Best SIP Plans for 7 Years
Investing in a Systematic Investment Plan (SIP) for 7 years is a smart way to
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SIP Plan Benefits
Start SIP with as low as ₹1000
No hidden charges
Save upto ₹46,800 in Taxunder section 80C^
Zero LTCG Tax¶
Disciplined & worry-free investing
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
| Fund Name |
5 Year Return |
10 Year Return |
| ICICI Prudential Infrastructure Fund |
38.27% |
17.1% |
| Motilal Oswal Midcap Fund |
37.03% |
18.55% |
| SBI PSU Fund |
31.92% |
13.65% |
| HDFC Infrastructure Fund |
36.18% |
12.06% |
| Aditya Birla Sun Life PSU Equity Fund |
33.33% |
NA |
| Bandhan Infrastructure Fund |
36.39% |
16.51% |
| Franklin Build India Fund |
34.9% |
18.22% |
| Quant Small Cap Fund |
44.29% |
20.94% |
| Canara Robeco Infrastructure Fund |
34.23% |
16.3% |
| Nippon India Power & Infra Fund |
33.24% |
16.77% |
- Insurance Companies
- Mutual Funds
|
Returns |
| Fund Name |
5 Years |
7 Years |
10 Years |
| Axis Max Life |
28.6% |
21.1% |
|
| Tata AIA Life |
26.09% |
20.39% |
|
| Bajaj Allianz |
19.74% |
12.25% |
|
| HDFC Life |
21.14% |
14.32% |
|
| ICICI Prudential Life |
19.51% |
12.87% |
|
| Birla Sun Life |
21.58% |
14.08% |
|
| PNB MetLife |
20.33% |
15.8% |
|
| Canara HSBC Life |
15.1% |
9.79% |
|
| LIC India |
10.44% |
- |
|
| SBI Life |
16.45% |
11.56% |
|
Fund rating powered by
Last updated: Jul 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% |
|
Details of Best SIP Plans for 7 Years
Below are the details of the SIP plans mentioned in the above table:
-
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.
Features:
| Expense ratio |
1.14% as on Jun 30, 2025 |
| Exit load |
1.0% |
| AUM (Fund size) |
₹8,043 Cr |
| Lock-in Period |
Nil |
| Age |
12 yrs 6 m since Jan 01, 2013 |
| Benchmark |
BSE India Infrastructure TRI |
| Min. investment |
SIP: ₹500 & Lumpsum: ₹5000 |
| Risk |
Very High |
| Short Term Capital Gains (STCG) |
Returns taxed at 20% if you redeem before 1 year |
| Long Term Capital Gains (LTCG) |
After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5% |
-
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.
Features:
| Expense ratio |
0.68% as on Jun 30, 2025 |
| Exit load |
1.0% |
| AUM (Fund size) |
₹33,053 Cr |
| Lock-in Period |
Nil |
| Age |
11 yrs 5 m since Feb 03, 2014 |
| Benchmark |
NIFTY Midcap 150 TRI |
| Min. investment |
SIP: ₹500 & Lumpsum: ₹1000 |
| Risk |
Very High |
| Short Term Capital Gains (STCG) |
Returns taxed at 20% if you redeem before 1 year |
| Long Term Capital Gains (LTCG) |
After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5% |
-
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.
Features:
| Expense ratio |
0.85% as on Jun 30, 2025 |
| Exit load |
0.5% |
| AUM (Fund size) |
₹5,427 Cr |
| Lock-in Period |
Nil |
| Age |
12 yrs 6 m since Jan 01, 2013 |
| Benchmark |
BSE PSU TRI |
| Min. investment |
SIP: ₹500 & Lumpsum: ₹5000 |
| Risk |
Very High |
| Short Term Capital Gains (STCG) |
Returns taxed at 20% if you redeem before 1 year |
| Long Term Capital Gains (LTCG) |
After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5% |
-
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.
Features:
| Expense ratio |
1.06% as on Jun 30, 2025 |
| Exit load |
1.0% |
| AUM (Fund size) |
₹2,591 Cr |
| Lock-in Period |
Nil |
| Age |
12 yrs 6 m since Jan 01, 2013 |
| Benchmark |
BSE India Infrastructure TRI |
| Min. investment |
SIP: ₹500 & Lumpsum: ₹1000 |
| Risk |
Very High |
| Short Term Capital Gains (STCG) |
Returns taxed at 20% if you redeem before 1 year |
| Long Term Capital Gains (LTCG) |
After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5% |
-
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).
