Best SIP for 30 Years in India in 2025

Best SIP for 30 Years in India in 2025

The following table lists the best SIP plans for 30 years offered by various insurance companies and mutual fund houses: 

Details of the Best SIP Plan for 30 Years in India

Below are the details of the SIP plans by mutual fund houses for 30 years: 

1. Motilal Oswal Midcap Fund - Growth

   Investment Objective: To achieve long-term capital appreciation by investing in quality mid-cap companies having long-term competitive advantages and growth potential. The fund focuses on a diversified portfolio of equity mid-cap companies with solid business models and robust management.

   Parameters	Details
   Fund Name	Motilal Oswal Midcap Fund Regular-Growth
   NAV	₹ 103.41 (as on 4th November, 2025)
   AUM	₹33,608.53 Crs
   Expense Ratio	1.55%
   Return 5 Years	33.24%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹500
   Risk Level	Principal at very high risk
   Launch Date	24th February, 2014
   Asset Allocation	Equity: 91.01%, Debt: 6.84%, Others: 2.15%
   Top Sectors	Real Estate Materials Consumer Discretionary Industrials Financial Healthcare Technology
   Top Holdings	Reverse Repo/CBLO Dixon Technologies (India) Ltd Zomato Ltd Coforge Ltd Kalyan Jewellers India Ltd Persistent Systems Ltd One 97 Communications Ltd Trent Ltd Others CBLO Polycab India Ltd
   Fund Managers	Ajay Khandelwal Niket Shah Rakesh Shetty Sunil Sawant
   Fund Type	Open-ended

2. Quant ELSS Tax Saver Fund-Growth

   Investment Objective: To generate capital appreciation by investing predominantly in a well-diversified portfolio of equity shares with growth potential. The secondary objective is to provide dividend and other income. The fund is an ELSS scheme with tax benefits under Section 80C.

   Parameters	Details
   Fund Name	Quant ELSS Tax Saver Fund-Growth
   NAV	₹ 378.16 (as on 4th November, 2025)
   AUM	₹11,649.15 Crs
   Expense Ratio	1.65%
   Return 5 Years	26.29%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹500
   Risk Level	Principal at very high risk
   Launch Date	1st April, 2000
   Asset Allocation	Equity: 99.08%, Others: 0.92%
   Top Sectors	Energy & Utilities Financial Healthcare Materials Real Estate Consumer Discretionary Industrials Consumer Staples
   Top Holdings	Adani Power Ltd Reliance Industries Ltd Jio Financial Services Limited Larsen & Toubro Ltd Samvardhana Motherson International Ltd Life Insurance Corporation of India Aurobindo Pharma Ltd Tata Power Company Ltd Britannia Industries Ltd State Bank of India
   Fund Managers	Ankit A Pande Sanjeev Sharma Sandeep Tandon Varun Pattani Ayusha Kumbhat Sameer Kate Yug Tibrewal
   Fund Type	Open-ended

   

3. Invesco India Infrastructure Fund-Growth

   Investment Objective: To generate long-term capital appreciation by investing in a diversified portfolio of equity stocks of companies engaged in the infrastructure sector in India.​

   Parameters	Details
   Fund Name	Invesco India Infrastructure Fund-Growth
   NAV	₹ 63.79 (as on 4th November, 2025)
   AUM	₹1,569.37 Crs
   Expense Ratio	2.11%
   Return 5 Years	30.7%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
   Risk Level	Principal at very high risk
   Launch Date	21st November, 2007
   Asset Allocation	Equity: 99.29%, Others: 0.71%
   Top Sectors	Real Estate Consumer Discretionary Industrials Diversified Energy & Utilities Healthcare Materials Technology
   Top Holdings	Bharti Airtel Ltd Apollo Hospitals Enterprise Ltd Interglobe Aviation Ltd Delhivery Ltd ZF Commercial Vehicle Control Systems India Ltd Supreme Industries Ltd PTC Industries Ltd The Ramco Cements Ltd Power Grid Corporation of India Ltd Indian Railway Catering & Tourism Corporation Ltd
   Fund Managers	Amit Nigam Sagar Gandhi
   Fund Type	Open-ended

4. Kotak Infrastructure and Economic Reform Fund Standard-Growth

   Investment Objective: To generate long-term capital appreciation from a diversified portfolio of predominantly equity and equity-related securities of companies involved in economic development of India due to infrastructure and economic reforms.

