How Best SIP Plans Work?
Regularly investing a fixed amount over a long period is key to being a successful SIP investor. The longer you stay invested, the more returns you yield. For example,
Assume you make a monthly SIP of Rs. 10,000 in a mutual fund with 14% Annualised Returns for 5, 10, 15 and 20 years.
| Time Period |
Total Investment |
Value @ 14% CAGR |
Wealth Accumulated |
| 5 Years |
₹6 Lakhs |
₹8.72 Lakhs |
₹2.72 Lakhs |
| 10 Years |
₹12 Lakhs |
₹26.21 Lakhs |
₹14.21 Lakhs |
| 15 Years |
₹18 Lakhs |
₹61.29 Lakhs |
₹43.29 Lakhs |
| 20 Years |
₹24 Lakhs |
₹1.31 Crores |
₹1.07 Crores |
Hence proved, the longer you invest, the better you save for the future. There is a wide range of mutual fund SIP plans available. The SIP Calculator can help you easily calculate your SIP returns without any hassle. Let us take a look at the list of best SIPs to invest in 2025 in India:
Details of Mutual Fund Schemes for Best Mutual Fund Plans
Key details for selecting the best SIP plans are as follows:
-
Quant Multi Cap Fund Regular-Growth
The investment objective of the Quant Multi Cap Fund Regular-Growth is to generate long-term capital appreciation and current income by investing in equity and equity-related instruments across large-cap, mid-cap, and small-cap companies.
-
Motilal Oswal Midcap Fund Regular-Growth
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.
-
SBI PSU Fund-Growth
The investment objective of SBI PSU Fund - Growth is to provide opportunities for long-term growth through active management of investments in diversified equity stocks of domestic Public Sector Undertakings (PSUs) and in debt and money market instruments issued by PSUs and others.
-
HDFC Infrastructure Fund Regular-Growth
The investment objective of HDFC Infrastructure Fund Regular-Growth is to seek long-term capital appreciation by investing predominantly in equity and equity-related securities of companies engaged in or expected to benefit from the growth and development of infrastructure.
-
ICICI Prudential India Opportunities Fund-Growth
The investment objective of ICICI Prudential India Opportunities Fund - Growth is to create wealth over the long term by investing in stocks going through temporary challenges. The fund aims to leverage investment opportunities arising due to government policy changes, corporate restructuring, and other special situations.
-
Nippon India Small Cap Fund Regular- Growth
The scheme seeks to generate long-term capital appreciation by investing predominantly in equity and equity-related instruments of small-cap companies. The secondary objective is to generate consistent returns by investing in debt and money market securities.
- Insurance Companies
- Mutual Funds
|
Returns |
| Fund Name |
5 Years |
7 Years |
10 Years |
| SBI Life |
14.63% |
13.77% |
|
| HDFC Life |
19.31% |
16.44% |
|
| Axis Max Life |
28% |
22.7% |
|
| ICICI Prudential Life |
17.51% |
15.29% |
|
| Tata AIA Life |
23.22% |
22.69% |
|
| Bajaj Life |
18.73% |
14.53% |
|
| Birla Sun Life |
20.95% |
16.81% |
|
| PNB MetLife |
31.41% |
24.68% |
|
| Canara HSBC Life |
13.51% |
12.24% |
|
| Star Union Dai-ichi Life |
16.95% |
- |
|
Fund rating powered by
Last updated: Oct 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% |
|
Last updated: October 2025
Features and Benefits of SIP in Mutual Funds
Following are some of the key features of SIP in mutual funds in 2024 in India:
- Regular Investment: SIP allows you to make regular, fixed investments at predetermined intervals.
- Flexible Investment Amounts: You can choose the amount you want to invest, making it flexible to suit your individual budget.
- Rupee Cost Averaging: SIP helps average out the cost of units over time, reducing the impact of market volatility on investments.
- Power of Compounding: SIP harnesses the compounding effect, as returns are reinvested, leading to potential long-term wealth creation.
- Auto-Debit Facility: Funds are automatically debited from your account, promoting discipline in regular investing.
- Affordability: SIPs are affordable, making mutual fund investments accessible to a wide range of investors.
- Professional Fund Management: Funds are managed by professional fund managers, leveraging their expertise for optimal returns.
- Liquidity: You can redeem units partially or fully at any time, providing liquidity as needed.
- Goal-Based Investing: SIPs can be aligned with specific financial goals, such as education or retirement planning.
- Tax Benefits: Equity Linked Savings Scheme (ELSS) SIPs offer tax benefits under Section 80C of the Income Tax Act.
SIP Calculator
Monthly Investment
₹22.4 L
Top Funds with High Returns (Past 7 Years)
13.09%
Equity Pension
15.49%
Global Equity Index Funds Strategy
19.4%
High Growth Fund
13.28%
Opportunities Fund
21%
Multi Cap Fund
14.34%
Accelerator Mid-Cap Fund II
15.94%
Multiplier
14.65%
Frontline Equity Fund
18.41%
Pension Mid Cap Fund
11.34%
Growth Plus Fund
14.82%
US Equity Fund
15%
Growth Opportunities Plus Fund
11.75%
Equity Top 250 Fund
14.12%
Future Apex Fund
12.02%
Pension Dynamic Equity Fund
14.47%
Pension Enhanced Equity
How to Start SIP in Best Mutual Fund Plans in India in 2025?
Follow the steps mentioned below to start a SIP in the best mutual fund plan:
-
Organize Your Documents:
- Gather essential documents: ID Proof, PAN Card, and Address Proof.
- Verify bank account details and ensure compliance with KYC rules.
- Keep a copy of your passport or driving license if investing in instruments other than cash.
-
Complete KYC Requirements:
- Fill out a KYC application form at an authorized bank or post office.
- Alternatively, complete KYC online by providing personal details, photo ID proofs, and investment preferences.
-
Register with a Broker or Financial Advisor:
- Sign up with an Indian broker or financial advisor of your choice.
- Once registered, explore various SIP investment plans based on your requirements and risk tolerance.
-
Choose the Right Investment Plan:
- Assess your risk tolerance, desired number of units, and investor type.
- Select a SIP plan that aligns with your financial goals and preferences.
-
Determine Investment Amount:
- Decide the monthly or weekly investment amount based on your financial objectives.
- Consider your liquidity needs and overall investment value.
-
Select a Convenient SIP Date:
- Choose a date that suits your convenience for initiating SIP transactions.
- You can select different dates for various SIPs within the same month.
-
Submit the Application Form:
- Submit your SIP application form online or offline, depending on the fund house.
- If applying online, complete the ADF and submit it through your existing Demat account or opt for e-mandate/billpay/e-nach payment options.
-
Start Investing:
- Begin your SIP investment journey, either through automatic deposits or manual submissions.
- Utilize online platforms or visit the bank to ensure a hassle-free submission process.
Summing It Up!
Starting a Systematic Investment Plan (SIP) in the best mutual fund plans is a prudent financial decision. This disciplined approach to investing offers the potential for long-term wealth creation, capitalising on the power of compounding. By carefully selecting top-performing mutual funds and consistently contributing over time, you can navigate market fluctuations and work towards achieving your financial goals with confidence.
