Reliance SIP Plans

Investing in Reliance SIP Plans (now under Nippon India Mutual Fund) helps Indian investors grow wealth steadily by investing small amounts regularly instead of lump sums. A Systematic Investment Plan (SIP) uses the power of compounding and disciplined investing to build a significant corpus over time, making it suitable for goals like retirement, wealth creation, or long-term savings.

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 Reliance SIP Plans 2026 (Nippon India SIP Plans)

Fund Name	AUM	Return 3 Years	Return 5 Years	Return 10 Years	Minimum Investment	Return Since Launch
Nippon India Silver ETF FoF Regular - Growth	₹4,719.87 Crs	43.74%	N/A	N/A	₹100	34.07%
Nippon India Gold Savings Fund-Growth	₹7,222.59 Crs	32.57%	24.75%	16.02%	₹100	12.03%
Nippon India Growth Mid Cap Fund - Growth	₹43,982.51 Crs	22.97%	19.63%	18.17%	₹100	21.58%
Nippon India Power & Infra Fund-Growth	₹7,127.91 Crs	23.54%	21.85%	17.08%	₹5,000	17.31%
Nippon India Pharma Fund-Growth	₹8,306.35 Crs	21.43%	13.93%	13.97%	₹5,000	19.45%
Nippon India Nifty Midcap 150 Index Fund Regular - Growth	₹2,188.15 Crs	19.95%	16.37%	N/A	₹100	16.95%
Nippon India Value Fund-Growth	₹9,034.44 Crs	19.06%	15.99%	15.37%	₹500	15.59%
Nippon India Multi Asset Allocation Fund Regular - Growth	₹13,438.26 Crs	19.09%	15.15%	N/A	₹5,000	16.1%
Nippon India Nifty Next 50 Junior BeES FoF Regular - Growth	₹699.73 Crs	18.21%	12.63%	N/A	₹100	12.49%
Nippon India Multi Cap Fund-Growth	₹50,820.01 Crs	18.57%	18.9%	15.08%	₹100	17.01%

Details of Top-Performing Reliance SIP Plans/Nippon SIP Plans

Top Reliance/Nippon SIP plans show consistent performance over 3 to 5 years with returns sometimes exceeding 15-30% depending on the plan and market conditions.

Below are the details of the best SIP plans by Reliance Mutual Fund, now Nippon Mutual Fund:

Nippon India Silver ETF FoF Regular - Growth

Nippon India Silver ETF FoF Regular - Growth seeks to provide returns that closely correspond to the returns provided by Nippon India Silver ETF by investing predominantly in its units. This Fund of Funds offers convenient exposure to domestic silver prices without physical holding.

Parameters	Details
Fund Name	Nippon India Silver ETF FoF Regular - Growth
NAV	₹ 33.90 (as on 2nd April, 2026)
AUM	₹4,719.87 Crs
Expense Ratio	0.56%
Return 5 Years	N/A
Minimum Investment	SIP ₹1000 & Lumpsum ₹100
Risk Level	Principal at very high risk
Launch Date	2nd February, 2022
Asset Allocation	Debt: 0%, Others: 1.5%, Commodities: 98.5%
Top Sectors	NA
Top Holdings	Nippon India Silver ETF - Growth Repo Others Mrgn Money Net Payables
Fund Managers	NA
Fund Type	Open-ended

Nippon India Gold Savings Fund-Growth

Nippon India Gold Savings Fund-Growth aims to generate returns that closely correspond to domestic gold prices by investing predominantly in units of Nippon India ETF Gold BeES. It provides an easy mutual fund route for gold investment tracking.

