Best SIP Plans for 7 Years

Best SIPs to Invest in for 7 Years

Below are the details of the best SIP plans to invest for 7 years:

Mutual Funds

Below is the list of best mutual funds for the next 7 years

Details of Best SIP Plans for 7 Years

Below are the details of the SIP plans mentioned in the above table: 

1. ICICI Prudential Infrastructure Fund

   Investment objective: The scheme seeks to generate capital appreciation and income distribution to unit holders by investing predominantly in equity/equity related securities of the companies belonging to the infrastructure theme.

   Parameters	Details
   Fund Name	ICICI Prudential Infrastructure Fund-Growth
   NAV	₹ 199.09 (as on 21st October, 2025)
   AUM	₹7,941.20 Crs
   Expense Ratio	1.85%
   Return 3 Years	28.79%
   Return 5 Years	37.23%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	31st August, 2005
   Asset Allocation	Equity: 91.93%, Debt: 0.52%, Others: 6.91%
   Top Sectors	Consumer Discretionary Industrials Energy & Utilities Financial Materials Real Estate Technology
   Top Holdings	Larsen & Toubro Ltd Repo NTPC Ltd Adani Ports and Special Economic Zone Ltd Vedanta Ltd Reliance Industries Ltd NCC Ltd Kalpataru Power Transmission Ltd Axis Bank Ltd AIA Engineering Ltd
   Fund Managers	Ihab Dalwai Sharmila D'Silva
   Fund Type	Open-ended

2. Motilal Oswal Midcap Fund

   Investment objective: The scheme seeks to achieve long term capital appreciation by investing in quality mid-cap companies having long-term competitive advantages and potential for growth.

   Parameters	Details
   Fund Name	Motilal Oswal Midcap Fund Regular-Growth
   NAV	₹ 104.79 (as on 21st October, 2025)
   AUM	₹33,608.53 Crs
   Expense Ratio	1.55%
   Return 3 Years	25.97%
   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

3. SBI PSU Fund

   Investment objective: The scheme seeks to provide opportunities for long-term growth through an active management of investments in a diversified basket of equity stocks of domestic Public Sector Undertakings and in debt and money market instruments issued by PSUs and others.

   Parameters	Details
   Fund Name	SBI PSU Fund-Growth
   NAV	₹ 33.01 (as on 21st October, 2025)
   AUM	₹5,278.16 Crs
   Expense Ratio	1.86%
   Return 3 Years	31.67%
   Return 5 Years	32.69%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	7th July, 2010
   Asset Allocation	Equity: 97.83%, Debt: 0.09%, Others: 2.08%
   Top Sectors	Industrials Energy & Utilities Financial Materials
   Top Holdings	State Bank of India Bharat Electronics Ltd NTPC Ltd Power Grid Corporation of India Ltd GAIL (India) Ltd Bharat Petroleum Corporation Ltd Bank Of Baroda Repo NMDC Ltd Indian Bank
   Fund Managers	NA
   Fund Type	Open-ended

4. HDFC Infrastructure Fund

   Investment objective: The scheme aims to invest predominantly in a diversified portfolio of equity and equity-related securities of companies which are either engaged in or expected to benefit from the growth and development of infrastructure. The scheme may also invest up to 35% of the fund in non-infrastructure related companies. The scheme shall invest across all market capitalization.

   Parameters	Details
   Fund Name	HDFC Infrastructure Fund Regular-Growth
   NAV	₹ 48.37 (as on 21st October, 2025)
   AUM	₹2,539.90 Crs
   Expense Ratio	2.04%
   Return 3 Years	28.21%
   Return 5 Years	34.27%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	10th March, 2008
   Asset Allocation	Equity: 89.05%, Others: 8.47%
   Top Sectors	Consumer Discretionary Industrials Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Repo ICICI Bank Ltd HDFC Bank Ltd Larsen & Toubro Ltd J Kumar Infraprojects Ltd Kalpataru Power Transmission Ltd Interglobe Aviation Ltd NTPC Ltd Reliance Industries Ltd Bharti Airtel Ltd
   Fund Managers	Srinivasan Ramamurthy Dhruv Muchhal
   Fund Type	Open-ended

   

5. Aditya Birla Sun Life PSU Equity Fund

   Investment objective: The scheme seeks to provide long-term capital appreciation by investing in equity and equity-related instruments of Public Sector Undertakings (PSUs).

