Best SIP Plans for 500 per Month

List of Best SIP Plans for 500 per Month in India in 2025

The following list is sorted as per the top-performing SIP for Rs. 500 per month:

Details of Some of the Best SIP Plans for 500 per Month

Here are details of some of the best SIP plans available for a monthly investment of ₹500 as of 2025:

1. HDFC Mid Cap Fund Regular-Growth

   The investment objective of the HDFC Mid Cap Fund Regular-Growth is to generate long-term capital appreciation by investing predominantly in equity and equity-related securities of mid-cap companies.

   Parameters	Details
   Fund Name	HDFC Mid Cap Fund Regular-Growth
   NAV	₹ 203.53 (as on 6th December, 2025)
   AUM	₹83,847.39 Crs
   Expense Ratio	1.34%
   Return 3 Years	25.7%
   Return 5 Years	29.27%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	25th June, 2007
   Asset Allocation	Equity: 93.94%, Others: 6.06%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Repo Max Financial Services Ltd Balkrishna Industries Ltd AU Small Finance Bank Ltd Indian Bank The Federal Bank Ltd Fortis Healthcare Ltd Coforge Ltd Glenmark Pharmaceuticals Ltd Ipca Laboratories Ltd
   Fund Managers	Chirag Setalvad Dhruv Muchhal
   Fund Type	Open-ended

2. Kotak Flexicap Fund Regular-Growth

   The investment objective of Kotak Flexicap Fund Regular-Growth is to generate long-term capital appreciation from a portfolio of equity and equity-related securities, generally focused on a few selected sectors. There is no assurance that the investment objective of the Scheme will be achieved.​

   Parameters	Details
   Fund Name	Kotak Flexicap Fund Regular-Growth
   NAV	₹ 87.12 (as on 5th December, 2025)
   AUM	₹53,293.04 Crs
   Expense Ratio	1.43%
   Return 3 Years	17.85%
   Return 5 Years	18.83%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	11th September, 2009
   Asset Allocation	Equity: 97.92%, Debt: 0.13%, Others: 1.95%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	ICICI Bank Ltd HDFC Bank Ltd Bharat Electronics Ltd State Bank of India Ultratech Cement Ltd Larsen & Toubro Ltd Jindal Steel & Power Ltd Zomato Ltd SRF Ltd Axis Bank Ltd
   Fund Managers	NA
   Fund Type	Open-ended

3. SBI Large Cap Fund-Growth

   The investment objective of SBI Large Cap Fund-Growth is to provide investors with opportunities for long-term growth in capital through active management of investments in a diversified basket of large-cap equity stocks as specified by SEBI/AMFI from time to time.

   Parameters	Details
   Fund Name	SBI Large Cap Fund-Growth
   NAV	₹ 96.09 (as on 5th December, 2025)
   AUM	₹53,030.39 Crs
   Expense Ratio	1.48%
   Return 3 Years	15.06%
   Return 5 Years	18.32%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	14th February, 2006
   Asset Allocation	Equity: 95.67%, Debt: 0.67%, Others: 3.65%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	HDFC Bank Ltd ICICI Bank Ltd Reliance Industries Ltd Larsen & Toubro Ltd Repo Eicher Motors Ltd Infosys Ltd Asian Paints Ltd Kotak Mahindra Bank Ltd Britannia Industries Ltd
   Fund Managers	Pradeep Kesavan Saurabh Pant
   Fund Type	Open-ended

   

4. Nippon India Large Cap Fund-Growth

   The investment objective of the Nippon India Large Cap Fund-Growth is to seek long-term capital appreciation by predominantly investing in equity and equity-related instruments of large-cap companies.

   Parameters	Details
   Fund Name	Nippon India Large Cap Fund-Growth
   NAV	₹ 94.20 (as on 5th December, 2025)
   AUM	₹44,164.76 Crs
   Expense Ratio	1.5%
   Return 3 Years	20.13%
   Return 5 Years	24.51%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	8th August, 2007
   Asset Allocation	Equity: 98.96%, Debt: 0.01%, Others: 1.03%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	HDFC Bank Ltd Reliance Industries Ltd ICICI Bank Ltd State Bank of India Axis Bank Ltd Larsen & Toubro Ltd ITC Ltd Bajaj Finance Ltd Infosys Ltd GE T&D India Ltd
   Fund Managers	Sailesh Raj Bhan Bhavik Dave
   Fund Type	Open-ended

5. ICICI Prudential Value Fund-Growth

   The investment objective of ICICI Prudential Value Fund-Growth is to generate returns through a combination of dividend income and capital appreciation by investing primarily in a well-diversified portfolio of value stocks. However, there is no assurance or guarantee that the investment objective of the Scheme would be achieved.​ 

