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.

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SIP Plan Benefits
Start SIP with as low as ₹1000
Start SIP with as low as ₹1000
No hidden charges
No hidden charges
Save upto ₹46,800 in Tax
Save upto ₹46,800 in Taxunder section 80C^
Zero LTCG Tax
Zero LTCG Tax
Disciplined & worry-free investing
Disciplined & worry-free investing

Best SIP Funds

Tax Saving FundsLarge Cap Low Return FundsMid Cap Mid Return FundsMulti CapDebt FundsShariah FundsBalanced Funds
Payment Mode
Invest
₹ 10,000
Invest for
AUM (Cr)

₹10,929

NAV

₹119.78

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 29.3 22.69 17.8 %

View Fund
Instant tax receipt
AUM (Cr)

₹2,606

NAV

₹74.76

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.7 18.67 16 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,292

NAV

₹72.23

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.93 18.35 15.16 %

View Fund
Instant tax receipt
AUM (Cr)

₹35,507

NAV

₹78.67

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.9 17.25 14.63 %

View Fund
Instant tax receipt
AUM (Cr)

₹5,476

NAV

₹83.39

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.05 15.21 14.49 %

View Fund
Instant tax receipt
AUM (Cr)

₹426

NAV

₹71.23

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 18.17 16.32 14.49 %

View Fund
Instant tax receipt
AUM (Cr)

₹4,466

NAV

₹71.4

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.89 17.68 14.33 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,538

NAV

₹43

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.77 15.52 14.11 %

View Fund
Instant tax receipt
AUM (Cr)

₹232

NAV

₹51.91

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.7 17.5 13.98 %

View Fund
Instant tax receipt
AUM (Cr)

₹108

NAV

₹58.18

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.72 17.33 13.66 %

View Fund
Instant tax receipt
AUM (Cr)

₹2,606

NAV

₹74.76

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.7 18.67 16 %

View Fund
AUM (Cr)

₹3,292

NAV

₹72.23

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.93 18.35 15.16 %

View Fund
AUM (Cr)

₹426

NAV

₹71.23

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 18.17 16.32 14.49 %

View Fund
AUM (Cr)

₹4,466

NAV

₹71.4

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.89 17.68 14.33 %

View Fund
AUM (Cr)

₹3,538

NAV

₹43

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.77 15.52 14.11 %

View Fund
AUM (Cr)

₹232

NAV

₹51.91

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.7 17.5 13.98 %

View Fund
AUM (Cr)

₹108

NAV

₹58.18

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.72 17.33 13.66 %

View Fund
AUM (Cr)

₹7,238

NAV

₹156.91

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.74 15.4 13.54 %

View Fund
AUM (Cr)

₹12,581

NAV

₹85.15

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.74 15.18 13.15 %

View Fund
AUM (Cr)

₹830

NAV

₹30.32

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 18.45 15.74 12.21 %

View Fund
AUM (Cr)

₹10,929

NAV

₹119.78

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 29.3 22.69 17.8 %

View Fund
AUM (Cr)

₹35,507

NAV

₹78.67

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.9 17.25 14.63 %

View Fund
AUM (Cr)

₹5,476

NAV

₹83.39

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.05 15.21 14.49 %

View Fund
AUM (Cr)

₹8,754

NAV

₹65.41

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 26.08 23.7 20.56 %

View Fund
AUM (Cr)

₹9

NAV

₹10.6

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.5 15.5 %

View Fund
AUM (Cr)

₹1,006

NAV

₹75.09

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.9 17.05 14.68 %

View Fund
AUM (Cr)

₹13,497

NAV

₹71.48

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.05 16.33 13.4 %

View Fund
AUM (Cr)

₹1,104

NAV

₹55.88

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.55 15.56 12.65 %

View Fund
AUM (Cr)

₹523

NAV

₹59.38

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.28 14.63 11.57 %

View Fund
AUM (Cr)

₹264

NAV

₹29.04

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 10.48 11.45 10.89 %

View Fund
AUM (Cr)

₹823

NAV

₹41.06

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 6.02 7.81 7.57 %

View Fund
AUM (Cr)

₹480

NAV

₹38.69

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.65 7.95 7.41 %

View Fund
AUM (Cr)

₹122

NAV

₹29.77

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 6.02 7.13 7.12 %

View Fund
AUM (Cr)

₹76

NAV

₹41.38

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.55 7.35 7.11 %

View Fund
AUM (Cr)

₹189

NAV

₹47.36

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 4.93 7.23 6.99 %

View Fund
AUM (Cr)

₹18,605

NAV

₹50.26

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.46 7.25 6.93 %

View Fund
AUM (Cr)

₹7,201

NAV

₹32.53

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.03 7.01 6.92 %

View Fund
AUM (Cr)

₹91

NAV

₹39.19

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.42 7.38 6.91 %

View Fund
AUM (Cr)

