- Insurance Companies
- Mutual Funds
|
Returns |
| Fund Name |
5 Years |
7 Years |
10 Years |
| Axis Max Life |
28.6% |
21.1% |
|
| Tata AIA Life |
26.76% |
21.54% |
|
| Bajaj Allianz |
20.57% |
12.93% |
|
| HDFC Life |
21.51% |
15.11% |
|
| ICICI Prudential Life |
20.5% |
- |
|
| Birla Sun Life |
22.41% |
15.02% |
|
| PNB MetLife |
20.6% |
16.63% |
|
| Canara HSBC Life |
15.67% |
10.62% |
|
| LIC India |
11.1% |
- |
|
| SBI Life |
17.14% |
12.26% |
|
Fund rating powered by
Last updated: Aug 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% |
|
Last updated: August 2025
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.
-
Best 15-Year Equity SIP Funds:
The best SIP plan for 15 years in equity fund investment is considered low in risk when compared to direct investment in stocks and considered lucrative in the long-term returns. Under Equity SIP funds, investments are generally made in shares of Indian companies.
| Fund Name |
3 Year Returns |
5 Year Returns |
10 Year Returns |
| Bandhan Small Cap Fund |
33.62% |
38.77% |
- |
| ICICI Prudential Infrastructure Fund |
32.73% |
39.53% |
17.51% |
| Motilal Oswal Midcap Fund |
32.48% |
38.27% |
18.94% |
| Motilal Oswal Large and Midcap Fund |
32.52% |
32.7% |
- |
| Franklin Build India Fund |
32.05% |
35.79% |
18.28% |
| ICICI Prudential BHARAT 22 FOF Fund |
30.74% |
34.19% |
- |
| HDFC Mid-Cap Opportunities Fund |
29.58% |
34.01% |
18.63% |
| Invesco India Smallcap Fund |
29.06% |
35.99% |
- |
| Quant Small Cap Fund |
28.25% |
49.07% |
20.38% |
| Nippon India Multi Cap Fund |
27.66% |
34.32% |
15.7% |
Details of the Best 15 Year Equity Funds
Below are the details of the best 15 year SIP plans:
-
Bandhan Small Cap Fund
Bandhan Small Cap Fund is an open-ended equity scheme investing primarily in small-cap stocks. It targets long-term capital growth by identifying high-potential small companies, making it suitable for investors with a high risk appetite and a minimum five-year horizon.
-
ICICI Prudential Infrastructure Fund
This fund focuses on companies in the infrastructure sector, including construction, energy, and capital goods. With a strong track record and diversified holdings, it aims for long-term growth, ideal for those seeking exposure to India’s infrastructure story.
-
Motilal Oswal Midcap Fund
Motilal Oswal Midcap Fund invests in quality mid-cap companies with sustainable competitive advantages. Known for its consistent outperformance and strong risk-adjusted returns, it is suitable for investors seeking long-term capital appreciation through mid-cap exposure.
-
Motilal Oswal Large and Midcap Fund
This fund blends investments in both large-cap and mid-cap companies, aiming to balance stability and growth. It seeks to deliver long-term capital appreciation by leveraging opportunities across market capitalizations, suitable for moderate to aggressive investors.
-
Franklin Build India Fund
Franklin Build India Fund focuses on sectors driving India’s infrastructure growth, such as construction, engineering, and allied industries. It offers potential for long-term wealth creation for investors willing to ride the infrastructure growth cycle.
-
ICICI Prudential BHARAT 22 FOF Fund
This fund of funds invests in the BHARAT 22 ETF, offering exposure to a diversified portfolio of government-owned and private sector companies across sectors like finance, energy, and industrials. It is suitable for investors seeking broad-based equity exposure.
-
HDFC Mid-Cap Opportunities Fund
HDFC Mid-Cap Opportunities Fund targets mid-cap companies with strong growth prospects. It offers a diversified portfolio and aims for long-term capital appreciation, making it suitable for investors with moderate to high risk tolerance.
-
Invesco India Smallcap Fund
This fund invests in small-cap stocks with high growth potential. It is designed for investors seeking significant long-term gains and willing to accept higher volatility associated with small-cap equities.
-
Quant Small Cap Fund
Quant Small Cap Fund focuses on identifying high-growth small-cap companies across sectors. It aims for superior long-term returns, appealing to aggressive investors with a high risk appetite and a long investment horizon.
