SBI Jan Nivesh SIP

Have you ever wanted to invest but thought you needed a lot of money? With a Systematic Investment Plan (SIP), that's no longer the case. SBI Mutual Fund, in partnership with the State Bank of India (SBI), has launched ‘Jan Nivesh SIP’, which means "People's Investment SIP". The scheme aims to ensure a stable financial future by helping aspiring investors start investing in mutual funds. The best feature of the scheme is that you can start investing with just ₹250 per month.

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.)

+ 15.93 17.97 16.94 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,687

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.08 14.78 14.66 %

View Fund

Instant tax receipt

Virtue II

AUM (Cr)

₹3,237

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.59 14.9 14.19 %

View Fund

Instant tax receipt

Opportunities Fund

AUM (Cr)

₹35,377

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.51 13.71 13.77 %

View Fund

Instant tax receipt

Grow Money Plus Fund

AUM (Cr)

₹446

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.1 12.41 13.76 %

View Fund

Instant tax receipt

Frontline Equity Fund

AUM (Cr)

₹4,837

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12 13.22 13.46 %

View Fund

Instant tax receipt

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,458

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.22 11.95 13.34 %

View Fund

Instant tax receipt

Accelerator Fund

AUM (Cr)

₹219

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.79 13.21 13.07 %

View Fund

Instant tax receipt

Diversified Equity Fund

AUM (Cr)

₹3,598

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.77 11.69 12.95 %

View Fund

Instant tax receipt

Growth Super Fund

AUM (Cr)

₹12,241

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.11 10.82 12.14 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,687

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.08 14.78 14.66 %

View Fund

Virtue II

AUM (Cr)

₹3,237

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.59 14.9 14.19 %

View Fund

Grow Money Plus Fund

AUM (Cr)

₹446

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.1 12.41 13.76 %

View Fund

Frontline Equity Fund

AUM (Cr)

₹4,837

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12 13.22 13.46 %

View Fund

Accelerator Fund

AUM (Cr)

₹219

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.79 13.21 13.07 %

View Fund

Diversified Equity Fund

AUM (Cr)

₹3,598

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.77 11.69 12.95 %

View Fund

Growth Super Fund

AUM (Cr)

₹12,241

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.11 10.82 12.14 %

View Fund

Bluechip Equity Fund

AUM (Cr)

₹965

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.87 11.43 11.88 %

View Fund

Future Opportunity Fund

AUM (Cr)

₹60

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.49 11.61 11.79 %

View Fund

Super 20

AUM (Cr)

₹2,097

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.41 10.34 11.71 %

View Fund

Whole Life Mid Cap Equity Fund

AUM (Cr)

₹11,620

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.93 17.97 16.94 %

View Fund

Opportunities Fund

AUM (Cr)

₹35,377

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.51 13.71 13.77 %

View Fund

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,458

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.22 11.95 13.34 %

View Fund

Multi Cap Fund

AUM (Cr)

₹9,938

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21 19.36 22 %

View Fund

High Growth Fund

AUM (Cr)

₹12,572

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.98 19.82 17.61 %

View Fund

Growth Opportunities Plus Fund

AUM (Cr)

₹1,051

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.37 13.4 14.18 %

View Fund

Classic Opportunities Fund

AUM (Cr)

₹13,553

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.77 12.18 12.62 %

View Fund

Flexi Cap

AUM (Cr)

₹1,125

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.1 12.25 12.36 %

View Fund

Opportunities Fund

AUM (Cr)

₹3,551

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.23 11.82 11.94 %

View Fund

Equity Top 250 Fund

AUM (Cr)

₹526

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.31 10.82 10.88 %

View Fund

Asset Allocation

AUM (Cr)

₹242

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.34 8.64 9.83 %

View Fund

Whole Life Income Fund

AUM (Cr)

₹823

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.84 7.02 7.39 %

View Fund

Debt Fund

AUM (Cr)

₹499

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.5 7.03 7.13 %

View Fund

Bond Fund

AUM (Cr)

₹117

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.05 6.69 6.97 %

View Fund

Individual Preserver Pension Fund

AUM (Cr)

₹171

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.42 6.55 6.96 %

View Fund

Steady Money Fund

AUM (Cr)

₹77

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.6 6.56 6.91 %

View Fund

Debt Fund

AUM (Cr)

₹93

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.47 6.64 6.72 %

View Fund

Bond Fund

AUM (Cr)

₹16,781

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.47 6.43 6.72 %

View Fund

Dynamic Gilt Fund

AUM (Cr)

₹172

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 4.78 6.16 6.7 %

View Fund

Secure Fund

AUM (Cr)

₹1,013

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.9 6.42 6.7 %

View Fund

Whole Life Aggressive Growth Fund

AUM (Cr)

₹904

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.35 15.03 14.84 %

View Fund

Balanced Fund

AUM (Cr)

₹354

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.65 9.65 10.02 %

View Fund

Save N Grow Money Fund

AUM (Cr)