   Parameters	Details
   Fund Name	Aditya Birla Sun Life PSU Equity Fund Regular-Growth
   NAV	₹ 33.64 (as on 21st October, 2025)
   AUM	₹5,418.32 Crs
   Expense Ratio	1.8%
   Return 3 Years	29.67%
   Return 5 Years	33.07%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹500
   Risk Level	Principal at very high risk
   Launch Date	30th December, 2019
   Asset Allocation	Equity: 100.47%, Others: -0.47%
   Top Sectors	Industrials Energy & Utilities Financial Materials Unspecified
   Top Holdings	State Bank of India NTPC Ltd Power Grid Corporation of India Ltd GAIL (India) Ltd Oil & Natural Gas Corporation Ltd Bharat Electronics Ltd Bharat Petroleum Corporation Ltd Bank Of Baroda PNB Housing Finance Ltd Life Insurance Corporation of India
   Fund Managers	Dhaval Gala Dhaval Joshi
   Fund Type	Open-ended

6. Bandhan Infrastructure Fund

   Investment objective: The scheme seeks to generate long-term capital growth through an active diversified portfolio of predominantly equity and equity-related instruments of companies that are participating in and benefiting from growth in Indian infrastructure and infrastructure related activities.

   Parameters	Details
   Fund Name	Bandhan Infrastructure Fund Regular-Growth
   NAV	₹ 49.90 (as on 21st October, 2025)
   AUM	₹1,675.88 Crs
   Expense Ratio	2.1%
   Return 3 Years	27.17%
   Return 5 Years	33.25%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
   Risk Level	Principal at very high risk
   Launch Date	8th March, 2011
   Asset Allocation	Equity: 92.85%, Debt: 0.04%, Others: 7.11%
   Top Sectors	Real Estate Consumer Discretionary Industrials Diversified Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Reverse Repo Kirloskar Brothers Ltd Larsen & Toubro Ltd Bharti Airtel Ltd Reliance Industries Ltd Ultratech Cement Ltd GPT Infraprojects Ltd Bharat Electronics Ltd PTC India Financial Services Ltd Adani Ports and Special Economic Zone Ltd
   Fund Managers	Vishal Biraia Ritika Behera Gaurav Satra
   Fund Type	Open-ended

7. Franklin Build India Fund

   Investment objective: The scheme aims to generate capital appreciation by investing in companies engaged either directly or indirectly in infrastructure-related activities. These activities include development, operations, management and maintenance of various infrastructures such as transportation, energy, resources & other infrastructure.

   Parameters	Details
   Fund Name	Franklin Build India Fund Regular-Growth
   NAV	₹ 144.48 (as on 21st October, 2025)
   AUM	₹2,950.12 Crs
   Expense Ratio	1.99%
   Return 3 Years	28.09%
   Return 5 Years	33.07%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	4th September, 2009
   Asset Allocation	Equity: 96.48%, Others: 3.52%
   Top Sectors	Financial Materials Real Estate Technology Consumer Discretionary Industrials Energy & Utilities
   Top Holdings	Larsen & Toubro Ltd ICICI Bank Ltd Interglobe Aviation Ltd Reliance Industries Ltd Oil & Natural Gas Corporation Ltd NTPC Ltd Bharti Airtel Ltd Cash/Net Current Assets Axis Bank Ltd Power Grid Corporation of India Ltd
   Fund Managers	Ajay Argal Sandeep Manam Kiran Sebastian
   Fund Type	Open-ended

8. Quant Small Cap Fund

   Investment objective: The scheme seeks to generate capital appreciation by investing in a well-diversified portfolio of small-cap companies.

   Parameters	Details
   Fund Name	Quant Small Cap Fund Direct Plan-Growth
   NAV	₹ 284.74 (as on 21st October, 2025)
   AUM	₹29,462.70 Crs
   Expense Ratio	0.71%
   Return 3 Years	25.18%
   Return 5 Years	35.17%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	NA
   Asset Allocation	Equity: 94.21%, Debt: 0.32%, Others: 5.46%
   Top Sectors	Industrials Technology Consumer Discretionary Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate
   Top Holdings	Reliance Industries Ltd Repo Jio Financial Services Limited RBL Bank Ltd Aegis Logistics Ltd Adani Power Ltd Bikaji Foods International Ltd Anand Rathi Wealth Ltd Aster DM Healthcare Ltd Ventive Hospitality Ltd.
   Fund Managers	Sanjeev Sharma Ankit A Pande Sandeep Tandon Varun Pattani Ayusha Kumbhat Sameer Kate Yug Tibrewal
   Fund Type	Open-ended

   

9. Canara Robeco Infrastructure Fund

   Investment objective: Capital appreciation over the long term. Investing in equities and equity-related instruments of companies following the Infrastructure Theme.

