SIP Plans for 5000 Monthly

List of Best SIP Plans for 5000 Per Month

Below is the table showing the best SIP plans in which you can invest 5000 per month:

Details of the Best SIP Plan for 5000 Per Month​

Below are the details of SIPs for 5000 per month:

1. Parag Parikh Flexi Cap Fund Regular-Growth

   The investment objective of the Parag Parikh Flexi Cap Fund Regular-Growth is to seek to generate long-term capital growth from an actively managed portfolio primarily comprising equity and equity-related securities. The scheme invests in Indian equities, foreign equities, related instruments, and debt securities, employing a value-oriented bottom-up investment strategy.

   Parameters	Details
   Fund Name	Parag Parikh Flexi Cap Fund Regular-Growth
   NAV	₹ 86.51 (as on 11th December, 2025)
   AUM	₹113,280.87 Crs
   Expense Ratio	1.28%
   Return 5 Years	21.81%
   Return 10 Years	17.97%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
   Risk Level	Principal at very high risk
   Launch Date	24th May, 2013
   Asset Allocation	Equity: 75.22%, Debt: 21.1%, Others: 2.97%
   Top Sectors	Real Estate Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Others CBLO HDFC Bank Ltd Bajaj Holdings & Investment Ltd Power Grid Corporation of India Ltd Coal India Ltd ICICI Bank Ltd ITC Ltd Alphabet Inc Forgn. Eq (GOOGL) Kotak Mahindra Bank Ltd Maruti Suzuki India Ltd
   Fund Managers	Rajeev Thakkar Raunak Onkar Raj Mehta Rukun Tarachandani Mansi Kariya
   Fund Type	Open-ended

2. HDFC Balanced Advantage Fund Regular-Growth

   The investment objective of HDFC Balanced Advantage Fund Regular-Growth is to provide long-term capital appreciation and income by investing in a dynamic mix of equity and debt instruments.

   Parameters	Details
   Fund Name	HDFC Balanced Advantage Fund Regular-Growth
   NAV	₹ 528.09 (as on 10th December, 2025)
   AUM	₹101,772.60 Crs
   Expense Ratio	1.33%
   Return 5 Years	24.17%
   Return 10 Years	14.1%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	11th September, 2000
   Asset Allocation	Equity: 64.83%, Debt: 26.66%, Others: 7.06%
   Top Sectors	Real Estate Technology Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials
   Top Holdings	HDFC Bank Ltd Cash Margin ICICI Bank Ltd Reliance Industries Ltd Bharti Airtel Ltd State Bank of India Reverse Repo Infosys Ltd Larsen & Toubro Ltd Repo
   Fund Managers	Anil Bamboli Gopal Agrawal Arun Agarwal Srinivasan Ramamurthy Dhruv Muchhal Nandita Menezes
   Fund Type	Open-ended

   

3. SBI Equity Hybrid Fund-Growth

   The SBI Equity Hybrid Fund-Growth aims to provide investors with long-term capital appreciation along with the liquidity of an open-ended scheme by investing in a mix of debt and equity instruments. The scheme allocates a significant portion to equities of high growth companies and balances risk by also investing in fixed income securities.​

   Parameters	Details
   Fund Name	SBI Equity Hybrid Fund-Growth
   NAV	₹ 306.34 (as on 10th December, 2025)
   AUM	₹77,793.99 Crs
   Expense Ratio	1.39%
   Return 5 Years	16.51%
   Return 10 Years	12.34%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
   Risk Level	Principal at very high risk
   Launch Date	31st December, 1995
   Asset Allocation	Equity: 73.77%, Debt: 21.31%, Others: 4.37%
   Top Sectors	Real Estate Technology Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials
   Top Holdings	HDFC Bank Ltd Repo GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 Bharti Airtel Ltd ICICI Bank Ltd State Bank of India GOVERNMENT OF INDIA 35943 GOI 05MY35 6.33 FV RS 100 Kotak Mahindra Bank Ltd Solar Industries India Ltd MRF Ltd
   Fund Managers	Rajeev Radhakrishnan Mansi Sajeja Pradeep Kesavan Rama Iyer Srinivasan
   Fund Type	Open-ended

