How to Invest in SIP for Beginners​?

SIP (Systematic Investment Plan) is an easy way for beginners to invest in mutual funds. You can start with as little as ₹100 per month and gradually build your wealth over time. SIP helps you invest regularly, no matter how small the amount is, and benefits from market growth over time.

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SIP Plan Benefits
Start SIP with as low as ₹1000
Start SIP with as low as ₹1000
No hidden charges
No hidden charges
Save upto ₹46,800 in Tax
Save upto ₹46,800 in Taxunder section 80C^
Zero LTCG Tax
Zero LTCG Tax
Disciplined & worry-free investing
Disciplined & worry-free investing

Best SIP Funds

Tax Saving FundsLarge Cap Low Return FundsMid Cap Mid Return FundsMulti CapDebt FundsShariah FundsBalanced Funds
Payment Mode
Invest
₹ 10,000
Invest for
AUM (Cr)

₹10,632

NAV

₹114.77

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 32.5 21.1 18.6 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,375

NAV

₹69.26

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.8 16.38 14.68 %

View Fund
Instant tax receipt
AUM (Cr)

₹2,780

NAV

₹72.3

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 22.27 16.19 14.65 %

View Fund
Instant tax receipt
AUM (Cr)

₹38,561

NAV

₹76.86

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 23.81 14.86 14.24 %

View Fund
Instant tax receipt
AUM (Cr)

₹5,888

NAV

₹81.6

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 22.06 12.91 14.21 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,683

NAV

₹40.87

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.96 13.12 13.78 %

View Fund
Instant tax receipt
AUM (Cr)

₹4,489

NAV

₹68.35

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.15 14.74 13.71 %

View Fund
Instant tax receipt
AUM (Cr)

₹454

NAV

₹67.29

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.86 13.38 13.51 %

View Fund
Instant tax receipt
AUM (Cr)

₹7,420

NAV

₹152.09

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.86 13.6 13.09 %

View Fund
Instant tax receipt
AUM (Cr)

₹242

NAV

₹49.03

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.6 14.87 13.03 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,375

NAV

₹69.26

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.8 16.38 14.68 %

View Fund
AUM (Cr)

₹2,780

NAV

₹72.3

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 22.27 16.19 14.65 %

View Fund
AUM (Cr)

₹3,683

NAV

₹40.87

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.96 13.12 13.78 %

View Fund
AUM (Cr)

₹4,489

NAV

₹68.35

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.15 14.74 13.71 %

View Fund
AUM (Cr)

₹454

NAV

₹67.29

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.86 13.38 13.51 %

View Fund
AUM (Cr)

₹7,420

NAV

₹152.09

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.86 13.6 13.09 %

View Fund
AUM (Cr)

₹242

NAV

₹49.03

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.6 14.87 13.03 %

View Fund
AUM (Cr)

₹105

NAV

₹55.82

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.13 14.69 13.01 %

View Fund
AUM (Cr)

₹2,995

NAV

₹68.23

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.93 13.17 12.76 %

View Fund
AUM (Cr)

₹13,662

NAV

₹81.43

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.47 12.79 12.32 %

View Fund
AUM (Cr)

₹10,632

NAV

₹114.77

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 32.5 21.1 18.6 %

View Fund
AUM (Cr)

₹38,561

NAV

₹76.86

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 23.81 14.86 14.24 %

View Fund
AUM (Cr)

₹5,888

NAV

₹81.6

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 22.06 12.91 14.21 %

View Fund
AUM (Cr)

₹2,469

NAV

₹180.38

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 30.5 21 18.2 %

View Fund
AUM (Cr)

₹1,025

NAV

₹73.32

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.53 14.58 14.09 %

View Fund
AUM (Cr)

₹13,991

NAV

₹68.4

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.13 13.37 12.62 %

View Fund
AUM (Cr)

₹3,493

NAV

₹58.75

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.29 13.16 12.05 %

View Fund
AUM (Cr)

₹1,193

NAV

₹52.9

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.23 12.67 11.9 %

View Fund
AUM (Cr)

₹557

NAV

₹56.97

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.28 11.64 11 %

View Fund
AUM (Cr)

₹219

NAV

₹94.3

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 7.88 8.33 8.43 %

View Fund
AUM (Cr)

₹849

NAV

₹40.73

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 6.05 7.98 7.86 %

View Fund
AUM (Cr)

₹503

NAV

₹38.47

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.79 7.98 7.68 %

View Fund
AUM (Cr)

₹204

NAV

₹47.41

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.03 7.48 7.37 %

View Fund
AUM (Cr)

₹74

NAV

₹40.87

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.43 7.35 7.32 %

View Fund
AUM (Cr)

₹94

NAV

₹38.9

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.46 7.47 7.21 %

View Fund
AUM (Cr)

₹7,730

NAV

₹32.34

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.16 7.13 7.21 %

View Fund
AUM (Cr)

