SIP for Long-Term

Best SIP for Long Term focuses on mutual fund schemes that have demonstrated consistent performance over extended periods. These SIPs emphasize disciplined investing by averaging out market fluctuations, allowing investors to build wealth gradually without the pressure of timing the market. By sticking to their proven investment strategies even during volatile phases, these plans help maximize returns through the power of compounding for long-term financial goals.

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

Top Long Term SIP Plan

Below is the list of some of the best SIP plans for long term:

Fund Name	AUM	Return 3 Years	Return 5 Years	Return 10 Years	Minimum Investment	Return Since Launch
Nippon India Large Cap Fund-Growth	₹44,164.76 Crs	20.13%	24.51%	14.63%	₹100	13%
Canara Robeco Large Cap Fund Regular-Growth	₹16,406.92 Crs	16.08%	17.34%	13.87%	₹100	12.99%
ICICI Prudential Large Cap Fund-Growth	₹71,787.87 Crs	19%	21.22%	14.51%	₹100	14.89%
Invesco India Largecap Fund Regular-Growth	₹1,528.01 Crs	18.01%	18.47%	12.95%	₹1,000	12.86%
Mirae Asset Large Cap Fund Regular- Growth	₹39,975.32 Crs	13.72%	16.29%	13.37%	₹5,000	14.9%
Motilal Oswal Midcap Fund Regular-Growth	₹33,608.53 Crs	25.97%	33.24%	17.66%	₹500	22.31%
Bandhan Infrastructure Fund Regular-Growth	₹1,675.88 Crs	27.17%	33.25%	15.69%	₹1,000	11.64%
Quant Small Cap Fund-Growth	₹29,462.70 Crs	23.91%	33.42%	19.42%	₹5,000	12.81%
HDFC Flexi Cap Fund Regular-Growth	₹80,642.30 Crs	23.71%	28.76%	16.17%	₹100	18.87%
SBI Contra Fund-Growth	₹46,947.01 Crs	20.47%	28.88%	16.04%	₹5,000	19%

Details of Long Term SIP

An SIP aims to build wealth gradually, harnessing the power of rupee cost averaging and compounding, making it ideal for achieving long-term financial goals like retirement, education, or wealth accumulation. Below are the details of long term SIP plan:

Nippon India Large Cap Fund-Growth

The Nippon India Large Cap Fund-Growth aims to generate long-term capital appreciation by investing predominantly in equity and equity-related instruments of large cap companies. The secondary objective is to generate consistent returns by investing in debt, money market securities, REITs, and InvITs. However, there is no assurance that the investment objectives will be achieved.

Parameters	Details
Fund Name	Nippon India Large Cap Fund-Growth
NAV	₹ 93.08 (as on 17th December, 2025)
AUM	₹44,164.76 Crs
Expense Ratio	1.5%
Return 3 Years	20.13%
Return 5 Years	24.51%
Return 10 Years	14.63%
Minimum Investment	SIP ₹1000 & Lumpsum ₹100
Risk Level	Principal at very high risk
Launch Date	8th August, 2007
Asset Allocation	Equity: 99.55%, Debt: 0%, Others: 0.45%
Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Technology
Top Holdings	HDFC Bank Ltd Reliance Industries Ltd ICICI Bank Ltd State Bank of India Axis Bank Ltd Larsen & Toubro Ltd ITC Ltd Bajaj Finance Ltd Infosys Ltd GE T&D India Ltd
Fund Managers	Sailesh Raj Bhan Bhavik Dave
Fund Type	Open-ended

Canara Robeco Large Cap Fund Regular-Growth

The investment objective of Canara Robeco Large Cap Fund Regular-Growth is to provide capital appreciation by predominantly investing in companies having a large market capitalization. The fund focuses mainly on a portfolio concentrated in the top 150 stocks ranked by market capitalization.

Parameters	Details
Fund Name	Canara Robeco Large Cap Fund Regular-Growth
NAV	₹ 64.15 (as on 17th December, 2025)
AUM	₹16,406.92 Crs
Expense Ratio	1.64%
Return 3 Years	16.08%
Return 5 Years	17.34%
Return 10 Years	13.87%
Minimum Investment	SIP ₹1000 & Lumpsum ₹100
Risk Level	Principal at very high risk
Launch Date	20th August, 2010
Asset Allocation	Equity: 98.35%, Others: 1.65%
Top Sectors	Real Estate Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
Top Holdings	HDFC Bank Ltd ICICI Bank Ltd Reliance Industries Ltd Bharti Airtel Ltd Infosys Ltd State Bank of India Repo Larsen & Toubro Ltd Mahindra & Mahindra Ltd Bajaj Finance Ltd
Fund Managers	Vishal Mishra Shridatta Bhandwaldar
Fund Type	Open-ended

Start An Sip Today Watch Your Money Grow

ICICI Prudential Large Cap Fund-Growth

The investment objective of the ICICI Prudential Large Cap Fund-Growth is to generate long-term capital appreciation and income distribution to unitholders from a portfolio invested predominantly in equity and equity-related securities of about 20 companies in the large-cap domain.

