Top 5 Benefits of Investing in HDFC Mutual Fund SIP

The best way to manage wealth and ensure long-term financial security is by investing your savings in a smart way. Although in today’s day and age there is a wide range of investment options available in the market, it often gets confusing to choose the best one according to your budget, requirement, and preferences.

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

Best SIP Funds

Tax Saving Funds Large Cap Low Return Funds Mid Cap Mid Return Funds Multi Cap Debt Funds Shariah Funds Balanced Funds

Payment Mode

Invest

₹ 10,000

Invest for

High Growth Fund

AUM (Cr)

₹9,223

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 27.23 21.07 18.4 %

View Fund

Instant tax receipt

Virtue II

AUM (Cr)

₹3,137

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24 16.86 15.03 %

View Fund

Instant tax receipt

Opportunities Fund

AUM (Cr)

₹35,672

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 25.77 14.87 14.81 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,660

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.53 16.73 14.72 %

View Fund

Instant tax receipt

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,410

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.23 12.8 14.57 %

View Fund

Instant tax receipt

Frontline Equity Fund

AUM (Cr)

₹4,206

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.16 15.33 14.24 %

View Fund

Instant tax receipt

Diversified Equity Fund

AUM (Cr)

₹3,524

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.56 13.64 14.17 %

View Fund

Instant tax receipt

Grow Money Plus Fund

AUM (Cr)

₹434

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.48 14.07 14 %

View Fund

Instant tax receipt

Accelerator Fund

AUM (Cr)

₹227

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 22.62 15.31 13.35 %

View Fund

Instant tax receipt

Pure Equity

AUM (Cr)

₹2,724

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.16 13.49 13.34 %

View Fund

Instant tax receipt

Virtue II

AUM (Cr)

₹3,137

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24 16.86 15.03 %

View Fund

Large Cap Equity Fund

AUM (Cr)

₹2,660

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.53 16.73 14.72 %

View Fund

Frontline Equity Fund

AUM (Cr)

₹4,206

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.16 15.33 14.24 %

View Fund

Diversified Equity Fund

AUM (Cr)

₹3,524

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.56 13.64 14.17 %

View Fund

Grow Money Plus Fund

AUM (Cr)

₹434

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.48 14.07 14 %

View Fund

Accelerator Fund

AUM (Cr)

₹227

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 22.62 15.31 13.35 %

View Fund

Pure Equity

AUM (Cr)

₹2,724

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.16 13.49 13.34 %

View Fund

Future Apex Fund

AUM (Cr)

₹95

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.34 15.45 13.31 %

View Fund

Pure Stock Fund

AUM (Cr)

₹6,953

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.48 13.87 13.31 %

View Fund

Growth Super Fund

AUM (Cr)

₹13,305

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.94 13.53 12.79 %

View Fund

High Growth Fund

AUM (Cr)

₹9,223

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 27.23 21.07 18.4 %

View Fund

Opportunities Fund

AUM (Cr)

₹35,672

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 25.77 14.87 14.81 %

View Fund

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,410

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.23 12.8 14.57 %

View Fund

Top 200 Fund

AUM (Cr)

₹2,188

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 30.99 21.69 17.46 %

View Fund

Growth Opportunities Plus Fund

AUM (Cr)

₹969

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 23.03 15.02 14.61 %

View Fund

Classic Opportunities Fund

AUM (Cr)

₹13,357

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.79 13.71 13.06 %

View Fund

Flexi Cap

AUM (Cr)

₹1,178

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.81 13.34 12.33 %

View Fund

Opportunities Fund

AUM (Cr)

₹3,245

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 22.68 13.38 12.32 %

View Fund

Equity Top 250 Fund

AUM (Cr)

₹535

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.87 12.12 11.48 %

View Fund

Whole Life Income Fund

AUM (Cr)

₹872

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.5 8.23 8.05 %

View Fund

Debt Fund

AUM (Cr)

₹498

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.44 8.29 7.84 %

View Fund

Conservative Fund

AUM (Cr)

₹236

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.9 8.23 7.78 %

View Fund

Income Advantage

AUM (Cr)

₹992

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.37 8.08 7.77 %

View Fund

Individual Preserver Pension Fund

AUM (Cr)

₹126

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.07 7.79 7.66 %

View Fund

Dynamic Gilt Fund

AUM (Cr)

