Best 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^¶

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Best SIP Plans For Long Term in India

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	17.24%	16.67%	14.45%	₹100	12.18%
Canara Robeco Large Cap Fund Regular-Growth	₹16,406.92 Crs	13.49%	11.19%	13.51%	₹100	11.95%
ICICI Prudential Large Cap Fund-Growth	₹71,787.87 Crs	16.16%	14.63%	14.27%	₹100	14.02%
Invesco India Largecap Fund Regular-Growth	₹1,528.01 Crs	15.93%	13.17%	12.46%	₹1,000	11.84%
Mirae Asset Large Cap Fund Regular- Growth	₹39,975.32 Crs	11.6%	10.33%	12.95%	₹5,000	13.93%
Motilal Oswal Midcap Fund Regular-Growth	₹33,608.53 Crs	20.48%	22.06%	16.17%	₹500	19.38%
Bandhan Infrastructure Fund Regular-Growth	₹1,675.88 Crs	21.09%	19.58%	15.58%	₹1,000	10.29%
Quant Small Cap Fund-Growth	₹29,462.70 Crs	18.97%	23.18%	17.68%	₹5,000	12.15%
HDFC Flexi Cap Fund Regular-Growth	₹80,642.30 Crs	19.82%	19.4%	16.37%	₹100	18.27%
SBI Contra Fund-Growth	₹46,947.01 Crs	16.76%	18.59%	15.68%	₹5,000	18.31%

Details of the Best SIP plans for Long Term

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	₹ 85.24 (as on 25th March, 2026)
AUM	₹44,164.76 Crs
Expense Ratio	1.48%
Return 3 Years	17.24%
Return 5 Years	16.67%
Return 10 Years	14.45%
Minimum Investment	SIP ₹1000 & Lumpsum ₹100
Risk Level	Principal at very high risk
Launch Date	8th August, 2007
Asset Allocation	Equity: 99.27%, Debt: 0%, Others: 0.73%
Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Technology
Top Holdings	HDFC Bank Ltd ICICI Bank Ltd Reliance Industries 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	₹ 58.19 (as on 25th March, 2026)
AUM	₹16,406.92 Crs
Expense Ratio	1.67%
Return 3 Years	13.49%
Return 5 Years	11.19%
Return 10 Years	13.51%
Minimum Investment	SIP ₹1000 & Lumpsum ₹100
Risk Level	Principal at very high risk
Launch Date	20th August, 2010
Asset Allocation	Equity: 97.19%, Others: 2.81%
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 State Bank of India Infosys Ltd Bharti Airtel Ltd Larsen & Toubro Ltd Repo Mahindra & Mahindra Ltd Axis Bank Ltd
Fund Managers	Vishal Mishra Shridatta Bhandwaldar
Fund Type	Open-ended

