Best SIP Plans for 3 Years 2026

Best SIPs to Invest in 2026 for 3 Years

Details of the Best SIP Plans for 3 Years

Below are the details of the best SIP plans you can invest in for 3 years: 

1. Motilal Oswal Gold and Silver ETFs FoF Direct - Growth

   Parameters	Details
   Fund Name	Motilal Oswal Gold and Silver Passive FoF Direct - Growth
   NAV	₹ 31.38 (as on 6th February, 2026)
   AUM	₹426.41 Crs
   Expense Ratio	0.14%
   Return 5 Years	N/A
   Minimum Investment	SIP ₹1000 & Lumpsum ₹500
   Risk Level	Principal at very high risk
   Launch Date	13th October, 2022
   Asset Allocation	Debt: 1.69%, Others: -1.2%, Commodities: 99.52%
   Top Sectors	NA
   Top Holdings	ICICI Prudential Gold Exchange Traded Fund IDCW Motilal Oswal Gold ETF-Growth Motilal Oswal Silver ETF-Growth Nippon India Silver ETF - Growth Others CBLO Reverse Repo/CBLO Net Payables
   Fund Managers	Rakesh Shetty Swapnil P Mayekar
   Fund Type	Open-ended

2. Axis Silver FoF Fund Direct - Growth

   Parameters	Details
   Fund Name	Axis Silver FoF Direct-Growth
   NAV	₹ 40.61 (as on 6th February, 2026)
   AUM	₹176.82 Crs
   Expense Ratio	0.16%
   Return 5 Years	N/A
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	21st September, 2022
   Asset Allocation	Debt: 3.75%, Others: -2.75%, Commodities: 99%
   Top Sectors	NA
   Top Holdings	Axis Silver ETF Regular-Growth Others CBLO Net Payables
   Fund Managers	Pratik Tibrewal Aditya Pagaria
   Fund Type	Open-ended

3. ICICI Prudential Silver ETF FoF Fund Direct - Growth

   Parameters	Details
   Fund Name	ICICI Prudential Silver ETF FoF Direct - Growth
   NAV	₹ 35.95 (as on 6th February, 2026)
   AUM	₹1,834.84 Crs
   Expense Ratio	0.12%
   Return 5 Years	N/A
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	1st February, 2022
   Asset Allocation	Others: 1.13%, Commodities: 98.87%
   Top Sectors	NA
   Top Holdings	ICICI Prudential Silver ETF - Growth Repo Net Payables
   Fund Managers	Manish Banthia Nishit Patel
   Fund Type	Open-ended

4. Edelweiss Gold and Silver ETF FoF Fund Direct - Growth

   Parameters	Details
   Fund Name	Edelweiss Gold and Silver ETF FoF Direct - Growth
   NAV	₹ 34.91 (as on 7th February, 2026)
   AUM	₹469.17 Crs
   Expense Ratio	0.24%
   Return 5 Years	N/A
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	14th September, 2022
   Asset Allocation	Debt: 1.47%, Others: -0.05%, Commodities: 98.58%
   Top Sectors	NA
   Top Holdings	Edelweiss Gold ETF - Growth Edelweiss Silver ETF - Growth Others CBLO Cash Net Payables
   Fund Managers	Bhavesh Jain Bharat Lahoti
   Fund Type	Open-ended

   
   
   

5. Aditya Birla Sun Life Silver ETF FoF Fund Direct - Growth

   Parameters	Details
   Fund Name	Aditya Birla Sun Life Silver ETF FoF Direct-Growth
   NAV	₹ 36.46 (as on 6th February, 2026)
   AUM	₹321.28 Crs
   Expense Ratio	0.3%
   Return 5 Years	N/A
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	2nd February, 2022
   Asset Allocation	Others: 0.57%, Commodities: 99.43%
   Top Sectors	NA
   Top Holdings	Aditya Birla Sun Life Silver ETF-Growth Reverse Repo Net Payables
   Fund Managers	NA
   Fund Type	Open-ended

6. SBI Gold Fund Direct - Growth

   Parameters	Details
   Fund Name	SBI Gold Fund-Growth
   NAV	₹ 44.16 (as on 6th February, 2026)
   AUM	₹4,739.69 Crs
   Expense Ratio	0.35%
   Return 5 Years	17.56%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	12th September, 2011
   Asset Allocation	Others: 1.27%, Commodities: 98.73%
   Top Sectors	NA
   Top Holdings	SBI ETF Gold Repo Net Payables
   Fund Managers	Pradeep Kesavan Raviprakash Sharma
   Fund Type	Open-ended

