Shriram SIP Plan

The Shriram SIP Plan allows you to invest in mutual funds with monthly contributions, making it easier to build wealth over time. With the power of compounding, it’s perfect for long-term financial goals. Offering flexibility, low risk, and professional management, the Shriram SIP Plan is ideal for both beginner and experienced investors seeking disciplined, efficient wealth growth.

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

High Growth Fund

AUM (Cr)

₹9,223

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 27.23 21.07 18.4 %

View Fund

Instant tax receipt

Virtue II

AUM (Cr)

₹3,137

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24 16.86 15.03 %

View Fund

Instant tax receipt

Opportunities Fund

AUM (Cr)

₹35,672

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 25.77 14.87 14.81 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,660

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.53 16.73 14.72 %

View Fund

Instant tax receipt

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,410

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.23 12.8 14.57 %

View Fund

Instant tax receipt

Frontline Equity Fund

AUM (Cr)

₹4,206

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.16 15.33 14.24 %

View Fund

Instant tax receipt

Diversified Equity Fund

AUM (Cr)

₹3,524

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.56 13.64 14.17 %

View Fund

Instant tax receipt

Grow Money Plus Fund

AUM (Cr)

₹434

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.48 14.07 14 %

View Fund

Instant tax receipt

Accelerator Fund

AUM (Cr)

₹227

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 22.62 15.31 13.35 %

View Fund

Instant tax receipt

Pure Equity

AUM (Cr)

₹2,724

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.16 13.49 13.34 %

View Fund

Instant tax receipt

Virtue II

AUM (Cr)

₹3,137

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24 16.86 15.03 %

View Fund

Large Cap Equity Fund

AUM (Cr)

₹2,660

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.53 16.73 14.72 %

View Fund

Frontline Equity Fund

AUM (Cr)

₹4,206

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.16 15.33 14.24 %

View Fund

Diversified Equity Fund

AUM (Cr)

₹3,524

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.56 13.64 14.17 %

View Fund

Grow Money Plus Fund

AUM (Cr)

₹434

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.48 14.07 14 %

View Fund

Accelerator Fund

AUM (Cr)

₹227

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 22.62 15.31 13.35 %

View Fund

Pure Equity

AUM (Cr)

₹2,724

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.16 13.49 13.34 %

View Fund

Future Apex Fund

AUM (Cr)

₹95

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.34 15.45 13.31 %

View Fund

Pure Stock Fund

AUM (Cr)

₹6,953

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.48 13.87 13.31 %

View Fund

Growth Super Fund

AUM (Cr)

₹13,305

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.94 13.53 12.79 %

View Fund

High Growth Fund

AUM (Cr)

₹9,223

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 27.23 21.07 18.4 %

View Fund

Opportunities Fund

AUM (Cr)

₹35,672

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 25.77 14.87 14.81 %

View Fund

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,410

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.23 12.8 14.57 %

View Fund

Top 200 Fund

AUM (Cr)

₹2,188

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 30.99 21.69 17.46 %

View Fund

Growth Opportunities Plus Fund

AUM (Cr)

₹969

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 23.03 15.02 14.61 %

View Fund

Classic Opportunities Fund

AUM (Cr)

₹13,357

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.79 13.71 13.06 %

View Fund

Flexi Cap

AUM (Cr)

₹1,178

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.81 13.34 12.33 %

View Fund

Opportunities Fund

AUM (Cr)

₹3,245

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 22.68 13.38 12.32 %

View Fund

Equity Top 250 Fund

AUM (Cr)

₹535

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.87 12.12 11.48 %

View Fund

Whole Life Income Fund

AUM (Cr)

₹872

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.5 8.23 8.05 %

View Fund

Debt Fund

AUM (Cr)

₹498

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.44 8.29 7.84 %

View Fund

Conservative Fund

AUM (Cr)

₹236

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.9 8.23 7.78 %

View Fund

Income Advantage

AUM (Cr)

₹992

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.37 8.08 7.77 %

View Fund

Individual Preserver Pension Fund

AUM (Cr)

₹126

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.07 7.79 7.66 %

View Fund

Dynamic Gilt Fund

AUM (Cr)