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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	₹ 103.93 (as on 25th March, 2026)
AUM	₹71,787.87 Crs
Expense Ratio	1.41%
Return 3 Years	16.16%
Return 5 Years	14.63%
Return 10 Years	14.27%
Minimum Investment	SIP ₹1000 & Lumpsum ₹100
Risk Level	Principal at very high risk
Launch Date	23rd May, 2008
Asset Allocation	Equity: 95.31%, Debt: 2.8%, Others: 1.89%
Top Sectors	Diversified Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
Top Holdings	Reverse Repo HDFC Bank Ltd ICICI Bank Ltd Repo Reliance Industries Ltd Larsen & Toubro Ltd Axis Bank Ltd Bharti Airtel Ltd Maruti Suzuki India Ltd National Stock Exchange Of India Ltd Index ID
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	₹ 64.12 (as on 25th March, 2026)
AUM	₹1,528.01 Crs
Expense Ratio	2.04%
Return 3 Years	15.93%
Return 5 Years	13.17%
Return 10 Years	12.46%
Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
Risk Level	Principal at very high risk
Launch Date	21st August, 2009
Asset Allocation	Equity: 97.72%, Others: 2.28%
Top Sectors	Real Estate Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
Top Holdings	HDFC Bank Ltd ICICI Bank Ltd ICICI Prudential Asset Management Company Ltd. Infosys Ltd Larsen & Toubro Ltd Kotak Mahindra Bank Ltd Bajaj Finance Ltd Bharti Airtel Ltd Reliance Industries Ltd Tech Mahindra 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	₹ 104.44 (as on 25th March, 2026)
AUM	₹39,975.32 Crs
Expense Ratio	1.53%
Return 3 Years	11.6%
Return 5 Years	10.33%
Return 10 Years	12.95%
Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
Risk Level	Principal at very high risk
Launch Date	4th April, 2008
Asset Allocation	Equity: 99.2%, Debt: 0.17%, Others: 0.63%
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 Bharti Airtel Ltd ITC Ltd Larsen & Toubro Ltd Tata Consultancy Services Ltd State Bank of India Axis Bank 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	₹ 85.08 (as on 25th March, 2026)
AUM	₹33,608.53 Crs
Expense Ratio	1.6%
Return 3 Years	20.48%
Return 5 Years	22.06%
Return 10 Years	16.17%
Minimum Investment	SIP ₹1000 & Lumpsum ₹500
Risk Level	Principal at very high risk
Launch Date	24th February, 2014
Asset Allocation	Equity: 97.89%, Others: 2.11%
Top Sectors	Real Estate Materials Consumer Discretionary Industrials Financial Healthcare Technology
Top Holdings	Others CBLO Reverse Repo/CBLO Dixon Technologies (India) Ltd Persistent Systems Ltd Coforge Ltd Zomato Ltd Kalyan Jewellers India Ltd One 97 Communications Ltd Trent Ltd NIFTY 26000 Put Feb26
Fund Managers	Ajay Khandelwal Niket Shah Rakesh Shetty Sunil Sawant
Fund Type	Open-ended

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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	₹ 43.72 (as on 25th March, 2026)
AUM	₹1,675.88 Crs
Expense Ratio	2.18%
Return 3 Years	21.09%
Return 5 Years	19.58%
Return 10 Years	15.58%
Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
Risk Level	Principal at very high risk
Launch Date	8th March, 2011
Asset Allocation	Equity: 98.04%, Debt: 0.01%, Others: 1.95%
Top Sectors	Real Estate Consumer Discretionary Industrials Diversified Energy & Utilities Financial Healthcare Materials Technology
Top Holdings	Reverse Repo Larsen & Toubro Ltd Kirloskar Brothers Ltd Reliance Industries Ltd Bharti Airtel 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	₹ 229.11 (as on 25th March, 2026)
AUM	₹29,462.70 Crs
Expense Ratio	1.64%
Return 3 Years	18.97%
Return 5 Years	23.18%
Return 10 Years	17.68%
Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
Risk Level	Principal at very high risk
Launch Date	24th November, 1996
Asset Allocation	Equity: 95.36%, Debt: 5.24%, Others: -0.6%
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 Others Fixed Deposits RBL Bank Ltd Aegis Logistics Ltd Sun TV Network Ltd Adani Power Ltd MIDCAPNIFTY 30/12/2025 ICICI Bank Ltd Futures
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

The goal of this fund is to achieve long-term capital appreciation or income by maintaining a flexible portfolio mainly invested in equity and equity-related instruments across market caps.

Parameters	Details
Fund Name	HDFC Flexi Cap Fund Regular-Growth
NAV	₹ 1,893.47 (as on 25th March, 2026)
AUM	₹80,642.30 Crs
Expense Ratio	1.35%
Return 3 Years	19.82%
Return 5 Years	19.4%
Return 10 Years	16.37%
Minimum Investment	SIP ₹1000 & Lumpsum ₹100
Risk Level	Principal at very high risk
Launch Date	1st January, 1995
Asset Allocation	Equity: 90.92%, Debt: 0.51%, Others: 8.56%
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

This fund's objective is to generate long-term capital appreciation through investments in a diversified portfolio of equity securities, following a contrarian investment strategy with a focus on higher risk and return.

