments in market-linked funds, they carry market risk. Diversification and choosing the right fund can help mitigate this risk.

Monthly SIP Plan

Best SIP Funds

What is a Monthly SIP Plan?

How is a SIP Calculator Useful for a Monthly SIP Plan?

How Does a Monthly SIP Plan Work?

SIP Calculator

What are the Benefits of a Monthly SIP Plan?

What are the Factors to Consider Before Starting a Monthly SIP Plan?

How to Start a Monthly SIP?

Monthly SIP vs Daily SIP

Conclusion

FAQs

Can I invest ₹1000 monthly in SIP?

Can I invest in SIP for 1 month?

Is monthly SIP safe?

SIP plans articles

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