Parameters	Details
Fund Name	ICICI Prudential Large Cap Fund-Growth
NAV	₹ 114.42 (as on 17th December, 2025)
AUM	₹71,787.87 Crs
Expense Ratio	1.42%
Return 3 Years	19%
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

Invesco India Largecap Fund-Growth

The investment objective of the Invesco India Largecap Fund-Growth is to generate capital appreciation by investing predominantly in large-cap companies. There is no assurance that the investment objective will be achieved.

Parameters	Details
Fund Name	Invesco India Largecap Fund Regular-Growth
NAV	₹ 70.27 (as on 17th December, 2025)
AUM	₹1,528.01 Crs
Expense Ratio	2.04%
Return 3 Years	18.01%
Return 5 Years	18.47%
Return 10 Years	12.95%
Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
Risk Level	Principal at very high risk
Launch Date	21st August, 2009
Asset Allocation	Equity: 99.19%, Others: 0.81%
Top Sectors	Real Estate Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
Top Holdings	HDFC Bank Ltd ICICI Bank Ltd Infosys Ltd Bajaj Finance Ltd Kotak Mahindra Bank Ltd Larsen & Toubro Ltd Bharti Airtel Ltd Reliance Industries Ltd Eicher Motors Ltd Zomato Ltd
Fund Managers	Amit Nigam Hiten Jain
Fund Type	Open-ended

Mirae Asset Large Cap Fund Regular- Growth

The investment objective of Mirae Asset Large Cap Fund Regular- Growth is to generate long-term capital appreciation by capitalizing on potential investment opportunities through predominantly investing in equities of large-cap companies. The fund follows a combination of top-down and bottom-up approaches for stock selection, focusing on Indian economic growth and structural themes without bias towards any specific theme, sector, or style.

Parameters	Details
Fund Name	Mirae Asset Large Cap Fund Regular- Growth
NAV	₹ 116.44 (as on 17th December, 2025)
AUM	₹39,975.32 Crs
Expense Ratio	1.52%
Return 3 Years	13.72%
Return 5 Years	16.29%
Return 10 Years	13.37%
Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
Risk Level	Principal at very high risk
Launch Date	4th April, 2008
Asset Allocation	Equity: 99.5%, Debt: 0.14%, Others: 0.37%
Top Sectors	Healthcare Materials Technology Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Real Estate
Top Holdings	HDFC Bank Ltd ICICI Bank Ltd Infosys Ltd Reliance Industries Ltd ITC Ltd Bharti Airtel Ltd Tata Consultancy Services Ltd Larsen & Toubro Ltd Axis Bank Ltd Maruti Suzuki India Ltd
Fund Managers	NA
Fund Type	Open-ended

Motilal Oswal Midcap Fund Regular-Growth

The investment objective of the Motilal Oswal Midcap Fund - Growth is to achieve long-term capital appreciation by investing predominantly in a diversified portfolio of mid-cap companies that have strong business models and robust management, aiming to benefit from the growth potential of mid-sized companies.

Parameters	Details
Fund Name	Motilal Oswal Midcap Fund Regular-Growth
NAV	₹ 99.24 (as on 17th December, 2025)
AUM	₹33,608.53 Crs
Expense Ratio	1.55%
Return 3 Years	25.97%
Return 5 Years	33.24%
Return 10 Years	17.66%
Minimum Investment	SIP ₹1000 & Lumpsum ₹500
Risk Level	Principal at very high risk
Launch Date	24th February, 2014
Asset Allocation	Equity: 92.08%, Others: 7.92%
Top Sectors	Real Estate Materials Consumer Discretionary Industrials Financial Healthcare Technology
Top Holdings	Reverse Repo/CBLO Dixon Technologies (India) Ltd Persistent Systems Ltd Coforge Ltd Zomato Ltd Kalyan Jewellers India 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

Start Small & Build Your Wealth For A Brighter Tomorrow

Bandhan Infrastructure Fund Regular-Growth

The objective of this fund is to seek long-term capital growth by investing predominantly in equity and equity-related instruments of companies involved in Indian infrastructure and related activities.

