SIP for Travel

What is SIP for Travel?

A SIP for travel means investing a fixed amount every month in a mutual fund to save for your future trip. It helps your money grow slowly and steadily, so you can enjoy your vacation without worrying about money. These SIP plans are best for your short-term goals (6 months to 3 years), trips with a fixed budget, and for anyone who wants safe and planned savings.

How to Plan a SIP for Travel?

A SIP for travel plan works in a simple way as shown below:

• Start by deciding your total travel goal amount (example: ₹3,00,000).
• Choose how much time you have to save for the trip (example: 2 years).
• Pick a suitable mutual fund based on your timeline and start a monthly SIP.
• If your travel goal is less than 1 year away, choose ultra-short-term funds or money market funds.
• If your travel goal is 1–3 years away, choose short-duration debt funds or conservative hybrid funds.
• If your travel goal is more than 3 years away, choose a mix of hybrid funds and equity funds for better growth.
• Gradually shift from equity to safer debt funds as the travel date gets closer to protect your gains.
• This gradual shift helps you avoid last-minute market volatility and keeps your travel fund safe.
• Your money grows month by month with the help of compounding.

By the time your travel date arrives, your complete travel fund is ready without any financial stress.

Top Funds for SIP for Travel in 2026

You can choose from the following best SIP plans to plan for your travel in 2026:

Details of the Best SIP Plans to Plan for Travel

1. Bank of India Short Term Income Fund Regular-Growth

   This fund aims to generate income along with some capital appreciation by investing in a diversified mix of debt and money market securities that usually have short to medium maturities. However, the fund does not guarantee regular income or achievement of its objective.

   Parameters	Details
   Fund Name	Bank of India Short Term Income Fund Regular-Growth
   NAV	₹ 27.46 (as on 21st January, 2026)
   AUM	₹223.46 Crs
   Expense Ratio	1.07%
   Return 5 Years	10.11%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at moderate risk
   Launch Date	18th December, 2008
   Asset Allocation	Debt: 93.92%, Others: 6.08%
   Top Sectors	NA
   Top Holdings	GOVERNMENT OF INDIA 35943 GOI 05MY35 6.33 FV RS 100 GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 LIC HOUSING FINANCE LTD TR 456 6.90 NCD 17SP27 FVRS1LAC Repo PUNJAB NATIONAL BANK CD 05DEC25 MOTILAL OSWAL FINANCIAL SERVICES LIMITED 344D CP 12JUN26 BANK OF BARODA CD 16DEC25 Net Receivables UNION BANK OF INDIA CD 25JUN26 7.34% REC Ltd. **
   Fund Managers	NA
   Fund Type	Open-ended

2. ICICI Prudential Short Term Fund-Growth

   This fund focuses on generating income by investing in a variety of debt and money market instruments while maintaining the right balance between returns, safety, and liquidity. Being a market-linked product, it does not assure that the scheme will fully achieve its stated goal.

   Parameters	Details
   Fund Name	ICICI Prudential Short Term Fund-Growth
   NAV	₹ 62.07 (as on 21st January, 2026)
   AUM	₹22,069.50 Crs
   Expense Ratio	1.05%
   Return 5 Years	6.44%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at moderate risk
   Launch Date	25th October, 2001
   Asset Allocation	Debt: 93.56%, Others: 6.44%
   Top Sectors	NA
   Top Holdings	Cash Margin CENTRAL GOVERNMENT LOAN 23277 GOI 22SP33 FLT FV RS 100 LIC HOUSING FINANCE LTD TR 454 7.58 NCD 23MR35 FVRS1LAC 4.45% Government of India (30/10/2034) GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 Reverse Repo NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25E 7.53 BD 24MR28 FVRS1LAC SHIVSHAKTI SECURITISATION TRUST SS TRUST PTC 15SEPT25 GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 VEDANTA LIMITED SR I 9.31 NCD 03DC27 FVRS1LAC
   Fund Managers	Manish Banthia Nikhil Kabra
   Fund Type	Open-ended

   
   
   

3. UTI Short Duration Regular Plan-Growth

   The objective of this fund is to provide reasonable income with low risk and high liquidity through investments in debt and money market instruments. The scheme does not assure any fixed returns or guarantee that its objective will always be met.