7. UTI Gold ETF FoF Fund Direct - Growth

   Parameters	Details
   Fund Name	UTI Gold ETF FoF Direct - Growth
   NAV	₹ 29.12 (as on 6th February, 2026)
   AUM	₹322.01 Crs
   Expense Ratio	0.19%
   Return 5 Years	N/A
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	28th October, 2022
   Asset Allocation	Others: 0.99%, Commodities: 99.01%
   Top Sectors	NA
   Top Holdings	UTI Gold Exchange Traded Fund Net Current Assets Net Payables
   Fund Managers	Sharwan Kumar Goyal Ayush Jain
   Fund Type	Open-ended

   
   
   

8. HDFC Silver ETF FoF Fund Direct - Growth

   Parameters	Details
   Fund Name	HDFC Silver ETF FoF Direct - Growth
   NAV	₹ 38.89 (as on 6th February, 2026)
   AUM	₹516.79 Crs
   Expense Ratio	0.23%
   Return 5 Years	N/A
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	28th October, 2022
   Asset Allocation	Others: 1.45%, Commodities: 98.55%
   Top Sectors	NA
   Top Holdings	HDFC Silver ETF Regular - Growth Repo Net Payables
   Fund Managers	Arun Agarwal Nandita Menezes
   Fund Type	Open-ended

9. Nippon India Silver ETF FoF Fund Direct - Growth

   Parameters	Details
   Fund Name	Nippon India Silver ETF FoF Direct - Growth
   NAV	₹ 35.82 (as on 6th February, 2026)
   AUM	₹1,025.65 Crs
   Expense Ratio	0.27%
   Return 5 Years	N/A
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	2nd February, 2022
   Asset Allocation	Debt: 0.01%, Others: 0.63%, Commodities: 99.36%
   Top Sectors	NA
   Top Holdings	Nippon India Silver ETF - Growth Repo Others Mrgn Money Net Payables
   Fund Managers	NA
   Fund Type	Open-ended

What are the Benefits of Investing in Best SIP Plans for 3 Years?

1. Disciplined Investing

   SIPs encourage regular and systematic investing by requiring fixed contributions at set intervals, helping investors build a habit of regular saving and avoid impulsive decisions.

2. Rupee Cost Averaging

   By investing a fixed amount regularly, SIPs allow investors to buy more units when prices are low and fewer when prices are high, effectively averaging out the investment cost and reducing the impact of market volatility.

3. Power of Compounding

   Regular investments over time enable the compounding of returns, where the earnings themselves generate further returns, significantly boosting wealth creation in the long run.

4. Affordability and Flexibility

   SIPs can be started with small amounts (as low as ₹100 or ₹500 per month), making them available to a wide range of investors. They also offer flexibility to increase, decrease, pause, or stop contributions as needed.

5. Diversification

   SIPs typically invest in diversified mutual funds, spreading investments across various assets or sectors, which helps reduce risk and enhances return potential.

6. Professional Management

   Investors benefit from the expertise of professional fund managers who manage the mutual fund portfolios, making informed decisions to optimize returns and manage risks.

7. Convenience

   SIPs offer hassle-free investing with features like auto-debit from bank accounts, saving time and effort for investors and ensuring commitment to investment goals.

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 ₹1.03 Cr

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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)

13.47%

Equity Pension

16.3%

Global Blue Chip Anchor Strategy

18.4%

High Growth Fund

18.03%

US Growth Fund

21.27%

Multi Cap Fund

14.79%

Accelerator Mid-Cap Fund II

15.9%

Multiplier

15.14%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

11.78%

Growth Plus Fund

14.6%

US Equity Fund

15.75%

Growth Opportunities Plus Fund

12.24%

Equity Top 250 Fund

14.6%

Future Apex Fund

12.61%

Pension Dynamic Equity Fund

14.87%

Accelerator Fund

Conclusion

For a 3-year investment horizon, the best SIP plans include a mix of equity, debt, and hybrid funds, offering strong annualized returns and portfolio diversification. Top performers for 2026 feature funds like SBI PSU Direct Plan, Motilal Oswal Midcap Fund, etc, each catering to different risk profiles and financial goals. Careful selection based on your objectives and risk appetite can help maximize returns in the short-to-medium term.