₹209

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.59 7.8 7.57 %

View Fund

Steady Money Fund

AUM (Cr)

₹71

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.89 7.53 7.49 %

View Fund

Debt Fund

AUM (Cr)

₹97

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.08 7.77 7.44 %

View Fund

Income Fund

AUM (Cr)

₹8,125

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.66 7.36 7.37 %

View Fund

Bond Fund

AUM (Cr)

₹20,041

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.05 7.51 7.33 %

View Fund

Whole Life Aggressive Growth Fund

AUM (Cr)

₹849

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 22.67 16.46 15.31 %

View Fund

Balanced Fund

AUM (Cr)

₹367

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.23 11.44 10.81 %

View Fund

Save N Grow Money Fund

AUM (Cr)

₹63

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12 9.99 10.06 %

View Fund

Creator

AUM (Cr)

₹500

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.5 10.37 10.04 %

View Fund

Balanced Fund

AUM (Cr)

₹5,909

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.35 10.33 10.02 %

View Fund

Balancer II

AUM (Cr)

₹858

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.1 10.51 9.91 %

View Fund

Growth Fund

AUM (Cr)

₹8,010

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.56 10.6 9.89 %

View Fund

Asset Allocation Fund II

AUM (Cr)

₹297

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.69 9.76 9.68 %

View Fund

Multi Cap Balanced Fund

AUM (Cr)

₹2,007

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.34 9.59 9.55 %

View Fund

Stable Fund

AUM (Cr)

₹19

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.39 10.11 9.51 %

View Fund

Super Select Equity Fund

AUM (Cr)

₹1,296

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.51 13.27 13.69 %

View Fund

Pure Stock Fund

AUM (Cr)

₹7,189

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.66 13.81 13.54 %

View Fund

Pure Equity

AUM (Cr)

₹2,883

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.6 13.59 13.47 %

View Fund

What is the Shriram SIP Plan?

The Shriram SIP Plan is a convenient way to invest in mutual funds through systematic monthly contributions. It allows you to invest a fixed amount regularly, helping you build wealth over time. With the power of compounding, your investment grows while averaging the cost of purchasing units. The plan offers flexibility in investment amounts and duration. It is suitable for individuals looking to create long-term wealth in a disciplined manner, with professional management of funds.

The latest Shriram SIP plans provide a range of options to match different financial goals and risk preferences.

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
High Growth Fund Max Life Rating	27.23%	21.07%	18.4% View Plan
Top 200 Fund Tata AIA Rating	30.99%	21.69%	17.46% View Plan
Accelerator Mid-Cap Fund II Bajaj Allianz Rating	24.23%	12.8%	14.57% View Plan
Opportunities Fund HDFC Standard Rating	25.77%	14.87%	14.81% View Plan
Growth Plus Fund Canara HSBC Oriental Bank Rating	17.51%	10.29%	10.58% View Plan
Growth Opportunities Plus Fund Bharti AXA Rating	23.03%	15.02%	14.61% View Plan
Multiplier Birla Sun Life Rating	26.67%	14.18%	15.6% View Plan
Opportunities Fund ICICI Prudential Rating	22.68%	13.38%	12.32% View Plan
Flexi Growth Fund LIC Rating	-	-	- View Plan
Virtue II PNB Metlife Rating	24%	16.86%	15.03% View Plan

Fund rating powered by

Last updated: May 2025

Compare more funds

Fund Name	3 Years	5 Years	10 Years
	Returns
Active Fund QUANT	23.92%	31.48%	21.87%
Flexi Cap Fund PARAG PARIKH	20.69%	26.41%	19.28%
Large and Mid-Cap Fund EDELWEISS	22.34%	24.29%	17.94%
Equity Opportunities Fund KOTAK	24.64%	25.01%	19.45%
Large and Midcap Fund MIRAE ASSET	19.74%	24.32%	22.50%
Flexi Cap Fund PGIM INDIA	14.75%	23.39%	-
Flexi Cap Fund DSP	18.41%	22.33%	16.91%
Emerging Equities Fund CANARA ROBECO	20.05%	21.80%	15.92%
Focused fund SUNDARAM	18.27%	18.22%	16.55%

Last updated: May 2025

Compare more funds

Buying the Dip Results in Higher Returns

Shriram SIP Plan Calculator Online

The Shriram SIP Calculator helps you estimate potential returns on your Systematic Investment Plan (SIP). By entering your investment amount, duration, and expected returns, you can get a clear picture of your future wealth growth. This tool allows you to adjust your monthly contribution and see how different rates of return affect your investment goals. It’s user-friendly, and the latest features make it easy to track progress and plan your financial future accurately.