   Parameters	Details
   Fund Name	UTI Short Duration Regular Plan-Growth
   NAV	₹ 32.54 (as on 21st January, 2026)
   AUM	₹3,295.53 Crs
   Expense Ratio	0.83%
   Return 5 Years	6.96%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹500
   Risk Level	Principal at moderate risk
   Launch Date	NA
   Asset Allocation	Debt: 101.75%, Others: -1.75%
   Top Sectors	NA
   Top Holdings	GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 LIC HOUSING FINANCE LIMITED TR 434 OP II 7.67 LOA 15AP33 FVRS10LAC NATIONAL HOUSING BANK 7.59 BD 08SP27 FVRS1LAC POWER FINANCE CORPORATION LIMITED SR 238 7.55 BD 15AP27 FVRS1LAC SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR VII 7.75 BD 10JU27 FVRS1LAC Net Current Assets NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25G 7.48 BD 15SP28 FVRS1LAC EXPORT IMPORT BANK OF INDIA SR AA 03 7.12 BD 27JU30 FVRS1LAC NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 24E 7.80 BD 15MR27 FVRS1LAC SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR II 6.74 BD 10JN29 FVRS1LAC
   Fund Managers	NA
   Fund Type	Open-ended

4. HDFC Short Term Debt Fund-Growth

   This scheme aims to earn regular income and possible capital appreciation by investing in debt and money market instruments within a short-duration strategy. Since returns are market-dependent, the scheme does not guarantee that its investment objective will be achieved.

   Parameters	Details
   Fund Name	HDFC Short Term Debt Fund-Growth
   NAV	₹ 32.96 (as on 21st January, 2026)
   AUM	₹18,143.46 Crs
   Expense Ratio	0.73%
   Return 5 Years	6.26%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at moderate risk
   Launch Date	25th June, 2010
   Asset Allocation	Debt: 96.23%, Others: 3.77%
   Top Sectors	NA
   Top Holdings	GOI Sec 7.18 14/08/2033 Net Current Assets ADITYA BIRLA RENEWABLES LIMITED 8.6 NCD 24SP27 FVRS1LAC CENTRAL GOVERNMENT LOAN 30814 GOI FRB 04OT28 FV RS 100 JUBILANT BEVERAGES LIMITED NCD 31MY28 FVRS1LAC JTPM METAL TRADERS LIMITED NCD 30AP30 FVRS1LAC GOVERNMENT OF INDIA 31909 GOI 22AG32 7.26 FV RS 100 SHIVSHAKTI SECURITISATION TRUST SS TRUST PTC 15SEPT25 JAMNAGAR UTILITIES & POWER PRIVATE LIMITED SR PPD7 7.90 LOA 10AG28 FVRS1LAC NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR F24 7.68 BD 30AP29 FVRS1LAC
   Fund Managers	Anil Bamboli Dhruv Muchhal
   Fund Type	Open-ended

5. Aditya Birla Sun Life Short Term Fund Regular-Growth

   This fund aims to generate income and capital appreciation by investing entirely in a diversified portfolio of debt and money market securities with shorter maturities. The fund does not promise any fixed returns or guarantee the achievement of its stated objective.

   Parameters	Details
   Fund Name	Aditya Birla Sun Life Short Term Fund Regular-Growth
   NAV	₹ 48.91 (as on 21st January, 2026)
   AUM	₹10,523.90 Crs
   Expense Ratio	0.99%
   Return 5 Years	6.23%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
   Risk Level	Principal at moderate risk
   Launch Date	9th May, 2003
   Asset Allocation	Debt: 97.98%, Others: 2.02%
   Top Sectors	NA
   Top Holdings	BHARTI TELECOM LIMITED SR XXV 7.35 NCD 15OT27 FVRS1LAC REC LIMITED SR 245A 7.44 BD 29FB28 FVRS1LAC NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25A 7.70 BD 30SP27 FVRS1LAC POWER GRID CORPORATION OF INDIA LIMITED SR LXXXI 6.94 BD 15AP35 FVRS1LAC INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 190 6.65 BD 20MY30 FVRS1LAC NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25G 7.48 BD 15SP28 FVRS1LAC TATA CAPITAL HOUSING FINANCE LIMITED SR C 7.17 NCD 21MY30 FVRS1LAC GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100 Net Receivables GOI Sec 7.18 14/08/2033
   Fund Managers	Kaustubh Gupta Mohit Sharma
   Fund Type	Open-ended