₹209

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.59 7.8 7.57 %

View Fund

Steady Money Fund

AUM (Cr)

₹71

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.89 7.53 7.49 %

View Fund

Debt Fund

AUM (Cr)

₹97

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.08 7.77 7.44 %

View Fund

Income Fund

AUM (Cr)

₹8,125

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.66 7.36 7.37 %

View Fund

Bond Fund

AUM (Cr)

₹20,041

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.05 7.51 7.33 %

View Fund

Whole Life Aggressive Growth Fund

AUM (Cr)

₹849

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 22.67 16.46 15.31 %

View Fund

Balanced Fund

AUM (Cr)

₹367

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.23 11.44 10.81 %

View Fund

Save N Grow Money Fund

AUM (Cr)

₹63

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12 9.99 10.06 %

View Fund

Creator

AUM (Cr)

₹500

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.5 10.37 10.04 %

View Fund

Balanced Fund

AUM (Cr)

₹5,909

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.35 10.33 10.02 %

View Fund

Balancer II

AUM (Cr)

₹858

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.1 10.51 9.91 %

View Fund

Growth Fund

AUM (Cr)

₹8,010

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.56 10.6 9.89 %

View Fund

Asset Allocation Fund II

AUM (Cr)

₹297

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.69 9.76 9.68 %

View Fund

Multi Cap Balanced Fund

AUM (Cr)

₹2,007

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.34 9.59 9.55 %

View Fund

Stable Fund

AUM (Cr)

₹19

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.39 10.11 9.51 %

View Fund

Super Select Equity Fund

AUM (Cr)

₹1,239

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.68 13.36 13.91 %

View Fund

Pure Stock Fund

AUM (Cr)

₹6,953

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.8 13.86 13.69 %

View Fund

Pure Equity

AUM (Cr)

₹2,724

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.73 13.62 13.61 %

View Fund

One can’t avoid talking about mutual fund^{^^} SIP (Systematic Investment Plan) when talking about some of the smartest investment options. SIP is a simple method of investing a fixed amount of money regularly in mutual fund schemes at a pre-determined date for a specific period of time in order to create wealth over a period of time.A large number of experts and investment gurus consider it to be the most convenient way to invest their money in the market and earn good returns. And when it comes to mutual fund SIP providers, HDFC remains the clear winner.A large number of investors pin down their faith upon DFC mutual fund SIP investment scheme. We’re sure you’re wondering what’s so special about HDFC mutual fund SIP schemes. Don’t worry, simply skim through this article to understand what makes HDFC mutual fund SIP schemes so popular amongst investors. Let’s dive right in! Shall we?

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
High Growth Fund Max Life Rating	27.23%	21.07%	18.4% View Plan
Top 200 Fund Tata AIA Rating	30.99%	21.69%	17.46% View Plan
Accelerator Mid-Cap Fund II Bajaj Allianz Rating	24.23%	12.8%	14.57% View Plan
Opportunities Fund HDFC Standard Rating	25.77%	14.87%	14.81% View Plan
Growth Plus Fund Canara HSBC Oriental Bank Rating	17.51%	10.29%	10.58% View Plan
Growth Opportunities Plus Fund Bharti AXA Rating	23.03%	15.02%	14.61% View Plan
Multiplier Birla Sun Life Rating	26.67%	14.18%	15.6% View Plan
Opportunities Fund ICICI Prudential Rating	22.68%	13.38%	12.32% View Plan
Flexi Growth Fund LIC Rating	-	-	- View Plan
Virtue II PNB Metlife Rating	24%	16.86%	15.03% View Plan

Fund rating powered by

Last updated: May 2025

Compare more funds

Fund Name	3 Years	5 Years	10 Years
	Returns
Active Fund QUANT	23.92%	31.48%	21.87%
Flexi Cap Fund PARAG PARIKH	20.69%	26.41%	19.28%
Large and Mid-Cap Fund EDELWEISS	22.34%	24.29%	17.94%
Equity Opportunities Fund KOTAK	24.64%	25.01%	19.45%
Large and Midcap Fund MIRAE ASSET	19.74%	24.32%	22.50%
Flexi Cap Fund PGIM INDIA	14.75%	23.39%	-
Flexi Cap Fund DSP	18.41%	22.33%	16.91%
Emerging Equities Fund CANARA ROBECO	20.05%	21.80%	15.92%
Focused fund SUNDARAM	18.27%	18.22%	16.55%