Parameters	Details
Fund Name	Nippon India Gold Savings Fund-Growth
NAV	₹ 55.50 (as on 2nd April, 2026)
AUM	₹7,222.59 Crs
Expense Ratio	0.35%
Return 5 Years	24.75%
Minimum Investment	SIP ₹1000 & Lumpsum ₹100
Risk Level	Principal at high risk
Launch Date	7th March, 2011
Asset Allocation	Debt: 0%, Others: 1.53%, Commodities: 98.47%
Top Sectors	NA
Top Holdings	Nippon India ETF Gold BeES IDCW Repo Others Mrgn Money Net Payables
Fund Managers	NA
Fund Type	Open-ended

Nippon India Growth Mid Cap Fund - Growth

The primary objective is to achieve long-term capital growth by investing in mid-cap equity and equity-related securities using a research-driven approach. It aims to identify growth stocks available at reasonable valuations for wealth creation, making it suitable as one of the best SIP plans for 5 years and 10 years due to its growth focus and potential for alpha generation.

Parameters	Details
Fund Name	Nippon India Growth Mid Cap Fund - Growth
NAV	₹ 3,880.43 (as on 2nd April, 2026)
AUM	₹43,982.51 Crs
Expense Ratio	1.55%
Return 5 Years	19.63%
Minimum Investment	SIP ₹1000 & Lumpsum ₹100
Risk Level	Principal at very high risk
Launch Date	8th October, 1995
Asset Allocation	Equity: 98.66%, Debt: 0.01%, Others: 1.33%
Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Real Estate Technology
Top Holdings	BSE Ltd Fortis Healthcare Ltd Repo The Federal Bank Ltd Cholamandalam Financial Holdings Ltd AU Small Finance Bank Ltd Persistent Systems Ltd Voltas Ltd Bharat Forge Ltd Ashok Leyland Ltd
Fund Managers	Rupesh Patel Kinjal Desai
Fund Type	Open-ended

Start An Sip Today Watch Your Money Grow

Nippon India Power & Infra Fund-Growth

Nippon India Power & Infra Fund-Growth seeks long-term capital appreciation by investing predominantly in equity and equity-related instruments of companies engaged in the power and infrastructure sectors. It targets firms benefiting from India's energy and infrastructure growth.

Parameters	Details
Fund Name	Nippon India Power & Infra Fund-Growth
NAV	₹ 330.57 (as on 2nd April, 2026)
AUM	₹7,127.91 Crs
Expense Ratio	1.86%
Return 5 Years	21.85%
Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
Risk Level	Principal at very high risk
Launch Date	8th May, 2004
Asset Allocation	Equity: 99.23%, Debt: 0.01%, Others: 0.76%
Top Sectors	Financial Consumer Discretionary Industrials Diversified Energy & Utilities Healthcare Materials Real Estate Technology
Top Holdings	Reliance Industries Ltd NTPC Ltd Bharti Airtel Ltd Larsen & Toubro Ltd Tata Power Company Ltd CG Power & Industrial Solutions Ltd Bharat Heavy Electricals Ltd Ultratech Cement Ltd NTPC Green Energy Ltd. Kaynes Technology India Ltd
Fund Managers	NA
Fund Type	Open-ended

Nippon India Pharma Fund-Growth

Nippon India Pharma Fund-Growth generates long-term capital appreciation by investing predominantly in equity and equity-related securities of companies engaged in the pharmaceutical, healthcare, and allied sectors. It capitalises on the growing pharma industry.

Parameters	Details
Fund Name	Nippon India Pharma Fund-Growth
NAV	₹ 485.27 (as on 2nd April, 2026)
AUM	₹8,306.35 Crs
Expense Ratio	1.82%
Return 5 Years	13.93%
Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
Risk Level	Principal at very high risk
Launch Date	5th June, 2004
Asset Allocation	Equity: 99.68%, Debt: 0%, Others: 0.32%
Top Sectors	NA
Top Holdings	Sun Pharmaceutical Industries Ltd Divi's Laboratories Ltd Lupin Ltd Cipla Ltd Dr. Reddy's Laboratories Ltd Apollo Hospitals Enterprise Ltd Medplus Health Services Ltd Vijaya Diagnostic Centre Ltd Max Healthcare Institute Ltd Ajanta Pharma Ltd
Fund Managers	NA
Fund Type	Open-ended

Nippon India Nifty Midcap 150 Index Fund Regular - Growth

Nippon India Nifty Midcap 150 Index Fund Regular - Growth aims to replicate the total returns of the Nifty Midcap 150 Index by investing in its constituent securities, subject to tracking errors. It offers passive exposure to top mid-cap stocks.

