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:
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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.
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Nippon India Small Cap Fund - Growth
This fund aims for long-term capital appreciation by investing predominantly in small-cap stocks with high growth potential at attractive valuations. It adopts risk management through diversification and margin of safety, positioning it as another strong candidate for the best SIP plans for 5 and 10 years for investors seeking aggressive growth and good risk-adjusted returns.
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Nippon India Balanced Advantage Fund-Growth
The objective is to capitalize on the equity market upside while limiting downside risk via dynamic asset allocation among equity, debt, money market instruments, and derivatives. Its model-based approach suits investors looking for a balanced best SIP plan for 5 to 10 years, blending growth and risk mitigation.
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Nippon India Value Fund-Growth
This fund seeks capital appreciation and consistent returns by actively investing in undervalued stocks with strong long-term growth potential across market caps. Its value investment philosophy makes it a preferred SIP plan for investors looking for steady long-term growth over 5 and 10-year horizons.
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Nippon India Focused Fund-Growth
The fund's objective is long-term capital growth by actively investing in a concentrated portfolio of up to 30 equity stocks across market caps, with a secondary aim of consistency via debt and market securities. Its focused, high-conviction strategy suits investors targeting one of the best SIP plans for 5 and 10 years with concentrated growth potential.
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Nippon India Retirement Fund - Wealth Creation Scheme-Growth
It aims to provide capital appreciation and consistent income aligned with retirement goals by investing mainly in large-cap equity, along with mid-caps and fixed income securities. Suited for long-term wealth creation, this fund can be an ideal best SIP plan for 10 years for retirement accumulation.
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Nippon India Power & Infra Fund-Growth
The objective is long-term capital appreciation by investing primarily in equity and equity-related securities of power and infrastructure sector companies in India. This sector-focused fund is recommended for investors seeking high growth through the best SIP plans for 5 years or more in thematic investing.
- Insurance Companies
- Mutual Funds
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Returns |
| Fund Name |
5 Years |
7 Years |
10 Years |
| SBI Life |
13.49% |
13.09% |
|
| HDFC Life |
19.5% |
15.82% |
|
| Axis Max Life |
22.7% |
22.12% |
|
| ICICI Prudential Life |
16.33% |
14.66% |
|
| Tata AIA Life |
29% |
23.3% |
|
| Bajaj Life |
17.55% |
14.25% |
|
| Birla Sun Life |
19.5% |
16.12% |
|
| PNB MetLife |
31.41% |
24.68% |
|
| Canara HSBC Life |
13.16% |
11.5% |
|
| Star Union Dai-ichi Life |
15.2% |
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|
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Last updated: Nov 2025
How Do Nippon SIP Plans Work?
- Fixed Amount and Frequency: You commit to investing a fixed amount (e.g., ₹5,000) at a fixed interval (e.g., monthly) in a selected Nippon India Mutual Fund scheme.
- Unit Allocation: On the designated SIP date, your bank account is debited, and the money is used to purchase units of the mutual fund scheme based on the current Net Asset Value (NAV) per unit on that day.
Units Allotted = SIP amount / NAV on date of investment
- Rupee-Cost Averaging: Rupee-Cost Averaging is the core benefit. When the market is high (and NAV is high), your SIP buys fewer units. When the market is low (and NAV is low), your SIP buys more units. Over time, this averages your purchase cost per unit, which helps mitigate the risk of investing all your capital at a market peak (Lumpsum risk).
- Power of Compounding: Since your returns are reinvested, they also start earning returns, leading to exponential growth over a long investment horizon. This is the magic of the power of compounding.
SIP Calculator
Monthly Investment
₹22.4 L
Top Funds with High Returns (Past 7 Years)
13.13%
Equity Pension
15.9%
Opportunities Fund
19.1%
Pension Growth Super
13.34%
Opportunities Fund
21.1%
Multi Cap Fund
14.34%
Accelerator Mid-Cap Fund II
15.9%
Multiplier
14.8%
Frontline Equity Fund
18.41%
Pension Mid Cap Fund
11.31%
Equity II Fund
14.8%
US Equity Fund
15.17%
Growth Opportunities Plus Fund
11.81%
Equity Top 250 Fund
14.25%
Future Apex Fund
12.17%
Pension Dynamic Equity Fund
14.56%
Pension Enhanced Equity
Innovative SIP Feature:
Nippon India also offers a feature called SIP+ (Systematic Investment Plan Plus), which is a dynamic approach. It uses an algorithm to determine if the market is cheap or expensive and accordingly varies your monthly installment (typically from 0.3X to 3X of your base SIP amount) to buy more when markets are low.
