Best Performing 1-year SIP Plans
Here are some category-wise top-performing SIPs under the Equity, Debt, and Hybrid Mutual Funds:
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Equity, Multi-Cap Funds
| Fund Name |
1 year |
3 years |
| Sundaram Multi Cap Fund - Direct Plan - Growth |
2.01% |
18.64% |
| Invesco India Multicap Fund - Direct Plan - Growth |
3.03% |
21.23% |
| SBI Multicap Fund Direct Growth |
5.45% |
18.15% |
| Axis Multicap Fund - Direct Plan - Growth |
4.60% |
23.74% |
| ICICI Prudential Multicap Fund - Direct Plan - Growth |
0.69% |
21.96% |
Returns of the funds are as of 4 August 2025.
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer. The tax benefit is subject to changes in tax laws. *Standard T&C Apply
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Equity, Large Cap Funds
| Fund Name |
1 year |
3 years |
| ICICI Prudential Large Cap Fund - Direct Plan - Growth |
2.42% |
19.18% |
| Mirae Asset Large Cap Fund - Direct Plan - Growth |
2.43% |
14.20% |
| SBI Large Cap Fund - Direct Plan - Growth |
2.94% |
15.51% |
| DSP Large Cap Fund - Direct Plan - Growth |
2.90% |
18.91% |
| Canara Robeco Large Cap Fund - Regular Plan - Growth |
2.48% |
15.63% |
Returns of the funds are as of 4 August 2025.
-
Equity, Mid Cap Funds
| Fund Name |
1 year |
3 years |
| Motilal Oswal Midcap Fund Direct Growth |
4.70% |
30.60% |
| Invesco India Mid Cap Fund - Growth |
13.80% |
27.94% |
| PGIM India Midcap Fund - Growth |
3.33% |
14.59% |
| Edelweiss Mid Cap Fund - Regular Plan - Growth |
5.42% |
25.33% |
| Nippon India Growth Mid Cap Fund - Direct Plan - Growth |
2.53% |
26.47% |
Returns of the funds are as of 4 August 2025.
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer. The Tax benefit is subject to changes in tax laws. *Standard T&C Apply
-
Equity, Small Cap Funds
| Fund Name |
1 year |
3 years |
| Invesco India Smallcap Fund - Direct - Growth |
6.80% |
28.29% |
| Bandhan Small Cap Fund - Direct Plan - Growth |
6.50% |
32.57% |
| HDFC Small Cap Fund - Direct Plan - Growth |
2.78% |
26.00% |
| Axis Small Cap Fund Direct Growth |
2.75% |
21.83% |
| DSP Small Cap Fund - Direct Plan - Growth |
1.67% |
22.17% |
Returns of the funds are as of 4 August 2025.
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Debt Low Duration Funds
| Fund Name |
1 year |
3 years |
| Mahindra Manulife Low Duration Fund - Regular Plan - Growth |
7.55% |
6.86% |
| Mirae Asset Short Duration Fund - Direct Plan - Growth |
9.56% |
8.02% |
| SBaroda BNP Paribas Low Duration Fund - Regular Plan - Growth |
7.47% |
6.85% |
| ICICI Prudential Short Term Fund - Growth |
8.78% |
7.90% |
| LIC MF Low Duration Fund Direct Growth |
8.27% |
7.47% |
Returns of the funds are as of 4 August 2025.
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Debt, Gilt Funds
| Fund Name |
1 year |
3 years |
| SBI Magnum Gilt Fund Direct Growth |
7.81% |
8.59% |
| DSP Gilt Fund Direct Plan-Growth |
8.35% |
8.50% |
| ICICI Prudential Gilt Fund Direct Plan Growth |
9.66% |
9.19% |
| Aditya Birla Sun Life Government Securities Fund Direct Plan Growth |
7.30% |
7.86% |
| Bandhan Government Securities Investment Plan Direct Growth |
6.97% |
7.99% |
Returns of the funds are as of 4 August 2025.
