SBI SIP Investment

Best SBI SIP Plans in India in 2025

SBI offers various best SIP plans to cater to different investment goals and risk appetites. Some of the top SBI SIP plans to consider in India for 2025:

Below is the list of the best SBI mutual funds for SIP: 

Details of Top SBI SIP Investment Plans in SBI Mutual Funds

1. SBI PSU Direct Plan-Growth

   The SBI PSU Direct Plan-Growth invests in public sector companies to generate long-term capital growth. It is suitable for investors who want to benefit from government-backed enterprises and sectors.

   Parameters	Details
   NAV	₹ 36.85 (as on 24th December, 2025)
   AUM	₹5,278.16 Crs
   Expense Ratio	0.84%
   Return 5 Years	34.11%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Fund Category	Equity
   Risk Level	Principal at very high risk
   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.
   Asset Allocation	Equity: 96.04%, Debt: 0.08%, Others: 3.88%
   Top Sectors	Industrials Energy & Utilities Financial Materials
   Top Holdings	State Bank of India Bharat Electronics Ltd NTPC Ltd Power Grid Corporation of India Ltd GAIL (India) Ltd Bharat Petroleum Corporation Ltd Bank Of Baroda Repo NMDC Ltd Indian Bank
   Fund Managers	NA
   Fund Type	Open-ended

2. SBI Healthcare Opportunities Fund Direct Plan-Growth

   The SBI Healthcare Opportunities Fund Direct Plan-Growth focuses on investing in the healthcare and pharmaceutical sectors. It is ideal for investors who have a high-risk appetite and want to benefit from the growth in global healthcare trends.

   Parameters	Details
   NAV	₹ 486.22 (as on 25th December, 2025)
   AUM	₹4,026.55 Crs
   Expense Ratio	0.91%
   Return 5 Years	20.09%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Fund Category	Equity
   Risk Level	Principal at very high risk
   Investment Objective	The scheme seeks to provide the investors with the opportunity of long-term capital appreciation by investing in a diversified portfolio of equity and equity related securities in Healthcare space.
   Asset Allocation	Equity: 95.82%, Debt: 0.07%, Others: 4.11%
   Top Sectors	Healthcare Materials
   Top Holdings	Sun Pharmaceutical Industries Ltd Divi's Laboratories Ltd Max Healthcare Institute Ltd Cipla Ltd Repo Lupin Ltd Lonza Group Ag Ami Organics Ltd Fortis Healthcare Ltd Torrent Pharmaceuticals Ltd
   Fund Managers	Pradeep Kesavan Tanmaya Desai
   Fund Type	Open-ended

3. SBI ELSS Tax Saver Fund Direct-Growth

   The SBI ELSS Tax Saver Fund Direct-Growth is an ELSS fund (Equity Linked Savings Scheme) that offers tax benefits under Section 80C. It invests in equities for long-term wealth creation and comes with a mandatory lock-in period of 3 years.

   Parameters	Details
   NAV	₹ 489.12 (as on 24th December, 2025)
   AUM	₹30,271.16 Crs
   Expense Ratio	0.95%
   Return 5 Years	25.53%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹500
   Fund Category	Equity
   Risk Level	Principal at very high risk
   Investment Objective	The scheme seeks capital appreciation through investments in equities, cumulative convertible preference shares and fully convertible debentures and bonds. The scheme was converted into an open-ended plan in November 1999.
   Asset Allocation	Equity: 92.7%, Debt: 0.12%, Others: 7.18%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	HDFC Bank Ltd Repo Reliance Industries Ltd ICICI Bank Ltd Tata Steel Ltd Cipla Ltd Mahindra & Mahindra Ltd ITC Ltd State Bank of India Axis Bank Ltd
   Fund Managers	NA
   Fund Type	Open-ended

   

4. SBI Credit Risk Fund Direct-Growth

   The SBI Credit Risk Fund Direct-Growth is a debt fund that primarily invests in lower-rated but high-yield bonds to generate good returns. It is a good option for investors who are seeking higher income with moderate risk.

   Parameters	Details
   NAV	₹ 50.97 (as on 24th December, 2025)
   AUM	₹2,221.25 Crs
   Expense Ratio	0.89%
   Return 5 Years	7.59%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Fund Category	Debt
   Risk Level	Principal at high risk
   Investment Objective	The scheme seeks to provide the investors an opportunity to predominantly invest in corporate bonds rated AA and below(excluding AA+ rated corporate bonds) so as to generate attractive returns while maintaining moderate liquidity in the portfolio through investment in money market securities.
   Asset Allocation	Debt: 90.71%, Others: 5.55%
   Top Sectors	NA
   Top Holdings	GOVERNMENT OF INDIA 35152 GOI 18NV39 6.92 FV RS 100 AADHAR HOUSING FINANCE LIMITED 8.50 NCD 26MY26 FVRS1LAC NIRMA LIMITED SR VII TR C 8.50 NCD 07AP27 FVRS1LAC INFOPARK PROPERTIES LIMITED SR I RR NCD 19JU39 FVRS1LAC RENEW SOLAR ENERGY (JHARKHAND FIVE) PRIVATE LIMITED 8.44 NCD 31AG29 FVRS1LAC GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 H.G. INFRA ENGINEERING LIMITED 8.55 NCD 29AG28 FVRS1LAC SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR I 6.66 BD 25OT28 FVRS1LAC NJ CAPITAL PRIVATE LIMITED SR A TR 1 9.8 NCD 25JL28 FVRS1LAC JTPM METAL TRADERS LIMITED NCD 30AP30 FVRS1LAC
   Fund Managers	Lokesh Mallya Pradeep Kesavan
   Fund Type	Open-ended

