SIP for Retirement

A Systematic Investment Plan (SIP) is a smart way to save for retirement. By investing a fixed amount every month in mutual funds, you can grow your savings over time. In 2025, SIPs help you manage market ups and downs, making your investment safer. The earlier you start, the more you can build for a secure and comfortable retirement.

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Invest Today, Secure Tomorrow

  • Take the first step to ₹1 Crore

    Start SIP in just 2 minutes

  • 100% online, Zero paperwork

    150+ Fund Options Available

  • Funds delivering up to 18% CAGR+

    Expert help at no extra cost

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)

₹11,852

NAV

₹168.79

Estimated Value

₹

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

+ 18.47 20.42 18.26 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,206

NAV

₹69.53

Estimated Value

₹

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

+ 13.38 16.77 15.36 %

View Fund
Instant tax receipt
AUM (Cr)

₹2,581

NAV

₹70.94

Estimated Value

₹

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

+ 12.63 15.51 15.27 %

View Fund
Instant tax receipt
AUM (Cr)

₹34,475

NAV

₹78.21

Estimated Value

₹

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

+ 14.33 15.86 14.73 %

View Fund
Instant tax receipt
AUM (Cr)

₹5,492

NAV

₹81.36

Estimated Value

₹

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

+ 13.42 14.22 14.42 %

View Fund
Instant tax receipt
AUM (Cr)

₹422

NAV

₹66.4

Estimated Value

₹

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

+ 10.69 13.12 14.21 %

View Fund
Instant tax receipt
AUM (Cr)

₹4,838

NAV

₹67.31

Estimated Value

₹

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

+ 12.95 14.35 14.01 %

View Fund
Instant tax receipt
AUM (Cr)

₹206

NAV

₹47.1

Estimated Value

₹

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

+ 13.51 13.98 13.65 %

View Fund
Instant tax receipt
AUM (Cr)

₹136

NAV

₹54.1

Estimated Value

₹

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

+ 11.49 13.55 13.43 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,452

NAV

₹39.98

Estimated Value

₹

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

+ 10.41 12.28 13.33 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,206

NAV

₹69.53

Estimated Value

₹

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

+ 13.38 16.77 15.36 %

View Fund
AUM (Cr)

₹2,581

NAV

₹70.94

Estimated Value

₹

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

+ 12.63 15.51 15.27 %

View Fund
AUM (Cr)

₹422

NAV

₹66.4

Estimated Value

₹

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

+ 10.69 13.12 14.21 %

View Fund
AUM (Cr)

₹4,838

NAV

₹67.31

Estimated Value

₹

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

+ 12.95 14.35 14.01 %

View Fund
AUM (Cr)

₹206

NAV

₹47.1

Estimated Value

₹

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

+ 13.51 13.98 13.65 %

View Fund
AUM (Cr)

₹136

NAV

₹54.1

Estimated Value

₹

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

+ 11.49 13.55 13.43 %

View Fund
AUM (Cr)

₹3,452

NAV

₹39.98

Estimated Value

₹

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

+ 10.41 12.28 13.33 %

View Fund
AUM (Cr)

₹7,369

NAV

₹148.38

Estimated Value

₹

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

+ 11.4 13.58 13.18 %

View Fund
AUM (Cr)

₹3,154

NAV

₹68.07

Estimated Value

₹

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

+ 11.39 13.32 13.03 %

View Fund
AUM (Cr)

₹77,698

NAV

₹189.22

Estimated Value

₹

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

+ 9.41 10.8 11.42 %

View Fund
AUM (Cr)

₹11,852

NAV

₹168.79

Estimated Value

₹

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

+ 18.47 20.42 18.26 %

View Fund
AUM (Cr)

₹34,475

NAV

₹78.21

Estimated Value

₹

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

+ 14.33 15.86 14.73 %

View Fund
AUM (Cr)

₹5,492

NAV

₹81.36

Estimated Value

₹

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

+ 13.42 14.22 14.42 %

View Fund
AUM (Cr)

₹10,579

NAV

₹64.84

Estimated Value

₹

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

+ 21 21.36 22 %

View Fund
AUM (Cr)

₹13,736

NAV

₹120.08

Estimated Value

₹

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

+ 20.1 22.14 19.11 %

View Fund
AUM (Cr)

₹1,042

NAV

₹72.93

Estimated Value

₹

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

+ 12.63 14.56 15 %

View Fund
AUM (Cr)