₹1,043

NAV

₹47.03

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.92 7.22 6.86 %

View Fund
AUM (Cr)

₹883

NAV

₹101.21

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.79 18.03 15.4 %

View Fund
AUM (Cr)

₹354

NAV

₹49.03

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.48 12.52 10.65 %

View Fund
AUM (Cr)

₹64

NAV

₹61.68

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.15 10.91 10.17 %

View Fund
AUM (Cr)

₹5,437

NAV

₹40.86

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.58 11.62 10.1 %

View Fund
AUM (Cr)

₹478

NAV

₹105.24

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.38 11.2 10.05 %

View Fund
AUM (Cr)

₹22,111

NAV

₹74.61

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.24 11.13 9.99 %

View Fund
AUM (Cr)

₹278

NAV

₹32.43

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.5 11.05 9.96 %

View Fund
AUM (Cr)

₹821

NAV

₹40.23

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.53 11.42 9.85 %

View Fund
AUM (Cr)

₹7,378

NAV

₹112.55

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.07 11.32 9.83 %

View Fund
AUM (Cr)

₹1,915

NAV

₹44.48

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.01 11.21 9.63 %

View Fund
AUM (Cr)

₹1,295

NAV

₹81.16

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 18.09 16.03 13.79 %

View Fund
AUM (Cr)

₹7,238

NAV

₹157.26

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.62 15.44 13.6 %

View Fund
AUM (Cr)

₹2,922

NAV

₹69.71

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 16.98 15.38 13.09 %

View Fund
View More

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
Returns
Fund Name 5 Years 7 Years 10 Years
Equity Fund SBI Life
Rating
 17.08% 14.67%
11.98%
View Plan
Opportunities Fund HDFC Life
Rating
 21.9% 17.25%
14.63%
View Plan
High Growth Fund Axis Max Life
Rating
 29.3% 22.69%
17.8%
View Plan
Pension India Consumption Fund ICICI Prudential Life
Rating
 20.5% -
15.5%
View Plan
Multi Cap Fund Tata AIA Life
Rating
 26.08% 23.7%
20.56%
View Plan
Accelerator Mid-Cap Fund II Bajaj Life
Rating
 21.05% 15.21%
14.49%
View Plan
Multiplier Birla Sun Life
Rating
 23.34% 17.68%
15.7%
View Plan
Pension Mid Cap Fund PNB MetLife
Rating
 34.5% -
18.41%
View Plan
Growth Plus Fund Canara HSBC Life
Rating
 15.59% 12.97%
11.03%
View Plan
US Equity Fund Star Union Dai-ichi Life
Rating
 14.69% -
13.87%
View Plan
Fund rating powered by
Last updated: Sep 2025
Compare more funds

  Returns
Fund Name 3 Years 5 Years 10 Years
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: August 2025

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Buying the Dip Results in Higher ReturnsBuying the Dip Results in Higher Returns

Benefits of investing in HDFC Mutual Fund SIP:

benefits-sip benefits-sip

  1. 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.

    List of Investment Funds

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    People also read: HDFC NFO

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

    People also read: HDFC Life Midcap Momentum NFO

  3. 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.

    start-small-&-build-your-wealth-for-a-brighter-tomorrow start-small-&-build-your-wealth-for-a-brighter-tomorrow

  4. 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. 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 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
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Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
% Annually
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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
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Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
% Annually
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Monthly Investment ₹22.4 L
View Plans
Top Funds with High Returns (Past 7 Years)
Equity Pension
12.56%
Equity Pension
Global Equity Index Funds Strategy
16.14%
Global Equity Index Funds Strategy
High Growth Fund
17.8%
High Growth Fund
Pension India Consumption Fund
15.5%
Pension India Consumption Fund
Multi Cap Fund
20.56%
Multi Cap Fund
Accelerator Mid-Cap Fund II
14.49%
Accelerator Mid-Cap Fund II
Multiplier
15.7%
Multiplier
Frontline Equity Fund
14.33%
Frontline Equity Fund
Pension Mid Cap Fund
18.41%
Pension Mid Cap Fund
Growth Plus Fund
11.03%
Growth Plus Fund
US Equity Fund
13.87%
US Equity Fund
Growth Opportunities Plus Fund
14.68%
Growth Opportunities Plus Fund
Equity Top 250 Fund
11.57%
Equity Top 250 Fund
Future Apex Fund
13.66%
Future Apex Fund
Pension Dynamic Equity Fund
11.44%
Pension Dynamic Equity Fund
Accelerator Fund
13.98%
Accelerator 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.

SIP Hub
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SIP Calculator
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Reliance SIP calculator
Bajaj Allianz SIP Calculator
TATA SIP Calculator

˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
Disclaimer:#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. All SIPs listed here are of insurance companies’ funds. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).

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