SIP for Travel

Planning your dream vacation needs money, but saving for it can be simple with a Systematic Investment Plan (SIP). SIP allows you to invest small amounts regularly in mutual funds, helping you create a travel fund over time. In 2025, many mutual funds offer SIP options designed for goals like travel. It is a disciplined, flexible, and low-risk method to save while earning good returns.

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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

Payment Mode
Invest
₹ 10,000
Invest for
AUM (Cr)

₹10,929

NAV

119.11

Estimated Value

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

+ 29.3 22.69 17.8 %

Instant tax receipt
AUM (Cr)

₹2,606

NAV

74.28

Estimated Value

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

+ 21.7 18.33 16 %

Instant tax receipt
AUM (Cr)

₹3,292

NAV

71.7

Estimated Value

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

+ 20.47 18.1 14.99 %

Instant tax receipt
AUM (Cr)

₹35,507

NAV

78.04

Estimated Value

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

+ 21.47 17.06 14.45 %

Instant tax receipt
AUM (Cr)

₹5,476

NAV

82.8

Estimated Value

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

+ 20.67 15 14.32 %

Instant tax receipt
AUM (Cr)

₹426

NAV

70.8

Estimated Value

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

+ 17.66 16 14.22 %

Instant tax receipt
AUM (Cr)

₹4,466

NAV

70.94

Estimated Value

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

+ 20.32 17.31 14.13 %

Instant tax receipt
AUM (Cr)

₹3,538

NAV

42.77

Estimated Value

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

+ 17.42 15.21 13.95 %

Instant tax receipt
AUM (Cr)

₹232

NAV

51.62

Estimated Value

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

+ 20.25 17.21 13.74 %

Instant tax receipt
AUM (Cr)

₹7,238

NAV

156.57

Estimated Value

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

+ 17.45 15.23 13.47 %

Instant tax receipt
AUM (Cr)

₹2,606

NAV

74.28

Estimated Value

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

+ 21.7 18.33 16 %

AUM (Cr)

₹3,292

NAV

71.7

Estimated Value

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

+ 20.47 18.1 14.99 %

AUM (Cr)

₹426

NAV

70.8

Estimated Value

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

+ 17.66 16 14.22 %

AUM (Cr)

₹4,466

NAV

70.94

Estimated Value

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

+ 20.32 17.31 14.13 %

AUM (Cr)

₹3,538

NAV

42.77

Estimated Value

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

+ 17.42 15.21 13.95 %

AUM (Cr)

₹232

NAV

51.62

Estimated Value

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

+ 20.25 17.21 13.74 %

AUM (Cr)

₹7,238

NAV

156.57

Estimated Value

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

+ 17.45 15.23 13.47 %

AUM (Cr)

₹108

NAV

57.74

Estimated Value

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

+ 20.23 16.95 13.41 %

AUM (Cr)

₹2,922

NAV

69.53

Estimated Value

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

+ 16.88 15.21 13.07 %

AUM (Cr)

₹12,581

NAV

84.72

Estimated Value

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

+ 17.25 14.85 12.93 %

AUM (Cr)

₹10,929

NAV

119.11

Estimated Value

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

+ 29.3 22.69 17.8 %

AUM (Cr)

₹35,507

NAV

78.04

Estimated Value

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

+ 21.47 17.06 14.45 %

AUM (Cr)

₹5,476

NAV

82.8

Estimated Value

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

+ 20.67 15 14.32 %

AUM (Cr)

₹8,754

NAV

65.29

Estimated Value

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

+ 25.6 23.54 20.49 %

AUM (Cr)

₹9

NAV

10.56

Estimated Value

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

+ 20.5 15.5 %

AUM (Cr)

₹1,006

NAV

74.77

Estimated Value

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

+ 19.51 16.84 14.41 %

AUM (Cr)

₹13,497

NAV

71.02

Estimated Value

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

+ 18.57 15.97 13.17 %

AUM (Cr)

₹1,104

NAV

55.31

Estimated Value

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

+ 18.99 15.11 12.4 %

AUM (Cr)

₹523

NAV

59.07

Estimated Value

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

+ 16.86 14.38 11.44 %

AUM (Cr)

₹264

NAV

28.93

Estimated Value

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

+ 10.3 11.36 10.78 %

AUM (Cr)

