Best SIPs to Invest in for 10 Years
Below are the details of the best SIP to invest for 10 years:
Details of the Best SIP Plans for 10 Years
Below are the details of the best SIP plans mentioned above:
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Mirae Asset Large & Midcap Fund Direct Plan Growth
The investment objective of Mirae Asset Large & Midcap Fund Direct Plan Growth is to generate income and capital appreciation from a portfolio primarily investing in Indian equities and equity-related securities of large-cap and mid-cap companies at the time of investment. The fund may also participate in other Indian equity and equity-related securities to achieve optimal portfolio construction. It does not guarantee or assure any returns.
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Quant Large and Mid Cap Fund Direct-Growth
The scheme seeks to provide capital appreciation by investing in a portfolio of Large and Midcap companies.
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Canara Robeco Large and Mid Cap Fund Direct-Growth
The objective of the fund is to provide long-term capital appreciation by investing in a diversified portfolio of large and mid-cap equity stocks.
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Bandhan Large & Mid Cap Fund Direct-Growth
The Bandhan Large & Mid Cap Fund Direct-Growth aims to generate long-term capital growth by investing predominantly in large cap and mid cap stocks.
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Invesco India Large & Mid Cap Fund Direct-Growth
The scheme seeks to generate capital appreciation from a diversified portfolio of predominantly Equity and Equity Related Instruments of Large and Midcap companies. It aims to provide investors with long-term capital growth by investing in a combination of large- and medium-sized companies, providing reasonable flexibility to the fund management team to invest in companies of different sizes depending on potential gains.
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SBI Large & Midcap Fund Direct Plan-Growth
The fund seeks to provide long-term capital appreciation by investing in a diversified portfolio predominantly comprising large-cap and mid-cap companies, offering flexibility to invest across company sizes based on potential gains.
- Insurance Companies
- Mutual Funds
|
Returns |
| Fund Name |
5 Years |
7 Years |
10 Years |
| SBI Life |
13.89% |
13.47% |
|
| HDFC Life |
20.53% |
16.21% |
|
| Axis Max Life |
26.3% |
22.4% |
|
| ICICI Prudential Life |
16.77% |
15.06% |
|
| Tata AIA Life |
22.08% |
22.4% |
|
| Bajaj Life |
17.66% |
14.56% |
|
| Birla Sun Life |
19.65% |
16.55% |
|
| PNB MetLife |
31.41% |
24.68% |
|
| Canara HSBC Life |
13.67% |
11.96% |
|
| Star Union Dai-ichi Life |
15.2% |
- |
|
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Last updated: Nov 2025
How Does SIP for 10 Years Work?
Let's illustrate how SIP works with a simple example. Suppose you invest ₹10,000 monthly in a mutual fund for 10 years. Assume an average annual return of 12% (for illustrative purposes only - actual returns may vary).
We can use an SIP calculator to estimate the final amount. Here's a simplified way to understand the concept:
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Year 1: You invest ₹1,20,000 (₹10,000 x 12 months). At a 12% return, your investment grows to approximately ₹1,34,400.
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Year 2: You invest another ₹1,20,000, and your existing investment also grows. The combined amount now earns interest.
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This process continues for 10 years.
The power of compounding comes into play as your earnings from previous years also generate returns in subsequent years. Over 10 years, even with a consistent monthly investment, the final corpus can be significantly larger than the total amount invested due to compounding.
Important Note: This is a simplified illustration. Actual market returns can fluctuate, impacting the final amount. It's crucial to remember that mutual fund investments carry market risk.
SIP Calculator
Monthly Investment
₹22.4 L
Top Funds with High Returns (Past 7 Years)
13.37%
Equity Pension
15.49%
Global Equity Index Funds Strategy
19.07%
High Growth Fund
13.6%
Opportunities Fund
21.23%
Multi Cap Fund
14.59%
Accelerator Mid-Cap Fund II
16.03%
Multiplier
14.99%
Frontline Equity Fund
18.41%
Pension Mid Cap Fund
11.57%
Equity II Fund
14.8%
US Equity Fund
15.35%
Growth Opportunities Plus Fund
12.04%
Equity Top 250 Fund
14.47%
Future Apex Fund
12.41%
Pension Dynamic Equity Fund
14.84%
Pension Enhanced Equity
Factors to Consider When Choosing Best SIP to Invest for 10 Years
Below are the factors to consider when choosing the best SIP plan for 10 years
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Investment Goal: Define your financial goal for the 10-year period.
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Risk Tolerance: Assess your risk appetite. Higher risk tolerance may allow you to consider mid-cap or small-cap funds, which have higher growth potential but also higher volatility. Lower risk tolerance might be better suited for large-cap or balanced funds.
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Fund Manager's Track Record: Research the fund manager's experience and performance over time.
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Expense Ratio: Consider the expense ratio charged by the fund house, as it impacts your net returns.
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Fund Category: Choose the fund category (large-cap, mid-cap, small-cap, flexi-cap, etc.) that aligns with your risk tolerance and investment goals.
Conclusion
Investing in SIPs for 10 years can be a rewarding way to achieve your long-term financial aspirations. By choosing the right funds, staying disciplined with your investments, and understanding the power of compounding, you can potentially build a substantial corpus over time.