   Parameters	Details
   Fund Name	Kotak Infrastructure and Economic Reform Fund Standard-Growth
   NAV	₹ 66.93 (as on 4th November, 2025)
   AUM	₹2,387.70 Crs
   Expense Ratio	1.99%
   Return 5 Years	30.61%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	25th February, 2008
   Asset Allocation	Equity: 99.41%, Others: 0.59%
   Top Sectors	Consumer Discretionary Industrials Energy & Utilities Financial Materials Real Estate Technology
   Top Holdings	Bharti Airtel Ltd Reliance Industries Ltd Larsen & Toubro Ltd Shree Cement Ltd Kalpataru Power Transmission Ltd Solar Industries India Ltd Ultratech Cement Ltd Bosch Ltd Mahindra Logistics Ltd VST Tillers Tractors Ltd
   Fund Managers	NA
   Fund Type	Open-ended

5. Nippon India Small Cap Fund - Growth

   Investment Objective: To generate long-term capital appreciation by investing predominantly in equity and equity-related instruments of small cap companies.

   Parameters	Details
   Fund Name	Nippon India Small Cap Fund - Growth
   NAV	₹ 171.63 (as on 4th November, 2025)
   AUM	₹65,922.00 Crs
   Expense Ratio	1.4%
   Return 5 Years	32.35%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	16th September, 2010
   Asset Allocation	Equity: 95.16%, Debt: 0.03%, Others: 4.81%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	Repo Multi Commodity Exchange Of India Ltd HDFC Bank Ltd Kirloskar Brothers Ltd Paradeep Phosphates Ltd Karur Vysya Bank Ltd Apar Industries Ltd Elantas Beck India Ltd State Bank of India NLC India Ltd
   Fund Managers	NA
   Fund Type	Open-ended

   

6. Tata Small Cap Fund Regular - Growth

   Investment Objective: To generate long-term capital growth by primarily investing in equity and equity-related instruments of small cap companies with strong balance sheets and growth potential.

   Parameters	Details
   Fund Name	Tata Small Cap Fund Regular - Growth
   NAV	₹ 39.15 (as on 4th November, 2025)
   AUM	₹11,576.03 Crs
   Expense Ratio	1.66%
   Return 5 Years	29.49%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	12th November, 2018
   Asset Allocation	Equity: 87.96%, Others: 11.95%
   Top Sectors	Energy & Utilities Consumer Discretionary Industrials Consumer Staples Diversified Financial Healthcare Materials Real Estate Technology
   Top Holdings	Cash/Net Current Assets Repo Sudarshan Chemical Industries Ltd Usha Martin Ltd IDFC First Bank Ltd Kirloskar Pneumatic Company Ltd BASF India Ltd Godrej Industries Ltd Time Technoplast Ltd Wockhardt Ltd
   Fund Managers	Chandraprakash Padiyar Jeetendra Khatri
   Fund Type	Open-ended

7. JM Flexicap Fund-Growth

   Investment Objective: To provide long-term capital appreciation by investing primarily in equity and equity-related securities across market capitalizations with a dynamic allocation strategy.

   Parameters	Details
   Fund Name	JM Flexicap Fund-Growth
   NAV	₹ 98.52 (as on 4th November, 2025)
   AUM	₹5,957.00 Crs
   Expense Ratio	1.78%
   Return 5 Years	25.63%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
   Risk Level	Principal at very high risk
   Launch Date	23rd September, 2008
   Asset Allocation	Equity: 98.97%, Debt: 0.11%, Others: 0.92%
   Top Sectors	Real Estate Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	ICICI Bank Ltd Godfrey Phillips India Ltd HDFC Bank Ltd Larsen & Toubro Ltd Tech Mahindra Ltd One 97 Communications Ltd Bharti Airtel Ltd Reliance Industries Ltd Maruti Suzuki India Ltd Hindustan Petroleum Corporation Ltd
   Fund Managers	Ruchi Fozdar Asit Bhandarkar Satish Ramanathan Deepak Gupta
   Fund Type	Open-ended

8. SBI Contra Fund-Growth

   Investment Objective: To generate long-term capital appreciation by investing in a diversified portfolio of equity securities using a contrarian investment strategy.

