Best Performing 1-year SIP Plans
Here are some category wise top-performing SIP mutual funds who have given more than 15% returns in a year:
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.
Details of Best 1 Year SIP Plans
Below are the details of best 1-year SIP plans to invest in:
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Kotak Silver ETF FoF Fund Regular- Growth
The scheme seeks to generate returns by investing in units of Kotak Silver ETF.
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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.
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SBI Silver ETF FoF Fund Regular- Growth
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.
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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.
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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.
- Insurance Companies
- Mutual Funds
|
Returns |
| Fund Name |
5 Years |
7 Years |
10 Years |
| SBI Life |
9.34% |
10.95% |
|
| HDFC Life |
13.42% |
14.11% |
|
| Axis Max Life |
18.97% |
20.22% |
|
| ICICI Prudential Life |
11.96% |
12.16% |
|
| Tata AIA Life |
21% |
19.82% |
|
| Bajaj Life |
13.13% |
12.32% |
|
| Birla Sun Life |
15.25% |
14.26% |
|
| PNB MetLife |
13.31% |
15.18% |
|
| Canara HSBC Life |
9.16% |
8.94% |
|
| Star Union Dai-ichi Life |
8.08% |
8.85% |
|
Fund rating powered by
Last updated: Feb 2026
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:
-
Monthly SIP: ₹5,000
-
Duration: 12 months
-
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)
12.3%
Equity Pension
14.3%
Opportunities Fund
18.15%
High Growth Fund
12.39%
Opportunities Fund
22%
Multi Cap Fund
13.89%
Accelerator Mid-Cap Fund II
15.45%
Multiplier
13.9%
Frontline Equity Fund
14.59%
Virtue II
10.33%
Equity II Fund
10.12%
Blue-Chip Equity Fund
14.71%
Growth Opportunities Plus Fund
11.31%
Equity Top 250 Fund
13.05%
Future Apex Fund
11.07%
Pension Dynamic Equity Fund
13.55%
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:
- A one-year SIP builds discipline by encouraging consistent monthly contributions, which supports goals such as funding a vacation, creating an emergency reserve, or covering a major purchase.
- These plans remain affordable since they require only modest starting amounts, allowing participation without needing substantial upfront capital.
- Rupee cost averaging comes into play as you invest the same sum each month, acquiring additional units during market dips and fewer at peaks, which gradually reduces your overall cost basis.
- High liquidity stands out because most one-year SIPs permit straightforward redemptions, giving you prompt access to your capital when circumstances demand it.
- Returns from top one-year SIPs, particularly in short-term debt or liquid funds, typically surpass those of standard savings accounts.
- Flexibility proves valuable as you can adjust, reduce, or pause contributions anytime to reflect shifts in your financial circumstances.
- Portfolio diversification becomes feasible by selecting SIPs across varied funds, helping to balance potential risks against expected rewards.
- Professional fund managers oversee your investments, applying their expertise to guide allocation decisions effectively.
- Automation simplifies the process through monthly auto-debits, guaranteeing regular investments without ongoing manual effort.
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.