6. Aditya Birla Sun Life Regular Savings Fund Regular-Growth

   This conservative hybrid fund seeks to generate regular income mainly through debt and money market instruments, while also aiming for some capital growth through limited equity exposure of up to around one-quarter of the portfolio. Income or returns are not assured, as market conditions may affect the outcome.

   Parameters	Details
   Fund Name	Aditya Birla Sun Life Regular Savings Fund Regular-Growth
   NAV	₹ 68.14 (as on 21st January, 2026)
   AUM	₹1,524.07 Crs
   Expense Ratio	1.83%
   Return 5 Years	10.77%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
   Risk Level	Principal at moderately high risk
   Launch Date	22nd May, 2004
   Asset Allocation	Equity: 21.18%, Debt: 74.66%, Others: 3.25%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Reverse Repo POWER GRID CORPORATION OF INDIA LIMITED SR LXXXII 6.98 BD 12AG35 FVRS1LAC CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED SR SD73 8.92 NCD 02DC34 FVRS1LAC BHARTI TELECOM LIMITED SR XXVII 7.30 NCD 01DC27 FVRS1LAC POWER GRID CORPORATION OF INDIA LIMITED SR LXXXI 6.94 BD 15AP35 FVRS1LAC JTPM METAL TRADERS LIMITED NCD 30AP30 FVRS1LAC Net Receivables BAJAJ HOUSING FINANCE LIMITED 7.84 NCD 23SP32 FVRS10LAC LIC HOUSING FINANCE LTD TR 441 7.68 NCD 29MY34 FVRS1LAC HDFC Bank Ltd
   Fund Managers	Harshil Suvarnkar Mohit Sharma
   Fund Type	Open-ended

7. SBI Conservative Hybrid Fund-Growth

   This fund aims to give investors regular income and moderate long-term growth by investing primarily in debt and money market instruments, with a smaller part invested in equity and equity-related securities. The scheme does not guarantee returns or assure that the investment objective will be fully met.

   Parameters	Details
   Fund Name	SBI Conservative Hybrid Fund-Growth
   NAV	₹ 73.59 (as on 21st January, 2026)
   AUM	₹9,799.06 Crs
   Expense Ratio	1.55%
   Return 5 Years	11%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at high risk
   Launch Date	24th March, 2001
   Asset Allocation	Equity: 23.47%, Debt: 70.89%, Others: 5.64%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials
   Top Holdings	Repo GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 GOVERNMENT OF INDIA 36185 GOI 07JL40 6.68 FV RS 100 GOI Sec 7.18 14/08/2033 TATA POWER RENEWABLE ENERGY LIMITED 7.85 NCD 19SP34 FVRS1LAC ADITYA BIRLA RENEWABLES LIMITED 8.6 NCD 24SP27 FVRS1LAC INFOPARK PROPERTIES LIMITED SR I RR NCD 19JU39 FVRS1LAC GOVERNMENT OF INDIA 35943 GOI 05MY35 6.33 FV RS 100 Net Receivables JTPM METAL TRADERS LIMITED NCD 30AP30 FVRS1LAC
   Fund Managers	Saurabh Pant Mansi Sajeja Milind Agrawal
   Fund Type	Open-ended

8. HDFC Hybrid Debt Fund Regular-Growth

   HDFC Hybrid Debt Fund aims to provide income and capital appreciation by investing mainly in debt and money market instruments, along with a moderate exposure to equities for additional growth. Since the returns are market-linked, the fund does not guarantee the achievement of its objective.

