Best SIP to Invest for 6 Months

What is a SIP for 6 Months?

A Systematic Investment Plan (SIP) for 6 months is a short-term investment strategy in which you regularly invest a fixed amount in a market-linked fund for six consecutive months. It helps you benefit from disciplined investing, cost averaging, and potential market growth over a brief period. It gives you flexibility to reassess your financial goals at the end of the term.

Best Ultra-Short Duration SIPs to Invest for 6 Months

The Ultra-short Duration Funds are open-ended debt schemes, which are ideal for investors with a goal of a week to six months. These funds focus on low-risk instruments like treasury bills and commercial papers, offering better liquidity and stable returns:

Details of Best Ultra Short Duration SIPs to Invest for 6 Months

Below are the details of best sip plans for 6 months duration:

1. SBI Short Term Debt Fund-Growth

   The investment objective of SBI Short Term Debt Fund-Growth is to provide investors an opportunity to generate regular income through investments in a portfolio comprising predominantly of debt instruments rated not below investment grade and money market instruments, such that the duration of the portfolio is between 1 to 3 years. The fund aims to optimize returns for a short investment horizon with a balance of safety and liquidity.​

   Parameters	Details
   Fund Name	SBI Short Term Debt Fund Direct-Growth
   NAV	₹ 35.13 (as on 10th December, 2025)
   AUM	₹16,452.92 Crs
   Expense Ratio	0.4%
   Return 3 Months	1.44%
   Return 6 Months	3.95%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at moderate risk
   Launch Date	NA
   Asset Allocation	Debt: 95.81%, Others: 4.19%
   Top Holdings	GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 GOVERNMENT OF INDIA 35943 GOI 05MY35 6.33 FV RS 100 GOI Sec 7.17 17/04/2030 GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 GOVERNMENT OF INDIA 36232 GOI 21JL30 6.01 FV RS 100 SHIVSHAKTI SECURITISATION TRUST SS TRUST PTC 15SEPT25 REC LIMITED SR 245A 7.44 BD 29FB28 FVRS1LAC NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25E 7.53 BD 24MR28 FVRS1LAC Net Receivables STATE DEVELOPMENT LOAN 21326 RAJ 06FB29 8.32 FV RS 100
   Fund Managers	Pradeep Kesavan Mansi Sajeja
   Fund Type	Open-ended

2. UTI Ultra Short Duration Fund Regular-Growth

   UTI Ultra Short Duration Fund is a debt fund that aims to provide stable returns by investing in a mix of short-term debt and money market instruments. The fund typically holds securities with a duration of 3 to 6 months, offering better liquidity and lower interest rate risk.

   Parameters	Details
   Fund Name	UTI Ultra Short Duration Fund Regular-Growth
   NAV	₹ 4,348.69 (as on 10th December, 2025)
   AUM	₹4,337.24 Crs
   Expense Ratio	0.97%
   Return 3 Months	1.37%
   Return 6 Months	3.17%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹500
   Risk Level	Principal at moderate risk
   Launch Date	29th August, 2003
   Asset Allocation	Debt: 93.45%, Others: 6.55%
   Top Holdings	Net Current Assets GOVERNMENT OF INDIA 36581 182 DAYS TBILL 09AP26 FV RS 100 CANARA BANK CD 04FEB26 NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 23H 7.58 LOA 31JL26 FVRS1LAC SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR VII 7.47 BD 25NV25 FVRS10LAC HDFC BANK LIMITED CD 12MAR26 CANARA BANK CD 06MAR26 TITAN COMPANY LIMITED SR 2 7.75 NCD 03NV25 FVRS1LAC TATA COMMUNICATIONS LIMITED 7.75 NCD 29AG26 FVRS1LAC SHRIRAM FINANCE LIMITED SR PPD V OP 2 8.75 NCD 15JU26 FVRS1LAC
   Fund Managers	NA
   Fund Type	Open-ended

3. Nippon India Ultra Short Duration Fund-Growth

   The investment objective of the Nippon India Ultra Short Duration Fund-Growth is to generate optimal returns consistent with moderate levels of risk and liquidity by investing in debt and money market instruments.