Parameters	Details
Fund Name	SBI Contra Fund-Growth
NAV	₹ 354.70 (as on 25th March, 2026)
AUM	₹46,947.01 Crs
Expense Ratio	1.52%
Return 3 Years	16.76%
Return 5 Years	18.59%
Return 10 Years	15.68%
Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
Risk Level	Principal at very high risk
Launch Date	NA
Asset Allocation	Equity: 90.83%, Debt: 5.32%, Others: 2.94%
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 NIFTY 27-JAN-26 FUT NIFTY 26000 Put Feb26 HDFC Bank Ltd Nifty Index 28-Aug-25 NIFTY 25000 Put Mar26 Reliance Industries 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	9.11%	10.11%	10.96% View Plan
Opportunities Fund HDFC Life Rating	13.4%	14.07%	14.02% View Plan
High Growth Fund Axis Max Life Rating	18.88%	20.25%	17.9% View Plan
Opportunities Fund ICICI Prudential Life Rating	12.04%	12.13%	12.16% View Plan
Multi Cap Fund Tata AIA Life Rating	21%	19.36%	22% View Plan
Accelerator Mid-Cap Fund II Bajaj Life Rating	13.09%	12.31%	13.59% View Plan
Multiplier Birla Sun Life Rating	15.38%	14.25%	15.15% View Plan
Virtue II PNB MetLife Rating	13.33%	15.22%	14.41% View Plan
Equity II Fund Canara HSBC Life Rating	9.31%	9%	10.09% View Plan
Blue-Chip Equity Fund Star Union Dai-ichi Life Rating	7.85%	8.65%	9.8% View Plan

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Last updated: Feb 2026

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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	31.27%	N/A	N/A	₹500	30.38%
Bandhan Small Cap Fund Regular-Growth	₹14,062.19 Crs	28.22%	21.99%	N/A	₹1,000	26.83%
Motilal Oswal Midcap Fund Regular-Growth	₹33,608.53 Crs	20.48%	22.06%	16.17%	₹500	19.38%
ICICI Prudential Infrastructure Fund-Growth	₹7,941.20 Crs	22.29%	25.32%	17.79%	₹5,000	15.17%
Canara Robeco Large Cap Fund Regular-Growth	₹16,406.92 Crs	13.49%	11.19%	13.51%	₹100	11.95%
Mirae Asset Large Cap Fund Direct- Growth	₹39,975.32 Crs	12.7%	11.44%	14.04%	₹5,000	14.92%
Kotak Midcap Fund Regular-Growth	₹57,375.20 Crs	20.13%	18.05%	17.74%	₹100	14.33%
SBI Small Cap Fund-Growth	₹35,562.96 Crs	12.35%	14.56%	17.19%	₹5,000	17.89%
SBI Gold ETF	₹8,810.86 Crs	32.32%	25.24%	16.06%	₹5,000	13.38%

Updated as of Feb 2026

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How Do Long Term SIPs Work?

Long‑term SIPs involve investing a fixed amount regularly (monthly/quarterly) in a mutual fund for many years, usually 5–15 years or more.
Each instalment buys units at the prevailing NAV, so you naturally buy more units when prices are low and fewer when they are high, reducing timing risk.
Over time, rupee‑cost averaging smoothes out market volatility and lowers your average cost per unit.
Reinvested returns earn further returns, using the power of compounding to significantly grow your corpus.
Long‑term SIPs are usually recommended in equity‑oriented funds, as markets tend to trend upward over extended periods, helping beat inflation and build wealth.
You can start with a small amount, increase it gradually (step‑up SIP), and stay invested through market ups and downs to reach long‑term goals like retirement, children’s education, or buying a house.

Long Term SIP Calculator

I know my investment amount I know my goal amount

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

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

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)

11.82%

Equity Pension

14.02%

Opportunities Fund

17.9%

High Growth Fund

12.16%

Opportunities Fund

22%

Multi Cap Fund

13.59%

Accelerator Mid-Cap Fund II

15.15%

Multiplier

13.7%

Frontline Equity Fund

14.41%

Virtue II

10.09%

Equity II Fund

9.8%

Blue-Chip Equity Fund

14.43%

Growth Opportunities Plus Fund

11.08%

Equity Top 250 Fund

11.98%

Future Opportunity Fund

10.89%

Pension Dynamic Equity Fund

13.26%

Accelerator Fund

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.

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.