SIP for Senior Citizens

SIPs, or Systematic Investment Plans, are a simple way for senior citizens to invest regularly in mutual funds. You can start with a small amount every month, like ₹100. SIPs reduce market risks by spreading investments over time. Retired people can choose debt or hybrid funds for stable returns and safety. SIPs are flexible, tax-efficient, and help in building a steady income or growing savings

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)

₹12,085

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 22.7 22.12 18.4 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,771

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.18 17.53 16.02 %

View Fund

Instant tax receipt

Opportunities Fund

AUM (Cr)

₹36,958

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.5 15.82 15.9 %

View Fund

Instant tax receipt

Virtue II

AUM (Cr)

₹3,352

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.66 17.23 15.46 %

View Fund

Instant tax receipt

Grow Money Plus Fund

AUM (Cr)

₹448

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.66 14.95 15.03 %

View Fund

Instant tax receipt

Frontline Equity Fund

AUM (Cr)

₹4,767

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.15 16.07 14.8 %

View Fund

Instant tax receipt

Accelerator Fund

AUM (Cr)

₹237

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.47 16.14 14.52 %

View Fund

Instant tax receipt

Diversified Equity Fund

AUM (Cr)

₹3,688

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.37 14.42 14.35 %

View Fund

Instant tax receipt

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,748

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.55 14.25 14.34 %

View Fund

Instant tax receipt

Future Apex Fund

AUM (Cr)

₹118

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.34 15.76 14.25 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,771

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.18 17.53 16.02 %

View Fund

Virtue II

AUM (Cr)

₹3,352

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.66 17.23 15.46 %

View Fund

Grow Money Plus Fund

AUM (Cr)

₹448

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.66 14.95 15.03 %

View Fund

Frontline Equity Fund

AUM (Cr)

₹4,767

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.15 16.07 14.8 %

View Fund

Accelerator Fund

AUM (Cr)

₹237

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.47 16.14 14.52 %

View Fund

Diversified Equity Fund

AUM (Cr)

₹3,688

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.37 14.42 14.35 %

View Fund

Future Apex Fund

AUM (Cr)

₹118

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.34 15.76 14.25 %

View Fund

Growth Super Fund

AUM (Cr)

₹13,252

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.26 13.85 13.58 %

View Fund

Bluechip Equity Fund

AUM (Cr)

₹1,033

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.56 14.12 13.39 %

View Fund

Super 20

AUM (Cr)

₹2,224

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.37 13.68 13.25 %

View Fund

High Growth Fund

AUM (Cr)

₹12,085

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 22.7 22.12 18.4 %

View Fund

Opportunities Fund

AUM (Cr)

₹36,958

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.5 15.82 15.9 %

View Fund

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,748

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.55 14.25 14.34 %

View Fund

Multi Cap Fund

AUM (Cr)

₹9,602

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 29 23.3 21.1 %

View Fund

Growth Opportunities Plus Fund

AUM (Cr)

₹1,051

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.12 15.67 15.17 %

View Fund

Classic Opportunities Fund

AUM (Cr)

₹14,008

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.52 14.71 13.8 %

View Fund

Opportunities Fund

AUM (Cr)

₹3,621

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.33 14.66 13.34 %

View Fund

Flexi Cap

AUM (Cr)

₹1,145

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.14 14.57 13.22 %

View Fund

Equity Top 250 Fund

AUM (Cr)

₹542

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.88 12.95 11.81 %

View Fund

Asset Allocation

AUM (Cr)

₹268

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.78 10.7 11.2 %

View Fund

Whole Life Income Fund

AUM (Cr)

₹818

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.73 7.25 7.6 %

View Fund

Debt Fund

AUM (Cr)

₹506

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.46 7.39 7.44 %

View Fund

Steady Money Fund

AUM (Cr)

₹73

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.47 6.85 7.13 %

View Fund

Bond Fund

AUM (Cr)

₹119

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.87 6.9 7.11 %

View Fund

Dynamic Gilt Fund

AUM (Cr)

₹184

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 4.66 6.47 7.04 %

View Fund

Debt Fund

AUM (Cr)

₹92

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.3 6.86 6.97 %

View Fund

Bond Fund

AUM (Cr)

₹18,103

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.32 6.7 6.95 %

View Fund

Secure Fund

AUM (Cr)

₹1,026

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.75 6.69 6.94 %

View Fund

Bond Fund

AUM (Cr)

