What are SIP Plans?
A Systematic Investment Plan (SIP) is a method of investing in mutual funds and market-linked funds where you invest a fixed amount of money at regular intervals, such as monthly or quarterly. This disciplined approach allows you to invest consistently regardless of market fluctuations. SIPs are particularly beneficial for long-term investors as they help average out the cost of investment over time, reducing the impact of market volatility.
- Insurance Companies
- Mutual Funds
|
Returns |
| Fund Name |
5 Years |
7 Years |
10 Years |
| SBI Life |
16.6% |
14.32% |
|
| HDFC Life |
15.72% |
- |
|
| Axis Max Life |
29.3% |
22.69% |
|
| ICICI Prudential Life |
20.5% |
- |
|
| Tata AIA Life |
25.6% |
23.54% |
|
| Bajaj Life |
20.67% |
15% |
|
| Birla Sun Life |
22.72% |
17.36% |
|
| PNB MetLife |
34.5% |
- |
|
| Canara HSBC Life |
16.34% |
12.81% |
|
| Star Union Dai-ichi Life |
14.69% |
- |
|
Fund rating powered by
Last updated: Sep 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: August 2025
Top Performing Mutual Funds SIP in India 2025 for NRIs≈
Below are the top performing mutual funds best sip plans in India for NRI:
| Fund Name |
3 Year Returns |
5 Year Returns |
10 Year Returns |
|
Aditya Birla Sun Life Frontline Equity Fund
Direct Plan-Growth |
13.32% |
17.41% |
13.11% |
Canara Robeco Bluechip Equity Fund
Direct Plan-Growth |
13.31% |
19.00% |
14.72% |
Edelweiss Large Cap Fund
Growth |
13.01% |
16.57% |
12.61% |
Franklin India Bluechip Fund
Direct-Growth |
11.11% |
16.77% |
12.05% |
ICICI Prudential Bluechip Fund
Growth |
15.70% |
18.78% |
13.68% |
Invesco India largecap Fund
Direct Plan-Growth |
14.02% |
19.13% |
14.59% |
Kotak Bluechip
Direct Growth |
13.32% |
18.27% |
14.05% |
Mirae Asset Large Cap Fund
Direct Plan-Growth |
10.82% |
15.94% |
14.20% |
PGIM India Large Cap Fund
Direct Plan-Growth |
9.87% |
14.28% |
11.83% |
UTI Large cap Fund
Growth Option - Direct |
9.51% |
16.53% |
12.46% |
Disclaimer: ≈ Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is done in alphabetical order (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
Returns Updated as of Dec 2024
Top Performing Mutual Funds SIPs in India for NRIs~
Below are the details of top mutual funds in India for SIP:
-
Mirae Asset Large Cap Fund Direct Plan-Growth
Mirae Asset Large Cap Fund focuses on Financials, Technology, Energy, and Automobiles, with key holdings like HDFC Bank and Infosys. It offers consistent returns, making it a solid choice for long-term large-cap investments.
-
NAV: ₹120.298 (as on 2025-01-02)
-
AUM: ₹39,554.76 Crs
-
1Y Returns: 14.2%
-
Returns since inception: 16.63%
-
Expense ratio: 0.55%
-
Exit load: 1.0%
-
Lock-in: NA
-
Age: 11+ years
-
Benchmark: NIFTY 100 TRI
-
Min. Investment: SIP ₹1000 & Lumpsum ₹5000
-
Category: Equity
-
Risk: Very High Risk
-
Short-term capital gains (STCG): Returns taxed at 20% if you redeem before 1 year.
-
Long-term capital gains (LTCG): After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year.
-
Franklin India Bluechip Fund Direct-Growth
Franklin India Bluechip Fund Direct-Growth is a large-cap fund that aims to generate long-term capital appreciation by investing primarily in a portfolio of large-cap stocks.
-
NAV: ₹1,087.9021 (as on 2025-01-02)
-
AUM: ₹7,847.47 Crs
-
1Y Returns: 17.7%
-
Returns since inception: 13.48%
-
Expense ratio: 1.1%
-
Exit load: 1.0%
-
Lock-in: NA
-
Age: 11+ years
-
Benchmark: NIFTY 100 TRI
-
Min. Investment: SIP ₹500 & Lumpsum ₹5000
-
Category: Equity
-
Risk: Very High
-
Short-term capital gains (STCG): Returns taxed at 20% if you redeem before 1 year.
