SIP for Emergency Fund

SIP is helpful to save money for an emergency situation by investing a fixed amount in mutual funds. Systematic Investment Plans (SIPs) give you flexibility and help you save consistently so you have funds ready at the time of need. By steadily growing over time, SIPs help you build a solid emergency fund without the need for a large one-time investment.

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)

₹1,239

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.12 13.56 13.64 %

View Fund

Pure Stock Fund

AUM (Cr)

₹6,953

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.38 14.22 13.42 %

View Fund

Pure Equity

AUM (Cr)

₹2,724

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.23 13.9 13.41 %

View Fund

What is SIP for Emergency Fund?

SIP (Systematic Investment Plan) for an emergency fund is a smart way to save decent money to create a financial backup for emergencies. By choosing right funds, you ensure that your money stays safe and can be easily accessed when needed. SIP helps you build the fund over time, and you can start with as low as ₹100. This method allows you to be prepared for unexpected expenses without affecting your regular savings or budget.

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: Mar 2025

Compare more funds

Buying the Dip Results in Higher Returns

How SIP for an Emergency Fund Work?

The following steps will help you understand the working of an best SIP plan to build an emergency fund:

Set your goal: First, decide how much money you need for emergencies and by when you want to save that amount.
Choose a mutual fund: Select a Systematic Investment Plan (SIP) that suits your risk tolerance. For emergency funds, it's best to go for low to moderate risk options.
Start investing: Begin investing a fixed amount every month or quarter through SIP in the chosen mutual fund.
Stay consistent: Keep investing regularly without skipping payments to build the emergency fund steadily.
Track progress: Regularly check your investment to see if it’s growing as expected.
Withdraw when needed: In case of an emergency, you can redeem your SIP investment to access the funds you have saved.

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 ₹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

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

Cost of Delay Calculator

Start early, gain more

Monthly SIP Amount

/Month

Invest For (in Years)

Years

Stay Invested For (in Years)

Years

Expected return

% Annually

If you start SIP after (in Months)

Months

Due to the delay of 10 Months

Your Target Wealth will reduce by 13.3%.

With loss of ₹13,87,249

Start TodayDelayed Start

Invest Now

SIP Calculator to Estimate Investment Amount for Emergency Fund

A SIP calculator helps estimate the amount you need to invest monthly to build an emergency fund. By entering details like the target amount, time frame, expected returns, and SIP contribution, the calculator shows how much you should invest each month. It helps plan for unforeseen expenses, ensuring you’re financially prepared for emergencies.

Let us understand the use of a SIP calculator with an example:

SIP Calculator for Emergency Fund: Select “I Know My Goal Amount” option and enter the following details-
- Emergency Corpus Estimate: ₹5,00,000
- Investment Duration: 3 years
- Expected Return: 15% annually.
SIP Calculator Results: The calculator will show you the following results:
- Monthly Investment Required: ₹11,100
- Total Investment: ₹4,00,000
- Amount Required: ₹5,00,000
- Wealth Gained from SIP: ₹99,900

Key Points to Consider Before Investing in an SIP for Emergency Fund

The following points must be considered before starting to invest in a SIP for an emergency fund:

Understand Your Risk: SIPs invest in market-based assets, so be clear about how much risk you are comfortable with.
Emergency Fund Purpose: SIPs are good for long-term goals, but for emergencies, you need quick access to money.
Investment Timeframe: Make sure the SIP matches the time you might need the emergency fund. It should be easy to access in an emergency.
Choose the Right Fund: Go for low-risk funds like debt or hybrid funds for safety and stability.
Invest Regularly: Start with small, consistent amounts to build your emergency fund over time.
Prepare for Market Fluctuations: SIPs can face ups and downs in the market, so they may not be best for urgent needs.
Check Regularly: Keep an eye on your SIP and adjust it based on any changes in your needs or the market.

Start Small & Build Your Wealth For A Brighter Tomorrow

Conclusion

A SIP (Systematic Investment Plan) is a smart way to build an emergency fund over time. By investing small amounts regularly in mutual funds, you can save a good amount for emergencies. SIP helps with rupee cost averaging and compounding, making it a great choice for long-term savings.

FAQs

What is an SIP for emergency fund?

An SIP for an emergency fund is a systematic investment plan where you regularly invest a fixed amount in mutual funds to build a financial safety net for emergencies.
How does SIP for emergency fund work?

You invest a fixed amount monthly in a mutual fund through SIP, and over time, it grows, providing funds for emergencies like medical bills or sudden expenses.
Why should I invest in SIP for an emergency fund?

SIP helps you accumulate funds over time, ensuring you have money available when unexpected situations arise without disrupting your financial stability.
What type of mutual funds should I choose for an emergency fund?

You should choose low-risk, liquid mutual funds like liquid funds or short-term debt funds for your emergency fund SIP.