₹823

NAV

41.06

Estimated Value

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

+ 6.03 7.83 7.57 %

AUM (Cr)

₹480

NAV

38.68

Estimated Value

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

+ 5.68 7.95 7.4 %

AUM (Cr)

₹151

NAV

35.13

Estimated Value

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

+ 5.47 7.44 7.21 %

AUM (Cr)

₹122

NAV

29.76

Estimated Value

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

+ 6.01 7.1 7.14 %

AUM (Cr)

₹76

NAV

41.39

Estimated Value

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

+ 5.56 7.36 7.12 %

AUM (Cr)

₹189

NAV

47.39

Estimated Value

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

+ 5.01 7.25 6.99 %

AUM (Cr)

₹18,605

NAV

50.26

Estimated Value

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

+ 5.48 7.26 6.93 %

AUM (Cr)

₹91

NAV

39.23

Estimated Value

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

+ 5.46 7.41 6.91 %

AUM (Cr)

₹7,201

NAV

32.52

Estimated Value

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

+ 5.05 7.01 6.91 %

AUM (Cr)

₹883

NAV

100.73

Estimated Value

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

+ 19.41 17.77 15.26 %

AUM (Cr)

₹354

NAV

48.84

Estimated Value

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

+ 13.24 12.32 10.53 %

AUM (Cr)

₹64

NAV

61.48

Estimated Value

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

+ 10.97 10.79 10.03 %

AUM (Cr)

₹478

NAV

105.03

Estimated Value

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

+ 11.11 11.06 9.96 %

AUM (Cr)

₹5,437

NAV

40.69

Estimated Value

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

+ 12.32 11.39 9.96 %

AUM (Cr)

₹22,111

NAV

74.39

Estimated Value

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

+ 11.02 10.97 9.89 %

AUM (Cr)

₹278

NAV

32.27

Estimated Value

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

+ 12.19 10.84 9.84 %

AUM (Cr)

₹7,378

NAV

112.23

Estimated Value

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

+ 11.83 11.16 9.72 %

AUM (Cr)

₹821

NAV

40.04

Estimated Value

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

+ 12.24 11.21 9.72 %

AUM (Cr)

₹1,915

NAV

44.3

Estimated Value

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

+ 12.8 11 9.54 %

AUM (Cr)

₹1,295

NAV

80.69

Estimated Value

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

+ 18.13 15.46 13.56 %

AUM (Cr)

₹7,238

NAV

156.64

Estimated Value

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

+ 17.49 15.03 13.46 %

AUM (Cr)

₹2,922

NAV

69.42

Estimated Value

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

+ 16.89 14.81 13.01 %

View More

What is SIP for Travel?

A SIP for travel is a method where you invest a fixed amount regularly in mutual funds to accumulate funds for your travel goals. Instead of saving a large amount at once, you contribute small amounts over time. This allows you to plan and save for your trips in a disciplined way. By choosing the right mutual funds, you can potentially earn returns that grow your travel fund. It is a convenient and smart way to ensure you have enough savings for your next vacation or travel adventure.

  • Insurance Companies
  • Mutual Funds
Returns
Fund Name 5 Years 7 Years 10 Years
Equity Fund SBI Life
Rating
16.6% 14.32%
11.8%
View Plan
Global Equity Index Funds Strategy HDFC Life
Rating
15.72% -
16.14%
View Plan
High Growth Fund Axis Max Life
Rating
29.3% 22.69%
17.8%
View Plan
Pension India Consumption Fund ICICI Prudential Life
Rating
20.5% -
15.5%
View Plan
Multi Cap Fund Tata AIA Life
Rating
25.6% 23.54%
20.49%
View Plan
Accelerator Mid-Cap Fund II Bajaj Life
Rating
20.67% 15%
14.32%
View Plan
Multiplier Birla Sun Life
Rating
22.72% 17.36%
15.62%
View Plan
Pension Mid Cap Fund PNB MetLife
Rating
34.5% -
18.41%
View Plan
Equity II Fund Canara HSBC Life
Rating
16.34% 12.81%
10.64%
View Plan
US Equity Fund Star Union Dai-ichi Life
Rating
14.69% -
13.87%
View Plan
Fund rating powered by
Last updated: Sep 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: August 2025

Compare more funds

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

How a SIP for Travel Works?