Top Shriram SIP Plans in India in 2025

Explore the following list of top Shriram SIP plans in India, offering both ULIP and mutual fund options to suit various financial goals:

Mutual Funds
ULIP Funds

Shriram SIP Plan - Mutual Funds

The Shriram SIP Plan offers various mutual fund options catering to different risk profiles and financial objectives:

Fund Name	Risk Category	3 Years	5 Years	RSI*
Equity Funds
Shriram ELSS Tax Saver Fund	Very High	10.80%	14.30%	14.20%
Shriram Flexi Cap Fund	Very High	11.20%	14.10%	12.90%
Shriram Multi Sector Rotation Fund	Very High	–	–	-16.00%
Debt Funds
Shriram Liquid Fund	Low	–	–	1.60%
Shriram Overnight Fund	Low	–	–	16.80%
Hybrid Funds
Shriram Aggressive Hybrid Fund	Very High	11.20%	12.80%	11.50%
Shriram Balanced Advantage Fund	Moderately High	9.50%	11.30%	11.00%
Shriram Multi Asset Allocation Fund	Very High	–	–	18.40%

*RSI: Returns Since Inception
**Returns updated as of February 2025.

Details of Top Shriram SIP Plans in Mutual Funds

Shriram ELSS Tax Saver Fund

The Shriram ELSS Tax Saver Fund is designed for investors seeking tax benefits along with potential long-term capital growth. It invests primarily in equity and equity-related securities, making it suitable for those looking to save taxes under Section 80C.

Features of Shriram ELSS Tax Saver Fund:
- Investment Objective: Generate long-term capital appreciation while providing tax deductions.
- Launch Date: 05 December 1994
- Benchmark: Nifty 500 TRI
- NAV (as of 03 February 2025): ₹22.30
- Fund Manager(s): Gargi Bhattacharya, Deepak Ramaraju, and Sudip Suresh More
Shriram Flexi Cap Fund

The Shriram Flexi Cap fund aims to provide long-term capital appreciation by investing in a diversified portfolio across various market capitalizations. It allows flexibility to adapt to market conditions for optimal returns.

Features of Shriram Flexi Cap Fund:
- Investment Objective: Seeks to generate long-term capital appreciation by investing in a mix of large, mid, and small-cap stocks.
- Launch Date: 05 December 1994
- Benchmark: Nifty 500 TRI
- NAV (as of 03 February 2025): ₹21.54
- Fund Manager(s): Gargi Bhattacharya, Deepak Ramaraju, and Sudip Suresh More
Shriram Multi Sector Rotation Fund

The Shriram Multi Sector Rotation Fund focuses on dynamically allocating investments across multiple sectors to capitalize on market opportunities. This strategy aims to enhance returns while managing risk effectively.

Features of Shriram Multi Sector Rotation Fund:
- Investment Objective: Aims to generate capital appreciation by dynamically shifting investments across multiple sectors.
- Launch Date: 05 December 1994
- Benchmark: Nifty 500 TRI
- NAV (as of 03 February 2025): ₹8.40
- Fund Manager(s): Gargi Bhattacharya and Deepak Ramaraju
Shriram Liquid Fund

This fund is for investors seeking short term investments with low risk. It primarily invests in debt and money market instruments, providing liquidity and stability.