   Parameters	Details
   Fund Name	HDFC Hybrid Debt Fund Regular-Growth
   NAV	₹ 82.64 (as on 21st January, 2026)
   AUM	₹3,387.60 Crs
   Expense Ratio	1.74%
   Return 5 Years	11.27%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at moderately high risk
   Launch Date	26th December, 2003
   Asset Allocation	Equity: 20.36%, Debt: 76.16%, Others: 2.73%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	GOVERNMENT OF INDIA 34238 GOI 22AP64 7.34 FV RS 100 GOVERNMENT OF INDIA 34733 GOI 05AG54 7.09 FV RS 100 GOI Sec 7.23 15/04/2039 4.45% Government of India (30/10/2034) GOVERNMENT OF INDIA 33071 GOI 19JU53 7.3 FV RS 100 INDIAN RAILWAY FINANCE CORPORATION LIMITED SERIES 134 8.30 LOA 25MR29 FVRS10LAC GOVERNMENT OF INDIA 35943 GOI 05MY35 6.33 FV RS 100 Net Current Assets ICICI Bank Ltd GOI Sec 7.18 24/07/2037
   Fund Managers	Shobhit Mehrotra Srinivasan Ramamurthy Dhruv Muchhal
   Fund Type	Open-ended

   
   
   

9. Kotak Debt Hybrid Fund Regular-Growth

   This fund aims to enhance returns by investing mostly in debt instruments and taking a moderate exposure to equity and equity-related securities. The debt portion is meant to offer stable income, while the equity part aims to boost overall returns. The fund does not guarantee any specific return.

   Parameters	Details
   Fund Name	Kotak Debt Hybrid Fund Regular-Growth
   NAV	₹ 58.85 (as on 21st January, 2026)
   AUM	₹3,130.30 Crs
   Expense Ratio	1.66%
   Return 5 Years	10.88%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at moderately high risk
   Launch Date	2nd December, 2003
   Asset Allocation	Equity: 22.37%, Debt: 66.41%, Others: 10.34%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	GOVERNMENT OF INDIA 34238 GOI 22AP64 7.34 FV RS 100 GOVERNMENT OF INDIA 33071 GOI 19JU53 7.3 FV RS 100 Repo GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 GOVERNMENT OF INDIA 34733 GOI 05AG54 7.09 FV RS 100 7.09% GOI MAT 25 Nov 2074 7.09% GOI 25-Nov-74 NATIONAL HOUSING BANK 6.80 BD 02AP32 FVRS1LAC BHARTI TELECOM LIMITED SR XIX 8.65 NCD 05NV27 FVRS1LAC JTPM METAL TRADERS LIMITED NCD 30AP30 FVRS1LAC
   Fund Managers	Abhishek Bisen Shibani Sircar Kurian
   Fund Type	Open-ended

10. UTI Conservative Hybrid Fund Regular Plan-Growth

    This fund aims to provide regular income and possible capital appreciation by investing largely in debt and money market instruments, with a smaller portion in equity and equity-related securities. Like other hybrid funds, it does not guarantee returns or ensure achievement of its investment objective.

    Parameters	Details
    Fund Name	UTI Conservative Hybrid Fund Regular Plan-Growth
    NAV	₹ 69.79 (as on 21st January, 2026)
    AUM	₹1,707.10 Crs
    Expense Ratio	1.82%
    Return 5 Years	10.51%
    Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
    Risk Level	Principal at moderately high risk
    Launch Date	16th December, 2003
    Asset Allocation	Equity: 24.58%, Debt: 70.9%, Others: 4.51%
    Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
    Top Holdings	GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100 GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 GOVERNMENT OF INDIA 35943 GOI 05MY35 6.33 FV RS 100 POWER FINANCE CORPORATION LTD. SR 223 7.64 BD 22FB33 FVRS1LAC INDIAN OIL CORPORATION LIMITED SR XXVII 7.25 NCD 06JN30 FVRS1LAC Net Current Assets NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25D 7.40 BD 29AP30 FVRS1LAC GOVERNMENT OF INDIA 36232 GOI 21JL30 6.01 FV RS 100 HDFC BANK LIMITED SR AB002 7.97 NCD 17FB33 FVRS1LAC
    Fund Managers	Amit Kumar Premchandani Jaydeep Bhowal
    Fund Type	Open-ended

What Type of Fund to Choose for SIP for Travel?