-
Long-term capital gains (LTCG): After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year.
-
Canara Robeco Bluechip Equity Fund Direct Plan-Growth
Canara Robeco Bluechip Equity Fund Direct Plan-Growth focuses on investing in large-cap companies with strong fundamentals and long-term growth potential.
-
NAV: ₹69.62 (as on 2025-01-02)
-
AUM: ₹14,823.66 Crs
-
1Y Returns: 19.67%
-
Returns since inception: 15.68%
-
Expense ratio: 0.48%
-
Exit load: 1.0%
-
Lock-in: NA
-
Age: 11+ years
-
Benchmark: BSE 100 TRI
-
Min. Investment: SIP ₹1000 & Lump. ₹5000
-
Category: Equity
-
Risk: Very High Risk
-
Short-term capital gains (STCG): Returns taxed at 20% if you redeem before 1 year.
-
Long-term capital gains (LTCG): After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year.
-
Kotak Bluechip Direct Growth
Kotak Bluechip Direct-Growth seeks to generate long-term capital appreciation by investing primarily in a diversified portfolio of large-cap stocks.
-
NAV: ₹628.697 (as on 2025-01-02)
-
AUM: ₹9,497.92 Crs
-
1Y Returns: 18.09%
-
Returns since inception: 15.48%
-
Expense ratio: 0.6%
-
Exit load: 1.0%
-
Lock-in: NA
-
Age: 11+ years
-
Benchmark: NIFTY 100 TRI
-
Min. Investment: SIP ₹1000 & Lump. ₹5000
-
Category: Equity
-
Risk: Very High Risk
-
Short-term capital gains (STCG): Returns taxed at 20% if you redeem before 1 year.
-
Long-term capital gains (LTCG): After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year.
-
Aditya Birla Sun Life Frontline Equity Fund Direct Plan-Growth
Aditya Birla Sun Life Frontline Equity Fund Direct Plan-Growth invests primarily in a diversified portfolio of large-cap stocks with strong fundamentals and growth potential.
-
NAV: ₹553.4 (as on 2025-01-02)
-
AUM: ₹29,323.25 Crs
-
1Y Returns: 16.72%
-
Returns since inception: 15.24%
-
Expense ratio: 1.01%
-
Exit load: 1.0%
-
Lock-in: NA
-
Age: 11+ years
-
Benchmark: NIFTY 100 TRI
-
Min. Investment: SIP ₹500 & Lump. ₹1000
-
Category: Equity
-
Risk: Very High Risk
-
Short-term capital gains (STCG): Returns taxed at 20% if you redeem before 1 year.
-
Long-term capital gains (LTCG): After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year.
-
Edelweiss Large Cap Fund Growth
Edelweiss Large Cap Fund Growth invests primarily in a diversified portfolio of large-cap stocks with a focus on long-term value creation.
-
NAV: ₹81.62 (as on 2025-01-02)
-
AUM: ₹1,100.22 Crs
-
1Y Returns: 15.25%
-
Returns since inception: 14.38%
-
Expense ratio: 0.67%
-
Exit load: 1.0%
-
Lock-in: NA
-
Age: 11+ years old
-
Benchmark: NIFTY 100 TRI
-
Min. Investment: SIP ₹500 & Lump. ₹5000
-
Category: Equity
-
Risk: Very High Risk
-
Short-term capital gains (STCG): Returns taxed at 20% if you redeem before 1 year.
-
Long-term capital gains (LTCG): After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year.
-
PGIM India Large Cap Fund Direct Plan-Growth
PGIM India Large Cap Fund Direct Plan-Growth aims to generate long-term capital appreciation by investing primarily in a diversified portfolio of large-cap stocks.
-
NAV: ₹385.47 (as on 2025-01-02)
-
AUM: ₹593.54 Crs
-
1Y Returns: 12.01%
-
Returns since inception: 14.18%
-
Expense ratio: 0.87%
-
Exit load: 0.5%
-
Lock-in: NA
-
Age: 11+ years
-
Benchmark: NIFTY 100 TRI
-
Min. Investment: SIP ₹1000 & Lump. ₹5000
-
Category: Equity
-
Risk: Very High
-
Short-term capital gains (STCG): Returns taxed at 20% if you redeem before 1 year.
-
Long-term capital gains (LTCG): After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year.
-
UTI Large Cap Fund Growth Option - Direct
UTI Large cap Fund Growth Option - Direct invests primarily in a diversified portfolio of large-cap stocks with a focus on long-term capital appreciation.