Features of Shriram Liquid Fund:
- Investment Objective: Provides short-term capital appreciation with a focus on liquidity, primarily investing in debt instruments.
- Launch Date: 05 December 1994
- Benchmark: Nifty Liquid Index A-I
- NAV (as of 03 February 2025): ₹1,016.06
- Fund Manager(s): Gargi Bhattacharya, Deepak Ramaraju, and Sudip Suresh More
Shriram Overnight Fund

The Overnight Fund targets overnight investments in debt securities, offering a safe investment option for investors looking for minimal risk and quick access to funds.

Features of Shriram Overnight Fund:
- Investment Objective: Aims to provide optimal returns with minimum risk by investing in overnight money market instruments.
- Launch Date: 05 December 1994
- Benchmark: CRISIL Liquid Overnight Index
- NAV (as of 03 February 2025): ₹11.69
- Fund Manager(s): Gargi Bhattacharya, Deepak Ramaraju, and Sudip Suresh More
Shriram Aggressive Hybrid Fund

The Shriram Aggressive Hybrid Fund combines equity and debt investments to achieve aggressive growth while maintaining a balance between risk and return. It is suitable for investors with a higher risk appetite.

Features of Shriram Aggressive Hybrid Fund:
- Investment Objective: Seeks to generate capital appreciation by investing in both equities and fixed income instruments with a higher equity exposure.
- Launch Date: 05 December 1994
- Benchmark: CRISIL Hybrid 35+65 Aggressive Index
- NAV (as of 03 February 2025): ₹33.77
- Fund Manager(s): Gargi Bhattacharya, Deepak Ramaraju, and Sudip Suresh More
Shriram Balanced Advantage Fund

The Shriram Balanced Advantage Fund aims to provide optimal returns by dynamically adjusting the equity-debt ratio based on market conditions, making it suitable for conservative investors seeking moderate growth.

Features of Shriram Balanced Advantage Fund:
- Investment Objective: Aims to provide capital appreciation by dynamically balancing investments between equity and debt based on market conditions.
- Launch Date: 05 December 1994
- Benchmark: Nifty 50 Hybrid Composite Debt 50:50 Index
- NAV (as of 03 February 2025): ₹17.93
- Fund Manager(s): Gargi Bhattacharya, Deepak Ramaraju, and Sudip Suresh More
Shriram Multi Asset Allocation Fund

The Shriram Multi Asset Allocation Fund invests across various asset classes including equities, debts, gold, and REITs to achieve long-term capital appreciation while managing volatility.

Features of Shriram Multi Asset Allocation Fund:
- Investment Objective: Aims for capital appreciation by investing across various asset classes like equity, debt, and commodities.
- Launch Date: 05 December 1994
- Benchmark: NA
- NAV (as of 03 February 2025): ₹11.84
- Fund Manager(s): Gargi Bhattacharya, Deepak Ramaraju, and Sudip Suresh More

Shriram SIP Plans - ULIP Plans

Following are the top market-linked funds offered under Shriram ULIP Plans for SIP investment:

Fund Name	Risk Category	3 Years	5 Years	RSI*
Shriram Life Tyaseer Fund	Very high	15.96%	21%	11.37%
Shriram Life Accelerator Fund	Very high	13%	15.22%	9.11%
Shriram Life Wealth Creator Fund	Very high	12.91%	14.85%	7.41%
Shriram Life Maximus Gold Fund	Very high	10.79%	13.30%	9%
Shriram Life Maximus Fund	High	9.99%	11.60%	9.47%
Shriram Life Balancer Fund	Moderate	9.72%	10.84%	8.44%
Shriram Life Defender Fund	Low	7.74%	8.86%	8.10%
Shriram Life Guardian Fund	Low	8.32%	7.93%	8.36%
Shriram Life Preserver Fund	Low	4.96%	5.48%	6.96%
Shriram Life Discontinued Policy Fund	Low	5.51%	4.80%	6.32%

*RSI: Returns Since Inception
**Returns updated as of February 2025.

Details of Top Performing SBI SIP Investment in ULIP Plans

Shriram Life Tyaseer Fund

The Shriram Life Tyaseer Fund focuses on medium to long-term capital appreciation through equity and equity-linked securities. It also emphasizes income distribution while excluding high-risk sectors like gambling, liquor, tobacco, and financial institutions, ensuring ethical investments for a sustainable portfolio.