5. SBI Dynamic Bond Direct Plan-Growth

   The SBI Dynamic Bond Direct Plan-Growth actively manages investments across different durations depending on interest rate changes. It is ideal for investors seeking flexible and stable returns from debt instruments.

   Parameters	Details
   NAV	₹ 39.73 (as on 25th December, 2025)
   AUM	₹3,805.42 Crs
   Expense Ratio	0.63%
   Return 5 Years	6.52%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Fund Category	Debt
   Risk Level	Principal at moderate risk
   Investment Objective	The scheme seeks to provide investors attractive returns through investment in an actively managed portfolio of high quality debt securities of varying maturities.
   Asset Allocation	Debt: 97.97%, Others: 2.03%
   Top Sectors	NA
   Top Holdings	GOVERNMENT OF INDIA 35943 GOI 05MY35 6.33 FV RS 100 GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 GOVERNMENT OF INDIA 36185 GOI 07JL40 6.68 FV RS 100 Repo GOVERNMENT OF INDIA 34733 GOI 05AG54 7.09 FV RS 100 GOVERNMENT OF INDIA 35368 GOI 23DC29 6.75 FV RS 100 GOVERNMENT OF INDIA 36320 GOI 18AG55 7.24 FV RS 100 GOI Sec 7.18 14/08/2033 INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 161 6.92 BD 31AG31 FVRS10LAC NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25E 7.53 BD 24MR28 FVRS1LAC
   Fund Managers	Sudhir Agrawal Pradeep Kesavan
   Fund Type	Open-ended

6. SBI Magnum Gilt Fund Direct-Growth

   The SBI Magnum Gilt Fund Direct-Growth invests in government securities, ensuring high safety and stable returns. It is a suitable choice for conservative investors who want long-term capital preservation.

   Parameters	Details
   NAV	₹ 70.52 (as on 25th December, 2025)
   AUM	₹11,979.77 Crs
   Expense Ratio	0.46%
   Return 5 Years	6.56%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Fund Category	Debt
   Risk Level	Principal at moderate risk
   Investment Objective	The scheme aims to generate returns through investments in government securities. It will normally maintain an average maturity of more than three years.
   Asset Allocation	Debt: 98.2%, Others: 1.8%
   Top Sectors	NA
   Top Holdings	GOVERNMENT OF INDIA 35943 GOI 05MY35 6.33 FV RS 100 GOVERNMENT OF INDIA 34733 GOI 05AG54 7.09 FV RS 100 GOVERNMENT OF INDIA 36185 GOI 07JL40 6.68 FV RS 100 GOVERNMENT OF INDIA 36320 GOI 18AG55 7.24 FV RS 100 GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 Repo GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 GOI Sec 7.18 14/08/2033 GOVERNMENT OF INDIA 34238 GOI 22AP64 7.34 FV RS 100
   Fund Managers	NA
   Fund Type	Open-ended

   

7. SBI Multi Asset Allocation Fund Direct-Growth

   The SBI Multi Asset Allocation Fund Direct-Growth diversifies investments across equity, debt, and gold to balance risk and returns. It is ideal for investors who are looking for exposure to multiple asset classes in one portfolio.

   Parameters	Details
   NAV	₹ 72.98 (as on 25th December, 2025)
   AUM	₹9,440.30 Crs
   Expense Ratio	0.58%
   Return 5 Years	16.35%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Fund Category	Hybrid
   Risk Level	Principal at very high risk
   Investment Objective	The scheme seeks to provide the investors an opportunity to invest in an actively managed portfolio of multiple asset classes.
   Asset Allocation	Equity: 43.82%, Debt: 36.24%, Others: 5.31%, Commodities: 10.77%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	Repo SBI Silver ETF-Growth GOVERNMENT OF INDIA 35943 GOI 05MY35 6.33 FV RS 100 SBI ETF Gold GOVERNMENT OF INDIA 36185 GOI 07JL40 6.68 FV RS 100 Nippon India Silver ETF - Growth HDFC Bank Ltd Brookfield India Real Estate Trust REIT Reliance Industries Ltd BHARTI TELECOM LIMITED SR XXI 8.75 NCD 05NV29 FVRS1LAC
   Fund Managers	Vandna Soni Dinesh Balachandran Mansi Sajeja Pradeep Kesavan
   Fund Type	Open-ended

8. SBI Balanced Advantage Fund Direct - Growth

   The SBI Balanced Advantage Fund Direct - Growth dynamically manages its allocation between equity and debt based on market conditions. It is a good choice for investors seeking stable returns with lower market volatility.