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer. The Tax benefit is subject to changes in tax laws. *Standard T&C Apply
-
Hybrid, Aggressive Hybrid Funds
| Fund Name |
1 year |
3 years |
| ICICI Prudential Equity & Debt Fund Direct Plan Growth |
4.68% |
20.22% |
| HDFC Hybrid Equity Fund Direct Plan Growth |
3.07% |
14.40% |
| Edelweiss Aggressive Hybrid Fund Direct Growth |
3.51% |
19.67% |
| Canara Robeco Equity Hybrid Fund Direct Growth |
2.23% |
14.89% |
| Franklin India Aggressive Hybrid Fund - Direct - Growth |
3.30% |
16.85% |
Returns of the funds are as of 4 August 2025.
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer. The Tax benefit is subject to changes in tax laws. *Standard T&C Apply
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.
- Insurance Companies
- Mutual Funds
|
Returns |
| Fund Name |
5 Years |
7 Years |
10 Years |
| Axis Max Life |
28.6% |
21.1% |
|
| Tata AIA Life |
26.44% |
21.21% |
|
| Bajaj Allianz |
20.42% |
12.78% |
|
| HDFC Life |
21.36% |
14.86% |
|
| ICICI Prudential Life |
20.5% |
- |
|
| Birla Sun Life |
22.2% |
14.74% |
|
| PNB MetLife |
20.4% |
16.29% |
|
| Canara HSBC Life |
15.46% |
10.38% |
|
| LIC India |
10.91% |
- |
|
| SBI Life |
16.9% |
11.92% |
|
Fund rating powered by
Last updated: Aug 2025
| |
Returns |
| Fund Name |
3 Years |
5 Years |
10 Years |
| QUANT |
23.92% |
31.48% |
|
| PARAG PARIKH |
20.69% |
26.41% |
|
| EDELWEISS |
22.34% |
24.29% |
|
| KOTAK |
24.64% |
25.01% |
|
| MIRAE ASSET |
19.74% |
24.32% |
|
| PGIM INDIA |
14.75% |
23.39% |
|
| DSP |
18.41% |
22.33% |
|
| CANARA ROBECO |
20.05% |
21.80% |
|
| SUNDARAM |
18.27% |
18.22% |
|
Last updated: August 2025
How Do the Best 1-Year SIP Plans Work?
Let’s understand how the best mutual funds SIP plans work and give good returns
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You invest a fixed amount every month for 12 months in a mutual fund.
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Minimum amount: Starts from just ₹500/month.
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You can start, stop or change SIP anytime.
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Rupee cost averaging helps reduce risk by buying more units when prices are low.
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Even in 1 year, small returns add up due to compounding.
Example:
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Monthly SIP: ₹5,000
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Duration: 12 months
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Total investment: ₹60,000
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Estimated return @10% p.a.: ₹3,200
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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
Monthly Investment
₹22.4 L
Top Funds with High Returns (Past 7 Years)
17.8%
High Growth Fund
20.24%
India Consumption Fund
14.99%
Accelerator Mid-Cap Fund II
15.24%
Global Equity Index Funds Strategy
15.5%
Pension India Consumption Fund
15.75%
Multiplier
15.25%
Virtue II
11.08%
Growth Plus Fund
13.96%
Accelerator Fund
11.46%
Pension Dynamic Equity Fund
14.37%
Frontline Equity Fund
12.56%
Equity Pension
11.71%
Equity Top 250 Fund
14.85%
Growth Opportunities Plus Fund
13.71%
Future Apex Fund
13.87%
US Equity Fund
Why invest in 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:
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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.
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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.
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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.
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High Liquidity: Most SIPs for 1 year allow easy redemption, so you can access your funds quickly if needed.
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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.
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Flexibility: You can increase, decrease, or stop your SIP at any time, adjusting your investments as your financial situation changes.
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Portfolio Diversification: Choosing which SIP is best for 1 year allows you to diversify your investments across different funds, balancing risk and return.
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Professional Management: Your money is managed by expert fund managers who make strategic investment decisions on your behalf.
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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.