   Parameters	Details
   Fund Name	Nippon India Ultra Short Duration Fund-Growth
   NAV	₹ 4,135.78 (as on 10th December, 2025)
   AUM	₹10,252.04 Crs
   Expense Ratio	1.12%
   Return 3 Months	1.41%
   Return 6 Months	3.24%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at moderate risk
   Launch Date	7th December, 2001
   Asset Allocation	Debt: 92.79%, Others: 7.18%
   Top Holdings	Repo BANK OF INDIA CD 19SEP25 NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 23 G 7.57 LOA 19MR26 FVRS1LAC POWER FINANCE CORPORATION LIMITED SR 248A 7.75 NCD 15AP26 FVRS1LAC TORRENT ELECTRICALS LIMITED 176D CP 27AUG25 AXIS BANK LIMITED CD 12NOV25 SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR IV 7.11 BD 27FB26 FVRS10LAC GOVERNMENT OF INDIA 35672 182 DAYS TBILL 04SP25 FV RS 100 VEDANTA LIMITED SR 1 9.40 NCD 20FB27 FVRS1LAC HDFC BANK LIMITED CD 06FEB26
   Fund Managers	NA
   Fund Type	Open-ended

   

4. Axis Ultra Short Duration Fund Regular-Growth

   Axis Ultra Short Term Fund is a debt mutual fund that primarily invests in short-term debt and money market instruments. It aims to deliver better returns than traditional savings accounts while maintaining capital safety. 

   Parameters	Details
   Fund Name	Axis Ultra Short Duration Fund Regular-Growth
   NAV	₹ 15.11 (as on 10th December, 2025)
   AUM	₹6,705.66 Crs
   Expense Ratio	1.2%
   Return 3 Months	1.39%
   Return 6 Months	3.18%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at moderate risk
   Launch Date	10th September, 2018
   Asset Allocation	Debt: 101.37%, Others: -1.37%
   Top Holdings	Others CBLO BANK OF BARODA CD 09JAN26 NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 23A 7.40 BD 30JN26 FVRS10LAC BANK OF INDIA CD 10MAR26 NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT CD 24MAR26 GOVERNMENT OF INDIA 36664 182 DAYS TBILL 30AP26 FV RS 100 HDFC BANK LIMITED CD 24MAR26 REC LIMITED SR 229-A 7.79 BD 29NV25 FVRS1LAC INDUSIND BANK LTD. CD 20JAN26 GODREJ PROPERTIES LIMITED SR A 8.15 LOA 03JL26 FVRS1LAC
   Fund Managers	Hardik Shah Sachin Jain
   Fund Type	Open-ended

5. ICICI Prudential Ultra Short Term Fund-Growth

   ICICI Prudential Ultra Short Term Fund is a debt mutual fund focused on investing in short-term debt securities and money market instruments. It aims to provide investors with regular income and capital preservation while minimizing interest rate risk.

   Parameters	Details
   Fund Name	ICICI Prudential Ultra Short Term Fund-Growth
   NAV	₹ 28.48 (as on 10th December, 2025)
   AUM	₹16,382.40 Crs
   Expense Ratio	0.8%
   Return 3 Months	1.51%
   Return 6 Months	3.45%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at moderate risk
   Launch Date	3rd May, 2011
   Asset Allocation	Debt: 74.03%, Others: 25.97%
   Top Holdings	Cash Margin Repo CENTRAL GOVERNMENT LOAN 30814 GOI FRB 04OT28 FV RS 100 Reverse Repo LIC HOUSING FINANCE LIMITED TR 428 7.82 LOA 28NV25 FVRS10LAC NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 23H 7.58 LOA 31JL26 FVRS1LAC RADHAKRISHNA SECURITISATION TRUST RK TRUST PTC 15SEPT25 GOVERNMENT OF INDIA 35709 182 DAYS TBILL 11SP25 FV RS 100 GOVERNMENT OF INDIA 35986 182 DAYS TBILL 13NV25 FV RS 100 NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 23A 7.40 BD 30JN26 FVRS10LAC
   Fund Managers	Manish Banthia Ritesh Lunawat
   Fund Type	Open-ended

6. Tata Ultra Short Term Fund Regular - Growth

   Tata Ultra Short Term Fund is a debt mutual fund that invests primarily in short-term debt instruments and money market securities. This fund focuses on high-quality securities and aims to deliver returns that exceed traditional savings accounts, making it an attractive choice for conservative investors looking for stability in their portfolio.

