What are SIP Plans?
A SIP, or Systematic Investment Plan is a way to invest in market-linked funds in small and fixed amounts regularly—often monthly. These funds are offered by the mutual fund houses through the best mutual fund schemes in India. The insurance companies allow you to invest in the SIP plans under Unit Linked Insurance Plans (ULIPs), Annuity Plans, or Child Plans.
SIP investment helps you build wealth over time with the benefit of rupee-cost averaging, which reduces the impact of market ups and downs. SIPs are flexible; you can start with small amounts, increase contributions, or even pause them if needed. They are a convenient way to grow your savings and reach financial goals.
NOTE:
The ULIP funds offer the best SIP plans starting with a minimum amount of Rs. 1,000 per month. These plans provide you with high returns through market-linked investments along with a life cover for the financial security of your family.
- 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% |
|
List of Best SIP Plans for 500 per Month in India in 2025≈
The best SIPs to invest Rs. 500 per month in India, allow you to start investing regularly and benefit from the principle of compounding and rupee-cost averaging.
The following list is sorted as per the top-performing SIP for Rs. 500 per month for 5 years:
| SIP Investment in India |
Net Asset Value (NAV)* |
Fund Size (in Crores) |
3-Year Returns |
5-Year Returns |
10-Year Returns |
| Franklin India Feeder Franklin US Opportunities Direct Fund-Growth Plan |
₹68.67 |
₹3,616 Crores |
5.1% |
15.15% |
15.24% |
| Invesco India PSU Equity Fund Direct-Growth Plan |
₹67.65 |
₹859 Crores |
41.16% |
29.11% |
20.89% |
| Motilal Oswal Focused Fund Direct-Growth Plan |
₹49.5 |
₹1,804 Crores |
14.95% |
16.16% |
15.82% |
| Nippon India Index Fund S&P BSE Sensex Plan Direct-Growth Plan |
₹39.2 |
₹635 Crores |
16.29% |
14.85% |
13.32% |
| SBI Technology Opportunities Fund Direct-Growth Plan |
₹194.02 |
₹3,668 Crores |
17.88% |
22.38% |
18.56% |
| Tata Equity PE Fund Direct-Growth Plan |
₹351.4 |
₹7,301 Crores |
26.23% |
20.13% |
19.66% |
| UTI Value Fund Direct-Growth Plan |
₹151.92 |
₹8,578 Crores |
20.4% |
18.86% |
15.27% |
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
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
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:
-
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.
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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.
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Long-term goals (5 years or more) like retirement could benefit from an equity SIP investment for potentially higher growth.
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Investment Horizon:
-
Enquire for how long you want to stay invested in the best SIP Plan, as SIPs are meant for long-term investing.
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The longer the investment horizon, the more time you ride out market fluctuations and benefit from potential compounding returns in equity SIPs.
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Expense Ratio:
-
Fund Performance:
-
Look at the fund's past performance, but remember past performance does not guarantee future results.
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Look for funds with a consistent track record of performing well compared to their benchmark index.
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Make use of a SIP calculator to estimate your returns from the investments in the best SIP for 500 per month.