4. ICICI Prudential Large Cap Fund-Growth

   The investment objective of ICICI Prudential Large Cap Fund - Growth is to generate long-term capital appreciation and income distribution from a portfolio predominantly invested in equity and equity-related securities of large-cap companies.​

   Parameters	Details
   Fund Name	ICICI Prudential Large Cap Fund-Growth
   NAV	₹ 114.32 (as on 10th December, 2025)
   AUM	₹71,787.87 Crs
   Expense Ratio	1.42%
   Return 5 Years	21.22%
   Return 10 Years	14.51%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	23rd May, 2008
   Asset Allocation	Equity: 93.84%, Debt: 2.08%, Others: 4.09%
   Top Sectors	Diversified Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	HDFC Bank Ltd ICICI Bank Ltd Repo Reliance Industries Ltd Larsen & Toubro Ltd Bharti Airtel Ltd Maruti Suzuki India Ltd Axis Bank Ltd Ultratech Cement Ltd Reverse Repo
   Fund Managers	Anish Tawakley Vaibhav Dusad Sharmila D'Silva
   Fund Type	Open-ended

   

5. Nippon India Small Cap Fund - Growth

   The investment objective of Nippon India Small Cap Fund - Growth is 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	₹ 163.44 (as on 10th December, 2025)
   AUM	₹65,922.00 Crs
   Expense Ratio	1.4%
   Return 5 Years	32.35%
   Return 10 Years	20.6%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	16th September, 2010
   Asset Allocation	Equity: 95.85%, Debt: 0%, Others: 4.15%
   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 State Bank of India Karur Vysya Bank Ltd Kirloskar Brothers Ltd Paradeep Phosphates Ltd Bharat Heavy Electricals Ltd Apar Industries Ltd Elantas Beck India Ltd
   Fund Managers	NA
   Fund Type	Open-ended

6. Kotak Midcap Fund Regular-Growth

   The investment objective of Kotak Midcap Fund Regular-Growth is to generate long-term capital appreciation from a portfolio of equity and equity-related securities by investing predominantly in midcap companies, which are generally in their nascent or developing stage and have the potential for higher growth in the long term.​​

   Parameters	Details
   Fund Name	Kotak Midcap Fund Regular-Growth
   NAV	₹ 133.66 (as on 10th December, 2025)
   AUM	₹57,375.20 Crs
   Expense Ratio	1.39%
   Return 5 Years	27.51%
   Return 10 Years	18.07%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	30th March, 2007
   Asset Allocation	Equity: 98.13%, Debt: 0.17%, Others: 1.7%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	Fortis Healthcare Ltd GE T&D India Ltd Mphasis Ltd Dixon Technologies (India) Ltd Ipca Laboratories Ltd Vishal Mega Mart Ltd. Swiggy Ltd. JK Cement Ltd Coromandel International Ltd Indian Bank
   Fund Managers	NA
   Fund Type	Open-ended

7. Mirae Asset Large & Midcap Fund Regular-Growth

   Mirae Asset Large & Midcap Fund Regular-Growth: The objective is to generate income and capital appreciation from a portfolio primarily investing in Indian equities and equity-related securities of large cap and mid cap companies. The fund manager may also invest in other Indian equity securities to achieve optimal portfolio construction. The scheme does not guarantee returns and is moderately high risk

