Best SIP Plans for 1,000 Per Month in 2025

What is SIP Plan for 1000 per Month?

A Systematic Investment Plan (SIP) allows you to invest a small amount, such as ₹1,000 per month, in a market-linked investment option. This approach helps you to save in a disciplined manner and grow your investments over time. Choosing the best SIP plan enables wealth building through the power of compounding and rupee-cost averaging. 

Now that you know what is a SIP, you can learn the top 10 SIP plans for 1000 per month to invest in India in 2025.

Best SIP Plans for 1,000 per Month

The following table lists the best investment options to invest in a SIP for Rs. 1000 only with annualised returns for 3, 5 years and Returns Since Inception (RSI): 

Details of Best SIP Plans for 1000 per Month

The key details about the above-listed best SIP plans for 1000 per month are mentioned below:

1. Quant Multi Cap Fund Regular - Growth

   Quant Multi Cap Fund is a diversified equity mutual fund known for its dynamic investment strategy across sectors and market caps. It aims to provide long-term capital appreciation by actively managing a high-conviction portfolio based on market trends and economic conditions.

   Parameters	Details
   NAV	₹ 627.54 (as on 21st October, 2025)
   AUM	₹9,631.80 Crs
   Expense Ratio	1.74%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Fund Category	Equity
   Risk Level	Principal at very high risk
   Investment Objective	The scheme aims at providing long term capital appreciation and generating income with a diversified portfolio of Large Cap, Mid Cap and Small Cap companies.
   Launch Date	21st March, 2001
   Asset Allocation	Equity: 97.75%, Debt: 1.95%, Others: 0.3%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	Repo Aurobindo Pharma Ltd Reliance Industries Ltd Adani Power Ltd Britannia Industries Ltd Jio Financial Services Limited Life Insurance Corporation of India Aegis Logistics Ltd Larsen & Toubro Ltd Swan Energy Ltd
   Fund Managers	Sanjeev Sharma Ankit A Pande Sandeep Tandon Lokesh Garg Varun Pattani Ayusha Kumbhat Sameer Kate Yug Tibrewal

2. Canara Robeco Large and Mid Cap Fund Regular - Growth

   Canara Robeco Large and Mid Cap Fund is a large and mid-cap mutual fund that aims to generate capital appreciation by investing in a diversified portfolio of large and mid-cap stocks. 

   The fund follows a "Growth at Reasonable Price" (GARP) investment style, focusing on companies with strong growth potential at reasonable valuations.

   Parameters	Details
   NAV	₹ 260.84 (as on 21st October, 2025)
   AUM	₹25,550.61 Crs
   Expense Ratio	1.6%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Fund Category	Equity
   Risk Level	Principal at very high risk
   Investment Objective	The scheme seeks to generate capital appreciation by investing in a diversified portfolio of large and mid-cap stocks.
   Launch Date	11th March, 2005
   Asset Allocation	Equity: 97.06%, Others: 2.94%
   Top Sectors	Consumer Staples Diversified Energy & Utilities Financial Materials Real Estate Technology Industrials Healthcare Consumer Discretionary
   Top Holdings	ICICI Bank Ltd The Indian Hotels Company Ltd TVS Motor Company Ltd UNO Minda Ltd Bharat Electronics Ltd Dixon Technologies (India) Ltd Zomato Ltd KPIT Technologies Ltd Repo Trent Ltd
   Fund Managers	Shridatta Bhandwaldar Amit Nadekar

   

3. HDFC Flexi Cap Fund Regular - Growth

   HDFC Flexi Cap Fund is an open-ended dynamic equity scheme that invests across large-cap, mid-cap, and small-cap stocks. The fund tactically adjusts allocations based on market outlook and valuations, aiming for long-term capital appreciation.

   Parameters	Details
   NAV	₹ 2,073.06 (as on 21st October, 2025)
   AUM	₹80,642.30 Crs
   Expense Ratio	1.37%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Fund Category	Equity
   Risk Level	Principal at very high risk
   Investment Objective	The scheme seeks to generate capital appreciation / income from a portfolio, predominantly invested in equity & equity related instruments.
   Launch Date	1st January, 1995
   Asset Allocation	Equity: 87.98%, Debt: 0.6%, Others: 8.6%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	ICICI Bank Ltd HDFC Bank Ltd Repo Axis Bank Ltd SBI Life Insurance Company Ltd State Bank of India Kotak Mahindra Bank Ltd Maruti Suzuki India Ltd Cipla Ltd HCL Technologies Ltd
   Fund Managers	Roshi Jain Dhruv Muchhal

4. Mirae Asset Large & Midcap Fund Regular - Growth

   Mirae Asset Large & Midcap Fund is an open-ended equity scheme that invests in both large-cap and mid-cap stocks. The fund aims to capture growth opportunities in both established and emerging companies by maintaining a balanced allocation between the two segments. 

