SIP Plans for 1,000 Investment Per Month

SIPs are an excellent way for people on a budget to invest in market-linked markets and enjoy high returns. These investments require people to invest a certain amount periodically instead of a lump sum payment, which is then pooled and invested in the equity market. Now, you can invest in SIPs with as low as Rs. 1,000 per month and enjoy good returns per your risk profile and investment objective.

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Virtue II PNB Metlife 24.42% 17.87%
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Growth Opportunities Plus Fund Bharti AXA 22.7% 15.51%
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Updated as on September 2023

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Fund Name 3 Years 5 Years 10 Years
Large Cap Fund Nippon India 28.19% 13.65%
Bluechip Fund SBI 22.27% 12.54%
Cap Fund Edelweiss Large 20.66% 11.60%
Frontline Equity Fund Aditya Birla Sun Life 21.78% 11.52%
Bluechip Fund ICICI Prudential 23.32% 12.93%
Large Cap Fund Mirae Asset 19.26% 11.85%
Bluechip Equity Fund Canara Robeco 19.05% 13.37%
Bluechip Growth Kotak 20.86% 12.51%
Large Cap Fund Baroda BNP Paribas 19.70% 13.04%

Updated as on September 2023

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What Is SIP?

SIP stands for Systematic Investment Plan. It represents a type of investment, wherein you can invest a fixed sum weekly, monthly, or quarterly in high-performing market-linked financial instruments. These may include equities, stocks, bonds, debt securities, or a balanced mix of different funds per the risk profile of the investor. 

A major advantage of SIPs over lump sum investment is that it allows you to mitigate the risk of fluctuating market performance through rupee cost averaging. Since you are investing small amounts periodically, you have the option to see how your chosen fund is performing, based on which you can either choose to increase, decrease, stop your investment. 

Best SIP Plans For 1,000 Per Month

New and budding investors tend to wait until they have amassed a certain sum to start investing. This reduces their chances of capitalizing on the current market. With SIPs now starting at as low as Rs. 1000 per month, you should ideally start investing as soon as possible and then increase the investment amount as and when you earn more. 

The following table lists the best SIP Plans that require an investment of Rs. 1,000 per month along with a depiction of the type of fund and the risk profile. 

Fund Name Fund Type Risk Profile
Nippon India Large Cap Fund SIP Equity Fund Very High Risk
ICICI Prudential Blue Chip Fund SIP Equity Fund Very High Risk
Nippon India Liquid Fund SIP Liquid Fund Low interest rate risk and moderate Credit Risk
ICICI Prudential Liquid Fund SIP Liquid Fund Low to Moderate Risk
Motilal Oswal Focused 25 Fund SIP Equity Fund Very High Risk
Invesco India Liquid Fund SIP Liquid Fund Low to Moderate Risk
SBI Flexicap Fund SIP Equity Fund Very High Risk
Mirae Asset Tax Saver Fund SIP ELSS Fund Moderately High Risk
Aditya Birla Sun Life Digital India Fund SIP Equity Fund Very High Risk
Kotak Opportunities Fund SIP Equity Fund Very High Risk

Disclaimer: Policybazaar does not endorse, rate, or recommend any particular insurer or insurance product offered by an insurer.

How Much Corpus Can A Monthly SIP Of 1,000 Generate?

You can easily calculate returns from your SIP using Policybazaar’s simplified SIP Calculator. Here is an example of the total returns you can expect on investing in the best SIP plans for 1,000 per month. The rate of return is assumed to be 8% against the investment periods indicated. 

Investment Period Investment Amount (Rs. 1000/month) Assumed Rate of Return (Yearly) Total Returns Maturity Amount
5 years Rs. 60,000 8% Rs. 13,414 Rs. 73,414
10 years Rs. 1,20,000 8% Rs. 61,283 Rs. 1,81,283
15 years Rs. 1,80,000 8% Rs. 1,59,778 Rs. 3,39,778
20 years Rs. 2,40,000 8% Rs. 3,32,660 Rs. 5,72,660

How To Invest In The Best SIP Plans With Rs. 1000/Month?

Given that the amount of investment is low, you should ideally look at multiple metrics to pick the best plan. It is important to factor in your goals, risk appetite, investment objective, current financial situation, and investment horizon. Here is how you should go about selecting the best SIP plan for just Rs. 1,000 per month. 

  • The investment horizon should be sufficient for the power of compounding to work and show increased returns. 

  • Consider investing in stocks of companies that have been doing to keep the risk factor lower. As and when you understand how the equity market works, start diversifying your profile between companies of varying market capitalization. 

  • If you are a beginner, investing in blue-chip stocks may offer you the desired returns. These stocks belong to companies that have maintained a financial stronghold and shown consistent returns. 

  • Avoid investing in small-cap equity funds or penny stocks that are traded at low market prices. While the returns may be high for such investments, there is usually a high degree of risk involved. 

However, since Rs. 1000 per month is not a significant sum and if your goal is to learn while gradually getting into investments, you should take your chance on riskier stocks. 

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

Summing Up!

SIPs can be the gateway to market-linked investments for young investors. These plans are ideal if you want to mitigate the risk of market fluctuations while enjoying high returns. You can also choose to diversify your investments to balance out the risks. With SIPs available at just Rs. 1,000 per month, you can take advantage of the high returns from investing in market-linked financial instruments.

People Also Read: Systematic Withdrawal Plan (SWP)

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
Tax benefit is subject to changes in tax laws. Standard T&C Apply
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^10(10D) Tax benefit are for Investments made up to Rs.2.5 L/ yr and are subject to change as per tax laws.

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