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:
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ICICI Prudential Infrastructure Fund
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:
| Expense ratio |
1.14% as on May 31, 2025 |
| Exit load |
1.0% |
| AUM (Fund size) |
₹7,416 Crs |
| Lock-in |
No Lockin |
| Benchmark |
BSE India Infrastructure TRI |
| Min. investment |
SIP ₹500 |
| Risk |
Very High |
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SBI PSU Fund
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:
| Expense ratio |
0.81% as on May 31, 2025 |
| Exit load |
0.5% |
| AUM (Fund size) |
₹5,035 Crs |
| Lock-in |
No Lockin |
| Benchmark |
BSE PSU TRI |
| Min. investment |
SIP ₹500 & Lump. ₹5000 |
| Risk |
Very High |
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Motilal Oswal Midcap Fund
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:
| Expense ratio |
0.7% as on May 31, 2025 |
| Exit load |
1.0% |
| AUM (Fund size) |
₹27,780 Crs |
| Lock-in |
No Lockin |
| Benchmark |
NIFTY Midcap 150 TRI |
| Min. investment |
SIP ₹500 & Lump. ₹1000 |
| Risk |
Very High |
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HDFC Infrastructure Fund
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:
| Expense ratio |
1.02% as on May 31, 2025 |
| Exit load |
1.0% |
| AUM (Fund size) |
₹2,392 Crs |
| Lock-in |
No Lockin |
| Benchmark |
BSE India Infrastructure TRI |
| Min. investment |
SIP ₹500 & Lump. ₹1000 |
| Risk |
Very High |
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Aditya Birla Sun Life PSU Equity Fund
Objective: Aditya Birla Sun Life PSU Equity Fund seeks to provide long term capital appreciation by investing in equity and equity related instruments of Public Sector Undertakings (PSUs).
Details of Aditya Birla Sun Life PSU Equity Fund:
| Expense ratio |
0.53% as on May 31, 2025 |
| Exit load |
1.0% |
| AUM (Fund size) |
₹5,391 Crs |
| Lock-in |
No Lockin |
| Benchmark |
BSE PSU TRI |
| Min. investment |
SIP ₹500 & Lump. ₹1000 |
| Risk |
Very High |
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Bandhan Infrastructure Fund
Objective: Bandhan Infrastructure Fund seeks to generate long-term capital growth through an active diversified portfolio of predominantly equity and equity related instruments of companies that are participating in and benefiting from growth in Indian infrastructure and infrastructural related activities.
Details of Bandhan Infrastructure Fund:
| Expense ratio |
0.85% as on May 31, 2025 |
| Exit load |
0.5% |
| AUM (Fund size) |
₹1,577 Crs |
| Lock-in |
No Lockin |
| Benchmark |
BSE India Infrastructure TRI |
| Min. investment |
SIP ₹500 & Lump. ₹1000 |
| Risk |
Very High |
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Quant Small Cap Fund
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:
| Expense ratio |
0.66% as on May 31, 2025 |
| Exit load |
1.0% |
| AUM (Fund size) |
₹26,222 Crs |
| Lock-in |
No Lockin |
| Benchmark |
NIFTY Smallcap 250 TRI |
| Min. investment |
SIP ₹1000 & Lump. ₹5000 |
| Risk |
Very High |
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Nippon India Power & Infra Fund
Objective: Nippon India Power & Infra Fund seeks long term capital appreciation by investing in equity/equity related instruments of the companies that are engaged in or allied to the power and infrastructure space in India.
Details of Nippon India Power & Infra Fund:
| Expense ratio |
0.95% as on May 31, 2025 |
| Exit load |
1.0% |
| AUM (Fund size) |
₹7,026 Crs |
| Lock-in |
No Lockin |
| Benchmark |
NIFTY Infrastructure TRI |
| Min. investment |
SIP ₹500 & Lump. ₹5000 |
| Risk |
Very High |
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Franklin Build India Fund
Objective: Franklin Build India Fund aims to generate capital appreciation by investing in companies engaged either directly or indirectly in infrastructure related activities. Infrastructure related activities include development, operations, management and maintenance of various infrastructures such as transportation, energy, resources & other infrastructure.
Details of Franklin Build India Fund:
| Expense ratio |
0.95% as on May 31, 2025 |
| Exit load |
1.0% |
| AUM (Fund size) |
₹2,726 Crs |
| Lock-in |
No Lockin |
| Benchmark |
BSE India Infrastructure TRI |
| Min. investment |
SIP ₹500 & Lump. ₹5000 |
| Risk |
Very High |
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Canara Robeco Infrastructure Fund
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:
| Expense ratio |
0.99% as on May 31, 2025 |
| Exit load |
1.0% |
| AUM (Fund size) |
₹837 Crs |
| Lock-in |
No Lockin |
| Benchmark |
BSE India Infrastructure TRI |
| Min. investment |
SIP ₹1000 & Lump. ₹5000 |
| Risk |
Very High |
SIP Calculator
Monthly Investment
₹22.4 L
Top Funds with High Returns (Past 7 Years)
17.8%
High Growth Fund
19.99%
India Consumption Fund
14.82%
Accelerator Mid-Cap Fund II
14.5%
Opportunities Fund
12.66%
Opportunities Fund
15.52%
Multiplier
14.99%
Virtue II
10.73%
Equity II Fund
13.74%
Accelerator Fund
11.33%
Pension Dynamic Equity Fund
14.22%
Frontline Equity Fund
12.41%
Equity Pension
11.57%
Equity Top 250 Fund
14.68%
Growth Opportunities Plus Fund
13.47%
Future Apex Fund
11.65%
US Equity 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 2025 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.