Parameters	Details
Fund Name	Nippon India Nifty Midcap 150 Index Fund Regular - Growth
NAV	₹ 22.28 (as on 2nd April, 2026)
AUM	₹2,188.15 Crs
Expense Ratio	0.8%
Return 5 Years	16.37%
Minimum Investment	SIP ₹1000 & Lumpsum ₹100
Risk Level	Principal at very high risk
Launch Date	19th February, 2021
Asset Allocation	Equity: 99.93%, Debt: 0%, Others: 0.07%
Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Real Estate Technology
Top Holdings	BSE Ltd Max Healthcare Institute Ltd Hero Motocorp Ltd Suzlon Energy Ltd The Federal Bank Ltd Dixon Technologies (India) Ltd Persistent Systems Ltd Cummins India Ltd PB Fintech Ltd Indusind Bank Ltd
Fund Managers	NA
Fund Type	Open-ended

Nippon India Value Fund-Growth

Nippon India Value Fund-Growth generates long-term capital appreciation by investing in undervalued stocks across market caps, using a value investing approach. It seeks to buy low and hold for appreciation.

Parameters	Details
Fund Name	Nippon India Value Fund-Growth
NAV	₹ 204.55 (as on 2nd April, 2026)
AUM	₹9,034.44 Crs
Expense Ratio	1.84%
Return 5 Years	15.99%
Minimum Investment	SIP ₹1000 & Lumpsum ₹500
Risk Level	Principal at very high risk
Launch Date	8th June, 2005
Asset Allocation	Equity: 97.57%, Debt: 0.01%, Others: 2.42%
Top Sectors	Energy & Utilities Consumer Discretionary Consumer Staples Materials Technology Industrials Real Estate Financial Healthcare
Top Holdings	HDFC Bank Ltd Repo ICICI Bank Ltd State Bank of India NTPC Ltd Oil & Natural Gas Corporation Ltd Vedanta Ltd Indusind Bank Ltd Infosys Ltd Axis Bank Ltd
Fund Managers	Meenakshi Dawar Dhrumil Shah
Fund Type	Open-ended

Start Small & Build Your Wealth For A Brighter Tomorrow

Nippon India Multi Asset Allocation Fund Regular - Growth

Nippon India Multi Asset Allocation Fund Regular - Growth seeks long-term growth through a diversified portfolio across equity, debt, gold, and other asset classes, dynamically allocating based on market conditions. It balances risk and return.

Parameters	Details
Fund Name	Nippon India Multi Asset Allocation Fund Regular - Growth
NAV	₹ 23.06 (as on 2nd April, 2026)
AUM	₹13,438.26 Crs
Expense Ratio	1.36%
Return 5 Years	15.15%
Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
Risk Level	Principal at very high risk
Launch Date	28th August, 2020
Asset Allocation	Equity: 63.53%, Debt: 16.19%, Others: 5.24%, Commodities: 15.04%
Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
Top Holdings	Nippon India ETF Gold BeES IDCW IShares MSCI World ETF Repo Nippon India Silver ETF - Growth ICICI Bank Ltd HDFC Bank Ltd Reliance Industries Ltd Infosys Ltd State Bank of India GOLD MINI (100 GRAMS) COMMODITY JUNE 2020 FUTURE
Fund Managers	Vikram Dhawan Ashutosh Bhargava Kinjal Desai Sushil Budhia
Fund Type	Open-ended

Nippon India Nifty Next 50 Junior BeES FoF Regular - Growth

Nippon India Nifty Next 50 Junior BeES FoF Regular - Growth provides returns corresponding to Nippon India ETF Nifty Next 50 Junior BeES by investing predominantly in its units. It tracks the Nifty Next 50 Index for exposure to future large-caps.