-
NAV: ₹ 286.5453 (as on 2025-01-02)
-
AUM: ₹12,859.77 Crs
-
1Y Returns: 12.77%
-
Returns since inception: 14.18%
-
Expense ratio: 0.93%
-
Exit load: 1.0%
-
Lock-in: NA
-
Age: 11+ years
-
Benchmark: BSE 100 TRI
-
Min. Investment: SIP ₹500 & Lump. ₹1000
-
Category: Equity
-
Risk: Very High
-
Short-term capital gains (STCG): Returns taxed at 20% if you redeem before 1 year.
-
Long-term capital gains (LTCG): After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year.
-
ICICI Prudential Bluechip Fund Growth
ICICI Prudential Bluechip Fund Growth invests primarily in a diversified portfolio of large-cap stocks with a focus on long-term capital appreciation.
-
NAV: ₹104.31 (as on 2025-01-02)
-
AUM: ₹63,938.03 Crs
-
1Y Returns: 17.35%
-
Returns since inception: 15.15%
-
Expense ratio: 0.87%
-
Exit load: 1.0%
-
Lock-in: NA
-
Age: 11+ years
-
Benchmark: NIFTY 100 TRI
-
Min. Investment: SIP ₹500 & Lump. ₹1000
-
Category: Equity
-
Risk: Very High Risk
-
Short-term capital gains (STCG): Returns taxed at 20% if you redeem before 1 year.
-
Long-term capital gains (LTCG): After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year.
-
Invesco India Largecap Fund Direct Plan-Growth
Invesco India Largecap Fund Direct Plan-Growth invests primarily in a diversified portfolio of large-cap stocks with a focus on long-term capital appreciation.
-
NAV: ₹80.43 (as on 2025-01-02)
-
AUM: ₹1316.64 Crs
-
1Y Returns: 22.19%
-
Returns since inception: 16.3%
-
Expense ratio: 0.72%
-
Exit load: 0%
-
Lock-in: NA
-
Age: 11+ years
-
Benchmark: NIFTY 100 TRI
-
Min. Investment: SIP ₹500 & Lump. ₹1000
-
Category: Equity
-
Risk: Very High
-
Short-term capital gains (STCG): Returns taxed at 20% if you redeem before 1 year
-
Long-term capital gains (LTCG): After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year.
SIP Calculator
Monthly Investment
₹22.4 L
Top Funds with High Returns (Past 7 Years)
12.34%
Equity Pension
16.14%
Global Equity Index Funds Strategy
17.8%
High Growth Fund
15.5%
Pension India Consumption Fund
20.49%
Multi Cap Fund
14.32%
Accelerator Mid-Cap Fund II
15.62%
Multiplier
14.13%
Frontline Equity Fund
18.41%
Pension Mid Cap Fund
10.64%
Equity II Fund
13.87%
US Equity Fund
14.41%
Growth Opportunities Plus Fund
11.44%
Equity Top 250 Fund
13.41%
Future Apex Fund
11.25%
Pension Dynamic Equity Fund
13.74%
Accelerator Fund
Why Should NRIs Invest in SIPs in India?
Below are the reasons why NRI mutual fund investments are a good option:
-
Rupee Cost Averaging: SIPs help you buy more units of a mutual fund when the market is down and fewer units when it's high. This averages out your investment cost over time, reducing your overall risk.
-
Power of Compounding: By reinvesting your returns, SIPs allow you to benefit from the power of compounding, where your earnings earn more money over time.
-
Disciplined Investing: SIPs instil a habit of disciplined saving and investing, helping you achieve your financial goals consistently.
-
Affordability: SIPs allow you to start investing with small amounts, making them accessible to everyone.
-
Flexibility: You can choose the amount and frequency of your SIP investments based on your financial capacity and goals.
-
Tax Benefits: Investments in certain mutual funds through SIPs may qualify for tax deductions under Section 80C of the Income Tax Act.
-
Professional Management: When you invest in mutual funds through SIPs, you entrust your money to professional fund managers who make investment decisions on your behalf.
-
Diversification: SIPs allow you to diversify your investments across different asset classes and sectors, reducing your overall risk.
-
Long-term Wealth Creation: SIPs are a proven strategy for creating wealth over the long term, making them suitable for achieving goals like retirement planning, children's education, or buying a home.
-
Convenience: SIPs can be easily set up and managed online or through mobile apps, making investing hassle-free.