₹1,663

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.27 6.38 6.82 %

View Fund

Whole Life Aggressive Growth Fund

AUM (Cr)

₹931

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.14 16.95 15.92 %

View Fund

Balanced Fund

AUM (Cr)

₹367

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.48 11.4 10.92 %

View Fund

Balanced Fund

AUM (Cr)

₹5,476

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.41 10.61 10.59 %

View Fund

Save N Grow Money Fund

AUM (Cr)

₹67

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.62 9.99 10.4 %

View Fund

Creator

AUM (Cr)

₹482

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.81 10.26 10.39 %

View Fund

Balanced Fund

AUM (Cr)

₹22,439

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.49 10.23 10.25 %

View Fund

Asset Allocation Fund II

AUM (Cr)

₹281

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.61 10.44 10.25 %

View Fund

Balancer II

AUM (Cr)

₹835

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.71 10.68 10.17 %

View Fund

Growth Fund

AUM (Cr)

₹7,398

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.26 10.36 10.03 %

View Fund

Stable Fund

AUM (Cr)

₹18

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.58 9.79 9.83 %

View Fund

Super Select Equity Fund

AUM (Cr)

₹1,309

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.94 14.56 13.98 %

View Fund

Pure Stock Fund

AUM (Cr)

₹7,449

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.39 14.66 13.73 %

View Fund

Pure Equity

AUM (Cr)

₹3,075

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.52 13.99 13.26 %

View Fund

What is SIP for Senior Citizens?

A Systematic Investment Plan (SIP) is an easy and disciplined way for senior citizens to grow their savings. It lets them invest a fixed amount regularly in mutual funds, which helps in building wealth or generating income after retirement. SIPs are flexible, allowing seniors to choose the amount and frequency of their investment. They also help reduce market risk through rupee cost averaging and benefit from compounding.

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
Equity Fund SBI Life Rating	13.49%	13.09%	12.48% View Plan
Opportunities Fund HDFC Life Rating	19.5%	15.82%	15.9% View Plan
High Growth Fund Axis Max Life Rating	22.7%	22.12%	18.4% View Plan
Opportunities Fund ICICI Prudential Life Rating	16.33%	14.66%	13.34% View Plan
Multi Cap Fund Tata AIA Life Rating	29%	23.3%	21.1% View Plan
Accelerator Mid-Cap Fund II Bajaj Life Rating	17.55%	14.25%	14.34% View Plan
Multiplier Birla Sun Life Rating	19.5%	16.12%	15.9% View Plan
Pension Mid Cap Fund PNB MetLife Rating	31.41%	24.68%	18.41% View Plan
Equity II Fund Canara HSBC Life Rating	13.16%	11.5%	11.31% View Plan
US Equity Fund Star Union Dai-ichi Life Rating	15.2%	-	14.8% View Plan

Fund rating powered by

Last updated: Nov 2025

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	35.31%	N/A	N/A	₹500	35.07%
Bandhan Small Cap Fund Regular-Growth	₹14,062.19 Crs	29.34%	30.26%	N/A	₹1,000	31.59%
Motilal Oswal Midcap Fund Regular-Growth	₹33,608.53 Crs	25.97%	33.24%	17.66%	₹500	22.31%
ICICI Prudential Infrastructure Fund-Growth	₹7,941.20 Crs	28.79%	37.23%	17.14%	₹5,000	15.97%
Canara Robeco Large Cap Fund Regular-Growth	₹16,406.92 Crs	16.08%	17.34%	13.87%	₹100	12.99%
Mirae Asset Large Cap Fund Direct- Growth	₹39,975.32 Crs	14.85%	17.48%	14.46%	₹5,000	16.26%
Kotak Midcap Fund Regular-Growth	₹57,375.20 Crs	22.42%	27.51%	18.07%	₹100	15.26%
SBI Small Cap Fund-Growth	₹35,562.96 Crs	13.89%	23.99%	18.17%	₹5,000	19.25%
SBI Gold ETF	₹8,810.86 Crs	31.81%	17.85%	15.14%	₹5,000	12.57%

Last updated: Nov 2025

Compare more funds

Buying the Dip Results in Higher Returns

How SIP for Senior Citizens Work?