The following type of SIP plans will be good for you to invest in a SIP for travel:

• Short-Term Debt Funds (Safe choice for 6–24 months): Short-term debt funds carry very low risk and offer steady, predictable returns, making them ideal when your travel date is near.
• Hybrid Funds (Balanced choice for 1–3 years): Hybrid funds invest in a mix of equity and debt, giving better returns than pure debt funds while keeping the risk at a moderate level. They offer smoother growth and are suitable for travel goals that are 1 to 3 years away.
• Large Cap Index Funds (For long travel goals of 3 years): Large cap index funds are a good option for long-term travel planning because they offer moderate risk and steady growth by tracking major market indices. They are ideal for expensive international trips planned after 3 years.

SIP Calculator to Estimate Amount for Travel

A SIP calculator helps you know how much you need to invest every month to reach your travel goal on time. It removes guesswork and gives you a clear monthly plan.

SIP Calculator for Travel Expenses: Select the “I Know My Goal Amount” option in the SIP calculator and enter your travel goal amount, investment duration, and expected returns-

• Travel Expenses Estimate: ₹3,00,000
• Investment Duration: 2 years
• Expected Return: 15% annually.
• SIP Calculator Results: The calculator provides the required monthly investment amount-
  • Total Investment: ₹2.59 lakhs
  • Amount Required: ₹3 lakhs
  • Monthly Investment Required: ₹10,800
  • Wealth Gained from SIP: ₹41,500

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

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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

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Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

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Monthly Investment ₹22.4 L

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Top Funds with High Returns (Past 7 Years)

13.49%

Equity Pension

15.9%

Opportunities Fund

18.4%

High Growth Fund

18.03%

US Growth Fund

21.25%

Multi Cap Fund

14.79%

Accelerator Mid-Cap Fund II

15.9%

Multiplier

15.29%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

11.79%

Growth Plus Fund

14.6%

US Equity Fund

15.78%

Growth Opportunities Plus Fund

12.4%

Equity Top 250 Fund

14.67%

Future Apex Fund

12.64%

Pension Dynamic Equity Fund

14.92%

Pension Enhanced Equity

Key Points to Consider Before Investing in a SIP for Travel

You must consider the following points before you start investing in a SIP plan to cover your travel expenses:

• Decide your travel plan: Finalize your destination, month or year of travel, and a rough budget that includes expected inflation.
• Calculate total cost: Add all expenses such as flights, hotels, visas, local transport, activities, insurance, and a currency buffer for international trips.
• Match tenure and fund: Choose ultra-short or short-duration debt funds for goals up to 3 years, and use hybrid or equity funds only when you have a 3–5+ year timeline.
• Risk understanding: If you are risk-averse or your travel dates cannot be changed (like weddings or visa deadlines), allocate more towards debt funds for safety.
• Pick realistic return assumptions: Use 6–8% expected returns for debt funds and 10–12% for hybrid/equity in calculators. Avoid using unusually high return numbers from past bull-market years.
• Choose right funds: Avoid very volatile sector or thematic funds for short-term travel goals, such as small-cap or infrastructure funds, even if their past performance in 2026 looks attractive.
• Shift investments gradually: Start moving equity-heavy travel SIP money into safer debt funds at least 6–12 months before booking tickets. This helps protect your gains and reduces last-minute volatility risk.
• Track progress: Review your SIP every 6–12 months. If the market rises sharply and your goal is close, shift more funds to debt earlier.
• Tax and exit loads: Check exit loads in debt and hybrid funds, and understand tax rules for debt versus equity gains—especially if you plan to redeem within 3 years.

Conclusion

SIP for travel is a smart way to plan for your vacation fund. By investing small amounts regularly, you can build a significant corpus over time, making your travel dreams a reality without any financial stress. With the power of compounding and the flexibility of SIPs, you can align your investments to match your travel goals. Start early, stay consistent, and enjoy a hassle-free holiday experience.