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. ICICI Prudential Infrastructure Fund - Growth

   Objective: ICICI Prudential Infrastructure Fund seeks to generate capital appreciation and income distribution to unit holders by investing predominantly in equity/equity related securities of the companies belonging to the infrastructure theme.  

   Details of ICICI Prudential Infrastructure Fund-Growth:

   Parameters	Details
   Fund Name	ICICI Prudential Infrastructure Fund-Growth
   NAV	₹ 192.20 (as on 30th January, 2026)
   AUM	₹7,941.20 Crs
   Return 3 Years	28.79%
   Expense Ratio	1.85%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Fund Category	Equity
   Risk Level	Principal at very high risk
   Launch Date	31st August, 2005
   Fund Managers	Ihab Dalwai Sharmila D'Silva
   Top Sectors	Consumer Discretionary Industrials Energy & Utilities Financial Materials Real Estate Technology
   Top Holdings	Larsen & Toubro Ltd Interglobe Aviation Ltd Repo NTPC Ltd Adani Ports and Special Economic Zone Ltd Vedanta Ltd Reliance Industries Ltd NCC Ltd AIA Engineering Ltd Axis Bank Ltd
   Asset Allocation	Equity: 96.22%, Debt: 1.26%, Others: 1.88%

2. SBI PSU Fund-Growth

   Objective: SBI PSU Fund seeks to provide opportunities for long-term growth through an active management of investments in a diversified basket of equity stocks of domestic Public Sector Undertakings and in debt and money market instruments issued by PSUs and others.

   Details of SBI PSU Fund-Growth:

   Parameters	Details
   Fund Name	SBI PSU Fund-Growth
   NAV	₹ 34.92 (as on 31st January, 2026)
   AUM	₹5,278.16 Crs
   Return 3 Years	31.67%
   Expense Ratio	1.86%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Fund Category	Equity
   Risk Level	Principal at very high risk
   Launch Date	7th July, 2010
   Fund Managers	NA
   Top Sectors	Industrials Energy & Utilities Financial Materials
   Top Holdings	State Bank of India Bharat Electronics Ltd NTPC Ltd Power Grid Corporation of India Ltd GAIL (India) Ltd Bharat Petroleum Corporation Ltd Bank Of Baroda Repo NMDC Ltd Indian Bank
   Asset Allocation	Equity: 97.12%, Debt: 0.08%, Others: 2.8%

   

3. Motilal Oswal Midcap Fund Regular-Growth

   Objective: Motilal Oswal Midcap Fund seeks to achieve long term capital appreciation by investing in quality mid-cap companies having long-term competitive advantages and potential for growth.

   Details of Motilal Oswal Midcap Fund Regular-Growth:

   Parameters	Details
   Fund Name	Motilal Oswal Midcap Fund Regular-Growth
   NAV	₹ 92.02 (as on 30th January, 2026)
   AUM	₹33,608.53 Crs
   Return 3 Years	25.97%
   Expense Ratio	1.55%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹500
   Fund Category	Equity
   Risk Level	Principal at very high risk
   Launch Date	24th February, 2014
   Fund Managers	Ajay Khandelwal Niket Shah Rakesh Shetty Sunil Sawant
   Top Sectors	Real Estate Materials Consumer Discretionary Industrials Financial Healthcare Technology
   Top Holdings	Others CBLO Reverse Repo/CBLO Dixon Technologies (India) Ltd Persistent Systems Ltd Coforge Ltd Zomato Ltd Kalyan Jewellers India Ltd One 97 Communications Ltd Trent Ltd Polycab India Ltd
   Asset Allocation	Equity: 81.6%, Debt: 14.25%, Others: 4.15%

4. HDFC Infrastructure Fund Regular-Growth

   Objective: HDFC Infrastructure Fund aims to invest predominantly in a diversified portfolio of equity and equity related securities of companies which are either engaged in or expected to benefit from the growth and development of infrastructure. HDFC Infrastructure Fund may also invest up to 35% of the fund in non-infrastructure-related companies. HDFC Infrastructure Fund shall invest across all market capitalization.