Last updated: May 2025

Compare more funds

Buying the Dip Results in Higher Returns

Benefits of investing in HDFC Mutual Fund SIP:

Provides Discipline Investment-The key to a successful investment is discipline. With HDFC Mutual fund SIP, one can choose a fixed amount minimum (as low as Rs.500) to invest per month. Since HDFC SIP Investment for mutual funds is very flexible in nature, investors can also increase or decrease the amount of investment. With a disciplined method of investment, one can deal with the market fluctuation and can generate a higher return on investment over a long-term period. HDFC mutual fund SIP is perhaps the best investment solution for irregular investors as with a disciplined process of investment; they can easily accumulate wealth and can realize their financial goals.

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People also read: HDFC NFO

Realize Future Financial Goal-As a smart investment tool, HDFC mutual fund SIP is apt for individuals who have set financial goals for the future. For example, getting married, buying a car, funding their children’s higher education, etc. By investing a little every month through SIP, investors can create a financial cushion to easily realize their short-term or long-term goals. One can refer to the SIP calculator or the below-mentioned table, to know how SIP helps to create a financial corpus.

Per Month Savings (For 15 years)	Total Invested Amount (Rs. In Lakhs)	Rate of Return
		6.0%	8.0%	10.0%
		(Rupees in lakhs, 15 years Later)
5000	Rs.9 Lakh	14.6 17.4 20.9
4000	Rs.7.2 Lakh	11.7 13.9 16.7
3000	Rs.5.4 Lakh	8.8 10.4 12.5
2000	Rs.3.6 Lakh	5.8 7.0 8.3
1000	Rs.1.8 Lakh	2.9 3.5 4.2

*monthly installments compounded monthly for the tenure of 15 years

start-an-sip-today-watch-your-money-grow

People also read: HDFC Life Midcap Momentum NFO

Take Advantage of Rupee-Cost Averaging-Rupee-cost averaging is an effective investment strategy that can help minimize the need to time the market. Most investors often invest in stocks when the price is low and sell them when the price is fairly higher. Thus, timing the market is not only time-consuming but also riskier. On the contrary, with the advantage of rupee-cost averaging, one just needs to invest a pre-determined amount continuously for a longer period of time. Since the amount invested by an individual is constant, one can buy more units when the price is low and lesser units when the price is higher. This, in turn, results in a lower average cost per unit.
Provides Benefit of Compounding-It is more beneficial to invest a small amount regularly, rather than making one large investment. This is because the lump-sum amount saved by an individual may not earn more interest. With HDFC mutual fund SIP, the amount invested multiplies through compounding benefit as well. This means that the interest earned on the investment also earns interest. Thus, it helps investors create a wealth that comprises their own contribution along with the returns compounded, over the years.
5. Do It Effortlessly-Investing in HDFC mutual fund SIP is very simple and hassle-free. Investors just need to opt the option of auto-debit from their bank account or submit post-dated cheques. According to the amount chosen by the investors, the bank will invest the money per month in the fund option of their choice. SIP plans are completely flexible in nature. And according to one’s requirement, investors can either choose to stay invested for a minimum tenure of 6 months or can invest for as long as they want.

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 ₹22.4 L

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

View Plans

Top Funds with High Returns (Past 7 Years)

18.4%

High Growth Fund

17.46%

Top 200 Fund

14.57%

Accelerator Mid-Cap Fund II

14.81%

Opportunities Fund

10.58%

Growth Plus Fund

13.35%

Accelerator Fund

14.61%

Growth Opportunities Plus Fund

15.6%

Multiplier

11.48%

Equity Top 250 Fund

13.31%

Future Apex Fund

12.32%

Opportunities Fund

14.24%

Frontline Equity Fund

15.03%

Virtue II

10.88%

Pension Dynamic Equity Fund

11.8%

Equity Fund

10.32%

Blue-Chip Equity Fund

Wrapping it Up!!

Though SIP offers the convenience and flexibility of investing, the key objective should be avoiding short-term financial limitations and stay invested in SIP for a longer tenure. Thus, one can achieve their short-term and long-term goals by making a smart and disciplined investment choice of investing in HDFC mutual fund SIP schemes.