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.
-
Home
-
SIP Investment
- Best SIP for Long Term
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 | ₹53,227.04 Crs | 11.94% | 13.9% | 13.6% | ₹100 | 12.22% |
| Canara Robeco Large Cap Fund Regular-Growth | ₹16,692.31 Crs | 10.88% | 9.13% | 12.84% | ₹100 | 12.09% |
| ICICI Prudential Large Cap Fund-Growth | ₹79,420.74 Crs | 12.25% | 12.16% | 13.16% | ₹100 | 13.96% |
| Invesco India Largecap Fund Regular-Growth | ₹1,847.38 Crs | 14.61% | 11.71% | 12.57% | ₹1,000 | 12.45% |
| Mirae Asset Large Cap Fund Regular-Growth | ₹38,379.27 Crs | 9.33% | 8.48% | 12.12% | ₹5,000 | 14.08% |
| Motilal Oswal Midcap Fund Regular-Growth | ₹37,473.87 Crs | 20.96% | 22.6% | 16.8% | ₹500 | 20.78% |
| Bandhan Infrastructure Fund Regular-Growth | ₹1,545.49 Crs | 16.08% | 16.62% | 15.02% | ₹1,000 | 10.83% |
| Quant Small Cap Fund-Growth | ₹33,739.05 Crs | 18.07% | 19.75% | 20.02% | ₹5,000 | 12.9% |
| HDFC Flexi Cap Fund Regular-Growth | ₹106,495.63 Crs | 16.88% | 18.27% | 15.67% | ₹100 | 18.37% |
| SBI Contra Fund-Growth | ₹47,361.68 Crs | 11.85% | 16.05% | 14.78% | ₹5,000 | 18.28% |
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 AUM ₹53,227.04 Crs Expense Ratio 1.64% Return 3 Years 11.94% Return 5 Years 13.9% Return 10 Years 13.6% Minimum Investment SIP ₹1000 & Lumpsum ₹100 Risk Level Principal at very high risk Launch Date 8th August, 2007 Asset Allocation Equity: 98.87%, Debt: 0%, Others: 1.13% 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
- Axis Bank Ltd
- State Bank of India
- Larsen & Toubro Ltd
- Bajaj Finance Ltd
- ITC 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 AUM ₹16,692.31 Crs Expense Ratio 1.75% Return 3 Years 10.88% Return 5 Years 9.13% Return 10 Years 12.84% Minimum Investment SIP ₹1000 & Lumpsum ₹100 Risk Level Principal at very high risk Launch Date 20th August, 2010 Asset Allocation Equity: 97.26%, Others: 2.74% 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
- State Bank of India
- Infosys Ltd
- Larsen & Toubro Ltd
- Repo
- Mahindra & Mahindra Ltd
- Axis Bank Ltd
Fund Managers - Vishal Mishra
- Shridatta Bhandwaldar
Fund Type Open-ended -
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 AUM ₹79,420.74 Crs Expense Ratio 1.5% Return 3 Years 12.25% Return 5 Years 12.16% Return 10 Years 13.16% Minimum Investment SIP ₹1000 & Lumpsum ₹100 Risk Level Principal at very high risk Launch Date 23rd May, 2008 Asset Allocation Equity: 94.69%, Debt: 0.82%, Others: 4.5% 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 AUM ₹1,847.38 Crs Expense Ratio 2.19% Return 3 Years 14.61% Return 5 Years 11.71% Return 10 Years 12.57% Minimum Investment SIP ₹1000 & Lumpsum ₹1,000 Risk Level Principal at very high risk Launch Date 21st August, 2009 Asset Allocation Equity: 98.15%, Others: 1.85% 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 AUM ₹38,379.27 Crs Expense Ratio 1.7% Return 3 Years 9.33% Return 5 Years 8.48% Return 10 Years 12.12% Minimum Investment SIP ₹1000 & Lumpsum ₹5,000 Risk Level Principal at very high risk Launch Date 4th April, 2008 Asset Allocation Equity: 99.37%, Debt: 0.19%, Others: 0.44% 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 AUM ₹37,473.87 Crs Expense Ratio 1.68% Return 3 Years 20.96% Return 5 Years 22.6% Return 10 Years 16.8% Minimum Investment SIP ₹1000 & Lumpsum ₹500 Risk Level Principal at very high risk Launch Date 24th February, 2014 Asset Allocation Equity: 97.11%, Others: 2.89% 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 -
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 AUM ₹1,545.49 Crs Expense Ratio 2.24% Return 3 Years 16.08% Return 5 Years 16.62% Return 10 Years 15.02% Minimum Investment SIP ₹1000 & Lumpsum ₹1,000 Risk Level Principal at very high risk Launch Date 8th March, 2011 Asset Allocation Equity: 96.25%, Debt: 0.02%, Others: 3.04% Top Sectors - Real Estate
- Consumer Discretionary
- Industrials
- Diversified
- Energy & Utilities
- Financial
- Healthcare
- Materials
- Technology
Top Holdings - Reverse Repo
- Larsen & Toubro Ltd
- Reliance Industries Ltd
- Kirloskar Brothers Ltd
- Bharti Airtel Ltd
- Ultratech Cement Ltd
- Bharat Electronics Ltd
- GPT Infraprojects Ltd
- Interglobe Aviation Ltd
- Adani Ports and Special Economic Zone 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 AUM ₹33,739.05 Crs Expense Ratio 1.76% Return 3 Years 18.07% Return 5 Years 19.75% Return 10 Years 20.02% Minimum Investment SIP ₹1000 & Lumpsum ₹5,000 Risk Level Principal at very high risk Launch Date 24th November, 1996 Asset Allocation Equity: 86.54%, Debt: 1.31%, Others: 12.15% Top Sectors - Consumer Discretionary
- Industrials
- Consumer Staples
- Energy & Utilities
- Financial
- Healthcare
- Materials
- Real Estate
- Technology
Top Holdings - Reliance Industries Ltd
- Repo
- Net Current Assets
- Jio Financial Services Limited
- HFCL Ltd
- RBL Bank Ltd
- Others Fixed Deposits
- Adani Power Ltd
- Adani Enterprises Ltd
- Aegis Logistics 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
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 AUM ₹106,495.63 Crs Expense Ratio 1.37% Return 3 Years 16.88% Return 5 Years 18.27% Return 10 Years 15.67% Minimum Investment SIP ₹1000 & Lumpsum ₹100 Risk Level Principal at very high risk Launch Date 1st January, 1995 Asset Allocation Equity: 94.04%, Debt: 0.49%, Others: 3.25% 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
- Larsen & Toubro 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 AUM ₹47,361.68 Crs Expense Ratio 1.61% Return 3 Years 11.85% Return 5 Years 16.05% Return 10 Years 14.78% Minimum Investment SIP ₹1000 & Lumpsum ₹5,000 Risk Level Principal at very high risk Launch Date 9th May, 2005 Asset Allocation Equity: 94.3%, Debt: 3.83%, Others: 0.89% 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
- Nifty Index 28-04-2026
Fund Managers - Dinesh Balachandran
- Pradeep Kesavan
Fund Type Open-ended
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
- 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
- 1
- 2
- 3
- 4
- 6
- 7
- 8
- 9
- 11
- 12
- 13
- 14
- 16
- 17
- 18
- 19
- 21
- 22
- 23
- 24
- 26
- 27
- 28
- 30
- 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
- 1
- 2
- 3
- 4
- 6
- 7
- 8
- 9
- 11
- 12
- 13
- 14
- 16
- 17
- 18
- 19
- 21
- 22
- 23
- 24
- 26
- 27
- 28
- 30
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.