Let us learn the working of best SIP for senior citizens from the steps mentioned below:

Small Monthly Investments: Senior Citizens start with as low as ₹100 per month. This makes it easy to fit into a student’s budget.
Regular Saving Habit: SIPs help you to save money every month on a fixed date, building discipline in money management.
Earn Through Compounding: The invested money grows over time. The returns are reinvested, helping create more wealth.
Flexible to Manage: Senior Citizens can stop, increase, or withdraw the investment anytime as per their need.
Lower Risk Through Diversification: SIPs invest in different types of mutual funds, reducing the risk by spreading the money across sectors.
Future Financial Goals: Starting early helps senior citizens to save for future needs like travel, pursue a hobby, or for health expenses.

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)

13.13%

Equity Pension

15.9%

Opportunities Fund

19.1%

Pension Growth Super

13.34%

Opportunities Fund

21.1%

Multi Cap Fund

14.34%

Accelerator Mid-Cap Fund II

15.9%

Multiplier

14.8%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

11.31%

Equity II Fund

14.8%

US Equity Fund

15.17%

Growth Opportunities Plus Fund

11.81%

Equity Top 250 Fund

14.25%

Future Apex Fund

12.17%

Pension Dynamic Equity Fund

14.56%

Pension Enhanced Equity

SIP Calculator to Estimate Investment Amount for Senior Citizens

The SIP Calculator for Senior Citizens helps estimate how much you need to invest each month to reach a financial goal. By entering details like your monthly investment, the duration, and expected returns, it shows the total amount at the end. Senior citizens can use this tool to plan for retirement or other long-term goals, making sure their investment matches their risk level.

Let us learn how a senior citizen can use the SIP calculator:

SIP Calculator for Retirement Fund:

Select “I Know My Goal Amount” option and enter these details-
- Retirement Corpus Estimate: ₹40,00,000 (for retirement fund)
- Investment Duration: 10 years
- Expected Return: 15% annually.
SIP Calculator Results:

The calculator will show you the following results:
- Monthly Investment Required: ₹15,200
- Total Investment: ₹18,20,000
- Amount Required: ₹40,00,000
- Wealth Gained from SIP: ₹21,80,000

Start An Sip Today Watch Your Money Grow

Key Points to Consider Before Investing in a SIP for Senior Citizens

The following list shows the key points you should consider before starting to invest in a chosen best SIP for senior citizens:

Start with an Investment: Senior citizens can begin a Systematic Investment Plan (SIP) by investing a fixed amount every month in mutual funds.
Monthly Contributions: Every month, a set amount is automatically deducted from their bank account, making it easier to invest regularly.
Select Funds: They can choose from different types of mutual funds, such as equity, debt, or balanced funds, based on their comfort with risk.
Benefit from Compounding: SIPs help grow investments over time by earning returns on both the principal and the returns, thanks to compounding.
Reduce Risk: SIP helps reduce the effect of market ups and downs by spreading investments over several months or years.
Flexible Options: Senior citizens can change or stop their SIP whenever needed, based on their financial situation and goals.

Conclusion

The best SIPs for senior citizens offer steady returns and low risk. Options like debt funds or hybrid funds are good for balancing safety and growth. SIPs also help in disciplined investing and protecting retirement savings. It is important to check your risk level, financial goals, and get advice from experts before investing. Always choose funds that suit your needs and ensure a secure future.

FAQs

What is a SIP for senior citizens?

A Systematic Investment Plan (SIP) for senior citizens allows regular investments in mutual funds, offering stable returns over time.
Can senior citizens start a SIP with a small amount?

Yes, senior citizens can start a SIP with as little as ₹500 per month, depending on the fund chosen.
Are SIPs safe for senior citizens?

SIPs are moderately safe. Senior citizens can choose low-risk funds like debt or balanced funds for more stability.
Are SIP returns guaranteed for senior citizens?

No, SIP returns are not guaranteed. However, funds with a conservative strategy often provide consistent returns.

SIP for Senior Citizens

Best SIP Funds

What is SIP for Senior Citizens?

How SIP for Senior Citizens Work?

SIP Calculator

SIP Calculator to Estimate Investment Amount for Senior Citizens

SIP Calculator for Retirement Fund:

SIP Calculator Results:

Key Points to Consider Before Investing in a SIP for Senior Citizens

Conclusion

FAQs

What is a SIP for senior citizens?

Can senior citizens start a SIP with a small amount?

Are SIPs safe for senior citizens?

Are SIP returns guaranteed for senior citizens?

SIP plans articles

Explore the popular searches and stay informed