   Parameters	Details
   Fund Name	Canara Robeco Infrastructure Fund Regular-Growth
   NAV	₹ 163.33 (as on 21st October, 2025)
   AUM	₹917.06 Crs
   Expense Ratio	2.27%
   Return 3 Years	25.65%
   Return 5 Years	32.24%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	2nd December, 2005
   Asset Allocation	Equity: 95.2%, Others: 4.8%
   Top Sectors	Consumer Discretionary Industrials Diversified Energy & Utilities Financial Materials Real Estate Technology
   Top Holdings	Larsen & Toubro Ltd Repo Reliance Industries Ltd State Bank of India NTPC Ltd Bharat Electronics Ltd Interglobe Aviation Ltd GE T&D India Ltd Dixon Technologies (India) Ltd Tata Power Company Ltd
   Fund Managers	Vishal Mishra Shridatta Bhandwaldar
   Fund Type	Open-ended

10. Nippon India Power & Infra Fund

    Investment objective: The scheme seeks long-term capital appreciation by investing in equity and equity-related instruments of the companies that are engaged in or allied to the power and infrastructure space in India.

    Parameters	Details
    Fund Name	Nippon India Power & Infra Fund Direct-Growth
    NAV	₹ 383.50 (as on 21st October, 2025)
    AUM	₹7,376.91 Crs
    Expense Ratio	0.95%
    Return 3 Years	28.91%
    Return 5 Years	32.91%
    Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
    Risk Level	Principal at very high risk
    Launch Date	NA
    Asset Allocation	Equity: 99.43%, Debt: 0%, Others: 0.57%
    Top Sectors	Financial Consumer Discretionary Industrials Diversified Energy & Utilities Healthcare Materials Real Estate Technology
    Top Holdings	Reliance Industries Ltd NTPC Ltd Bharti Airtel Ltd Larsen & Toubro Ltd Tata Power Company Ltd CG Power & Industrial Solutions Ltd Bharat Heavy Electricals Ltd Ultratech Cement Ltd Kaynes Technology India Ltd Carborundum Universal Ltd
    Fund Managers	NA
    Fund Type	Open-ended

SIP Calculator

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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

/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

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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)

12.37%

Equity Pension

16.14%

Global Equity Index Funds Strategy

17.8%

High Growth Fund

15.5%

Pension India Consumption Fund

20.54%

Multi Cap Fund

14.41%

Accelerator Mid-Cap Fund II

15.55%

Multiplier

14.15%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

10.67%

Equity II Fund

13.87%

US Equity Fund

14.45%

Growth Opportunities Plus Fund

11.44%

Equity Top 250 Fund

13.42%

Future Apex Fund

11.27%

Pension Dynamic Equity Fund

13.76%

Accelerator Fund

How Does SIP for 7 Years Work? 

A Systematic Investment Plan (SIP) for 7 years works by allowing you to invest a fixed amount in mutual funds at regular intervals usually monthly. Over this 7-year period, your investments benefit from rupee cost averaging and power of compounding, making it an effective strategy for long-term wealth creation.

Here’s how it works:

• You choose a mutual fund and a monthly investment amount.

• Every month, your SIP buys units of the fund at the current NAV (Net Asset Value).

• Over 7 years, your total investment grows through market-linked returns and reinvested gains.

• You can track your corpus growth and adjust the SIP amount if needed.

A 7-year horizon gives your investment time to ride out short-term volatility and build a substantial corpus for goals like a down payment, child’s education, or retirement planning.

Factors to Consider When Choosing The Best SIP Plan for 7 Years 

Before committing to a 7-year SIP plan, consider these key factors to make an informed decision:

• Financial Goal: Clarify what you're investing for, wealth creation, buying a house, or children’s education. Your goal will influence your risk appetite and fund selection.

• Risk Profile: If you can handle high volatility, equity mutual funds may suit you. For moderate risk, consider hybrid funds. For low risk, debt funds are more appropriate.

• Fund Performance: Analyse the fund’s historical performance over 5–7 years. Consistent returns are a better indicator than short-term highs.

• Expense Ratio: Lower expense ratios can help you retain more of your earnings over time.

• Fund Manager’s Experience: A skilled and experienced fund manager can help steer the fund efficiently across market cycles.

• Investment Amount: Use an SIP calculator to estimate how much you need to invest monthly to reach your target amount in 7 years.

• Flexibility: Look for SIPs that allow you to increase or pause your investments, depending on your financial situation.

Conclusion

Choosing the best SIP plan for 7 years involves evaluating your financial goals, risk tolerance, and the performance of various mutual funds. With disciplined investing and the right strategy, a 7-year SIP can help you achieve meaningful financial milestones. Take time to compare options, use SIP calculators, and invest consistently to make the most of your chosen plan.