Parameters	Details
Fund Name	Nippon India Nifty Next 50 Junior BeES FoF Regular - Growth
NAV	₹ 22.99 (as on 2nd April, 2026)
AUM	₹699.73 Crs
Expense Ratio	0.29%
Return 5 Years	12.63%
Minimum Investment	SIP ₹1000 & Lumpsum ₹100
Risk Level	Principal at very high risk
Launch Date	8th March, 2019
Asset Allocation	Equity: 99.88%, Debt: 0%, Others: 0.12%
Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Real Estate Technology
Top Holdings	Reliance ETF Junior BeES Repo Others Mrgn Money Net Payables
Fund Managers	NA
Fund Type	Open-ended

Nippon India Multi Cap Fund-Growth

Nippon India Multi Cap Fund-Growth generates long-term capital appreciation by investing across large-cap, mid-cap, and small-cap equities in a diversified manner. It aims for balanced growth across market segments.

Parameters	Details
Fund Name	Nippon India Multi Cap Fund-Growth
NAV	₹ 271.95 (as on 2nd April, 2026)
AUM	₹50,820.01 Crs
Expense Ratio	1.5%
Return 5 Years	18.9%
Minimum Investment	SIP ₹1000 & Lumpsum ₹100
Risk Level	Principal at very high risk
Launch Date	28th March, 2005
Asset Allocation	Equity: 99.37%, Debt: 0%, Others: 0.63%
Top Sectors	Consumer Staples Diversified Consumer Discretionary Industrials Energy & Utilities Financial Healthcare Materials Real Estate Technology
Top Holdings	HDFC Bank Ltd ICICI Bank Ltd Axis Bank Ltd GE T&D India Ltd Infosys Ltd Reliance Industries Ltd Max Financial Services Ltd State Bank of India NTPC Ltd Linde India Ltd
Fund Managers	Sailesh Raj Bhan Ashutosh Bhargava
Fund Type	Open-ended

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
Top 300 Fund SBI Life Rating	8.92%	10.64%	11.71% View Plan
Opportunities Fund HDFC Life Rating	12.59%	13.55%	13.85% View Plan
High Growth Fund Axis Max Life Rating	18.26%	19.82%	17.91% View Plan
Opportunities Fund ICICI Prudential Life Rating	11.51%	11.81%	12.11% View Plan
Multi Cap Fund Tata AIA Life Rating	21%	19.29%	22% View Plan
Accelerator Mid-Cap Fund II Bajaj Life Rating	12.48%	11.9%	13.51% View Plan
Multiplier Birla Sun Life Rating	14.61%	13.7%	15.02% View Plan
Virtue II PNB MetLife Rating	12.75%	15.01%	14.47% View Plan
Equity II Fund Canara HSBC Life Rating	8.59%	8.52%	9.97% View Plan
Blue-Chip Equity Fund Star Union Dai-ichi Life Rating	7.62%	8.49%	9.87% View Plan

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Last updated: Mar 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	₹1,748.84 Crs	29.74%	N/A	N/A	₹500	29.63%
Bandhan Small Cap Fund Regular-Growth	₹20,474.12 Crs	27.65%	20.77%	N/A	₹1,000	26.59%
Motilal Oswal Midcap Fund Regular-Growth	₹33,689.20 Crs	18.96%	20.42%	15.88%	₹500	19.13%
ICICI Prudential Infrastructure Fund-Growth	₹8,097.89 Crs	21.42%	23.88%	17.65%	₹5,000	15.1%
Canara Robeco Large Cap Fund Regular-Growth	₹17,103.62 Crs	11.63%	9.73%	13.1%	₹100	11.73%
Mirae Asset Large Cap Fund Direct- Growth	₹40,184.41 Crs	11%	10.14%	13.7%	₹5,000	14.68%
Kotak Midcap Fund Regular-Growth	₹61,694.40 Crs	18.6%	16.45%	17.28%	₹100	14.16%
SBI Small Cap Fund-Growth	₹34,931.73 Crs	11.56%	13.34%	16.95%	₹5,000	17.8%
SBI Gold ETF	₹24,897.99 Crs	33.01%	25.38%	16.25%	₹5,000	13.42%

Updated as of Mar 2026

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How Do Nippon SIP Plans Work?