   Details of HDFC Infrastructure Fund:

   Parameters	Details
   Fund Name	HDFC Infrastructure Fund Regular-Growth
   NAV	₹ 46.46 (as on 30th January, 2026)
   AUM	₹2,539.90 Crs
   Return 3 Years	28.21%
   Expense Ratio	2.04%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Fund Category	Equity
   Risk Level	Principal at very high risk
   Launch Date	10th March, 2008
   Fund Managers	Srinivasan Ramamurthy Dhruv Muchhal
   Top Sectors	Consumer Discretionary Industrials Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Repo ICICI Bank Ltd Larsen & Toubro Ltd HDFC Bank Ltd J Kumar Infraprojects Ltd Kalpataru Power Transmission Ltd Interglobe Aviation Ltd Reliance Industries Ltd Bharti Airtel Ltd NTPC Ltd
   Asset Allocation	Equity: 92.61%, Others: 4.89%

   

5. Quant Small Cap Fund-Growth

   Objective: Quant Small Cap Fund seeks to generate capital appreciation by investing in a well-diversified portfolio of small cap companies.

   Details of Quant Small Cap Fund-Growth:

   Parameters	Details
   Fund Name	Quant Small Cap Fund-Growth
   NAV	₹ 234.80 (as on 30th January, 2026)
   AUM	₹29,462.70 Crs
   Return 3 Years	23.91%
   Expense Ratio	1.59%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Fund Category	Equity
   Risk Level	Principal at very high risk
   Launch Date	24th November, 1996
   Fund Managers	Sanjeev Sharma Ankit A Pande Sandeep Tandon Varun Pattani Ayusha Kumbhat Sameer Kate Yug Tibrewal
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	Reliance Industries Ltd Repo Jio Financial Services Limited RBL Bank Ltd Aegis Logistics Ltd Adani Power Ltd MIDCAPNIFTY 30/12/2025 Sun TV Network Ltd Bikaji Foods International Ltd Anand Rathi Wealth Ltd
   Asset Allocation	Equity: 94.43%, Debt: 0.49%, Others: 5.08%

6. Canara Robeco Infrastructure Fund Regular-Growth

   Objective: Canara Robeco Infrastructure Fund seeks capital appreciation over the long term by investing in equities and equity related instruments of companies following the Infrastructure Theme.

   Details of Canara Robeco Infrastructure Fund Regular-Growth:

   Parameters	Details
   Fund Name	Canara Robeco Infrastructure Fund Regular-Growth
   NAV	₹ 155.98 (as on 30th January, 2026)
   AUM	₹917.06 Crs
   Return 3 Years	25.65%
   Expense Ratio	2.27%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Fund Category	Equity
   Risk Level	Principal at very high risk
   Launch Date	2nd December, 2005
   Fund Managers	Vishal Mishra Shridatta Bhandwaldar
   Top Sectors	Consumer Discretionary Industrials Diversified Energy & Utilities Financial Materials Real Estate Technology
   Top Holdings	Larsen & Toubro Ltd Reliance Industries Ltd Repo State Bank of India NTPC Ltd Bharat Electronics Ltd Interglobe Aviation Ltd GE T&D India Ltd Dixon Technologies (India) Ltd Tata Power Company Ltd
   Asset Allocation	Equity: 95.79%, Others: 4.21%

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)

13.2%

Equity Pension

16.3%

Global Blue Chip Anchor Strategy

18.4%

High Growth Fund

18.03%

US Growth Fund

20.97%

Multi Cap Fund

14.44%

Accelerator Mid-Cap Fund II

15.9%

Multiplier

14.92%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

11.41%

Equity II Fund

14.6%

US Equity Fund

15.48%

Growth Opportunities Plus Fund

12.02%

Equity Top 250 Fund

13.53%

Future Opportunity Fund

12.31%

Pension Dynamic Equity Fund

14.59%

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.