₹13,101

NAV

₹68.98

Estimated Value

₹

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

+ 12.07 13.46 13.28 %

View Fund
AUM (Cr)

₹1,050

NAV

₹53.21

Estimated Value

₹

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

+ 12.27 12.84 12.69 %

View Fund
AUM (Cr)

₹3,457

NAV

₹58.81

Estimated Value

₹

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

+ 13.3 12.8 12.6 %

View Fund
AUM (Cr)

₹498

NAV

₹55.85

Estimated Value

₹

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

+ 10.04 11.59 11.37 %

View Fund
AUM (Cr)

₹224

NAV

₹27.06

Estimated Value

₹

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

+ 7.91 9.08 10.12 %

View Fund
AUM (Cr)

₹847

NAV

₹41.1

Estimated Value

₹

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

+ 5.49 6.83 7.22 %

View Fund
AUM (Cr)

₹532

NAV

₹38.49

Estimated Value

₹

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

+ 5.08 6.76 6.92 %

View Fund
AUM (Cr)

₹131

NAV

₹30.28

Estimated Value

₹

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

+ 5.81 6.58 6.82 %

View Fund
AUM (Cr)

₹72

NAV

₹41.61

Estimated Value

₹

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

+ 5.31 6.43 6.76 %

View Fund
AUM (Cr)

₹91

NAV

₹39.24

Estimated Value

₹

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

+ 5.04 6.43 6.53 %

View Fund
AUM (Cr)

₹166

NAV

₹47.14

Estimated Value

₹

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

+ 4.49 5.91 6.52 %

View Fund
AUM (Cr)

₹16,641

NAV

₹50.18

Estimated Value

₹

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

+ 5.08 6.22 6.52 %

View Fund
AUM (Cr)

₹1,080

NAV

₹46.96

Estimated Value

₹

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

+ 5.47 6.28 6.49 %

View Fund
AUM (Cr)

₹1,623

NAV

₹43.92

Estimated Value

₹

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

+ 5.16 5.98 6.38 %

View Fund
AUM (Cr)

₹896

NAV

₹100.9

Estimated Value

₹

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

+ 14.55 16.07 15.47 %

View Fund
AUM (Cr)

₹348

NAV

₹47.18

Estimated Value

₹

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

+ 9 10.15 10.23 %

View Fund
AUM (Cr)

₹4,753

NAV

₹38.97

Estimated Value

₹

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

+ 7.89 9.16 9.88 %

View Fund
AUM (Cr)

₹62

NAV

₹59.81

Estimated Value

₹

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

+ 7.91 8.9 9.84 %

View Fund
AUM (Cr)

₹438

NAV

₹101.53

Estimated Value

₹

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

+ 7.77 8.99 9.75 %

View Fund
AUM (Cr)

₹765

NAV

₹38.74

Estimated Value

₹

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

+ 8.43 9.36 9.53 %

View Fund
AUM (Cr)

₹20,171

NAV

₹70.84

Estimated Value

₹

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

+ 7.26 8.77 9.51 %

View Fund
AUM (Cr)

₹6,428

NAV

₹106.62

Estimated Value

₹

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

+ 7.78 8.99 9.38 %

View Fund
AUM (Cr)

₹260

NAV

₹30.3

Estimated Value

₹

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

+ 7.87 8.84 9.28 %

View Fund
AUM (Cr)

₹1,682

NAV

₹42.94

Estimated Value

₹

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

+ 8.97 9.35 9.23 %

View Fund
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What is SIP for Retirement?

A Systematic Investment Plan (SIP) for retirement is a smart way to build a retirement corpus over time. It allows you to invest a fixed amount regularly in mutual funds, ensuring disciplined savings. SIPs benefit from the power of compounding and rupee cost averaging, reducing the impact of market volatility. By starting early and staying consistent, you can accumulate significant wealth to secure a comfortable retirement lifestyle.

How SIP for Retirement Work?

Let us learn the working of best SIP plan for retirement from the following steps:

  • Set Your Retirement Goal: Estimate the money you will need after retirement, considering future expenses, inflation, and lifestyle.

  • Pick the Right Fund: Choose equity mutual funds for long-term growth or hybrid funds for balanced risk based on your retirement timeline.

  • Start Investing Early: Begin SIPs as early as possible with a fixed monthly amount to take full advantage of compounding.

  • Benefit from Compounding: SIP returns are reinvested, helping your investments grow exponentially over time.

  • Stay Consistent: Invest regularly without stopping, even during market ups and downs, to achieve long-term goals.