   Parameters	Details
   Fund Name	ICICI Prudential Value Fund-Growth
   NAV	₹ 498.16 (as on 5th December, 2025)
   AUM	₹53,715.52 Crs
   Expense Ratio	1.51%
   Return 3 Years	22.28%
   Return 5 Years	25.94%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
   Risk Level	Principal at very high risk
   Launch Date	16th August, 2004
   Asset Allocation	Equity: 93.34%, Debt: 1.84%, Others: 4.82%
   Top Sectors	Financial Healthcare Consumer Discretionary Industrials Consumer Staples Energy & Utilities Materials Technology
   Top Holdings	ICICI Bank Ltd Reliance Industries Ltd Infosys Ltd HDFC Bank Ltd Repo Tata Consultancy Services Ltd Sun Pharmaceutical Industries Ltd Axis Bank Ltd State Bank of India Larsen & Toubro Ltd
   Fund Managers	Sankaran Naren Dharmesh Kakkad Sharmila D'Silva Masoomi Jhurmarvala
   Fund Type	Open-ended

6. Aditya Birla Sun Life Large Cap Fund Regular-Growth

   The investment objective of Aditya Birla Sun Life Large Cap Fund Regular-Growth is to seek long-term growth of capital through a portfolio with a target allocation of 100% equity. The fund invests in equity and equity-related securities, diversified across various industries, in line with the benchmark index, S&P BSE 200. The secondary objective is income generation and distribution of IDCW (Income Distribution cum Capital Withdrawal).​

   Parameters	Details
   Fund Name	Aditya Birla Sun Life Large Cap Fund Regular-Growth
   NAV	₹ 548.52 (as on 5th December, 2025)
   AUM	₹30,234.55 Crs
   Expense Ratio	1.63%
   Return 3 Years	16.19%
   Return 5 Years	18.88%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	30th August, 2002
   Asset Allocation	Equity: 98.08%, Debt: 0.76%, Others: 1.16%
   Top Sectors	Consumer Discretionary Industrials Diversified Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	HDFC Bank Ltd ICICI Bank Ltd Infosys Ltd Reliance Industries Ltd Larsen & Toubro Ltd Bharti Airtel Ltd Axis Bank Ltd Kotak Mahindra Bank Ltd Mahindra & Mahindra Ltd State Bank of India
   Fund Managers	Mahesh Patil Dhaval Joshi
   Fund Type	Open-ended

Factors to Consider Before Investing in Best SIP Plans for 500 per Month^~

Some important factors to consider before choosing the best SIP Plan for 500-per-month contributions in India are listed below:

1. Risk Tolerance:

   • This is how comfortable you are with the possibility of losing money on your investment. 

   • Equity SIPs offer potentially higher returns but come with more risk of short-term fluctuations. 

   • Debt SIPs are generally considered less risky but also offer lower returns.

2. Investment Goals:

   • Plan your investments as per your financial goals. 

   • A short-term goal (within 3 years), like a down payment on a gadget, might be better suited for a debt SIP investment. 

   • Long-term goals (5 years or more) like retirement could benefit from an equity SIP investment for potentially higher growth.

3. Investment Horizon:

   • Enquire for how long you want to stay invested in the best SIP Plan, as SIPs are meant for long-term investing. 

   • The longer the investment horizon, the more time you ride out market fluctuations and benefit from potential compounding returns in equity SIPs.

4. Expense Ratio:

   • This is a fee charged by the insurance company or mutual fund house to manage the SIP. 

   • Lower expense ratios mean more of your money goes towards investment.

5. Fund Performance:

   • Look at the fund's past performance, but remember past performance does not guarantee future results. 

   • Look for funds with a consistent track record of performing well compared to their benchmark index.

   • Make use of a SIP calculator to estimate your returns from the investments in the best SIP for 500 per month.

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)

13.18%

Equity Pension

15.49%

Global Equity Index Funds Strategy

19.07%

High Growth Fund

13.4%

Opportunities Fund

21.09%

Multi Cap Fund

14.39%

Accelerator Mid-Cap Fund II

15.84%

Multiplier

14.73%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

11.46%

Growth Plus Fund

14.82%

US Equity Fund

15.19%

Growth Opportunities Plus Fund

11.84%

Equity Top 250 Fund

14.24%

Future Apex Fund

12.17%

Pension Dynamic Equity Fund

14.64%

Pension Enhanced Equity

In Conclusion

Investing in the best SIP plans for Rs. 500 per month can be a great start to building long-term wealth. Look for SIP investments with low expense ratios and a proven track record of performance. Consider diversifying across different types of funds, such as equity, debt, or hybrid funds, based on your risk tolerance and financial goals. While the amount may seem modest, the discipline of regular investing can yield significant returns over time due to the power of compounding.