   Parameters	Details
   NAV	₹ 16.77 (as on 25th December, 2025)
   AUM	₹36,558.31 Crs
   Expense Ratio	0.72%
   Return 5 Years	N/A
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Fund Category	Hybrid
   Risk Level	Principal at very high risk
   Investment Objective	The scheme seeks to provide long term capital appreciation / income from a dynamic mix of equity and debt investments.
   Asset Allocation	Equity: 53.43%, Debt: 27.74%, Others: 16.35%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Cash Margin Reliance Industries Ltd HDFC Bank Ltd Tata Steel Ltd Bharti Airtel Ltd Repo GAIL (India) Ltd GOVERNMENT OF INDIA 35943 GOI 05MY35 6.33 FV RS 100 Asian Paints Ltd ITC Ltd
   Fund Managers	Rajeev Radhakrishnan Anup Upadhyay Dinesh Balachandran Mansi Sajeja Pradeep Kesavan
   Fund Type	Open-ended

9. SBI Retirement Benefit Fund - Aggressive Hybrid Plan Direct - Growth

   The SBI Retirement Benefit Fund - Aggressive Hybrid Plan Direct - Growth focuses on retirement planning and invests in a mix of equity and debt for long-term growth. It is suitable for aggressive investors who are preparing for a secure retirement.

   Parameters	Details
   NAV	₹ 20.56 (as on 24th December, 2025)
   AUM	₹1,596.76 Crs
   Expense Ratio	1.09%
   Return 5 Years	N/A
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Fund Category	Hybrid
   Risk Level	Principal at very high risk
   Investment Objective	The scheme seeks to provide a comprehensive retirement saving solution that serves the variable needs of the investors through long term diversified investments in major asset classes.
   Asset Allocation	Equity: 78.88%, Debt: 3.51%, Others: 6.42%, Commodities: 2.69%
   Top Sectors	Real Estate Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	HDFC Bank Ltd CENTRAL GOVERNMENT LOAN 20388 GOI 07DC31 FLT FV RS 100 Repo ICICI Bank Ltd Reliance Industries Ltd Maruti Suzuki India Ltd Infosys Ltd Larsen & Toubro Ltd STATE DEVELOPMENT LOAN 30596 TN 14JL31 6.98 FV RS 100 State Bank of India
   Fund Managers	Ardhendu Bhattacharya Rohit Shimpi Pradeep Kesavan
   Fund Type	Open-ended

Benefits of Investing in SBI SIP Plans

Starting an SIP in SBI has a lot of advantages, below are some of the reasons why you should consider investing: 

• Saving Regularly: SIPs help you save money regularly because you invest a fixed amount of money at regular intervals.

• Buying Smartly: SIPs let you buy more shares when prices are low and fewer shares when prices are high, so you end up paying an average price over time.

• Growing Your Money: SBI SIP plan makes your money grow by reinvesting the profits you earn, which can make a big difference over a long time. You can use an SIP Calculator online to see how the power of compounding helps your money grow.

• Choice and Control: SBI SIP plans give you options to choose how much and how often you invest so you can match it to your needs and comfort.

• Spreading Risk: SBI offers different types of SIP plans, so you can spread your money across different types of investments, which helps lower your risk.

• Expert Help: Professionals manage SBI SIP plans, so you benefit from their knowledge and experience.

• Starting Small: You do not need a lot of money to start investing in SBI SIP plans, which makes it accessible to many people.

• Being Safe: SBI SIP plans to follow rules and regulations to keep your money safe and make sure everything is fair and clear.

SBI SIP Calculator Online 

The SBI SIP Returns Calculator is a tool that allows you to estimate how much your investments in SBI SIP Plans can grow over time by simply entering details like your monthly investment amount, the investment period, and an expected rate of return. The SIP calculator simplifies financial planning, allowing you to make informed decisions about your SBI SIP plan investments.

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

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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

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Expected return Pro Tip

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

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Monthly Investment ₹22.4 L

View Plans

Top Funds with High Returns (Past 7 Years)

13.07%

Equity Pension

15.9%

Opportunities Fund

19.1%

Pension Growth Super

13.24%

Opportunities Fund

21.05%

Multi Cap Fund

14.22%

Accelerator Mid-Cap Fund II

15.9%

Multiplier

14.75%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

11.25%

Equity II Fund

14.8%

US Equity Fund

15.11%

Growth Opportunities Plus Fund

11.73%

Equity Top 250 Fund

14.2%

Future Apex Fund

12.1%

Pension Dynamic Equity Fund

14.54%

Pension Enhanced Equity

In Summary

SBI SIP plans offer a convenient and disciplined approach to investing in market-linked funds, catering to various risk profiles and investment goals. With their flexibility, affordability, and expert management, SBI SIP empowers you to steadily grow your wealth over time, making them a valuable option in the financial landscape.