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.

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Best SIP Funds

Tax Saving FundsLarge Cap Low Return FundsMid Cap Mid Return FundsMulti CapDebt FundsShariah FundsBalanced Funds
Payment Mode
Invest
₹ 10,000
Invest for
AUM (Cr)

₹12,038

NAV

₹174.4

Estimated Value

₹

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

+ 17.62 20.85 18.16 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,211

NAV

₹70.23

Estimated Value

₹

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

+ 12.15 16.7 15.29 %

View Fund
Instant tax receipt
AUM (Cr)

₹2,538

NAV

₹73.12

Estimated Value

₹

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

+ 11.92 15.8 15.11 %

View Fund
Instant tax receipt
AUM (Cr)

₹34,849

NAV

₹79.67

Estimated Value

₹

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

+ 13.48 16.01 14.66 %

View Fund
Instant tax receipt
AUM (Cr)

₹5,554

NAV

₹83.22

Estimated Value

₹

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

+ 12.68 14.81 14.39 %

View Fund
Instant tax receipt
AUM (Cr)

₹419

NAV

₹68.18

Estimated Value

₹

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

+ 10.24 13.33 14.05 %

View Fund
Instant tax receipt
AUM (Cr)

₹4,846

NAV

₹70.06

Estimated Value

₹

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

+ 12.7 14.71 13.94 %

View Fund
Instant tax receipt
AUM (Cr)

₹202

NAV

₹47.99

Estimated Value

₹

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

+ 12.73 14.11 13.43 %

View Fund
Instant tax receipt
AUM (Cr)

₹135

NAV

₹56.71

Estimated Value

₹

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

+ 11.47 14.12 13.41 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,388

NAV

₹40.83

Estimated Value

₹

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

+ 9.82 12.46 13.28 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,211

NAV

₹70.23

Estimated Value

₹

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

+ 12.15 16.7 15.29 %

View Fund
AUM (Cr)

₹2,538

NAV

₹73.12

Estimated Value

₹

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

+ 11.92 15.8 15.11 %

View Fund
AUM (Cr)

₹419

NAV

₹68.18

Estimated Value

₹

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

+ 10.24 13.33 14.05 %

View Fund
AUM (Cr)

₹4,846

NAV

₹70.06

Estimated Value

₹

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

+ 12.7 14.71 13.94 %

View Fund
AUM (Cr)

₹202

NAV

₹47.99

Estimated Value

₹

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

+ 12.73 14.11 13.43 %

View Fund
AUM (Cr)

₹135

NAV

₹56.71

Estimated Value

₹

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

+ 11.47 14.12 13.41 %

View Fund
AUM (Cr)

₹3,388

NAV

₹40.83

Estimated Value

₹

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

+ 9.82 12.46 13.28 %

View Fund
AUM (Cr)

₹7,200

NAV

₹147.97

Estimated Value

₹

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

+ 10.39 13.47 12.78 %

View Fund
AUM (Cr)

₹761

NAV

₹29.55

Estimated Value

₹

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

+ 10.84 13.39 11.87 %

View Fund
AUM (Cr)

₹1,907

NAV

₹62.59

Estimated Value

₹

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

+ 8.49 10.94 11.8 %

View Fund
AUM (Cr)

₹12,038

NAV

₹174.4

Estimated Value

₹

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

+ 17.62 20.85 18.16 %

View Fund
AUM (Cr)

₹34,849

NAV

₹79.67

Estimated Value

₹

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

+ 13.48 16.01 14.66 %

View Fund
AUM (Cr)

₹5,554

NAV

₹83.22

Estimated Value

₹

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

+ 12.68 14.81 14.39 %

View Fund
AUM (Cr)

₹10,835

NAV

₹66.38

Estimated Value

₹

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

+ 21 21.36 22 %

View Fund
AUM (Cr)

₹32

NAV

₹10.39

Estimated Value

₹

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

+ 22 21.62 20 %

View Fund
AUM (Cr)

₹1,050

NAV

₹76.11

Estimated Value

₹

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

+ 12.55 15.09 15.04 %

View Fund
AUM (Cr)

₹13,103

NAV

₹71.32

Estimated Value

₹

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

+ 11.82 13.66 13.17 %

View Fund
AUM (Cr)

₹3,473

NAV

₹60.74

Estimated Value

₹

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

+ 13.3 12.8 12.6 %

View Fund
AUM (Cr)

₹1,020

NAV

₹54.08

Estimated Value

₹

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

+ 11.49 12.9 12.47 %

View Fund
AUM (Cr)