A Nippon SIP Plan (offered by Nippon India Mutual Fund, formerly Reliance Mutual Fund) allows you to invest a fixed amount every month into a selected mutual fund scheme.

Here is how it works in simple steps:

You choose a Nippon mutual fund scheme (equity, hybrid, ELSS, etc.).
You decide on a fixed monthly amount (for example, ₹5,000).
The amount gets automatically deducted from your bank account every month.
Units are allotted based on the NAV (Net Asset Value) on the investment date.
Over time, your investment grows as markets grow and returns increase.
Investing regularly helps you benefit from rupee cost averaging and the power of compounding over time.

How a SIP Calculator Helps You Plan Your Reliance SIP Investment?

A SIP calculator helps you estimate the total corpus you could accumulate based on your SIP amount, assumed annual return, and investment period. It makes planning easier without complex math.

Benefits of using a SIP calculator:

You can set realistic financial goals.
It tells you how much you need to invest monthly to meet those goals.
Helps plan time horizons and expected 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 ₹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)

11.9%

Equity Pension

13.85%

Opportunities Fund

17.91%

High Growth Fund

12.11%

Opportunities Fund

22%

Multi Cap Fund

13.51%

Accelerator Mid-Cap Fund II

15.02%

Multiplier

13.55%

Frontline Equity Fund

14.47%

Virtue II

9.97%

Equity II Fund

10.16%

Gift Global Opportunity Maximizer Fund

14.32%

Growth Opportunities Plus Fund

10.86%

Equity Top 250 Fund

12.71%

Future Apex Fund

10.75%

Pension Dynamic Equity Fund

13.17%

Accelerator Fund

For example, if you invest in a Nippon SIP Plan as per the following details:

Monthly SIP: ₹10,000
Investment Period: 10 years
Expected Return: 12% per annum (equity SIP assumption)

Particulars	Value
Monthly Investment	₹10,000
Annual Investment	₹1,20,000
Total Investment (10 years)	₹12,00,000
Expected Return (p.a.)	12%
Estimated Maturity Value	₹22.40 lakh
Wealth Gained	₹10.4 lakh

Benefits of Reliance SIP Plans in 2026?

Reliance SIP Plans (now marketed as Nippon India Mutual Fund SIPs) remain highly relevant because:

Low Starting Amount: You can start with small SIP amounts even in modest income brackets.
Compounding Power: Regular investing over many years allows returns to build upon themselves.
Flexible Planning: You can choose equity, hybrid, or balanced plans depending on your goals and risk tolerance.
Time in Market Beats Timing: SIPs help avoid the complex strategy of market timing. You invest consistently regardless of market conditions.

Conclusion

Reliance SIP Plans (Nippon India SIPs) combine disciplined investing, flexibility, and the power of compounding, making them a strong choice for long-term investors in 2026. Whether you are a beginner or an experienced investor, choosing the right SIP plan with reasonable expectations and a defined goal positioning can help you grow your savings strategically.

FAQs

Can I change my SIP amount midway?

Yes. You can increase or decrease your SIP amount at any time. However, changing frequently without a plan can dilute the discipline that makes SIPs effective.
Is there a limit to how many SIPs I can hold at once?

No. You can hold multiple SIPs across different funds or within the same fund house. But too many overlapping SIPs without diversification goals can reduce the clarity of your financial plan.
What happens to my SIP if markets fall sharply?

When markets fall, your SIP continues to buy more units at lower NAVs. This is beneficial over time because it improves your average cost per unit, a phenomenon called rupee cost averaging.
Can I pause my SIP temporarily?

Yes, most fund houses, including Nippon India, allow you to pause or suspend SIPs temporarily. Be careful: frequent pauses reduce the compounding effect and delay goal achievement.
What is the minimum SIP amount required?

Most funds permit SIP starts from very small amounts (often ₹500 or ₹1,000 per month). This makes SIPs accessible even to new or conservative investors.