Best SIP Plans for 15 Years

Top Performing SIP Funds for 15 Years

Choosing the right mutual fund for your SIP is crucial. While past performance is not indicative of future results, it can provide some insights. 

Details of Best SIP Plans for 15 Years

Below is a detailed overview of the best SIP plans for 15 years: 

1. Parag Parikh Flexi Cap Fund Direct-Growth

   The Parag Parikh Flexi Cap Fund Direct-Growth aims to generate long-term capital appreciation by investing predominantly in equity and equity-related securities across market capitalizations, with a flexible approach to allocation across large, mid, and small-cap stocks.

   Parameters	Details
   NAV	₹ 95.25 (as on 25th October, 2025)
   AUM	₹113,280.87 Crs
   Expense Ratio	0.63%
   Return 10 Years	18.87%
   Return Since Launch	19.74%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
   Risk Level	Principal at very high risk
   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
   Fund Type	Open-ended

2. DSP Flexi Cap Fund Direct Plan-Growth

   The DSP Flexi Cap Fund Direct Plan-Growth seeks to generate long-term capital appreciation, from a portfolio which is substantially constituted of equity and equity related securities and may also invest a portion in debt and money market securities to meet liquidity requirements. The investment approach focuses on selecting both value and growth opportunities.

   Parameters	Details
   NAV	₹ 117.25 (as on 28th October, 2025)
   AUM	₹11,852.11 Crs
   Expense Ratio	0.66%
   Return 10 Years	15.45%
   Return Since Launch	15.54%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	1st January, 2013
   Asset Allocation	Equity: 98.76%, Others: 1.24%
   Top Sectors	Real Estate Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Bajaj Finance Ltd ICICI Bank Ltd HDFC Bank Ltd Axis Bank Ltd State Bank of India Coforge Ltd Reverse Repo Samvardhana Motherson International Ltd Cholamandalam Investment & Finance Company Ltd Cipla Ltd
   Fund Managers	NA
   Fund Type	Open-ended

3. PGIM India Flexi Cap Fund Direct-Growth

   The PGIM India Flexi Cap Fund Direct-Growth actively manages a diversified portfolio of strong growth companies with sustainable business models. Its goal is to generate long-term wealth by investing in a diversified portfolio of growth stocks across large-cap, mid-cap, and small-cap segments, including other equity-related instruments and derivatives. Risk is mitigated through disciplined portfolio diversification across industries, sectors, and market capitalisations.

   Parameters	Details
   NAV	₹ 43.99 (as on 28th October, 2025)
   AUM	₹6,271.27 Crs
   Expense Ratio	0.43%
   Return 10 Years	15.51%
   Return Since Launch	14.79%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	4th March, 2015
   Asset Allocation	Equity: 97.03%, Debt: 3.22%, Others: -0.25%
   Top Sectors	Financial Healthcare Materials Real Estate Technology Consumer Discretionary Industrials Consumer Staples Energy & Utilities
   Top Holdings	HDFC Bank Ltd ICICI Bank Ltd Reliance Industries Ltd Zomato Ltd Bharti Airtel Ltd Tata Consultancy Services Ltd Varun Beverages Ltd TVS Motor Company Ltd Interglobe Aviation Ltd Dixon Technologies (India) Ltd
   Fund Managers	Puneet Pal Vinay Paharia Anandha Padmanabhan Anjeneyan Vivek Sharma
   Fund Type	Open-ended

4. Canara Robeco Large and Mid Cap Fund Direct-Growth

   The investment objective of Canara Robeco Large and Mid Cap Fund Direct-Growth is to generate capital appreciation by investing in a diversified portfolio of large and mid-cap stocks.

   Parameters	Details
   NAV	₹ 300.87 (as on 28th October, 2025)
   AUM	₹25,550.61 Crs
   Expense Ratio	0.56%
   Return 10 Years	16.66%
   Return Since Launch	20.33%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	2nd January, 2013
   Asset Allocation	Equity: 97.06%, Others: 2.94%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Real Estate Technology
   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
   Fund Type	Open-ended

   

5. Quant Multi Cap Fund Direct-Growth

   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.