₹130

NAV

₹29.29

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.99 7.04 7.21 %

View Fund
AUM (Cr)

₹19,549

NAV

₹49.8

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.55 7.3 7.19 %

View Fund
AUM (Cr)

₹1,081

NAV

₹46.44

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.9 7.22 7.11 %

View Fund
AUM (Cr)

₹912

NAV

₹98.37

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.81 16.06 15.1 %

View Fund
AUM (Cr)

₹370

NAV

₹47.81

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.49 10.99 10.45 %

View Fund
AUM (Cr)

₹65

NAV

₹59.67

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 10.77 9.59 9.87 %

View Fund
AUM (Cr)

₹23,173

NAV

₹72.44

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.15 9.83 9.77 %

View Fund
AUM (Cr)

₹5,869

NAV

₹39.62

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.66 9.88 9.75 %

View Fund
AUM (Cr)

₹863

NAV

₹39.03

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.5 9.98 9.61 %

View Fund
AUM (Cr)

₹297

NAV

₹31.16

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.35 9.41 9.57 %

View Fund
AUM (Cr)

₹7,962

NAV

₹110.29

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.21 10.12 9.53 %

View Fund
AUM (Cr)

₹2,027

NAV

₹43.11

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.9 9.52 9.29 %

View Fund
AUM (Cr)

₹19

NAV

₹33.17

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.6 9.5 9.22 %

View Fund
AUM (Cr)

₹1,317

NAV

₹80.47

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.2 14.11 13.2 %

View Fund
AUM (Cr)

₹7,420

NAV

₹155.28

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 18.9 14.23 13.13 %

View Fund
AUM (Cr)

₹2,995

NAV

₹70.94

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.38 14.27 12.78 %

View Fund
View More

What is SIP for Beginners?

SIP is a method of investing a fixed amount in mutual funds every month. It’s perfect for beginners as it reduces the need to monitor the market every day and helps them earn returns through regular contributions.

  • Insurance Companies
  • Mutual Funds
Returns
Fund Name 5 Years 7 Years 10 Years
High Growth Fund Axis Max Life
Rating
 32.5% 21.1%
18.6%
View Plan
Top 200 Fund Tata AIA Life
Rating
 30.5% 21%
18.2%
View Plan
Accelerator Mid-Cap Fund II Bajaj Allianz
Rating
 22.06% 12.91%
14.21%
View Plan
Opportunities Fund HDFC Life
Rating
 23.81% 14.86%
14.24%
View Plan
Equity II Fund Canara HSBC Life
Rating
 16.83% 9.98%
10%
View Plan
Growth Opportunities Plus Fund Bharti AXA
Rating
 20.53% 14.58%
14.09%
View Plan
Multiplier Birla Sun Life
Rating
 24.11% 14.42%
14.82%
View Plan
Opportunities Fund ICICI Prudential Life
Rating
 20.29% 13.16%
12.05%
View Plan
Balanced Fund LIC India
Rating
 10.54% -
-
View Plan
Virtue II PNB MetLife
Rating
 21.8% 16.38%
14.68%
View Plan
Fund rating powered by
Last updated: Jul 2025
Compare more funds

  Returns
Fund Name 3 Years 5 Years 10 Years
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: June 2025

Compare more funds

Buying the Dip Results in Higher ReturnsBuying the Dip Results in Higher Returns

How to Start a SIP for Beginners?

Starting a SIP is straightforward. Here are the essential steps:

    1. Complete KYC Requirements:

      • Gather necessary documents: PAN card, proof of address (Aadhaar, passport), and a passport-sized photograph.

      • Complete KYC (Know Your Customer) formalities either online or at authorized banks or post offices.

    2. Choose a Mutual Fund:

      • Research and select a mutual fund that aligns with your financial goals and risk appetite.

      • Consider factors like past performance, fund manager reputation, and expense ratio.

    3. Register for an Account:

      • Sign up with a broker or directly with a mutual fund house.

      • Fill the application form with personal details and bank account information.

    4. Investment Amount and Frequency:

      • Decide how much you want to invest monthly or quarterly using an SIP return calculator.

      • Choose a convenient date for automatic deductions from your bank account.

    5. Submit Your Application:

      • Complete the registration process by submitting your application online or offline.

      • If applying online, ensure you have an e-mandate set up for automatic transactions.