   Parameters	Details
   Fund Name	Tata Ultra Short Term Fund Regular - Growth
   NAV	₹ 14.53 (as on 10th December, 2025)
   AUM	₹4,610.86 Crs
   Expense Ratio	1.14%
   Return 3 Months	1.38%
   Return 6 Months	3.11%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at moderate risk
   Launch Date	22nd January, 2019
   Asset Allocation	Debt: 101.04%, Others: -1.04%
   Top Holdings	NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 23F 7.5 BD 17DC25 FVRS10LAC BANK OF INDIA CD 10MAR26 UNION BANK OF INDIA CD 26MAY26 GOVERNMENT OF INDIA 36027 182 DAYS TBILL 27NV25 FV RS 100 BANK OF BARODA CD 27JAN26 HDFC BANK LIMITED CD 19SEP25 SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR V 7.23 LOA 09MR26 FVRS10LAC NTPC LIMITED SR 81 7.48 NCD 21MR26 FVRS1LAC GOVERNMENT OF INDIA 36064 182 DAYS TBILL 11DC25 FV RS 100 GOVERNMENT OF INDIA 36336 182 DAYS TBILL 19FB26 FV RS 100
   Fund Managers	Abhishek Sonthalia Akhil Mittal
   Fund Type	Open-ended

Taxation on Best SIP for 6 Months in India

• For SIPs with a 6-month investment horizon, gains are treated as short-term capital gains (STCG) because the holding period is less than one year.

• For equity mutual funds, STCG is taxed at a flat rate of 20% as per the new rules effective from FY 2025-26, plus applicable surcharge and cess.

• For debt mutual funds, short-term gains (holding period less than 36 months) are taxed as per your income tax slab rate.

• Each SIP installment is considered a separate investment and taxed based on its individual holding period (FIFO method).

• Dividends received from mutual funds are added to your total income and taxed as per your income tax slab.

• No specific tax exemption is available for SIPs in non-ELSS funds for such a short duration.

• Always consider the latest tax slab and surcharge rates applicable to your total income for accurate tax calculation.

• The ELSS SIPs provide tax deductions under Section 80C up to ₹1.5 lakh with a 3-year lock-in.

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

• 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

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

• 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

View Plans

Top Funds with High Returns (Past 7 Years)

13.14%

Equity Pension

15.49%

Global Equity Index Funds Strategy

19.07%

High Growth Fund

13.4%

Opportunities Fund

20.92%

Multi Cap Fund

14.34%

Accelerator Mid-Cap Fund II

15.75%

Multiplier

14.7%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

11.43%

Growth Plus Fund

14.8%

US Equity Fund

15.18%

Growth Opportunities Plus Fund

11.82%

Equity Top 250 Fund

14.24%

Future Apex Fund

12.18%

Pension Dynamic Equity Fund

14.6%

Pension Enhanced Equity

Why Should You Invest in the Best SIP for 6 Months?

The following list shows the key benefits of ultra-short-term and short duration SIPs to invest for 6 months:

• Short-Term Goals: The SIP for 6 months is ideal for investors looking to achieve short-term financial objectives or save for specific expenses.

• Market Timing: It provides an opportunity to capitalize on market fluctuations within a shorter investment horizon.

• Sufficient Returns: These funds have the potential for attractive returns over a brief investment period, especially in equity-focused funds.

• Accrual Returns: You benefit from regular income through accrual returns from debt instruments within the portfolio.

• Reduced Risk: SIPs for 6 months mitigate market volatility through systematic investments, averaging out costs over time.

• No Exit Load: Many short-term SIPs do not impose exit loads, allowing for hassle-free withdrawals.

• Liquidity: The shorter investment duration allows easier access to funds after the investment period ends.

• Flexibility: You can adjust your investment strategy based on market performance and personal financial goals.

• Tax Efficiency: Short-term investments in equity may yield returns with a favorable tax rate compared to traditional savings instruments.

Factors to Consider Before Investing in Best SIP for 6 Months

You must consider the following factors before you select the best SIP Plans to invest for 6 months for you: 

• Fund Type: Choose between equity, debt, or hybrid funds based on risk appetite and return expectations.

• Historical Performance: Analyze the fund’s past performance to assess its consistency in delivering returns.

• Expense Ratio: Opt for funds with a lower expense ratio to maximize your returns.

• Market Conditions: Consider prevailing market trends and interest rates to choose the right asset allocation.

• Fund Manager’s Expertise: Review the fund manager’s track record and investment strategy for managing short-term SIPs.

• Exit Load: Ensure the fund does not impose an exit load, which can affect short-term returns.

• Sector Allocation: Check the fund’s sector exposure to ensure diversification and potential for higher returns.

In Summary

When choosing the best SIP for a 6-month investment, it is crucial to remember that SIPs are typically designed for long-term growth. For short-term goals, you may want to explore less volatile options like liquid or ultra-short-term funds, which offer stability and modest returns. Always assess your risk tolerance and financial objectives before investing.