Best SIP Plans for 1,000 Per Month in 2025
Investing in the best SIP plans for ₹1,000 each month is a smart way to grow
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SIP Plan Benefits
Start SIP with as low as ₹1000
No hidden charges
Save upto ₹46,800 in Taxunder section 80C^
Zero LTCG Tax¶
Disciplined & worry-free investing
What is a 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.
- Insurance Companies
- Mutual Funds
|
Returns |
| Fund Name |
5 Years |
7 Years |
10 Years |
| Max Life |
27.23% |
21.07% |
|
| Tata AIA |
30.99% |
21.69% |
|
| Bajaj Allianz |
24.23% |
12.8% |
|
| HDFC Standard |
25.77% |
14.87% |
|
| Canara HSBC Oriental Bank |
17.51% |
10.29% |
|
| Bharti AXA |
23.03% |
15.02% |
|
| Birla Sun Life |
26.67% |
14.18% |
|
| ICICI Prudential |
22.68% |
13.38% |
|
| LIC |
- |
- |
|
| PNB Metlife |
24% |
16.86% |
|
Fund rating powered by
Last updated: May 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 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):
| Best SIP Plans for 1000 Per Month |
Annualised 3-Year Returns |
Annualised 5-Year Returns |
RSI |
| Mutual Funds |
| Quant Active Fund |
18.79% |
32.48% |
19.41% |
| Canara Robeco Emerging Equities |
21.16% |
26.18% |
20.56% |
| HDFC Flexi Cap Fund |
27.53% |
32.79% |
17.17% |
| Mirae Asset Large & Midcap Fund |
19.31% |
26.13% |
21.72% |
| HDFC Mid-Cap Opportunities Fund |
30.74% |
34.66% |
21.06% |
| Parag Parikh Flexi Cap Fund |
23.92% |
29.07% |
20.09% |
| Kotak Equity Opportunities Fund |
23.08% |
26.87% |
17.34% |
| Edelweiss Large & Mid Cap Fund |
22.85% |
27.03% |
16.66% |
Returns mentioned above are as of May 2025
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
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
14.57%
Accelerator Mid-Cap Fund II
14.81%
Opportunities Fund
10.58%
Growth Plus Fund
13.35%
Accelerator Fund
14.61%
Growth Opportunities Plus Fund
15.6%
Multiplier
11.48%
Equity Top 250 Fund
13.31%
Future Apex Fund
12.32%
Opportunities Fund
14.24%
Frontline Equity Fund
15.03%
Virtue II
10.88%
Pension Dynamic Equity Fund
11.8%
Equity Fund
10.32%
Blue-Chip Equity Fund
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:
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Quant Active Fund
Quant Active 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.
Features of Quant Active Fund:
-
Investment Objective: The fund aims for long-term capital appreciation by investing in a diversified portfolio of large-cap, mid-cap, and small-cap companies.
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Inception Date: 04 April 2001
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Benchmark Index: NIFTY 500 Multicap 50:25:25 Total Return Index
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Suitability: This fund is suitable for investors looking for long-term growth and who can tolerate high risk.
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Canara Robeco Emerging Equities Fund
Canara Robeco Emerging Equities 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.
Features of Canara Robeco Emerging Equities Fund:
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Investment Objective: To generate capital appreciation by investing in a diversified portfolio of large and mid-cap stocks. The fund seeks to identify companies with the potential to become sector leaders in the future.
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Inception Date: Jan 01, 2013
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Benchmark Index: Nifty Large Midcap 250 TRI.
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Suitability: Suitable for investors with a high-risk appetite and a long-term investment horizon (3-5 years) seeking wealth creation through exposure to both large and mid-cap companies.
-
HDFC Flexi Cap Fund
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.
Features of HDFC Flexi Cap Fund:
-
Investment Objective: To provide long-term capital appreciation by predominantly investing in high-growth companies with competitive advantages and strong financials, while diversifying across sectors to reduce volatility.
-
Inception Date: Jan 01, 2013
-
Benchmark Index: Nifty 500 TRI.
-
Suitability: Suitable for investors seeking long-term wealth creation with moderate to high risk tolerance, and who prefer a diversified portfolio across market capitalizations.
-
Mirae Asset Large & Midcap Fund
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.
Features of Mirae Asset Large & Midcap Fund:
-
Investment Objective: To generate long-term capital appreciation by investing at least 35% each in large-cap and mid-cap companies, providing a blend of stability and growth potential.
-
Inception Date: Jan 01, 2013
-
Benchmark Index: Nifty Large Midcap 250 TRI.