Parameters	Details
Fund Name	Bandhan Infrastructure Fund Regular-Growth
NAV	₹ 47.36 (as on 17th December, 2025)
AUM	₹1,675.88 Crs
Expense Ratio	2.1%
Return 3 Years	27.17%
Return 5 Years	33.25%
Return 10 Years	15.69%
Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
Risk Level	Principal at very high risk
Launch Date	8th March, 2011
Asset Allocation	Equity: 94.26%, Debt: 0.03%, Others: 5.71%
Top Sectors	Real Estate Consumer Discretionary Industrials Diversified Energy & Utilities Financial Healthcare Materials Technology
Top Holdings	Reverse Repo Larsen & Toubro Ltd Kirloskar Brothers Ltd Bharti Airtel Ltd Reliance Industries Ltd Ultratech Cement Ltd Bharat Electronics Ltd GPT Infraprojects Ltd Interglobe Aviation Ltd PTC India Financial Services Ltd
Fund Managers	Vishal Biraia Ritika Behera Gaurav Satra
Fund Type	Open-ended

Quant Small Cap Fund-Growth

The fund aims to generate capital appreciation and long-term growth by investing in small-cap companies that exhibit growth potential, with an emphasis on reasonable valuations and strong management.

Parameters	Details
Fund Name	Quant Small Cap Fund-Growth
NAV	₹ 249.34 (as on 17th December, 2025)
AUM	₹29,462.70 Crs
Expense Ratio	1.59%
Return 3 Years	23.91%
Return 5 Years	33.42%
Return 10 Years	19.42%
Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
Risk Level	Principal at very high risk
Launch Date	24th November, 1996
Asset Allocation	Equity: 95.66%, Debt: 0.61%, Others: 3.73%
Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
Top Holdings	Reliance Industries Ltd Repo Jio Financial Services Limited RBL Bank Ltd Aegis Logistics Ltd Adani Power Ltd MIDCAPNIFTY 30/12/2025 Bikaji Foods International Ltd Anand Rathi Wealth Ltd Aster DM Healthcare Ltd
Fund Managers	Sanjeev Sharma Ankit A Pande Sandeep Tandon Varun Pattani Ayusha Kumbhat Sameer Kate Yug Tibrewal
Fund Type	Open-ended

HDFC Flexi Cap Fund Regular-Growth

Parameters	Details
Fund Name	HDFC Flexi Cap Fund Regular-Growth
NAV	₹ 2,049.09 (as on 17th December, 2025)
AUM	₹80,642.30 Crs
Expense Ratio	1.37%
Return 3 Years	23.71%
Return 5 Years	28.76%
Return 10 Years	16.17%
Minimum Investment	SIP ₹1000 & Lumpsum ₹100
Risk Level	Principal at very high risk
Launch Date	1st January, 1995
Asset Allocation	Equity: 86.18%, Debt: 0.55%, Others: 10.78%
Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
Top Holdings	Repo ICICI Bank Ltd HDFC Bank Ltd Axis Bank Ltd State Bank of India SBI Life Insurance Company Ltd Kotak Mahindra Bank Ltd Maruti Suzuki India Ltd Cipla Ltd HCL Technologies Ltd
Fund Managers	Roshi Jain Dhruv Muchhal
Fund Type	Open-ended

SBI Contra Fund-Growth

Parameters	Details
Fund Name	SBI Contra Fund-Growth
NAV	₹ 392.86 (as on 17th December, 2025)
AUM	₹46,947.01 Crs
Expense Ratio	1.49%
Return 3 Years	20.47%
Return 5 Years	28.88%
Return 10 Years	16.04%
Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
Risk Level	Principal at very high risk
Launch Date	NA
Asset Allocation	Equity: 90.85%, Debt: 4.47%, Others: 3.78%
Top Sectors	Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology Consumer Discretionary
Top Holdings	Repo Nifty Index 28-OCT-25 NIFTY 25500 Put Dec25 Nifty Index 25-11-2025 HDFC Bank Ltd Nifty Index 28-Aug-25 Reliance Industries Ltd ITC Ltd Punjab National Bank Tata Steel Ltd
Fund Managers	Dinesh Balachandran Pradeep Kesavan
Fund Type	Open-ended