   Parameters	Details
   Fund Name	Mirae Asset Large & Midcap Fund Regular-Growth
   NAV	₹ 155.15 (as on 10th December, 2025)
   AUM	₹40,554.09 Crs
   Expense Ratio	1.52%
   Return 5 Years	20.65%
   Return 10 Years	17.41%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	9th July, 2010
   Asset Allocation	Equity: 99.45%, Debt: 0.24%, Others: 0.31%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	HDFC Bank Ltd ICICI Bank Ltd Axis Bank Ltd State Bank of India ITC Ltd Infosys Ltd Larsen & Toubro Ltd Maruti Suzuki India Ltd Reliance Industries Ltd Tata Consultancy Services Ltd
   Fund Managers	Neelesh Surana Ankit Jain
   Fund Type	Open-ended

8. Axis Large Cap Fund Regular-Growth

   Axis Large Cap Fund Regular-Growth: The objective is to achieve long-term capital appreciation by investing in a diversified portfolio predominantly consisting of equity and equity-related securities of large cap companies. The fund aims to outperform the benchmark with lower risk, targeting long-term goals such as retirement and children’s education.

   Parameters	Details
   Fund Name	Axis Large Cap Fund Regular-Growth
   NAV	₹ 61.21 (as on 10th December, 2025)
   AUM	₹33,360.42 Crs
   Expense Ratio	1.58%
   Return 5 Years	13.68%
   Return 10 Years	12.29%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	5th January, 2010
   Asset Allocation	Equity: 97.02%, Debt: 3.04%, Others: -0.06%
   Top Sectors	Consumer Discretionary Energy & Utilities Financial Healthcare Materials Real Estate Technology Industrials Consumer Staples
   Top Holdings	HDFC Bank Ltd ICICI Bank Ltd Reliance Industries Ltd Bharti Airtel Ltd Bajaj Finance Ltd Infosys Ltd Larsen & Toubro Ltd State Bank of India Zomato Ltd Mahindra & Mahindra Ltd
   Fund Managers	Krishnaa Narayan Shreyash Devalkar Jayesh Sundar
   Fund Type	Open-ended

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

   Aditya Birla Sun Life Large Cap Fund Regular-Growth: The objective is long-term growth of capital through a portfolio with a target allocation of 100% equity, diversified across various industries/sectors similar to its benchmark index, Nifty 100 TRI. A secondary objective includes income generation and distribution of dividends.

   Parameters	Details
   Fund Name	Aditya Birla Sun Life Large Cap Fund Regular-Growth
   NAV	₹ 540.64 (as on 10th December, 2025)
   AUM	₹30,234.55 Crs
   Expense Ratio	1.63%
   Return 5 Years	18.88%
   Return 10 Years	12.63%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	30th August, 2002
   Asset Allocation	Equity: 98.58%, Debt: 0.71%, Others: 0.71%
   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 Mahindra & Mahindra Ltd Kotak Mahindra Bank Ltd State Bank of India
   Fund Managers	Mahesh Patil Dhaval Joshi
   Fund Type	Open-ended

10. Canara Robeco Large and Mid Cap Fund Regular-Growth

    Canara Robeco Large and Mid Cap Fund Regular-Growth: The scheme endeavors to identify companies with potential to become leaders of tomorrow in their sectors, aiming for growth by investing in a mix of large and mid cap stocks.

    Parameters	Details
    Fund Name	Canara Robeco Large and Mid Cap Fund Regular-Growth
    NAV	₹ 250.08 (as on 10th December, 2025)
    AUM	₹25,550.61 Crs
    Expense Ratio	1.6%
    Return 5 Years	20.35%
    Return 10 Years	15.33%
    Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
    Risk Level	Principal at very high risk
    Launch Date	11th March, 2005
    Asset Allocation	Equity: 98.1%, Others: 1.9%
    Top Sectors	Consumer Staples Diversified Energy & Utilities Financial Materials Real Estate Technology Industrials Healthcare Consumer Discretionary
    Top Holdings	ICICI Bank Ltd The Indian Hotels Company Ltd TVS Motor Company Ltd UNO Minda Ltd Bharat Electronics Ltd Dixon Technologies (India) Ltd Zomato Ltd KPIT Technologies Ltd Repo The Federal Bank Ltd
    Fund Managers	Shridatta Bhandwaldar Amit Nadekar
    Fund Type	Open-ended

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How the Best SIP Plan for 5000 Per Month Works?

