One of the emerging investment options in India, SIPs or Systematic Investment Plans is gaining popularity amongst the masses every passing day. One of the methods of investment under the Mutual Funds category, the other method being the Lump sum, SIPs have shown remarkable growth in the recent past because of their small investment amount and great returns. SIPs offer 1 year, 3 years, 5 years, and 10 years’ investment options as per the convenience of the investor.
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Let us explore some of the best 1-year Systematic Investment Plan options available for people in India currently and their return ratio in detail.
First things first. Mutual Fund investments are basically investment vehicles where AMCs (Asset Management Companies) or various other fund houses pool their investments together to earn great returns over a period of time. Now, all the investors are not able to invest huge amounts in Mutual Funds and hence Mutual Fund investments can be made either in the SIP method and Lump sum method of investment.
SIP involves pocket-friendly regular deposits, pre-defined tenure, and great returns making it an affordable and popular investment option amongst new and old investors. Regular investment in a SIP can be either monthly, quarterly, or weekly as per the investor’s convenience.
Here are some category-wise top-performing SIPs under the Equity, Debt, and Hybrid Mutual Funds:
Fund Name |
1 year |
3 years |
Fund Size(Cr) |
BNP Paribas India Consumption Fund Direct Growth |
23.10% |
23.00% |
871.93 |
Canara Robeco Consumer Trends Fund Direct Growth |
23.70% |
21.80% |
772.57 |
Invesco India Infrastructure Fund Direct Growth |
48.40% |
26.50% |
416.73 |
Quant Infrastructure Fund Direct Growth |
71.50% |
37.70% |
292.29 |
SBI Banking & Financial Services Fund Direct Growth |
15.60% |
15.40% |
2,976.46 |
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
Fund Name |
1 year |
3 years |
Fund Size(Cr) |
Axis Midcap Direct Plan Growth |
34.40% |
26.80% |
16,835.10 |
Invesco India Mid Cap Fund Direct Growth |
35.20% |
24.40% |
2,194.83 |
Kotak Emerging Equity Fund Direct Growth |
39.70% |
26.40% |
17,529.48 |
Nippon India Growth Fund Direct Growth |
38.10% |
24.80% |
11,906.10 |
PGIM India Midcap Opportunities Fund Direct Growth |
53.90% |
37.60% |
4,069.76 |
Fund Name |
1 year |
3 years |
Fund Size(Cr) |
BOI AXA Small Cap Fund Direct Growth |
63.40% |
40.90% |
212.88 |
Axis Small Cap Fund Direct Growth |
54.20% |
34.10% |
8,178.51 |
Kotak Small Cap Fund Direct Growth |
60.80% |
36.00% |
6,761.51 |
Nippon India Small Cap Fund Direct Growth |
66.50% |
31.10% |
18,831.70 |
SBI Small Cap Fund Direct Growth |
42.70% |
29.60% |
11,250.50 |
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
Fund Name |
1 year |
3 years |
Fund Size(Cr) |
Aditya Birla Sun Life India Opportunities Direct Fund Growth |
32.60% |
15.60% |
144.16 |
Aditya Birla Sun Life India Reforms Direct Fund Growth |
11.10% |
13.10% |
124.3 |
Aditya Birla Sun Life Special Situations Direct Fund Growth |
16.60% |
15.00% |
181.08 |
Tata Dividend Yield (Ex) Direct Plan Growth |
4.80% |
9.10% |
326.64 |
UTI Bluechip Flexicap Fund Direct Growth |
24.30% |
13.00% |
2,306.24 |
Fund Name |
1 year |
3 years |
Fund Size(Cr) |
Axis Credit Risk Fund Direct Growth |
7.10% |
7.20% |
729.83 |
Baroda Credit Risk Fund Plan B Direct Growth |
19.80% |
8.40% |
207.13 |
HDFC Credit Risk Debt Fund Direct Growth |
7.40% |
9.30% |
8,979.01 |
ICICI Prudential Credit Risk Fund Direct Plan Growth |
7.10% |
9.10% |
8,415.87 |
SBI Credit Risk Fund Direct Growth |
5.80% |
7.60% |
3,288.88 |
Fund Name |
1 year |
3 years |
Fund Size(Cr) |
IDFC Government Securities Investment Plan Direct Growth |