Learn the workings of best SIP for travel from the following steps:

  • Set Your Travel Goal: Decide your travel destination, budget, and how much time you have to save.

  • Select a Mutual Fund: Choose a fund based on your timeline—equity funds for long-term goals or debt funds for short-term.

  • Fix the SIP Amount: Divide your total travel budget by the months left before your trip to decide how much to invest monthly.

  • Start Your SIP: Open a mutual fund account, set up the SIP, and automate monthly payments.

  • Track the Growth: Check how your investments are growing and adjust if needed.

  • Redeem for Your Trip: Withdraw the amount before your trip and use it to enjoy a stress-free vacation.

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
Years
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Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
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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
  • 1
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Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
% Annually
  • 1
  • 2
  • 3
  • 4
  • 6
  • 7
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Monthly Investment ₹22.4 L
View Plans
Top Funds with High Returns (Past 7 Years)
Equity Pension
12.34%
Equity Pension
Global Equity Index Funds Strategy
16.14%
Global Equity Index Funds Strategy
High Growth Fund
17.8%
High Growth Fund
Pension India Consumption Fund
15.5%
Pension India Consumption Fund
Multi Cap Fund
20.49%
Multi Cap Fund
Accelerator Mid-Cap Fund II
14.32%
Accelerator Mid-Cap Fund II
Multiplier
15.62%
Multiplier
Frontline Equity Fund
14.13%
Frontline Equity Fund
Pension Mid Cap Fund
18.41%
Pension Mid Cap Fund
Equity II Fund
10.64%
Equity II Fund
US Equity Fund
13.87%
US Equity Fund
Growth Opportunities Plus Fund
14.41%
Growth Opportunities Plus Fund
Equity Top 250 Fund
11.44%
Equity Top 250 Fund
Future Apex Fund
13.41%
Future Apex Fund
Pension Dynamic Equity Fund
11.25%
Pension Dynamic Equity Fund
Accelerator Fund
13.74%
Accelerator Fund

SIP Calculator to Estimate Amount for Travel

A SIP calculator is a helpful tool to estimate the amount you need to save for travel goals. It calculates how much you should invest monthly through a Systematic Investment Plan (SIP) to reach your target amount within a specific time. It helps you plan your savings effectively and ensures you achieve your dream trip without financial stress.

  • 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

Start An Sip Today Watch Your Money Grow Start An Sip Today Watch Your Money Grow

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: Choose your destination, travel budget, and date of travel before starting.

  • Know How Much You Need: Calculate total expenses like flights, hotels, food, and sightseeing.

  • Pick the Right Fund: Select funds with low to moderate risk and steady returns suitable for your timeline.

  • Match Tenure with Goal: Align your SIP period with the time left for your trip. Short-term SIPs (1-3 years) are best for travel.

  • Understand Your Risk: If you want low risk, go for debt or hybrid funds. For higher returns, choose equity funds if you have time.

  • Set Monthly SIP Amount: Fix a SIP amount that fits your monthly budget without stress.

  • Track Performance: Keep checking the fund's progress and switch if needed to meet your target.

  • Be Aware of Taxes: Understand the tax on profits, especially if you withdraw your SIP within one year.

  • Keep Emergency Savings: Always have extra money saved for emergencies so your travel plan is not affected.

  • Start Early: Begin your SIP early to get the benefit of compounding and save stress-free.

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.

SIP Hub

FAQs

  • What is a SIP for travel?

    SIP for travel is a systematic investment plan that allows you to invest small amounts regularly in mutual funds to save for travel expenses.
  • How does SIP for travel work?

    You invest a fixed amount in a mutual fund at regular intervals. Over time, the investment grows, helping you save for travel goals.
  • Why should I invest in SIP for travel?

    SIP for travel helps you plan your travel expenses in advance by saving regularly, ensuring you have enough funds when you need them.
  • Can I choose the amount for SIP for travel?

    Yes, you can choose the amount you want to invest monthly based on your travel budget and goals.
  • When should I start SIP for travel?

    It is best to start SIP for travel as early as possible to allow your investments to grow over time, giving you ample funds for your trip.

˜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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