Features of Shriram Life Tyaseer Fund:
- Investment Objective: Aims for income distribution over the medium to long term, focusing on capital appreciation. It excludes investments in companies involved in gambling, lotteries, animal products, liquor, tobacco, entertainment, hotels, banks, and financial institutions.
- Launch Date: 09 September 2024
- Benchmark Index: Composition of Shariah-Compliant Companies from Top 50 Stocks by Market Capitalization
- NAV (as of 03 February 2025): ₹51.6643
- Fund Manager: Mr. Sanidhya Daga
- Tax Benefits: Premiums qualify for tax deductions under Section 80C (up to ₹1.5 lakh), and Section 10(10D) provides tax-free maturity benefits subject to conditions.
- Life Cover: Provides life insurance coverage, the specifics of which depend on the chosen policy and sum assured.
Shriram Life Accelerator Fund

The Shriram Life Accelerator Fund is an aggressive growth ULIP fund that aims to generate long-term capital appreciation by investing in equity and equity-linked securities. Ideal for investors seeking higher returns through riskier equity market exposure, this fund is focused on maximizing growth potential.

Features of Shriram Life Accelerator Fund:
- Investment Objective: Seeks long-term capital appreciation through equity and equity-linked securities.
- Launch Date: 07 March 2024
- Benchmark Index: Composition of Top 100 stocks by Market Capitalization
- NAV (as of 03 February 2025): ₹46.7434
- Fund Manager: Mr. Sanidhya Daga
- Tax Benefits: Eligible for tax deduction under Section 80C on premiums (up to ₹1.5 lakh) and tax-free maturity benefits under Section 10(10D), subject to conditions.
- Life Cover: Provides life insurance coverage for policyholders.
Shriram Life Wealth Creator Fund

The Shriram Life Wealth Creator Fund targets long-term capital appreciation by investing in equity and equity-linked securities. This fund is perfect for investors focused on building wealth over time, offering a growth-oriented investment strategy for future financial goals.

Features of Shriram Life Wealth Creator Fund:
- Investment Objective: Focuses on long-term capital appreciation via equity and equity-linked securities.
- Launch Date: 07 December 2024
- Benchmark Index: Composition of Top 100 Stocks by Market Capitalization
- NAV (as of 03 February 2025): ₹33.4950
- Fund Manager: Mr. Sanidhya Daga
- Tax Benefits: Premiums are eligible for tax deduction under Section 80C (up to ₹1.5 lakh), and Section 10(10D) exempts maturity benefits from tax, if conditions are met.
- Life Cover: Comes with life insurance protection.
Shriram Life Maximus Gold Fund

The Shriram Life Maximus Gold Fund invests in equity and equity-linked securities, including gold-related assets. This fund offers portfolio diversification by adding exposure to the gold sector, providing both growth and safety through alternative asset allocation.

Features of Shriram Life Maximus Gold Fund:
- Investment Objective: Aims for long-term capital appreciation through equity investments.
- Launch Date: 09 June 2024
- Benchmark Index: Composition of Top 100 stocks by Market Capitalization & CRISIL
- NNAV (as of 03 February 2025): ₹36.4276
- Fund Manager: Mr. Sanidhya Daga
- Tax Benefits: Tax deduction on premiums under Section 80C (up to ₹1.5 lakh) and tax-free maturity benefits under Section 10(10D), subject to conditions.
- Life Cover: Includes life cover as part of the plan.
Shriram Life Maximus Fund

The Shriram Life Maximus Fund aims for capital appreciation by investing in a mix of equities, debt, and cash. Its flexible approach to asset allocation allows for balanced risk and return, catering to investors seeking a well-rounded investment strategy that adjusts according to market conditions.

