SIP Plans for 5000 Monthly

SIPs help you lower the risk of market fluctuations while making it affordable for the younger working class to invest in the equity market. By investing just Rs. 5000 every month in an SIP, you can create high returns to meet your long-term goals. A systematic investment plan allows you to invest a monthly sum in a single type of fund, be it equity, debt, gold, etc.

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SIP Plan Benefits
Start SIP with as low as ₹1000
Start SIP with as low as ₹1000
No hidden charges
No hidden charges
Save upto ₹46,800 in Tax
Save upto ₹46,800 in Taxunder section 80C^
Zero LTCG Tax
Zero LTCG Tax
Disciplined & worry-free investing
Disciplined & worry-free investing

Payment Mode
Invest
₹ 10,000
Invest for
AUM (Cr)

₹10,554

NAV

114.14

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 28.6 21.1 17.8 %

Instant tax receipt
AUM (Cr)

₹2,693

NAV

71.67

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.95 15.68 15.53 %

Instant tax receipt
AUM (Cr)

₹3,282

NAV

70.19

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.99 16.04 15.13 %

Instant tax receipt
AUM (Cr)

₹5,681

NAV

80.91

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.38 12.4 14.97 %

Instant tax receipt
AUM (Cr)

₹36,935

NAV

76.38

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.72 14.49 14.67 %

Instant tax receipt
AUM (Cr)

₹433

NAV

67.94

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.79 13.24 14.52 %

Instant tax receipt
AUM (Cr)

₹4,390

NAV

68.06

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.68 14.47 14.42 %

Instant tax receipt
AUM (Cr)

₹3,552

NAV

41.11

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.79 12.99 14.23 %

Instant tax receipt
AUM (Cr)

₹7,241

NAV

154.47

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.82 13.2 14.01 %

Instant tax receipt
AUM (Cr)

₹235

NAV

49.42

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.36 14.6 13.98 %

Instant tax receipt
AUM (Cr)

₹2,693

NAV

71.67

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.95 15.68 15.53 %

AUM (Cr)

₹3,282

NAV

70.19

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.99 16.04 15.13 %

AUM (Cr)

₹433

NAV

67.94

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.79 13.24 14.52 %

AUM (Cr)

₹4,390

NAV

68.06

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.68 14.47 14.42 %

AUM (Cr)

₹3,552

NAV

41.11

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.79 12.99 14.23 %

AUM (Cr)

₹7,241

NAV

154.47

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.82 13.2 14.01 %

AUM (Cr)

₹235

NAV

49.42

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.36 14.6 13.98 %

AUM (Cr)

₹104

NAV

54.94

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.95 14.01 13.64 %

AUM (Cr)

₹13,106

NAV

81.15

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.04 12.44 13.2 %

AUM (Cr)

₹2,130

NAV

65.64

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 16.11 12.07 12.87 %

AUM (Cr)

₹10,554

NAV

114.14

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 28.6 21.1 17.8 %

AUM (Cr)

₹5,681

NAV

80.91

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.38 12.4 14.97 %

AUM (Cr)

₹36,935

NAV

76.38

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.72 14.49 14.67 %

AUM (Cr)

₹2,211

NAV

62.53

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 26.65 20.83 20.1 %

AUM (Cr)

₹1,021

NAV

72.98

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.89 14.16 14.9 %

AUM (Cr)

₹13,589

NAV

68.37

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 18.77 13.18 13.45 %

AUM (Cr)

₹3,406

NAV

59.13

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.06 13 12.83 %

AUM (Cr)

₹1,125

NAV

52.57

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 18.82 12.32 12.59 %

AUM (Cr)

₹528

NAV

57.06

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.17 11.46 11.73 %

AUM (Cr)

₹215

NAV

94.32

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 7.86 8.31 8.51 %

AUM (Cr)

₹831

NAV

40.54

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.98 7.89 7.69 %

AUM (Cr)

₹488

NAV

38.24

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.67 7.93 7.51 %

AUM (Cr)

₹123

NAV

29.45

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 6.02 7.04 7.19 %

AUM (Cr)

₹71

NAV

40.75

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.44 7.32 7.18 %

AUM (Cr)

₹198

NAV

46.83

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 4.89 7.35 7.11 %

AUM (Cr)

₹19,241

NAV

49.64

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.46 7.26 7.04 %

AUM (Cr)

