Best 1 Year SIP Plans

Best Performing 1-year SIP Plans

Here are some category wise top-performing SIP mutual funds:

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It is important to know that there are many other Systematic Investment Plans with decent returns.  Research about the mutual fund market is advisable before making any kind of investment plan.

Details of Best 1 Year SIP Plans

Below are the details of best 1-year SIP plans to invest in: 

1. Kotak Silver ETF FoF Fund Regular- Growth

   The scheme seeks to generate returns by investing in units of Kotak Silver ETF.

   Parameters	Details
   Fund Name	Kotak Silver ETF FoF Regular - Growth
   NAV	₹ 21.70 (as on 18th October, 2025)
   AUM	₹177.05 Crs
   Expense Ratio	0.6%
   Return 1 Year	74.87%
   Return 2 Years	47.21%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	31st March, 2023
   Asset Allocation	Others: 1.15%, Commodities: 98.85%
   Top Holdings	Kotak Silver ETF Regular - Growth Repo Net Payables
   Fund Managers	Abhishek Bisen Jeetu Valechha Sonar
   Fund Type	Open-ended

2. Axis Silver FoF Fund Regular- Growth

   The investment objective of Axis Silver FoF Fund Regular-Growth is to seek long-term capital appreciation by investing primarily in units of the Axis Silver ETF. The scheme aims to track the returns generated by the Axis Silver ETF, subject to tracking errors.

   Parameters	Details
   Fund Name	Axis Silver FoF Regular-Growth
   NAV	₹ 28.56 (as on 18th October, 2025)
   AUM	₹176.82 Crs
   Expense Ratio	0.71%
   Return 1 Year	78.54%
   Return 2 Years	48.83%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	21st September, 2022
   Asset Allocation	Debt: 1.11%, Others: 0.35%, Commodities: 98.54%
   Top Holdings	Axis Silver ETF Regular-Growth Others CBLO Net Payables
   Fund Managers	Pratik Tibrewal Aditya Pagaria
   Fund Type	Open-ended

3. SBI Silver ETF FoF Fund Regular- Growth (44420)

   SBI Silver ETF FoF Fund Regular-Growth aims to generate returns that closely correspond to the performance of silver prices in India by investing primarily in the SBI Silver ETF, which tracks domestic silver prices.

   Parameters	Details
   Fund Name	SBI Silver ETF FoF Regular-Growth
   NAV	₹ 17.69 (as on 18th October, 2025)
   AUM	₹483.07 Crs
   Expense Ratio	0.63%
   Return 1 Year	77.22%
   Return 2 Years	N/A
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	11th July, 2024
   Asset Allocation	Others: 0.23%, Commodities: 99.77%
   Top Holdings	SBI Silver ETF-Growth Repo Net Payables
   Fund Managers	NA
   Fund Type	Open-ended

4. HDFC Silver ETF FoF Fund Regular- Growth

   To seek capital appreciation by investing in units of HDFC Silver ETF (HSETF), primarily targeting silver commodity exposure through an actively managed portfolio.

   Parameters	Details
   Fund Name	HDFC Silver ETF FoF Regular - Growth
   NAV	₹ 27.49 (as on 18th October, 2025)
   AUM	₹516.79 Crs
   Expense Ratio	0.6%
   Return 1 Year	80.17%
   Return 2 Years	49.28%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	28th October, 2022
   Asset Allocation	Others: 2.39%, Commodities: 97.61%
   Top Holdings	HDFC Silver ETF Regular - Growth Repo Net Payables
   Fund Managers	Arun Agarwal Nandita Menezes
   Fund Type	Open-ended

5. Nippon India Silver ETF FoF Fund Regular- Growth

   The scheme seeks to provide returns that closely correspond to returns provided by Nippon India Silver ETF by investing in units of Nippon India Silver ETF.

   Parameters	Details
   Fund Name	Nippon India Silver ETF FoF Regular - Growth
   NAV	₹ 25.42 (as on 18th October, 2025)
   AUM	₹1,025.65 Crs
   Expense Ratio	0.59%
   Return 1 Year	77.14%
   Return 2 Years	47.8%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	2nd February, 2022
   Asset Allocation	Debt: 0.01%, Others: 0.67%, Commodities: 99.32%
   Top Holdings	Nippon India Silver ETF - Growth Repo Others Mrgn Money Net Payables
   Fund Managers	NA
   Fund Type	Open-ended

How Do the Best 1-Year SIP Plans Work?

Let’s understand how the best mutual funds SIP plans work and give good returns:

• You invest a fixed amount every month for 12 months in a mutual fund.

• Minimum amount: Starts from just ₹500/month.

• You can start, stop or change SIP anytime.

• Rupee cost averaging helps reduce risk by buying more units when prices are low.

• Even in 1 year, small returns add up due to compounding.

Example: 

• Monthly SIP: ₹5,000

• Duration: 12 months

• Total investment: ₹60,000

• Estimated return @10% p.a.: ₹3,200

• Final value after 1 year: ₹63,200. 

Using the SIP calculator you can calculate the returns on your SIP investment after 1 year. Your invested amount of ₹60,000 grows to ₹63,200 after 1 year with your 1 year SIP plan.

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 ₹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

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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)

12.4%

Equity Pension

16.14%

Global Equity Index Funds Strategy

17.8%

High Growth Fund

15.5%

Pension India Consumption Fund

20.55%

Multi Cap Fund

14.29%

Accelerator Mid-Cap Fund II

15.52%

Multiplier

14.14%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

10.66%

Equity II Fund

13.87%

US Equity Fund

14.47%

Growth Opportunities Plus Fund

11.51%

Equity Top 250 Fund

13.36%

Future Apex Fund

11.25%

Pension Dynamic Equity Fund

13.72%

Accelerator Fund

Why invest in the Best SIP for 1 Year?

Investing in the best SIP for 1 year offers several advantages for those seeking short-term growth, disciplined saving, and flexibility. Here’s why you should consider a SIP for 1 year:

• Disciplined Investing: A 1 year SIP plan helps you build a habit of regular investing, making it easier to achieve short-term goals like a vacation, emergency fund, or a big purchase.

• Affordability: You can start with small amounts, making the best SIP to invest for 1 year accessible even if you don’t have a large lump sum.

• Rupee Cost Averaging: This strategy helps manage market volatility by investing a fixed amount every month. It lets you buy more units when prices are low and fewer when prices are high. This is a core principle of rupee cost averaging which can lower your average investment cost over time.

• High Liquidity: Most SIPs for 1 year allow easy redemption, so you can access your funds quickly if needed.

• Better Returns Than Savings Accounts: The best SIP for 1 year often provides higher returns compared to traditional savings accounts, especially if you choose top-performing short-term debt or liquid funds.

• Flexibility: You can increase, decrease, or stop your SIP at any time, adjusting your investments as your financial situation changes.

• Portfolio Diversification: Choosing which SIP is best for 1 year allows you to diversify your investments across different funds, balancing risk and return.

• Professional Management: Your money is managed by expert fund managers who make strategic investment decisions on your behalf.

• Convenient Automation: SIPs can be easily set up with a monthly auto-debit, ensuring your investments are made regularly without any hassle.

Conclusion

The best SIP plans offer a practical entry point for both new and experienced investors seeking disciplined, short-term wealth creation. The right choice depends on your financial goals, risk tolerance, and need for liquidity. By carefully evaluating which SIP is best for 1 year, you can optimize your returns while maintaining the flexibility to access your funds after a short investment period.