   Parameters	Details
   Fund Name	SBI Contra Fund-Growth
   NAV	₹ 393.14 (as on 4th November, 2025)
   AUM	₹46,947.01 Crs
   Expense Ratio	1.49%
   Return 5 Years	28.88%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	NA
   Asset Allocation	Equity: 89.66%, Debt: 5.59%, Others: 3.81%
   Top Sectors	Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology Consumer Discretionary
   Top Holdings	Repo Nifty Index 28-OCT-25 HDFC Bank Ltd Nifty Index 28-Aug-25 Reliance Industries Ltd ITC Ltd Kotak Mahindra Bank Ltd Tata Steel Ltd Punjab National Bank Biocon Ltd
   Fund Managers	Dinesh Balachandran Pradeep Kesavan
   Fund Type	Open-ended

9. HDFC Focused Fund Regular-Growth

   Investment Objective: To generate long-term capital appreciation/income by investing in equity and equity-related instruments of up to 30 companies.

   Parameters	Details
   Fund Name	HDFC Focused Fund Regular-Growth
   NAV	₹ 238.04 (as on 4th November, 2025)
   AUM	₹21,456.24 Crs
   Expense Ratio	1.62%
   Return 5 Years	28.66%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	17th September, 2004
   Asset Allocation	Equity: 85.54%, Debt: 0.22%, Others: 11.77%
   Top Sectors	Consumer Discretionary Industrials Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Repo ICICI Bank Ltd HDFC Bank Ltd Axis Bank Ltd State Bank of India Maruti Suzuki India Ltd HCL Technologies Ltd Kotak Mahindra Bank Ltd Cipla Ltd SBI Life Insurance Company Ltd
   Fund Managers	Roshi Jain Dhruv Muchhal
   Fund Type	Open-ended

10. Bandhan ELSS Tax Saver Fund Regular-Growth

    Investment Objective: To generate long-term capital growth from a diversified portfolio of predominantly equity and equity-related securities. It is an ELSS scheme with tax benefits under Section 80C.

    Parameters	Details
    Fund Name	Bandhan ELSS Tax Saver Fund Regular-Growth
    NAV	₹ 155.85 (as on 4th November, 2025)
    AUM	₹6,973.73 Crs
    Expense Ratio	1.75%
    Return 5 Years	22.74%
    Minimum Investment	SIP ₹1000 & Lumpsum ₹500
    Risk Level	Principal at very high risk
    Launch Date	26th December, 2008
    Asset Allocation	Equity: 95.82%, Debt: 0.03%, Others: 4.15%
    Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Real Estate Technology
    Top Holdings	HDFC Bank Ltd Reliance Industries Ltd ICICI Bank Ltd Reverse Repo Kotak Mahindra Bank Ltd Tata Consultancy Services Ltd Axis Bank Ltd State Bank of India Infosys Ltd Hero Motocorp Ltd
    Fund Managers	Daylynn Gerard Paul Pinto Ritika Behera Gaurav Satra
    Fund Type	Open-ended

How to Calculate Returns on Your SIPs? 

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.

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 ₹22.4 L

View Plans

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)

12.61%

Equity Pension

16.14%

Global Equity Index Funds Strategy

17.8%

High Growth Fund

15.5%

Pension India Consumption Fund

20.59%

Multi Cap Fund

14.53%

Accelerator Mid-Cap Fund II

15.97%

Multiplier

14.37%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

10.83%

Equity II Fund

13.87%

US Equity Fund

14.72%

Growth Opportunities Plus Fund

11.61%

Equity Top 250 Fund

13.74%

Future Apex Fund

11.47%

Pension Dynamic Equity Fund

14.02%

Accelerator Fund

Benefits to Invest in Best SIP for 30 Years

• Long-Term Wealth Growth: When you invest in a SIP for 30 years, your money has ample time to grow, and the power of compounding helps it multiply steadily over the long run.
• Rupee Cost Averaging: By making regular investments, you buy more units when prices are low and fewer units when prices are high, which helps you balance out the ups and downs of the market.
• Disciplined Savings Habit: Investing in an SIP encourages you to save regularly, helping you build a consistent savings habit that leads to better financial discipline.
• Higher Returns Potential: Since equity-based SIPs have the potential for higher growth over the long term, investing for 30 years increases the chances of earning better returns compared to short-term investments.
• Risk Mitigation: By spreading your investments over several years, you reduce the impact of market volatility and minimize the risks associated with short-term market fluctuations.
• Tax Benefits: If you choose SIPs in tax-saving investments like ULIP and ELSS, you can enjoy tax deductions under Section 80C, which helps you save on taxes while growing your wealth.
• Financial Security for the Future: Committing to a 30-year SIP ensures you have a reliable financial plan in place to meet long-term goals such as retirement, funding your children’s education, or purchasing a home.

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.

FAQs