₹7,540

NAV

32.11

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.01 7.03 7.01 %

AUM (Cr)

₹93

NAV

38.53

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.3 7.33 6.99 %

AUM (Cr)

₹1,064

NAV

46.35

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.86 7.19 6.95 %

AUM (Cr)

₹892

NAV

97.92

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.94 15.74 15.56 %

AUM (Cr)

₹363

NAV

47.61

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.31 10.85 10.77 %

AUM (Cr)

₹66

NAV

59.84

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 10.79 9.52 10.3 %

AUM (Cr)

₹5,648

NAV

39.58

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.41 9.72 10.28 %

AUM (Cr)

₹492

NAV

102.87

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.29 9.87 10.27 %

AUM (Cr)

₹22,609

NAV

72.27

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.05 9.65 10.1 %

AUM (Cr)

₹7,725

NAV

109.42

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.81 9.85 9.99 %

AUM (Cr)

₹286

NAV

31.13

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.23 9.21 9.95 %

AUM (Cr)

₹839

NAV

38.8

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.24 9.8 9.91 %

AUM (Cr)

₹1,978

NAV

43.18

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.81 9.5 9.77 %

AUM (Cr)

₹1,321

NAV

81.46

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 18.97 13.18 14.01 %

AUM (Cr)

₹7,241

NAV

155.14

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.64 13.26 13.96 %

AUM (Cr)

₹2,935

NAV

69.1

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 16.82 12.75 13.39 %

View More

You can choose to diversify by investing in different types to balance out the risk. A key advantage of SIPs is that you can monitor how the funds are performing based on which you can either increase or decrease the amount of investment. However, in order to enjoy higher returns, you should ideally stay invested for a minimum of 5 years. Tools like an SIP Calculator help you determine how much you need to invest to achieve your goals in 5 years.

Here is a look at a mix of equity and debt funds that you can explore to start a monthly SIP of Rs. 5000.  

  • Insurance Companies
  • Mutual Funds
Returns
Fund Name 5 Years 7 Years 10 Years
High Growth Fund Axis Max Life
Rating
28.6% 21.1%
17.8%
View Plan
India Consumption Fund Tata AIA Life
Rating
26.65% 20.83%
20.1%
View Plan
Accelerator Mid-Cap Fund II Bajaj Allianz
Rating
20.38% 12.4%
14.97%
View Plan
Opportunities Fund HDFC Life
Rating
21.72% 14.49%
14.67%
View Plan
Opportunities Fund ICICI Prudential Life
Rating
20.06% 13%
12.83%
View Plan
Multiplier Birla Sun Life
Rating
22.25% 14.42%
15.78%
View Plan
Virtue II PNB MetLife
Rating
20.99% 16.04%
15.13%
View Plan
Equity II Fund Canara HSBC Life
Rating
16.71% 9.95%
10.99%
View Plan
Balanced Fund LIC India
Rating
10.6% -
-
View Plan
Equity Fund SBI Life
Rating
16.87% 11.68%
12.1%
View Plan
Fund rating powered by
Last updated: Aug 2025
Compare more funds

  Returns
Fund Name 3 Years 5 Years 10 Years
Active Fund QUANT 23.92% 31.48%
21.87%
Flexi Cap Fund PARAG PARIKH 20.69% 26.41%
19.28%
Large and Mid-Cap Fund EDELWEISS 22.34% 24.29%
17.94%
Equity Opportunities Fund KOTAK 24.64% 25.01%
19.45%
Large and Midcap Fund MIRAE ASSET 19.74% 24.32%
22.50%
Flexi Cap Fund PGIM INDIA 14.75% 23.39%
-
Flexi Cap Fund DSP 18.41% 22.33%
16.91%
Emerging Equities Fund CANARA ROBECO 20.05% 21.80%
15.92%
Focused fund SUNDARAM 18.27% 18.22%
16.55%

Last updated: August 2025

Compare more funds

Buying the Dip Results in Higher ReturnsBuying the Dip Results in Higher Returns

Monthly SIP Funds at Rs. 5000

Fund Name Category Type 5 Year Return Risk Profile
Aditya Birla Sun Life Corporate Bond Fund Direct Growth Debt  Corporate Bond 7.45% Moderate to low risk
Axis Small Cap Fund Direct Growth Equity  Small Cap 20.12% Very High Risk
ICICI Prudential Short Term Fund Direct Plan Growth Debt Short Duration 7.59% Moderate to low risk
ICICI Prudential Technology Direct Plan Growth Equity Sectoral / Thematic 28.82% Very High Risk
Mirae Asset Emerging Bluechip Fund Direct Growth Equity  Large & Mid Cap 15.52% Very High Risk
Mirae Asset Tax Saver Fund Direct Growth Equity ELSS 16.63% High Risk
Quant Tax Plan Direct Growth Equity ELSS 22.73% High Risk
Tata Digital India Fund Direct Growth Equity  Sectoral / Thematic 30.04% Very High Risk

