What is SIP for 1 Year?
An SIP for 1 year is an investment method where you invest a fixed amount regularly, usually monthly into a mutual fund scheme for a period of one year. This approach helps you build savings through small, disciplined deposits, taking advantage of rupee cost averaging, which can help balance out market fluctuations. SIPs are suitable for short-term goals; they offer flexibility to start or stop anytime, and usually require a minimum amount as low as ₹500 per instalment, depending on the fund. After one year, you can withdraw your investment or continue as per your financial needs
- Insurance Companies
- Mutual Funds
|
Returns |
Fund Name |
5 Years |
7 Years |
10 Years |
Max Life |
27.23% |
22.19% |
|
Tata AIA |
30.96% |
22.84% |
|
Bajaj Allianz |
23.63% |
13.87% |
|
HDFC Standard |
25.19% |
15.94% |
|
Canara HSBC Oriental Bank |
19.43% |
11.22% |
|
Bharti AXA |
23.07% |
15.89% |
|
Birla Sun Life |
26.07% |
15.44% |
|
ICICI Prudential |
23.04% |
14.48% |
|
LIC |
- |
- |
|
PNB Metlife |
24.23% |
17.63% |
|
Fund rating powered by
Last updated: Jun 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% |
|


Best Performing 1-year SIP Plans
Here are some category-wise top-performing SIPs under the Equity, Debt, and Hybrid Mutual Funds:
-
Equity, Multi-Cap Funds
Fund Name |
1 year |
3 years |
Quant Active Fund Direct Growth |
-6.04% |
17.25% |
HDFC Multi Cap Fund Direct Growth |
6.4% |
26.38% |
Nippon India Multi Cap Fund Direct Growth |
7.67% |
28.02% |
SBI Multicap Fund Direct Growth |
13.49% |
19.92% |
Tata Multicap Fund Direct Growth |
1.37% |
- |
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, Large Cap Funds
Fund Name |
1 year |
3 years |
ICICI Prudential Bluechip Fund Direct Growth |
8.21% |
24.53% |
SBI Bluechip Direct Plan Growth |
8.59% |
17.39% |
Axis Large Cap Fund Direct Growth |
6.78% |
13.52% |
Canara Robeco Bluechip Equity Fund Direct Growth |
9.82% |
18.66% |
Nippon India Large Cap Fund Direct Growth |
7.41% |
23.49% |
-
Equity, Mid Cap Funds
Fund Name |
1 year |
3 years |
Motilal Oswal Midcap Fund Direct Growth |
17.69% |
33.11% |
SBI Magnum Mid Cap Direct Plan Growth |
7.13% |
21.76% |
HDFC Mid Cap Opportunities Direct Plan Growth |
10.77% |
30.34% |
Quant Mid Cap Fund Direct Growth |
-9.94% |
24.1% |
Nippon India Growth Fund Direct Growth |
11.34% |
29.2% |
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 |
Quant Small Cap Fund Direct Plan Growth |
-1.48% |
28.74% |
Nippon India Small Cap Fund Direct Growth |
5.2% |
28.22% |
Axis Small Cap Fund Direct Growth |
12.43% |
23.31% |
SBI Small Cap Fund Direct Growth |
3.26% |
20% |
Tata Small Cap Fund Direct Growth |
10.4% |
26.27% |
-
Debt Low Duration Funds
Fund Name |
1 year |
3 years |
Aditya Birla Sun Life Low Duration Fund Direct Growth |
8.52% |
7.71% |
HDFC Low Duration Fund Direct Plan Growth |
8.61% |
7.78% |
Sundaram Low Duration Fund Direct Growth |
8.66% |
7.54% |
SBI Magnum Low Duration Fund Direct Plan Growth |
8.42% |
7.51% |
LIC MF Low Duration Fund Direct Growth |
8.43% |
7.37% |
-
Debt, Gilt Funds
Fund Name |
1 year |
3 years |
SBI Magnum Gilt Fund Direct Growth |
10.65% |
9.52% |
DSP Gilt Fund Direct Plan-Growth |
11.01% |
9.43% |
ICICI Prudential Gilt Fund Direct Plan Growth |
10.67% |
9.49% |
Aditya Birla Sun Life Government Securities Fund Direct Plan Growth |
10.33% |
9.1% |
Bandhan Government Securities Investment Plan Direct Growth |
10.1% |
9.28% |
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 |
Quant Absolute Fund Direct Growth |
-1.73% |
16.54% |
HDFC Hybrid Equity Fund Direct Plan Growth |
7.95% |
16.06% |
Edelweiss Aggressive Hybrid Fund Direct Growth |
11.03% |
21.07% |
Canara Robeco Equity Hybrid Fund Direct Growth |
9.57% |
16.91% |
JM Aggressive Hybrid Fund Direct Growth |
1.64% |
24.34% |
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.
SIP Calculator
Monthly Investment
₹22.4 L
Top Funds with High Returns (Past 7 Years)
18.4%
High Growth Fund
17.46%
Top 200 Fund
14.76%
Accelerator Mid-Cap Fund II
14.81%
Opportunities Fund
10.39%
Equity II Fund
13.52%
Accelerator Fund
14.6%
Growth Opportunities Plus Fund
15.6%
Multiplier
11.66%
Equity Top 250 Fund
13.49%
Future Apex Fund
12.61%
Pension Opportunities Fund
14.22%
Frontline Equity Fund
15.14%
Virtue II
11.01%
Pension Dynamic Equity Fund
11.94%
Equity Fund
10.29%
Blue-Chip 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:
-
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: By investing a fixed amount every month, you buy more units when prices are low and fewer when prices are high, helping manage market volatility and potentially lowering your average investment cost.
-
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.
-
Learning Experience: For new investors, a 1 year SIP plan is a low-commitment way to understand mutual funds and the power of systematic investing.
-
Portfolio Diversification: Choosing which SIP is best for 1 year allows you to diversify your investments across different funds, balancing risk and return.
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.