Features:
| Expense ratio |
0.53% as on Jun 30, 2025 |
| Exit load |
1.0% |
| AUM (Fund size) |
₹5,687 Cr |
| Lock-in Period |
Nil |
| Age |
5 yrs 7 m since Dec 09, 2019 |
| Benchmark |
BSE PSU TRI |
| Min. investment |
SIP: ₹500 & Lumpsum: ₹1000 |
| Risk |
Very High |
| Short Term Capital Gains (STCG) |
Returns taxed at 20% if you redeem before 1 year |
| Long Term Capital Gains (LTCG) |
After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5% |
-
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.
Features:
| Expense ratio |
0.84% as on Jun 30, 2025 |
| Exit load |
0.5% |
| AUM (Fund size) |
₹1,749 Cr |
| Lock-in Period |
Nil |
| Age |
12 yrs 6 m since Jan 01, 2013 |
| Benchmark |
BSE India Infrastructure TRI |
| Min. investment |
SIP: ₹500 & Lumpsum: ₹1000 |
| Risk |
Very High |
| Short Term Capital Gains (STCG) |
Returns taxed at 20% if you redeem before 1 year |
| Long Term Capital Gains (LTCG) |
After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5% |
-
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.
Features:
| Expense ratio |
0.95% as on Jun 30, 2025 |
| Exit load |
1.0% |
| AUM (Fund size) |
₹2,968 Cr |
| Lock-in Period |
Nil |
| Age |
12 yrs 6 m since Jan 01, 2013 |
| Benchmark |
BSE India Infrastructure TRI |
| Min. investment |
SIP: ₹500 & Lumpsum: ₹5000 |
| Risk |
Very High |
| Short Term Capital Gains (STCG) |
Returns taxed at 20% if you redeem before 1 year |
| Long Term Capital Gains (LTCG) |
After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5% |
-
Quant Small Cap Fund
Investment objective: The scheme seeks to generate capital appreciation by investing in a well-diversified portfolio of small-cap companies.
Features:
| Expense ratio |
0.66% as on Jun 30, 2025 |
| Exit load |
1.0% |
| AUM (Fund size) |
₹29,629 Cr |
| Lock-in Period |
Nil |
| Age |
12 yrs 6 m since Jan 01, 2013 |
| Benchmark |
NIFTY Smallcap 250 TRI |
| Min. investment |
SIP: ₹1000 & Lumpsum: ₹5000 |
| Risk |
Very High |
| Short Term Capital Gains (STCG) |
Returns taxed at 20% if you redeem before 1 year |
| Long Term Capital Gains (LTCG) |
After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5% |
-
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.
Features:
| Expense ratio |
0.98% as on Jun 30, 2025 |
| Exit load |
1.0% |
| AUM (Fund size) |
₹932 Cr |
| Lock-in Period |
Nil |
| Age |
12 yrs 6 m since Jan 01, 2013 |
| Benchmark |
BSE India Infrastructure TRI |
| Min. investment |
SIP: ₹1000 & Lumpsum: ₹5000 |
| Risk |
Very High |
| Short Term Capital Gains (STCG) |
Returns taxed at 20% if you redeem before 1 year |
| Long Term Capital Gains (LTCG) |
After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5% |
-
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.
Features:
| Expense ratio |
0.94% as on Jun 30, 2025 |
| Exit load |
1.0% |
| AUM (Fund size) |
₹7,620 Cr |
| Lock-in Period |
Nil |
| Age |
12 yrs 6 m since Jan 01, 2013 |
| Benchmark |
NIFTY Infrastructure TRI |
| Min. investment |
SIP: ₹500 & Lumpsum: ₹5000 |
| Risk |
Very High |
| Short Term Capital Gains (STCG) |
Returns taxed at 20% if you redeem before 1 year |
| Long Term Capital Gains (LTCG) |
After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5% |
SIP Calculator
Monthly Investment
₹22.4 L
Top Funds with High Returns (Past 7 Years)
17.8%
High Growth Fund
20.03%
India Consumption Fund
14.84%
Accelerator Mid-Cap Fund II
14.56%
Opportunities Fund
12.76%
Opportunities Fund
15.67%
Multiplier
15.03%
Virtue II
10.92%
Growth Plus Fund
13.81%
Accelerator Fund
11.33%
Pension Dynamic Equity Fund
14.21%
Frontline Equity Fund
12.44%
Equity Pension
11.64%
Equity Top 250 Fund
14.68%
Growth Opportunities Plus Fund
13.54%
Future Apex Fund
11.65%
US Equity 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.