  • Review Periodically: Check your investments yearly and increase the SIP amount or switch funds if needed for better returns.

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
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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
Years
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Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
% Annually
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Monthly Investment ₹22.4 L
View Plans
Top Funds with High Returns (Past 7 Years)
Equity Pension
12.43%
Equity Pension
Opportunities Fund
14.73%
Opportunities Fund
High Growth Fund
19.11%
High Growth Fund
Opportunities Fund
12.6%
Opportunities Fund
Multi Cap Fund
22%
Multi Cap Fund
Accelerator Mid-Cap Fund II
14.42%
Accelerator Mid-Cap Fund II
Multiplier
16.32%
Multiplier
Frontline Equity Fund
14.01%
Frontline Equity Fund
Virtue II
15.36%
Virtue II
Equity II Fund
10.36%
Equity II Fund
Blue-Chip Equity Fund
10.23%
Blue-Chip Equity Fund
Global Equity Growth Fund
16.13%
Global Equity Growth Fund
Growth Opportunities Plus Fund
15%
Growth Opportunities Plus Fund
Equity Top 250 Fund
11.37%
Equity Top 250 Fund
Future Apex Fund
13.43%
Future Apex Fund
Pension Dynamic Equity Fund
11.14%
Pension Dynamic Equity Fund
Accelerator Fund
13.65%
Accelerator Fund

SIP Calculator to Estimate Retirement Fund

A SIP calculator is a helpful tool to estimate the monthly investment needed to achieve your retirement goal. It calculates the required investment based on your retirement goal amount, investment duration, and expected return rate.

    1. SIP Calculator for Retirement Fund

      Select the “I Know My Goal Amount” option in the SIP calculator. Then, enter your retirement goal, investment duration, and expected returns-

      • Current Age: 30 years

      • Retirement Age: 60 years

      • Investment Duration: 60 - 30 years = 30 years

      • Retirement Expenses Estimate: ₹3,00,00,000

      • Expected Return: 15% annually.

    2. SIP Calculator Results

      The calculator provides the required monthly investment-

      • Monthly Investment Required: ₹9,430

      • Total Investment: ₹29,40,000

      • Amount Required: ₹3,00,00,000

      • Wealth Gained from SIP: ₹2,72,00,000.

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

Key Points to Consider Before Investing in a SIP for Retirement

Consider the following points before starting to invest in a SIP for a retirement plan:

  • Define Your Retirement Goal: Decide how much money you will need for your retirement based on your lifestyle, daily expenses, and inflation.

  • Start Early: Begin investing as early as possible to take advantage of compounding and build a larger retirement corpus.

  • Understand Your Risk Appetite: Know how much risk you can take. If you are comfortable with high risk, choose equity funds. For safer options, go for debt funds.

  • Check Expected Returns: Look at the past performance of funds to understand how much return you can expect in the future.

  • Diversify Your Investments: Invest in different types of funds like equity, debt, and hybrid to balance risk and returns.

  • Account for Inflation: Consider the rising cost of living and invest in funds that can grow faster than inflation.

  • Review Regularly: Monitor your SIP investments regularly and make changes if the fund is not performing well.

  • Look for Tax Benefits: If you want tax savings, invest in SIPs like ELSS funds that are eligible for deductions under Section 80C.

  • Compare Expense Ratios: Choose funds with a low expense ratio to save on costs and get better returns.

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

Conclusion

SIP for retirement allows you to invest a fixed amount regularly to build a retirement corpus with the help of compounding. SIPs offer flexibility, so you can start with a small amount and increase it as you go. It is a long-term strategy that helps you build a good retirement fund. The key is to start early, stay consistent, and let your SIPs grow over time.

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FAQs

  • What is SIP for Retirement?

    SIP for retirement is a way to invest a fixed amount regularly in mutual funds. This helps you save money for your retirement over time.

  • How does SIP for Retirement work?

    With SIP for retirement, you invest a small amount every month in mutual funds. Over the years, your investment grows with compounding, helping you build a retirement fund.

  • Why should I choose SIP for Retirement?

    SIP for retirement helps you invest regularly, using market growth and compounding. This way, you can create a large retirement fund over time.

  • When should I start SIP for Retirement?

    It is advisable to start SIP for retirement as soon as possible. The earlier you start, the more time your investment will have to grow.

  • What are the benefits of SIP for Retirement?

    SIP for retirement helps you invest regularly and build wealth. It also gives you the advantage of compounding and makes investing easy.

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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI 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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