   Parameters	Details
   NAV	₹ 155.48 (as on 21st October, 2025)
   AUM	₹40,554.09 Crs
   Expense Ratio	1.52%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Fund Category	Equity
   Risk Level	Principal at very high risk
   Investment Objective	To generate income and capital appreciation from a diversified portfolio predominantly investing in Indian equities and equity related securities of large cap and midcap companies at the time of investment.
   Launch Date	9th July, 2010
   Asset Allocation	Equity: 98.84%, Debt: 0.26%, Others: 0.9%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	HDFC Bank Ltd Axis Bank Ltd State Bank of India ICICI Bank Ltd ITC Ltd Infosys Ltd Maruti Suzuki India Ltd Reliance Industries Ltd Larsen & Toubro Ltd Tata Consultancy Services Ltd
   Fund Managers	Neelesh Surana Ankit Jain

5. HDFC Mid Cap Fund Regular - Growth

   HDFC Mid-Cap Fund is an equity mutual fund focused on investing primarily in mid-cap companies. The fund seeks to capitalize on the growth potential of mid-sized businesses that are poised to become future leaders.

   Parameters	Details
   NAV	₹ 199.50 (as on 21st October, 2025)
   AUM	₹83,847.39 Crs
   Expense Ratio	1.34%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Fund Category	Equity
   Risk Level	Principal at very high risk
   Investment Objective	The scheme seeks to provide long-term capital appreciation/income by investing predominantly in Mid-Cap companies.
   Launch Date	25th June, 2007
   Asset Allocation	Equity: 93.6%, Others: 6.4%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Repo Max Financial Services Ltd Balkrishna Industries Ltd Indian Bank Fortis Healthcare Ltd Coforge Ltd AU Small Finance Bank Ltd The Federal Bank Ltd Glenmark Pharmaceuticals Ltd Ipca Laboratories Ltd
   Fund Managers	Chirag Setalvad Dhruv Muchhal

   

6. Quant Large and Mid Cap Fund - Growth

   Quant Large and Midcap Fund focuses on investing in a mix of large-cap and mid-cap stocks, aiming for growth through a balanced portfolio. The fund seeks to capitalize on both stability from large companies and growth potential from mid-sized firms. Ideal for investors seeking long-term growth and who can tolerate high-risk investments in both large and mid-cap stocks.

   Parameters	Details
   NAV	₹ 115.18 (as on 21st October, 2025)
   AUM	₹3,651.47 Crs
   Expense Ratio	1.9%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Fund Category	Equity
   Risk Level	Principal at very high risk
   Investment Objective	The scheme seeks to provide capital appreciation by investing in a portfolio of Large and Midcap companies.
   Launch Date	12th December, 2006
   Asset Allocation	Equity: 99.36%, Debt: 1.85%, Others: -1.22%
   Top Sectors	Consumer Discretionary Industrials Healthcare Materials Real Estate Technology Consumer Staples Diversified Energy & Utilities Financial
   Top Holdings	Reliance Industries Ltd Repo Lloyds Metals and Energy Ltd Aurobindo Pharma Ltd Marico Ltd Adani Power Ltd Samvardhana Motherson International Ltd Larsen & Toubro Ltd Infosys Ltd. 28-OCT-25 Life Insurance Corporation of India
   Fund Managers	Sanjeev Sharma Ankit A Pande Sandeep Tandon Varun Pattani Ayusha Kumbhat Sameer Kate Yug Tibrewal

7. PParag Parikh Flexi Cap Fund Regular - Growth

   Parag Parikh Flexi Cap Fund invests across large, mid, and small-cap stocks, offering flexibility to adapt to market conditions. It focuses on long-term wealth creation with a value-oriented approach and includes a mix of domestic and international equities.

   Parameters	Details
   NAV	₹ 86.85 (as on 21st October, 2025)
   AUM	₹113,280.87 Crs
   Expense Ratio	1.28%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
   Fund Category	Equity
   Risk Level	Principal at very high risk
   Investment Objective	The scheme aims to achieve long-term capital appreciation by investing primarily in equity and equity related instruments.
   Launch Date	24th May, 2013
   Asset Allocation	Equity: 74.81%, Debt: 22.45%, Others: 2.08%
   Top Sectors	Real Estate Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Others CBLO HDFC Bank Ltd Bajaj Holdings & Investment Ltd Power Grid Corporation of India Ltd Coal India Ltd ICICI Bank Ltd ITC Ltd Kotak Mahindra Bank Ltd Maruti Suzuki India Ltd Bharti Airtel Ltd
   Fund Managers	Rajeev Thakkar Raunak Onkar Raj Mehta Rukun Tarachandani Mansi Kariya

8. Kotak Large & Midcap Fund Regular - Growth

   Kotak Large & Midcap Fund aims to generate long-term capital appreciation by investing primarily in a diversified portfolio of large-cap and mid-cap stocks. The fund focuses on identifying growth opportunities across various sectors while maintaining a disciplined investment approach.