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

People Also Read: SWP Calculator

SIP Calculator

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
/Month
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
Years
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Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
% Annually
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Monthly Investment ₹22.4 L
View Plans
Top Funds with High Returns (Past 7 Years)
High Growth Fund
17.8%
High Growth Fund
India Consumption Fund
20.1%
India Consumption Fund
Accelerator Mid-Cap Fund II
14.97%
Accelerator Mid-Cap Fund II
Opportunities Fund
14.67%
Opportunities Fund
Opportunities Fund
12.83%
Opportunities Fund
Multiplier
15.78%
Multiplier
Virtue II
15.13%
Virtue II
Equity II Fund
10.99%
Equity II Fund
Accelerator Fund
13.98%
Accelerator Fund
Pension Dynamic Equity Fund
11.55%
Pension Dynamic Equity Fund
Frontline Equity Fund
14.42%
Frontline Equity Fund
Equity Pension
12.59%
Equity Pension
Equity Top 250 Fund
11.73%
Equity Top 250 Fund
Growth Opportunities Plus Fund
14.9%
Growth Opportunities Plus Fund
Future Apex Fund
13.64%
Future Apex Fund
US Equity Fund
13.87%
US Equity Fund

Category-wise SIP Details

Plans should be opted for by assessing how much risk you are willing to take and what goals you are trying to accomplish. The following sections offer deeper insight into the different categories to help you choose the best monthly SIP plans for Rs. 5000.

  1. Equity Funds

    Equity funds are those that invest in stocks and shares of a company. Depending on the performance of the company, the value of the funds goes up or down. This difference is what determines your returns at the base level. 

    Equity Sectoral / Thematic

    Sectoral / thematic funds invest in the stocks of companies belonging to a particular niche. For instance, the ICICI Prudential Technology Fund and the Tata Digital India Fund invest largely in the equity of tech or IT companies. The 3-year annualized return for each fund is 34.25% and 31.11% respectively. A monthly SIP of Rs. 5000 in each of these funds for at least 3 years can increase your investment of Rs. 1.8 Lakhs to over Rs. 3 Lakhs.  

    Equity Funds by Market Cap

    Funds that invest in the equities of large companies (ranking in the top 100 per SEBI guidelines) are large cap funds. Similarly, small cap funds are those that invest in companies ranking above 250. Mid-cap funds fall in the range between. The greater the market capitalization of a company, the more likely it is to get steady consistent returns. 

    The 3-year annualized return for the Axis Small Cap Fund is 30.08%. For Mirae Asset Emerging Bluechip Fund, which invests in a mix of large and mid-cap companies, it is 21.18%. 

    start-an-sip-today-watch-your-money-grow start-an-sip-today-watch-your-money-grow
  2. Tax Saving Funds

    These are primarily equity-based investments, however, these come with tax benefits under section 80C of the Income Tax Act, 1961. A monthly SIP of Rs. 5000 in such funds can help you save on taxes on the extra income earned through the returns on investments. 

    Equity ELSS

    Both Quant Tax Plan and Mirae Asset Tax Saver Fund come with a lock-in period of 3 years during which you cannot withdraw any funds. Their 3-year annualized returns are 36.82% and 20.61% respectively.

  3. Debt Funds

    Debt funds are low-risk in nature, and subsequently, the returns are lower than equity instruments. Ideally, investors should split their SIP investments into both equity and debt to generate decent returns while erring on the side of caution. 

People Also Read: Systematic Withdrawal Plan (SWP)

start-small-&-build-your-wealth-for-a-brighter-tomorrow start-small-&-build-your-wealth-for-a-brighter-tomorrow

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.

SIP Hub

˜Top plans are based on annualized premium, for bookings made through https://www.policybazaar.com in FY 25. 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. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
Disclaimer:#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. All SIPs listed here are of insurance companies’ funds. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).

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