₹62

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.77 8.66 9.71 %

View Fund

Creator

AUM (Cr)

₹460

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.57 8.79 9.63 %

View Fund

Balanced Fund

AUM (Cr)

₹5,072

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.53 8.73 9.62 %

View Fund

Balanced Fund

AUM (Cr)

₹21,160

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.13 8.56 9.38 %

View Fund

Balancer II

AUM (Cr)

₹807

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.4 9.11 9.37 %

View Fund

Growth Fund

AUM (Cr)

₹6,860

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.79 8.84 9.23 %

View Fund

Asset Allocation Fund II

AUM (Cr)

₹272

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.76 8.54 9.21 %

View Fund

Multi Cap Balanced Fund

AUM (Cr)

₹1,775

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.36 8.66 8.98 %

View Fund

What is Jan Nivesh SIP?

This new Systematic Investment Plan is designed to help more people across India start saving and investing regularly, especially those who are new to investing or have smaller amounts to put aside. It's about making mutual funds easy and affordable for everyone, whether you live in a city or a village. This idea matches what India's market regulator, SEBI, wants to achieve: to encourage good saving habits and make investing accessible to all.

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
Top 300 Fund SBI Life Rating	8.83%	10.75%	11.66% View Plan
Opportunities Fund HDFC Life Rating	12.51%	13.71%	13.77% View Plan
High Growth Fund Axis Max Life Rating	17.98%	19.82%	17.61% View Plan
Opportunities Fund ICICI Prudential Life Rating	11.23%	11.82%	11.94% View Plan
Multi Cap Fund Tata AIA Life Rating	21%	19.36%	22% View Plan
Accelerator Mid-Cap Fund II Bajaj Life Rating	12.22%	11.95%	13.34% View Plan
Multiplier Birla Sun Life Rating	14.33%	13.83%	14.86% View Plan
Virtue II PNB MetLife Rating	12.59%	14.9%	14.19% View Plan
Equity II Fund Canara HSBC Life Rating	8.51%	8.72%	9.89% View Plan
Blue-Chip Equity Fund Star Union Dai-ichi Life Rating	7.55%	8.65%	9.8% 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	30.49%	N/A	N/A	₹500	29.73%
Bandhan Small Cap Fund Regular-Growth	₹14,062.19 Crs	27.38%	21.07%	N/A	₹1,000	26.42%
Motilal Oswal Midcap Fund Regular-Growth	₹33,608.53 Crs	19.53%	21.14%	15.9%	₹500	19.14%
ICICI Prudential Infrastructure Fund-Growth	₹7,941.20 Crs	21.36%	24.4%	17.52%	₹5,000	15.04%
Canara Robeco Large Cap Fund Regular-Growth	₹16,406.92 Crs	12.85%	10.52%	13.31%	₹100	11.82%
Mirae Asset Large Cap Fund Direct- Growth	₹39,975.32 Crs	11.99%	10.67%	13.83%	₹5,000	14.75%
Kotak Midcap Fund Regular-Growth	₹57,375.20 Crs	19.18%	17.19%	17.46%	₹100	14.19%
SBI Small Cap Fund-Growth	₹35,562.96 Crs	11.63%	13.71%	16.97%	₹5,000	17.75%
SBI Gold ETF	₹8,810.86 Crs	31%	24.4%	15.7%	₹5,000	13.18%

Updated as of Feb 2026

Compare more funds

Buying the Dip Results in Higher Returns

How does Jan Nivesh SIP SBI work?

When you invest in SBI Jan Nivesh SIP, your money goes into the SBI Balanced Advantage Fund. This is a smart fund that automatically invests your money in a mix of different things like company shares (equity), bonds (debt), and cash. This mix helps balance risk and potential returns. You can choose to invest ₹250 daily, weekly, or monthly – whatever suits you best!

Why Invest in SBI Jan Nivesh SIP?

The SBI Jan Nivesh SIP offers various benefits, including:

Easy to Start: You only need ₹250 to begin your investment journey.
Hassle-Free: It's designed to be simple to open and manage your account.
Potential for Growth: Your money is invested in a fund aimed at long-term growth. Because interest is added to your investment every three months (compounded quarterly), your money has the opportunity to grow faster over time.
Long-Term Wealth: Even a small amount like ₹250, when invested regularly and for a long time, can add up to a significant amount, and the best SIP aligns with investment horizon, which is why disciplined investing matters. For example, if you consider Jan Nivesh SIP SBI Mutual Fund returns and invest ₹250 monthly and get an average 15% return, you could potentially accumulate over ₹1 crore in 42 years. To quickly estimate how different investment amounts or tenures can help you reach your specific financial goals, you can use a SIP Calculator.