2.90% |
10.30% |
1,466.04 |
Aditya Birla Sun Life Government Securities Fund Direct Plan Growth |
4.10% |
9.40% |
1,035.19 |
Axis Gilt Fund Direct Plan Growth |
3.00% |
9.60% |
146.63 |
DSP Government Securities Direct Plan Growth |
3.50% |
10.10% |
431.6 |
Edelweiss Government Securities Fund Direct Growth |
5.20% |
10.10% |
118.11 |
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
Fund Name |
1 year |
3 years |
Fund Size(Cr) |
BNP Paribas Substantial Equity Hybrid Fund Direct Growth |
20.30% |
19.90% |
744.21 |
Canara Robeco Equity Hybrid Fund Direct Growth |
20.10% |
18.80% |
7,297.44 |
DSP Equity & Bond Direct Growth |
20.00% |
19.10% |
7,640.94 |
Mirae Asset Hybrid Equity Fund Direct Growth |
20.70% |
18.00% |
6,450.06 |
Quant Absolute Fund Direct Growth |
36.70% |
28.60% |
136.32 |
Fund Name |
1 year |
3 years |
Fund Size(Cr) |
Quant Multi Asset Fund Direct Growth |
57.00% |
29.90% |
171.54 |
Axis Triple Advantage Direct Plan Growth |
20.90% |
20.10% |
1,649.77 |
HDFC Multi Asset Fund Direct Growth |
17.60% |
16.70% |
1,396.24 |
ICICI Prudential Multi Asset Fund Direct Growth |
35.90% |
19.30% |
12,320.77 |
SBI Multi Asset Allocation Fund Direct Growth |
12.40% |
13.10% |
505.26 |
Fund Name |
1 year |
3 years |
Fund Size(Cr) |
BNP Paribas Substantial Equity Hybrid Fund Direct Growth |
20.30% |
19.90% |
744.21 |
Canara Robeco Equity Hybrid Fund Direct Growth |
20.10% |
18.80% |
7,297.44 |
DSP Equity & Bond Direct Growth |
20.00% |
19.10% |
7,640.94 |
Mirae Asset Hybrid Equity Fund Direct Growth |
20.70% |
18.00% |
6,450.06 |
Quant Absolute Fund Direct Growth |
36.70% |
28.60% |
136.32 |
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. Deep research about the mutual fund market is advisable before making any kind of investment plan.
One of the revolutionary impacts that the SIPs bring in lives of the investors is financial discipline. The monthly installments of the SIPs develop the habit of savings in the investor’s life teaching perseverance and enabling them to build a substantial financial corpus over a defined period of time.
Apart from discipline, here are some major reasons why an investor should consider investing in SIPs as compared to any other investment option:
As we know the equity market is volatile in nature so, when it comes to investment in SIP, it helps the investor to purchase more when the prices are low and less when the market is booming. SIPs are beneficial for investors who invest in more shares at less price rather than investors who invest a large sum in just one share.
An investor can buy multiple SIPs together instead of putting all their money on just 1 kind of investment. This helps in portfolio diversification as well as better chances of great returns.
SIP investments are gaining popularity these days and one of the main attraction, why investors are more inclined towards a SIP investment compared to other options, is the minimum investment amount allowed while purchasing a SIP.
Generally, an investor can start and stop a SIP wherever they wish to, offering great flexibility even if the investment amount is low.
There are many Systematic Investment Plan options available in the market with low to high risk involved. It is important to remember that thorough research of the market is required before making any kind of investment and as far as SIPs are considered, an investor should know:
The fund house reputation
The net asset value
The overall risk involved
The historic returns of the Systematic Investment Plans
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to your financial goals
Monthly Investment
Total Investment
Expected Rate of Return (Yearly)
Time Period
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