Features of Shriram Life Maximus Fund :
- Investment Objective: Provides capital appreciation through a mix of equities, debt, and cash.
- Launch Date: 06 July 2024
- Benchmark Index: Composition of Top 100 stocks by Market Capitalization & CRISIL
- NAV (as of 03 February 2025): ₹52.6747
- Fund Manager: Mr. Sanidhya Daga & Mr. Haresh S Bharadwaj
- Tax Benefits: Premiums qualify for deduction under Section 80C (up to ₹1.5 lakh), and Section 10(10D) offers tax-free maturity benefits under specified conditions.
- Life Cover: Provides life insurance protection to policyholders.
Shriram Life Balancer Fund

The Shriram Life Balancer Fund optimizes returns over the medium to long term by balancing investments in high-quality equity and debt instruments. This balanced approach aims to provide moderate growth while managing risk, making it suitable for investors looking for a stable, well-diversified portfolio.

Features of Shriram Life Balancer Fund:
- Investment Objective: It aims to optimize returns while balancing risk through quality equity and debt investments.
- Launch Date: 10 January 2024
- Benchmark Index: Composition of Top 100 stocks by Market Capitalization & CRISIL
- NAV (as of 03 February 2025): ₹33.2816
- Fund Manager: Mr. Sanidhya Daga & Mr. Haresh S Bharadwaj
- Tax Benefits: Eligible for Section 80C deductions (up to ₹1.5 lakh), with Section 10(10D) ensuring tax-free maturity benefits under qualifying conditions.
- Life Cover: Includes life cover as part of the policy.
Shriram Life Defender Fund

The Shriram Life Defender Fund focuses on long-term returns through a portfolio predominantly invested in fixed-income securities, with moderate exposure to equity. Designed for conservative investors, it offers a stable growth opportunity with controlled risk, emphasizing safety without compromising returns.

Features of Shriram Life Defender Fund:
- Investment Objective: Enhances long-term returns primarily through fixed-income securities with moderate equity exposure.
- Launch Date: 10 January 2024
- Benchmark Index: Composition of Top 100 stocks by Market Capitalization & CRISIL
- NAV (as of 03 February 2025): ₹31.7426
- Fund Manager: Mr. Sanidhya Daga & Mr. Haresh S Bharadwaj
- Tax Benefits: Premiums are tax-deductible under Section 80C (up to ₹1.5 lakh), and maturity benefits are exempt from tax under Section 10(10D), subject to conditions.
- Life Cover: Offers life cover as part of the ULIP structure.
Shriram Life Guardian Fund

The Shriram Life Guardian Fund enhances long-term returns by primarily investing in fixed-income securities, with a moderate exposure to equity. This conservative fund offers capital safety while providing growth potential, making it ideal for cautious investors seeking stability and moderate returns.

Features of Shriram Life Guardian Fund:
- Investment Objective: Similar to the Defender Fund with a focus on fixed income and moderate equity exposure for long-term returns.
- Launch Date: 06 July 2024
- Benchmark Index: Composition of Top 100 stocks by Market Capitalization & CRISIL
- NAV (as of 03 February 2025): ₹43.7479
- Fund Manager: Mr. Sanidhya Daga & Mr. Haresh S Bharadwaj
- Tax Benefits: Premiums qualify for deductions under Section 80C (up to ₹1.5 lakh), and maturity proceeds are tax-free under Section 10(10D), subject to conditions.
- Life Cover: Includes life insurance coverage for policyholders.
Shriram Life Preserver Fund

The Shriram Life Preserver Fund is designed for income generation, investing in a range of debt and money market instruments. By focusing on safety and liquidity, it aims to provide optimal yield with minimal risk, ideal for investors looking for stable income without market volatility.

Features of Shriram Life Preserver Fund:
- Investment Objective: Generates income through a variety of debt and money market instruments aiming for optimal yield and safety.
- Launch Date: 10 January 2024
- Benchmark Index: CRISIL Composite Bond Fund Index
- NAV (as of 03 February 2025): ₹27.1290
- Fund Manager: Mr. Haresh S Bharadwaj
- Tax Benefits: Premiums are eligible for Section 80C deductions (up to ₹1.5 lakh), with Section 10(10D) offering tax-free maturity benefits under qualifying conditions.
- Life Cover: Provides life insurance benefits.
Shriram Life Discontinued Policy Fund

The Shriram Life Discontinued Policy Fund aims to generate income through investments in debt and money market instruments. Its primary focus is to maximize yield, safety, and liquidity, ensuring that the value of discontinued policies remains protected and generates steady returns.