₹503

NAV

₹56.41

Estimated Value

₹

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

+ 9.04 11.66 11.28 %

View Fund
AUM (Cr)

₹220

NAV

₹27.56

Estimated Value

₹

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

+ 8.11 8.91 9.96 %

View Fund
AUM (Cr)

₹829

NAV

₹42.17

Estimated Value

₹

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

+ 6.06 6.83 7.42 %

View Fund
AUM (Cr)

₹528

NAV

₹39.56

Estimated Value

₹

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

+ 5.69 6.67 7.13 %

View Fund
AUM (Cr)

₹72

NAV

₹42.89

Estimated Value

₹

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

+ 6 6.52 7.01 %

View Fund
AUM (Cr)

₹127

NAV

₹30.82

Estimated Value

₹

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

+ 6.09 6.79 6.94 %

View Fund
AUM (Cr)

₹91

NAV

₹40.32

Estimated Value

₹

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

+ 5.72 6.42 6.77 %

View Fund
AUM (Cr)

₹1,064

NAV

₹48.48

Estimated Value

₹

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

+ 6.18 6.58 6.76 %

View Fund
AUM (Cr)

₹16,422

NAV

₹51.49

Estimated Value

₹

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

+ 5.65 6.26 6.72 %

View Fund
AUM (Cr)

₹156

NAV

₹48.33

Estimated Value

₹

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

+ 5.14 5.78 6.7 %

View Fund
AUM (Cr)

₹1,624

NAV

₹45.1

Estimated Value

₹

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

+ 5.74 5.98 6.58 %

View Fund
AUM (Cr)

₹897

NAV

₹102.97

Estimated Value

₹

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

+ 13.83 16.12 15.3 %

View Fund
AUM (Cr)

₹348

NAV

₹48.74

Estimated Value

₹

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

+ 9.1 10.34 10.26 %

View Fund
AUM (Cr)

₹4,662

NAV

₹40.33

Estimated Value

₹

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

+ 7.98 9.47 9.91 %

View Fund
AUM (Cr)

₹62

NAV

₹61.42

Estimated Value

₹

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

+ 7.99 9.05 9.88 %

View Fund
AUM (Cr)

₹433

NAV

₹103.8

Estimated Value

₹

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

+ 7.73 9.03 9.67 %

View Fund
AUM (Cr)

₹19,882

NAV

₹72.66

Estimated Value

₹

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

+ 7.31 8.87 9.53 %

View Fund
AUM (Cr)

₹751

NAV

₹39.57

Estimated Value

₹

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

+ 8.34 9.48 9.49 %

View Fund
AUM (Cr)

₹6,293

NAV

₹109.58

Estimated Value

₹

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

+ 7.9 9.18 9.47 %

View Fund
AUM (Cr)

₹1,669

NAV

₹44.25

Estimated Value

₹

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

+ 8.95 9.59 9.33 %

View Fund
AUM (Cr)

₹254

NAV

₹31.14

Estimated Value

₹

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

+ 7.74 9.18 9.24 %

View Fund
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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.

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 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
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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
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
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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
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Monthly Investment ₹22.4 L
View Plans
Top Funds with High Returns (Past 7 Years)
Midcap Fund
17.54%
Midcap Fund
Opportunities Fund
14.66%
Opportunities Fund
High Growth Pension Fund
20%
High Growth Pension Fund
Opportunities Fund
12.6%
Opportunities Fund
Multi Cap Fund
22%
Multi Cap Fund
Accelerator Mid-Cap Fund II
14.39%
Accelerator Mid-Cap Fund II
Multiplier
16.3%
Multiplier
Frontline Equity Fund
13.94%
Frontline Equity Fund
Virtue II
15.29%
Virtue II
Equity II Fund
10.24%
Equity II Fund
Blue-Chip Equity Fund
9.88%
Blue-Chip Equity Fund
Growth Opportunities Plus Fund
15.04%
Growth Opportunities Plus Fund
Equity Top 250 Fund
11.28%
Equity Top 250 Fund
Future Apex Fund
13.41%
Future Apex Fund
Pension Dynamic Equity Fund
10.77%
Pension Dynamic Equity Fund
Accelerator Fund
13.43%
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 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.

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10 Years
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12 Years
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15 Years
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20 Years
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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 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.

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Nippon India SIP Calculator
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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.

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Invest ₹10K/Month & Get ₹1 Crore# Tax-Free*
*under 10(10D)

˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI 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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