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)

11.82%

Equity Pension

13.77%

Opportunities Fund

17.61%

High Growth Fund

11.94%

Opportunities Fund

22%

Multi Cap Fund

13.34%

Accelerator Mid-Cap Fund II

14.86%

Multiplier

13.46%

Frontline Equity Fund

14.19%

Virtue II

9.89%

Equity II Fund

9.8%

Blue-Chip Equity Fund

14.18%

Growth Opportunities Plus Fund

10.88%

Equity Top 250 Fund

11.79%

Future Opportunity Fund

10.71%

Pension Dynamic Equity Fund

13.07%

Accelerator Fund

Who Can Invest in SBI Jan Nivesh SIP?

This SBI Jan Nivesh SIP scheme is open to almost all citizens, including:

Individual citizens (both general and senior citizens)
People operating accounts alone or jointly
Minors (through a guardian)
Various organizations, like clubs, partnerships, companies, local bodies, government departments, and educational institutions.

Key Details SBI Balanced Advantage Fund:

When you put your money into Jan Nivesh SIP SBI, your money is directed into the SBI Balanced Advantage Fund Regular Growth. Here are its key features:

Fund Type: Hybrid - Dynamic Asset Allocation.

Meaning: It smartly adjusts its investments between stocks (equity) and bonds (debt) based on market conditions, aiming to balance risk and potential returns.
Launch Date: August 31, 2021
Risk Level (as per SEBI's Riskometer): Very High

Note: This is a standard disclosure for funds with significant equity exposure, reflecting market volatility.
Assets Under Management (AUM): Approximately ₹34,895 Crores (as of April 30, 2025)
Benchmark: NIFTY 50 Hybrid Composite Debt 50:50 Index
Exit Load: 1% if units are redeemed within 365 days (one year) for investments exceeding 10% of the initial investment. No exit load after 365 days.
Minimum SIP Investment: ₹250 Perfectly aligns with Jan Nivesh's core offering.
Minimum Lumpsum Investment: ₹5,000
Fund Strategy: Dynamically shifts asset allocation between equity and debt to navigate market cycles, aiming for capital appreciation in rising markets and downside protection in falling markets.
Past Performance (Since Inception): Around 12.03% annualized return (as of May 25, 2025).

Note: Past performance is not indicative of future results

Start An Sip Today Watch Your Money Grow

Expense Ratio:

Meaning: The annual fee charged by the fund for managing your investment.:
Direct Plan: 0.69% (lower, for those who invest directly with the AMC).
Regular Plan: 1.57% (higher, typically for those investing through distributors/brokers). The difference (0.88%) is substantial over the long term.

Asset Allocation (as of April 30, 2025):

Equity: 42.51%
Debt: 25.82%
Cash & Other: 26.63%
Observation: The fund's significant cash component suggests its managers might be cautious about current market valuations or are waiting for better investment opportunities, aligning with its dynamic nature.

Performance (Annualised Trailing Returns as of May 24, 2025):

Since Inception: 11.63%
1-Year Return: 9.90%
3-Year Return: 12.69%
Note: Past performance is not indicative of future results.

Holdings: Highest allocation in Financial Services (28.24%), followed by Energy (which includes Oil, Gas, Consumables).The top holdings indicate a degree of concentration in the fund's highest conviction picks.

Conclusion

The SBI Jan Nivesh SIP makes investing accessible to everyone, allowing you to start building wealth with just ₹250 monthly. This scheme leverages quarterly compounding within the SBI Balanced Advantage Fund to help your money grow significantly over time. Ready to take the first step towards your financial goals?

FAQs

What is the SBI Jan Nivesh SIP?

The SBI Jan Nivesh SIP is a special investment plan from SBI Mutual Fund that lets you start investing in mutual funds with a very small amount, aiming to encourage more people to save regularly.
How much can I invest in SBI Jan Nivesh SIP?

You can start investing with as little as ₹250. You can choose to invest this amount daily, weekly, or monthly.
Which fund does the SBI Jan Nivesh SIP invest in?

Your investments through Jan Nivesh SIP SBI go into the SBI Balanced Advantage Fund, which smartly invests in a mix of stocks, bonds, and cash.
Who can open an account under SBI Jan Nivesh SIP?

Most resident individuals, including senior citizens, can invest. Various organizations like firms, companies, clubs, and educational institutions are also eligible.
What are the main benefits of the SBI Jan Nivesh SIP?

It offers a very low starting investment, helps your money grow faster through quarterly compounding (contributing to better Jan Nivesh SIP SBI Mutual Fund returns), and is easy to set up, encouraging a disciplined saving habit.

SBI Jan Nivesh SIP

Best SIP Funds

What is Jan Nivesh SIP?

How does Jan Nivesh SIP SBI work?

Why Invest in SBI Jan Nivesh SIP?

SIP Calculator

Who Can Invest in SBI Jan Nivesh SIP?

Key Details SBI Balanced Advantage Fund:

Conclusion

FAQs

What is the SBI Jan Nivesh SIP?

How much can I invest in SBI Jan Nivesh SIP?

Which fund does the SBI Jan Nivesh SIP invest in?

Who can open an account under SBI Jan Nivesh SIP?

What are the main benefits of the SBI Jan Nivesh SIP?

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