-
Nippon India Multi Cap Fund
Nippon India Multi Cap Fund invests across large, mid, and small-cap stocks, providing diversified market exposure. It seeks to capture growth opportunities across segments, suitable for investors looking for balanced risk and return.
-
Best 15 Year Debt SIP Funds:
The best SIP plan for 15 years in debt funds are considered low risk taking funds. Under Debt SIP funds, investments are generally made in government bonds, money market instruments, corporate bonds, etc.
| Fund Name |
3 Year Returns |
5 Year Returns |
10 Year Returns |
| Aditya Birla Sun Life Medium Term Plan Fund |
15.68% |
14.36% |
9.48% |
| ICICI Prudential Gilt Fund |
9.44% |
7.21% |
8.87% |
| ICICI Prudential All Seasons Bond Fund |
9.37% |
7.78% |
9.05% |
| Nippon India Credit Risk Fund |
8.96% |
9.7% |
6.91% |
| ICICI Prudential Short Term Fund |
8.7% |
7.61% |
8.39% |
| ICICI Prudential Debt Management Fund |
8.47% |
7.22% |
8.23% |
| Aditya Birla Sun Life Short Term Direct Fund |
8.42% |
7.79% |
8.22% |
| ICICI Prudential Corporate Bond Fund |
8.32% |
7.18% |
7.97% |
| ICICI Prudential Banking & PSU Debt Fund |
8.24% |
7.14% |
8.05% |
Details of the Best 15 Year Debt Funds
Below are the details of the best 15 year SIP plans:
-
Aditya Birla Sun Life Medium Term Plan Fund
An open-ended debt fund investing in government and corporate bonds, maintaining a Macaulay duration of 3–4 years. Suitable for medium-term (3–5 years) investors seeking balanced risk-adjusted returns through active duration management.
-
ICICI Prudential Gilt Fund
This fund primarily invests in government securities and T-Bills with medium to long maturities, offering low credit risk but higher sensitivity to interest rate changes. Suitable for conservative investors seeking steady returns from sovereign debt.
-
ICICI Prudential All Seasons Bond Fund
A dynamic bond fund investing across short and long-term debt instruments, including government and corporate bonds. It aims for stable returns by adjusting portfolio duration based on market conditions, ideal for 2–4 year investment horizons.
-
Nippon India Credit Risk Fund
This credit risk fund invests mainly in lower-rated corporate bonds to generate higher yields, with a portion in government securities. It suits investors willing to accept higher credit risk for potentially better returns.
-
ICICI Prudential Short Term Fund
A short-term debt fund focusing on high-quality debt and money market instruments with lower interest rate risk. Designed for investors seeking reasonable returns and liquidity over a 1–3 year period.
-
ICICI Prudential Debt Management Fund
A diversified debt fund investing across various fixed-income securities, balancing yield, safety, and liquidity. Suitable for investors looking for regular income and moderate risk in their debt portfolio.
-
Aditya Birla Sun Life Short Term Direct Fund
This fund invests in a mix of short-term debt and money market instruments, targeting a Macaulay duration of 1–3 years. Best for investors seeking stable returns with low to moderate risk over a short investment horizon.
-
ICICI Prudential Corporate Bond Fund
A debt fund that predominantly invests in high-rated corporate bonds, aiming for higher yields than government securities with controlled credit risk. Suitable for investors seeking steady income with moderate risk.
-
ICICI Prudential Banking & PSU Debt Fund
This fund invests mainly in debt instruments issued by banks, public sector undertakings, and government entities. It offers relatively low credit risk and stable returns, ideal for conservative investors.
SIP Calculator
Monthly Investment
₹22.4 L
Top Funds with High Returns (Past 7 Years)
17.8%
High Growth Fund
20.35%
India Consumption Fund
15.08%
Accelerator Mid-Cap Fund II
15.24%
Global Equity Index Funds Strategy
15.5%
Pension India Consumption Fund
15.79%
Multiplier
15.41%
Virtue II
11.12%
Growth Plus Fund
14.02%
Accelerator Fund
11.51%
Pension Dynamic Equity Fund
14.45%
Frontline Equity Fund
12.62%
Equity Pension
11.77%
Equity Top 250 Fund
14.89%
Growth Opportunities Plus Fund
13.78%
Future Apex Fund
13.87%
US Equity Fund
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.
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.
