Top Performing SIPs with High Returns˜
Invest ₹10k/Month & Get ₹1 Crore# Tax-Free
  • +91
    Secure
    We don’t spam
Your personal information is secure with us
By clicking on ''View Plans'' you, agreed to our Privacy Policy and Terms of use
Get Updates on WhatsApp
We are rated++
rating
15.8 Crore
Registered Consumer
53
Insurance Partners
7.16 Crore
Policies Sold

Best SIP Plans for 7 Years

Investing in the best SIP plans for 7 years can help you build a strong corpus for medium term goals like a house down payment, higher education, or business expansion. A 7-year horizon suits moderate to slightly aggressive investors who want higher growth than short-term options but with more stability than very long-term equity bets. With disciplined monthly investing, even ₹1,000, ₹5,000, or ₹10,000 per month can compound meaningfully over this period.

Best SIP Mutual Funds to Invest in for 7 Years in 2026

Below are the details of the best SIP plans to invest for 7 years in India in 2026:

Fund Name 7 Years AUM NAV Expense Ratio
Quant Small Cap Fund Direct Plan-Growth 35.7% ₹33,739.05 Crs ₹321.77 0.94%
Bank of India Small Cap Fund Direct-Growth 31.66% ₹2,572.40 Crs ₹66.14 0.72%
Motilal Oswal Nasdaq 100 FOF Direct-Growth 29.04% ₹8,267.17 Crs ₹69.02 0.19%
Invesco India Smallcap Fund Direct-Growth 28.31% ₹13,420.41 Crs ₹54.88 0.63%
Nippon India Small Cap Fund Direct-Growth 27.99% ₹78,407.03 Crs ₹210.64 0.69%
Quant Infrastructure Fund Direct-Growth 27.94% ₹3,205.29 Crs ₹46.86 1.09%
Edelweiss Small Cap Fund Direct-Growth 26.96% ₹6,579.72 Crs ₹54.69 0.63%
Union Small Cap Fund Direct-Growth 26.94% ₹2,267.79 Crs ₹67.95 1.11%
Quant ELSS Tax Saver Fund Direct-Growth 26.77% ₹13,143.38 Crs ₹468.11 1.21%
Canara Robeco Small Cap Fund Direct-Growth 26.74% ₹13,967.05 Crs ₹46.60 0.68%
Bank of India Manufacturing & Infrastructure Fund Direct-Growth 26.73% ₹836.52 Crs ₹80.02 1.03%
DSP Healthcare Fund Direct-Growth 26.64% ₹3,514.02 Crs ₹51.53 0.73%
SBI Healthcare Opportunities Fund Direct Plan-Growth 26.64% ₹4,997.72 Crs ₹606.40 1.05%
Mirae Asset Healthcare Fund Direct-Growth 26.45% ₹3,252.55 Crs ₹52.38 0.61%
Quant Flexi Cap Fund Direct-Growth 26.4% ₹7,140.12 Crs ₹123.58 1.05%

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
Years
  • 1
  • 2
  • 3
  • 4
  • 6
  • 7
  • 8
  • 9
  • 11
  • 12
  • 13
  • 14
  • 16
  • 17
  • 18
  • 19
  • 21
  • 22
  • 23
  • 24
  • 26
  • 27
  • 28
  • 29
  • 31
  • 32
  • 33
  • 34
  • 36
  • 37
  • 38
  • 39
  • 40
Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
% Annually
  • 1
  • 2
  • 3
  • 4
  • 6
  • 7
  • 8
  • 9
  • 11
  • 12
  • 13
  • 14
  • 16
  • 17
  • 18
  • 19
  • 21
  • 22
  • 23
  • 24
  • 26
  • 27
  • 28
  • 30
Total Wealth ₹1.03 Cr
Start Investing
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
  • 1
  • 2
  • 3
  • 4
  • 6
  • 7
  • 8
  • 9
  • 11
  • 12
  • 13
  • 14
  • 16
  • 17
  • 18
  • 19
  • 21
  • 22
  • 23
  • 24
  • 26
  • 27
  • 28
  • 29
  • 31
  • 32
  • 33
  • 34
  • 36
  • 37
  • 38
  • 39
  • 40
Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
% Annually
  • 1
  • 2
  • 3
  • 4
  • 6
  • 7
  • 8
  • 9
  • 11
  • 12
  • 13
  • 14
  • 16
  • 17
  • 18
  • 19
  • 21
  • 22
  • 23
  • 24
  • 26
  • 27
  • 28
  • 30
Monthly Investment ₹22.4 L
Start Investing

FAQs

  • Which SIP is best for 7 years in India?

    For a 7-year horizon, mid-cap, flexi-cap, and selective thematic funds have historically delivered better risk-adjusted returns than large-cap alone. Diversification is important instead of investing only in infrastructure or PSU funds.
  • Can I create ₹1 crore in 7 years through SIP?

    To reach ₹1 crore in 7 years at 12% annual return, you need approximately:

    • Monthly SIP ≈ ₹75,000-₹77,000
    • Total Investment ≈ ₹63-65 lakh

    This assumes consistent returns and no major withdrawal.

  • Is 7 years enough for equity SIP?

    Yes, 7 years is considered a medium-to-long investment horizon, suitable for equity exposure. However, investors with low risk tolerance may combine equity with hybrid funds.
  • Should I choose direct or regular plans?

    Direct plans generally have lower expense ratios, which can improve net returns over 7 years.

Mutual Fund AMCs

see more plans

Disclaimer: The list of insurers mentioned are arranged according to the alphabetical order of the names of insurers respectively. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. The list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

SIP plans Articles

Recent Articles
Popular Articles
Systematic Withdrawal Plan vs Annuity

17 Aug 2026

The two best options for retirement planning in India include
Read more
Best Balanced Advantage Fund for SWP

04 Aug 2026

Balanced advantage funds are hybrid mutual funds that invest in
Read more
Best Equity Mutual Fund for SWP

04 Aug 2026

Systematic Withdrawal Plans (SWP) let you pull a fixed amount
Read more
Best SWP Plan for 10 Years

04 Aug 2026

A Systematic Withdrawal Plan lets you pull a fixed sum from a
Read more
Bank of India SWP Plan

04 Aug 2026

A Systematic Withdrawal Plan lets you pull a fixed sum out of a
Read more
SIP Calculator
  • 10 Apr 2018
  • 1571196
Best Mutual Funds Increase Your SIP Wealth See how increasing your contribution by just ₹5,000 and
Read more
Best SIP Plans
  • 14 Feb 2020
  • 422397
The best SIP plan isn't the one with the highest recent return: it's the one that matches your goal and how long
Read more
Best SIP Plan for 5 Years
  • 20 Aug 2025
  • 55602
Updated: 27-08-2026 09:40:58 AM SIP for 5-year horizon is long enough for your money to grow, but short enough that
Read more
SBI SWP Plans
  • 07 Apr 2025
  • 30571
An SBI SWP lets you set a fixed withdrawal amount from your mutual fund investment every month. You stay
Read more
SIP Investment Plans - SIP Funds to Invest in India
  • 01 Feb 2017
  • 1207798
A Systematic Investment Plan (SIP) is a method to invest fixed amounts regularly in mutual funds. It makes the
Read more

Invest ₹10K/Month & Get ₹1 Crore# Tax-Free*
*under 10(10D)
Claude
top
Close
Download the Policybazaar app
to manage all your insurance needs.
INSTALL