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
Equity Fund SBI Life Rating	13.42%	13.12%	12.32% View Plan
Opportunities Fund HDFC Life Rating	20.53%	15.85%	14.72% View Plan
High Growth Fund Axis Max Life Rating	26.3%	21.96%	19.07% View Plan
Opportunities Fund ICICI Prudential Life Rating	16.18%	14.67%	13.16% View Plan
Multi Cap Fund Tata AIA Life Rating	29%	23.3%	20.89% View Plan
Accelerator Mid-Cap Fund II Bajaj Life Rating	17.1%	14.15%	14.15% View Plan
Multiplier Birla Sun Life Rating	18.88%	16.17%	15.54% View Plan
Pension Mid Cap Fund PNB MetLife Rating	31.41%	24.68%	18.41% View Plan
Equity II Fund Canara HSBC Life Rating	13.11%	11.58%	11.16% View Plan
US Equity Fund Star Union Dai-ichi Life Rating	15.2%	-	14.8% View Plan

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Last updated: Nov 2025

Compare more funds

Fund Name	AUM	Return 3 Years	Return 5 Years	Return 10 Years	Minimum Investment	Return Since Launch
Motilal Oswal BSE Enhanced Value Index Fund Regular - Growth	₹822.00 Crs	35.31%	N/A	N/A	₹500	35.07%
Bandhan Small Cap Fund Regular-Growth	₹14,062.19 Crs	29.34%	30.26%	N/A	₹1,000	31.59%
Motilal Oswal Midcap Fund Regular-Growth	₹33,608.53 Crs	25.97%	33.24%	17.66%	₹500	22.31%
ICICI Prudential Infrastructure Fund-Growth	₹7,941.20 Crs	28.79%	37.23%	17.14%	₹5,000	15.97%
Canara Robeco Large Cap Fund Regular-Growth	₹16,406.92 Crs	16.08%	17.34%	13.87%	₹100	12.99%
Mirae Asset Large Cap Fund Direct- Growth	₹39,975.32 Crs	14.85%	17.48%	14.46%	₹5,000	16.26%
Kotak Midcap Fund Regular-Growth	₹57,375.20 Crs	22.42%	27.51%	18.07%	₹100	15.26%
SBI Small Cap Fund-Growth	₹35,562.96 Crs	13.89%	23.99%	18.17%	₹5,000	19.25%
SBI Gold ETF	₹8,810.86 Crs	31.81%	17.85%	15.14%	₹5,000	12.57%

Last updated: Nov 2025

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Conclusion

Choosing the best SIP for long-term investing depends on your risk appetite and financial goals. Large-cap funds offer stability, mid-cap funds strike a balance between growth and risk, while small-cap funds deliver high returns for high-risk investors. Whichever category you choose, SIPs in mutual funds offer a smart, consistent, and effective route to wealth creation when invested for the long haul.

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

Years

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

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

Years

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

Monthly Investment ₹22.4 L

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Top Funds with High Returns (Past 7 Years)

12.96%

Equity Pension

15.49%

Global Equity Index Funds Strategy

19.1%

Pension Growth Super

13.16%

Opportunities Fund

20.89%

Multi Cap Fund

14.15%

Accelerator Mid-Cap Fund II

15.54%

Multiplier

14.63%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

11.16%

Equity II Fund

14.8%

US Equity Fund

15.03%

Growth Opportunities Plus Fund

11.66%

Equity Top 250 Fund

14.03%

Future Apex Fund

12.01%

Pension Dynamic Equity Fund

14.38%

Pension Enhanced Equity

FAQs

How do I select the best SIP plan for long-term goals?

Look for funds with a consistent performance record over 5-10 years, a manageable expense ratio, and a fund manager with a good track record. Diversifying across large-cap, mid-cap, and sector funds can optimize growth potential.
Is SIP good for 20 years?

Yes, SIP is highly beneficial for a 20-year investment period. Over two decades, the power of compounding significantly magnifies your wealth, allowing your returns to generate further returns. A 20-year SIP also benefits from rupee cost averaging, reducing the impact of market volatility.
What is the 7 5 3 1 rule in SIP?
The 7-5-3-1 rule in SIP investing is a simple yet powerful strategy designed to maximize long-term wealth through systematic investments. It breaks down as follows:
- 7: Stay invested for at least 7 years to benefit from compounding and market cycles.
- 5: Diversify your investments across at least 5 different mutual fund categories to reduce risk.
- 3: Prepare mentally to overcome 3 common emotional phases during investing, disappointment, irritation, and panic—to avoid rash decisions.
- 1: Increase your SIP amount by 10-12% every year (step-up SIP) to grow your corpus faster and beat inflation.