SIP Calculator

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
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Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
% Annually
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Total Wealth ₹22.4 L
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
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Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
% Annually
  • 1
  • 2
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Monthly Investment ₹22.4 L
View Plans
Top Funds with High Returns (Past 7 Years)
High Growth Fund
18.6%
High Growth Fund
Top 200 Fund
18.2%
Top 200 Fund
Accelerator Mid-Cap Fund II
14.21%
Accelerator Mid-Cap Fund II
Opportunities Fund
14.24%
Opportunities Fund
Equity II Fund
10%
Equity II Fund
Accelerator Fund
13.03%
Accelerator Fund
Growth Opportunities Plus Fund
14.09%
Growth Opportunities Plus Fund
Multiplier
14.82%
Multiplier
Equity Top 250 Fund
11%
Equity Top 250 Fund
Future Apex Fund
13.01%
Future Apex Fund
Opportunities Fund
12.05%
Opportunities Fund
Frontline Equity Fund
13.71%
Frontline Equity Fund
Virtue II
14.68%
Virtue II
Pension Dynamic Equity Fund
10.72%
Pension Dynamic Equity Fund
Equity Pension
11.76%
Equity Pension
Blue-Chip Equity Fund
9.89%
Blue-Chip Equity Fund

Points to Consider Before Investing in SIP

You should consider the following points before you start investing in one of the Best SIP Plans available:

  • Investment Goals: Set clear financial goals to ensure your SIP investments are aligned with your objectives.

  • Risk Tolerance: Assess your risk appetite to choose the right type of SIP (equity or debt) based on your comfort with market fluctuations.

  • Time Horizon: Choose an investment period that suits your goal, as a longer duration can lead to better returns.

  • Start Early: The earlier you invest, the more your money will grow due to the power of compounding over time.

  • Amount to Invest: Decide a monthly investment amount that fits your budget without impacting daily expenses.

  • Market Volatility: Be prepared for market ups and downs. SIPs average out your cost over time, reducing volatility’s impact.

  • Regular Monitoring: Review your SIP’s performance periodically to ensure it aligns with your financial goals.

  • Expense Ratio: Consider the fund’s expense ratio. Lower ratios generally result in better returns.

  • Diversification: Spread your investments across different asset classes to reduce risk and ensure consistent returns.

  • Tax Benefits: Tax-saving SIPs like ULIP or ELSS allow you to claim deductions under Section 80C of the Income Tax Act.

SIP Plans
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7 Years
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10 Years
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12 Years
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15 Years
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20 Years
SIP Plans

Key Benefits of Investing through SIP

The key benefits of SIP investment are listed below:

  • Rupee Cost Averaging: SIPs average your investment cost, which helps reduce the effect of market volatility.

  • Compounding Power: Starting early lets your investments grow through compounding, increasing wealth over time.

  • Affordability: SIPs allow you to start with a small amount, making them accessible to everyone.

  • Discipline: SIPs encourage consistent, disciplined investing, crucial for long-term wealth accumulation.

  • Flexibility: You can easily adjust your SIP by increasing, decreasing, or pausing it based on your financial situation.

  • Diversification: SIPs help diversify your investments across various asset classes, spreading risk.

  • Tax Benefits: Tax-saving SIPs under Section 80C can reduce your taxable income.

  • Automatic Investment: SIPs are automated, so you don't have to worry about timing the market.

  • Reduced Timing Risks: SIPs remove the need to time the market, as they involve consistent, long-term investments.

Start Small & Build Your Wealth For A Brighter Tomorrow Start Small & Build Your Wealth For A Brighter Tomorrow

Conclusion

SIP is an excellent investment option for beginners to invest in mutual funds. It helps you invest regularly, grow wealth over time, and achieve your financial goals. Start small and let the power of SIP work for you.

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500 SIP for 1 Year
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500 SIP for 25 Years
1000 SIP for 1 Year
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5000 SIP for 1 Year
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5000 SIP for 20 Years
5000 SIP for 25 Years
10000 SIP for 2 Years
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10000 SIP for 25 Years
15000 SIP for 1 Year
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15000 SIP for 15 Years
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15000 SIP for 25 Years
20000 SIP for 1 Year
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20000 SIP for 5 Years
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30000 SIP for 1 Year
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50000 SIP for 1 Year
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50000 SIP for 25 Years
SIP Calculator
SBI SIP Calculator
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AXIS SIP Calculator
BOI SIP Calculator
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DHFL SIP Calculator
ICICI SIP Calculator
IDBI SIP Calculator
Kotak SIP Calculator
PNB SIP Calculator
Union Bank SIP Calculator
Step up SIP Calculator
HSBC SIP Calculator
Aditya Birla SIP Calculator
Index Fund SIP Calculator
Yes Bank SIP Calculator
Reliance SIP calculator
Bajaj Allianz SIP Calculator
TATA SIP Calculator

FAQs

  • What is the minimum amount required to start an SIP?

    You can start an SIP with as little as ₹100 for some mutual funds.

  • How long should I invest in an SIP?

    SIPs are ideal for long-term goals (5-10 years or more).

  • Can I change the SIP amount?

    Yes, you can increase or decrease the SIP amount as per your preference.

  • Is SIP risk-free?

    No, SIPs are subject to market risk, especially if you invest in equity funds.

  • Can I withdraw my SIP anytime?

    Yes, you can redeem your investments anytime but may incur charges based on the type of mutual fund.

˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
Disclaimer:#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. All SIPs listed here are of insurance companies’ funds. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).

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