   Parameters	Details
   NAV	₹ 688.56 (as on 28th October, 2025)
   AUM	₹9,631.80 Crs
   Expense Ratio	0.61%
   Return 10 Years	18.37%
   Return Since Launch	19%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	NA
   Asset Allocation	Equity: 97.75%, Debt: 1.95%, Others: 0.3%
   Top Sectors	Energy & Utilities Financial Materials Industrials Consumer Staples Healthcare Real Estate Technology Consumer Discretionary
   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
   Fund Type	Open-ended

6. Kotak Large & Midcap Fund Direct-Growth

   The fund aims for long-term capital growth by investing predominantly in a portfolio of equity and equity-related securities of large and mid-cap companies, taking opportunities across sectors based on the performance and potential of companies within those sectors.

   Parameters	Details
   NAV	₹ 406.50 (as on 28th October, 2025)
   AUM	₹28,084.13 Crs
   Expense Ratio	0.53%
   Return 10 Years	16.84%
   Return Since Launch	17.45%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	NA
   Asset Allocation	Equity: 97.38%, Debt: 0.37%, Others: 2.26%
   Top Sectors	Materials Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare 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
   Fund Type	Open-ended

Why Invest in the Best SIP Plan for 15 Years?

Best SIP Plan for 15 years investment horizon offers several advantages when using SIPs:

• Rupee Cost Averaging: SIPs help you buy more units when the market is down and fewer units when the market is high, averaging out your purchase cost over time. This mitigates the risk of investing a lump sum at a market peak.

• Power of Compounding: Over 15 years, the power of compounding comes into play significantly. Your earnings generate further earnings, leading to exponential growth of your investment.

• Disciplined Investing: SIPs instill financial discipline by automating your investments. You invest regularly without having to worry about timing the market.

• Long-Term Growth Potential: Equity markets have historically delivered strong returns over the long term. A 15-year horizon allows you to ride out market volatility and potentially benefit from this growth.

How Do the Best SIP Plans for 15 Years Work?

Suppose you invest ₹5,000 every month in a mutual fund SIP for 15 years. Assuming an average annual return of 12%, you can use an SIP calculator to estimate your maturity amount.

Monthly SIP Amount: ₹5,000

Investment Tenure: 15 years (180 months)

Assumed Annual Return: 12%

Based on these inputs, your total investment over 15 years would be ₹9,00,000. With the power of compounding at 12% per annum, your estimated maturity amount could be around ₹25–27 lakh.

This example shows how regular, disciplined investing through SIPs can help you build significant wealth over the long term, leveraging the power of compounding. Actual returns may vary depending on market performance.

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

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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)

12.5%

Equity Pension

16.14%

Global Equity Index Funds Strategy

17.8%

High Growth Fund

15.5%

Pension India Consumption Fund

20.6%

Multi Cap Fund

14.47%

Accelerator Mid-Cap Fund II

15.69%

Multiplier

14.25%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

10.77%

Equity II Fund

13.87%

US Equity Fund

14.57%

Growth Opportunities Plus Fund

11.51%

Equity Top 250 Fund

13.6%

Future Apex Fund

11.3%

Pension Dynamic Equity Fund

13.89%

Accelerator Fund

Factors to Consider When Choosing the Best SIP Plan for 15 Years

Below are the things that you should consider before choosing the best SIP plan for 15 years in 2025: 

• Investment Goal: Define your financial goal for the 15-year period. Is it retirement, a house, or education?

• Risk Tolerance: Assess your risk appetite. Equity funds offer higher growth potential but also carry higher risk.

• Fund Manager's Track Record: Research the fund manager's experience and the fund's past performance (keeping in mind that past performance is not indicative of future results).

• Expense Ratio: Consider the expense ratio charged by the fund, as it can affect your overall returns.

• Fund Category: Choose a fund category that aligns with your risk profile and investment goals (e.g., large-cap, mid-cap, small-cap, flexi-cap).

Conclusion

Investing in the best SIP plans for a long-term horizon like 15 years can be a rewarding way to build wealth. By investing regularly and staying disciplined, you can potentially benefit from rupee cost averaging and the power of compounding. However, it's crucial to choose the right mutual fund based on your investment goals, risk tolerance, and other factors. Remember that past performance is not indicative of future results, and it's always advisable to consult with a qualified financial advisor before making any investment decisions.