   Parameters	Details
   NAV	₹ 351.05 (as on 21st October, 2025)
   AUM	₹28,084.13 Crs
   Expense Ratio	1.57%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Fund Category	Equity
   Risk Level	Principal at very high risk
   Investment Objective	The scheme aims to invest in a mix of large and mid cap stocks across sectors based on performance and potential of companies within the sectors.
   Launch Date	9th September, 2004
   Asset Allocation	Equity: 97.38%, Debt: 0.37%, Others: 2.26%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	HDFC Bank Ltd Zomato Ltd Bharat Electronics Ltd ICICI Bank Ltd State Bank of India Repo Infosys Ltd Coromandel International Ltd Bharti Airtel Ltd Axis Bank Ltd
   Fund Managers	NA

9. Edelweiss Large & Mid Cap Fund Regular - Growth

   Edelweiss Large & Mid Cap Fund seeks to achieve long-term capital growth by investing in a combination of large-cap and mid-cap stocks. The fund aims to capture growth potential from mid-sized companies while maintaining stability through established large-cap firms.

   Parameters	Details
   NAV	₹ 88.07 (as on 21st October, 2025)
   AUM	₹4,063.31 Crs
   Expense Ratio	1.85%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Fund Category	Equity
   Risk Level	Principal at very high risk
   Investment Objective	The fund aims to generate income and long term capital growth from a diversified portfolio of Large Cap and Mid Cap equity and equity related securities.
   Launch Date	14th June, 2007
   Asset Allocation	Equity: 97.74%, Debt: 2.48%, Others: -0.22%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	HDFC Bank Ltd ICICI Bank Ltd Reliance Industries Ltd Others CBLO Max Healthcare Institute Ltd Infosys Ltd Bharti Airtel Ltd Dixon Technologies (India) Ltd Larsen & Toubro Ltd Mahindra & Mahindra Ltd
   Fund Managers	Raj Koradia Trideep Bhattacharya Sumanta Khan

Advantages of Investing in the Best SIP Plans for 1000 Per Month

1. Disciplined Investing

   SIPs require you to invest a fixed amount regularly, promoting a habit of disciplined saving and investing, which is essential for long-term wealth creation.

2. Affordable Entry Point

   With a minimum investment as low as ₹1,000 per month, SIPs make mutual fund investing accessible to a wide range of investors, including beginners and those with limited funds.

3. Rupee Cost Averaging

   By investing a fixed sum at regular intervals, you buy more units when prices are low and fewer when prices are high. This averages out the cost per unit over time, reducing the impact of market volatility and eliminating the need to time the market.

4. Power of Compounding

   Best SIP plans for 1000 per month harness the power of compounding, where returns earned are reinvested to generate even more returns. Over time, this can significantly boost your wealth, especially when you stay invested for the long term.

5. Flexibility

   SIPs offer flexibility in terms of investment, duration and frequency. You can start, pause, increase, or decrease your SIPs as your financial situation changes.

6. Convenience and Automation

   SIPs can be set up for automatic deduction from your bank account, making investing convenient and ensuring you never miss an installment. This saves time and effort, as you don’t need to monitor the markets or remember to invest each month.

7. Diversification

   SIPs typically invest in diversified mutual funds, spreading your investment across various asset classes and sectors. This helps manage risk and reduces the impact of poor performance in any single investment.

8. Professional Fund Management

   Your money is managed by experienced fund managers who make investment decisions based on in-depth research and analysis, potentially improving your returns compared to self-managed investments.

9. No Need to Time the Market

   Regular investments through SIPs remove the stress of trying to predict market highs and lows, which is especially helpful for new or busy investors.

10. Long-Term Wealth Creation

    SIPs are designed to help you accumulate wealth gradually, making them ideal for achieving long-term financial goals such as retirement, children’s education, or buying a home.

SIP Calculator

I know my investment amount I know my goal amount

Monthly SIP Yearly SIP Lumpsum

I want to invest Pro Tip

Financial experts suggest that a person should invest 10-15% of their monthly income for long-term financial growth

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I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

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Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

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Total Wealth ₹22.4 L

View Plans

I want to save

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

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Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

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Monthly Investment ₹22.4 L

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Top Funds with High Returns (Past 7 Years)

12.37%

Equity Pension

16.14%

Global Equity Index Funds Strategy

17.8%

High Growth Fund

15.5%

Pension India Consumption Fund

20.54%

Multi Cap Fund

14.41%

Accelerator Mid-Cap Fund II

15.55%

Multiplier

14.15%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

10.67%

Equity II Fund

13.87%

US Equity Fund

14.45%

Growth Opportunities Plus Fund

11.44%

Equity Top 250 Fund

13.42%

Future Apex Fund

11.27%

Pension Dynamic Equity Fund

13.76%

Accelerator Fund

Conclusion

Selecting the best SIP plans for Rs. 1,000 per month involves carefully considering various factors such as fund performance, risk tolerance, and investment goals. It is essential to conduct thorough research to make informed decisions tailored to your individual preferences and financial objectives. By choosing wisely, you can optimize your returns and build a solid financial foundation through planned SIP investment.