Meaning of a SIP Plan
A Systematic Investment Plan (SIP) is a smart and disciplined way of investing in market-linked investments like Unit Linked Insurance Plans (ULIP) and mutual funds over the long term. You contribute a fixed amount regularly, usually every month or quarter, allowing your investment to grow steadily.
By investing in the best SIP for 30 years, you benefit from the power of compounding, where even smaller contributions can build up into substantial wealth over time. It also helps you deal with market ups and downs, as regular investments balance out fluctuations. Simply put, a 30-year SIP is an easy, effective way to grow your wealth while managing risks.
- Insurance Companies
- Mutual Funds
|
Returns |
| Fund Name |
5 Years |
7 Years |
10 Years |
| Max Life |
27.23% |
21.07% |
|
| Tata AIA |
30.99% |
21.69% |
|
| Bajaj Allianz |
24.23% |
12.8% |
|
| HDFC Standard |
25.77% |
14.87% |
|
| Canara HSBC Oriental Bank |
17.51% |
10.29% |
|
| Bharti AXA |
23.03% |
15.02% |
|
| Birla Sun Life |
26.67% |
14.18% |
|
| ICICI Prudential |
22.68% |
13.38% |
|
| LIC |
- |
- |
|
| PNB Metlife |
24% |
16.86% |
|
Fund rating powered by
Last updated: May 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% |
|
Best SIP for 30 Years in India in 2025~
The following table lists the best SIP investment offered by various insurance companies and mutual fund houses:
-
Insurance Companies
| Fund Name |
1 Year Returns |
3 Years Returns |
5 Years Returns |
| Accelerator Mid-Cap Fund II BAJAJ ALLIANZ |
46.2% |
21.6% |
24.7% |
| Discovery Fund HDFC LIFE |
48.2% |
21.8% |
32.4% |
| Future Apex Fund FUTURE GENERALI |
29.2% |
17.2% |
22.8% |
| Growth Opportunities Plus Fund BHARATI AXA |
35.7% |
17% |
22.6% |
| High Growth Fund MAX LIFE |
57.8% |
27.8% |
29.7% |
| Mid Cap Fund ICICI PRU LIFE |
50.7% |
– |
– |
| Mid Cap Fund PNB METLIFE |
57.6% |
32.3% |
32.8% |
| Multiplier Fund ADITYA BIRLA LIFE |
41.3% |
23.4% |
26.2% |
| Nifty Mid Cap 50 Correlation Fund PRAMERICA LIFE |
45.1% |
– |
– |
| Whole Life Mid Cap Equity Fund TATA AIA |
44.6% |
23.5% |
29.4% |
Disclaimer: ≈ Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is done in alphabetical order (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
*Updated as of September 2024
-
Mutual Funds
| Fund Name |
1 Year Returns |
3 Years Returns |
5 Years Returns |
| Active Fund MOTILAL OSWAL |
62.40% |
38.70% |
36.10% |
| Contra Fund SBI |
44.70% |
29.70% |
33.90% |
| ELSS Tax Saver Fund BANDHAN |
33.50% |
21.40% |
27.20% |
| ELSS Tax Saver Fund QUANT ACTIVE |
48.10% |
26.60% |
38.80% |
| Flexicap Fund JM |
61.50% |
30.10% |
29.80% |
| Focused 30 Fund HDFC |
44.10% |
29.30% |
26.60% |
| Infrastructure and Economic Reform Fund KOTAK |
56.30% |
33.40% |
32.80% |
| Infrastructure Fund INVESCO INDIA |
67.60% |
33.50% |
35.70% |
| Small Cap Fund NIPPON INDIA |
46.90% |
33.20% |
40.30% |
| Small Cap Fund TATA |
48.60% |
30.60% |
37.20 |
Disclaimer: ≈ Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is done in alphabetical order (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
*Updated as of September 2024
SIP Calculator
Monthly Investment
₹22.4 L
Top Funds with High Returns (Past 7 Years)
18.4%
High Growth Fund
17.46%
Top 200 Fund
14.57%
Accelerator Mid-Cap Fund II
14.81%
Opportunities Fund
10.58%
Growth Plus Fund
13.35%
Accelerator Fund
14.61%
Growth Opportunities Plus Fund
15.6%
Multiplier
11.48%
Equity Top 250 Fund
13.31%
Future Apex Fund
12.32%
Opportunities Fund
14.24%
Frontline Equity Fund
15.03%
Virtue II
10.88%
Pension Dynamic Equity Fund
11.8%
Equity Fund
10.32%
Blue-Chip Equity Fund
SIP Calculator -Online
A SIP calculator is an online tool designed to help you estimate the returns on your investments over a specific period. When investing in a SIP for 30 years, the calculator allows you to insert variables such as the monthly investment amount, the expected rate of return, and the duration of the investment. The SIP return calculator then provides an approximate value of your corpus at the end of the investment period.
This helps you to plan your financial goals more effectively by giving you a clearer picture of how your small, regular contributions can grow significantly over the long term due to the power of compounding.
Wrapping Up!
Investing in SIPs for 30 years offers a solid way to build long-term wealth. The power of compounding, combined with consistent investments, can help you achieve your financial goals. Choose funds that align with your risk profile and objectives, and stay invested through market ups and downs for the best results.