Features of Shriram Life Discontinued Policy Fund:
- Investment Objective: Similar to the Preserver Fund; focuses on income generation through debt and money market instruments for yield and liquidity balance.
- Launch Date: 11 November 2024
- Benchmark Index: CRISIL Composite Bond Fund Index
- NAV (as of 03 February 2025): ₹22.1867
- Fund Manager: Mr. Haresh S Bharadwaj
- Tax Benefits: Premiums qualify for tax deductions under Section 80C (up to ₹1.5 lakh), and maturity benefits are tax-free under Section 10(10D), subject to conditions.
- Life Cover: Includes life insurance coverage.

SIP Calculator

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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 ₹22.4 L

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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)

18.4%

High Growth Fund

17.46%

Top 200 Fund

14.57%

Accelerator Mid-Cap Fund II

14.81%

Opportunities Fund

10.58%

Growth Plus Fund

13.35%

Accelerator Fund

14.61%

Growth Opportunities Plus Fund

15.6%

Multiplier

11.48%

Equity Top 250 Fund

13.31%

Future Apex Fund

12.32%

Opportunities Fund

14.24%

Frontline Equity Fund

15.03%

Virtue II

10.88%

Pension Dynamic Equity Fund

11.8%

Equity Fund

10.32%

Blue-Chip Equity Fund

Benefits of Investing in Shriram SIP Plans

The Shriram SIP Plans offer the following key benefits on their SIP investments:

Disciplined Investment: Enables systematic investment of small amounts regularly, promoting financial discipline.
Potential for Wealth Creation: Offers long-term growth through the power of compounding.
Flexibility in Choices: Provides both ULIP and Mutual Fund options to suit different risk appetites.
Tax Savings: Allows tax deductions under Section 80C of the Income Tax Act, reducing taxable income.
Diversified Portfolio: Gives access to a broad range of investment options, spreading risk across asset classes.
Expert Fund Management: Funds are managed by experienced professionals to enhance returns.
Affordable Investment: Allows starting with as low as ₹500 per month, making it accessible for everyone.
Transparency in Operations: Regular performance updates help investors stay informed about their investments.
Risk Reduction: SIPs help in averaging out market volatility, reducing the impact of market fluctuations.

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In Summary

The Shriram SIP Plan offers a disciplined and flexible way to invest in mutual funds, helping you build wealth over time. With options for both long-term and short-term goals, it provides easy entry with affordable amounts. Investors can choose from a range of funds with attractive returns, benefiting from professional fund management. It is a great option for those looking to grow their savings consistently with lower risk.

FAQs

What are Shriram SIP Plans?

Shriram SIP Plans are investment options that allow you to invest in mutual funds or ULIPs (Unit Linked Insurance Plans) via a systematic investment plan. They offer flexible contributions and potential for long-term growth.
What is the difference between Shriram ULIP and Mutual Fund SIP?

Shriram ULIP SIP combines investment with insurance, offering both protection and wealth creation. Shriram Mutual Fund SIP focuses solely on wealth creation through equity or debt investments.
How do Shriram ULIP SIP Plans work?

Shriram ULIP SIP allows you to invest regularly in various market-linked funds while also providing life cover. Investment value depends on market performance.
What are the benefits of Shriram Mutual Fund SIP?

Shriram Mutual Fund SIP helps you build wealth over time by investing in equity or debt funds. It offers flexibility in terms of investment amounts and has the potential for higher returns based on market conditions.
Are Shriram SIP Plans tax-saving options?

Yes, both Shriram ULIP SIP and Tax-Saver Mutual Fund SIP (ELSS funds) can provide tax benefits under Section 80C, subject to the investment type and fund choices. ULIP also offers tax-free maturity benefits under Section 10(10D).

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Benefits of Investing in Shriram SIP Plans

In Summary

FAQs

What are Shriram SIP Plans?

What is the difference between Shriram ULIP and Mutual Fund SIP?

How do Shriram ULIP SIP Plans work?

What are the benefits of Shriram Mutual Fund SIP?

Are Shriram SIP Plans tax-saving options?

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