-
Suitability: Suitable for investors with a moderate to high risk appetite, looking for a balance between stability (large caps) and higher growth potential (mid caps), and an investment horizon of at least 3-5 years.
-
HDFC Mid-Cap Opportunities Fund
HDFC Mid-Cap Opportunities 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.
Features of HDFC Mid-Cap Opportunities Fund:
-
Investment Objective: To provide long-term capital appreciation by investing predominantly in mid-cap companies with strong growth prospects.
-
Inception Date: Jan 01, 2013
-
Benchmark Index: NIFTY Midcap 150 TRI
-
Suitability: Suitable for investors with a high risk appetite and a long-term investment horizon (at least 5 years), who are comfortable with the higher volatility associated with mid-cap stocks.
-
Quant Large and Midcap Fund
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.
Features of Quant Large and Midcap Fund:
-
Investment Objective: The fund aims to achieve long-term capital appreciation by investing in a diversified portfolio of large and mid-cap companies.
-
Inception Date: Jan 01, 2013
-
Benchmark Index: Nifty Large Midcap 250 TRI
-
Suitability: Ideal for investors seeking long-term growth and who can tolerate high-risk investments in both large and mid-cap stocks.
-
Parag Parikh Flexi Cap Fund
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.
Features of Parag Parikh Flexi Cap Fund:
-
Investment Objective: The fund aims to provide long-term capital appreciation by investing primarily in equity and equity-related instruments.
-
Inception Date: May 13, 2013
-
Benchmark Index: Nifty 500 TRI
-
Suitability: This fund is suitable for long-term investors who seek a diversified equity portfolio with exposure to large, mid, and small-cap stocks.
-
Kotak Equity Opportunities Fund
Kotak Equity Opportunities 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.
Features of Kotak Equity Opportunities Fund:
-
Investment Objective: The fund aims to provide long-term capital growth by investing in a diversified portfolio of equity and equity-related instruments.
-
Inception Date: Jan 01, 2013
-
Benchmark Index: Nifty Large Midcap 250 TRI
-
Suitability: Best suited for investors seeking long-term wealth creation and who can tolerate moderate to high risk. Ideal for those looking to invest in a mix of large and mid-cap stocks.
-
Edelweiss Large & Mid Cap Fund
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.
Features of Edelweiss Large & Mid Cap Fund:
-
Investment Objective: To provide long-term capital appreciation by investing in a combination of large-cap and mid-cap stocks.
-
Inception Date: Jan 01, 2013
-
Benchmark Index: Nifty Large Midcap 250 TRI
-
Suitability: Suitable for investors seeking long-term growth with a higher risk appetite, aiming for a balanced exposure to both large and mid-sized companies.
Advantages of Investing in the Best SIP Plans for 1000 Per Month
-
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.
-
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.
-
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.
-
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.
-
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.
-
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.
-
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.
-
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.
-
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.
-
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.
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.
FAQs
-
Can I do a SIP of 1000 per month?
Yes, you can easily start a
Systematic Investment Plan (SIP) with ₹1000 per month. Most fund houses allow this minimum amount for SIP investments.
-
Can I do a monthly SIP of 1000 twice in a month?
SIP is typically a fixed monthly instalment. If you want to invest twice in a month, you can set up two separate SIPs of ₹1000 each, as most fund houses allow flexible SIP frequencies.
-
Which SIP is best for 1000 per month?
Some of the best SIPs for 1000 per month are listed below:
-
HDFC Life- Discovery Fund
-
Kotak Life – Frontline Equity Fund
-
Bajaj Life – Pure Stock Fund
-
Quant Active Fund
-
Parag Parikh Flexi Cap Fund
-
What is the best way to invest Rs. 1000 per month?
The best way to invest Rs. 1000 per month depends on your individual circumstances and goals. However, here are a few general tips:
-
How to double 1000 rupees?
Doubling your 1000 rupees can be achieved through various methods:
-
What is the SIP of 1000 for 5 years?
A SIP of ₹1000 for 5 years means you will invest ₹1000 every month for a total period of 60 months. Over 5 years, you will have invested ₹60,000, and your returns will depend on the performance of the fund you choose. However, you can estimate your SIP returns from your chosen fund using a SIP Calculator; for example, if you invest in the Tata Flexi Growth Fund at an expected rate of 18%, you will earn Rs. 97,658 at the end of your maturity period.
-
Which cap is best for a SIP of 1000 per month?
For a ₹1000 per month SIP, large-cap funds are a safer choice as they invest in stable, well-established companies. You can also consider multi-cap or balanced funds for a mix of large, mid, and small-cap exposure, depending on your risk tolerance.