• Suppose you start a SIP with ₹5,000 monthly investment in a mutual fund plan.
• You invest ₹5,000 every month for a period, say 5 years.
• The fund's returns are assumed at an average of 12% per annum (which is a reasonable expectation for a good equity mutual fund SIP).
• Each month, depending on the fund's Net Asset Value (NAV), you receive mutual fund units. When NAV is low, your ₹5,000 buys more units; when NAV is high, fewer units.
• This mechanism is called rupee cost averaging, which helps smooth out market volatility.

Example Calculation

• Total investment over 5 years (60 months) = ₹5,000 × 60 = ₹3,00,000.
• Using the SIP calculator, at 12% annual returns, the investment could grow to approximately ₹4,00,000 to ₹4,50,000.
• For a longer tenure like 10 years, ₹5,000 monthly could grow substantially more due to compounding, possibly doubling or tripling the corpus over time.

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)

13.14%

Equity Pension

15.49%

Global Equity Index Funds Strategy

19.07%

High Growth Fund

13.4%

Opportunities Fund

20.92%

Multi Cap Fund

14.34%

Accelerator Mid-Cap Fund II

15.75%

Multiplier

14.7%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

11.43%

Growth Plus Fund

14.8%

US Equity Fund

15.18%

Growth Opportunities Plus Fund

11.82%

Equity Top 250 Fund

14.24%

Future Apex Fund

12.18%

Pension Dynamic Equity Fund

14.6%

Pension Enhanced Equity

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Things to Consider When Investing 5000 Per Month in the Best SIP Plan

1. Define Your Financial Goal and Time Horizon

   Clearly identify why you are investing, whether for retirement, child's education, buying a home, or wealth creation. SIPs typically work best for medium to long-term goals (5 years or more), allowing your investments to grow through compounding and rupee cost averaging.

2. Choose the Right Type of Mutual Fund

   Select a mutual fund that matches your risk profile and investment horizon. Equity funds (large-cap, mid-cap, flexi-cap) offer higher returns but come with higher volatility, suitable for longer horizons. Balanced or hybrid funds can reduce risk with a mix of equity and debt.

3. Analyze Past Performance and Fund Manager Track Record

   Look at the fund’s performance over different market cycles, its consistency, and the experience of the fund manager. Past performance is not a guarantee but helps evaluate the fund's stability and strategy.

4. Understand Costs and Charges

   Check the expense ratio and any exit loads or charges. Lower costs typically enhance your net returns over time.

5. Consider Diversification

   Avoid putting all ₹5,000 into one fund. You can split across 2-3 high-quality SIPs to diversify across sectors and market caps, which can help manage risks and smooth returns.

6. Discipline and Consistency

   Stick to your monthly commitment and avoid pausing SIPs due to short-term market volatility. SIP’s rupee cost averaging helps buy more units when prices are low, reducing the average cost.

7. Use SIP Calculators to Estimate Returns

   Utilize online SIP calculators to forecast potential corpus based on expected returns and tenure, helping set realistic expectations.

8. Monitor and Review Regularly

   Review fund performance annually and adjust your portfolio if needed. However, avoid frequent switching based on short-term market movements.

9. Tax Implications

   Understand the tax benefits and liabilities on SIP investments. Equity funds held over one year qualify for long-term capital gains tax exemption up to ₹1 lakh, while debt funds have different tax rules.

10. Emergency Fund and Financial Stability

    Ensure you have an emergency fund and stable income to continue SIPs without disruption.

Summing Up!

A monthly SIP plan for Rs. 5000 can give you increased returns if you continue to stay invested for 5 years or more. Given the range of options available, stick to safer options such as hybrid funds and large-cap funds if you have just started out. As you start to understand more, gradually increase the investment amount and move towards a diversified portfolio comprising of both equity and debt funds.