If you want your investments to be favored in all market conditions, then take your investments SIP way! Systematic Investment Plans (SIPs) are considered to be the most efficient ways of investing in Mutual Funds. And if you are planning to invest in equities, then SIPs are the best way to make longing returns. Best equity SIP funds can give you the desirable returns in the long-term to fulfill Financial goals. So, let’s see how SIP works, benefits of SIP investment, significant use of a sip calculator along with the best performing SIP funds for equity investments.
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Ideally, when investors plan to invest in equities, they often doubt about the stability of returns. This is because they are linked to the market and are often exposed to Volatility. Thus, to balance such volatility and ensure long-term stable returns, SIPs are highly recommendable in equity investments. Historically, in bad market phase, it is noticed that investors who had taken the SIP route earned more stable returns than those who took the lump sum route. SIP’s investment is spread out over time, unlike a lump sum investment which takes place all at once. Therefore, your money in SIP starts growing each day (being invested in the stock market).
A systematic Investment plan is also widely considered to achieve long-term financial goals like Retirement planning, child’s education, purchase of a house/car or any other assets. Before we look at some more benefits of investing in a SIP, let's check some of the best equity SIP funds to invest.
Fund Selection Methodology used to find 5 funds
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) JM Core 11 Fund Growth ₹19.7352
↓ -0.01 ₹279 500 12.8 -2.1 3 14.1 13.6 -1.9 SBI Bluechip Fund Growth ₹93.5953
↓ -0.44 ₹53,527 500 8.5 -2.2 2.9 10.9 11.4 9.7 Indiabulls Blue Chip Fund Growth ₹42.68
↓ -0.14 ₹129 500 7.3 -3.2 1.6 11.4 10.3 7.5 Nippon India Large Cap Fund Growth ₹89.6751
↓ -0.19 ₹51,660 100 6.4 -4.2 0.7 14.1 15.4 9.2 ICICI Prudential Bluechip Fund Growth ₹107.94
↓ -0.48 ₹76,297 100 5.2 -6 -0.8 13.9 13.5 11.3 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Jun 26 Research Highlights & Commentary of 5 Funds showcased
Commentary JM Core 11 Fund SBI Bluechip Fund Indiabulls Blue Chip Fund Nippon India Large Cap Fund ICICI Prudential Bluechip Fund Point 1 Bottom quartile AUM (₹279 Cr). Upper mid AUM (₹53,527 Cr). Bottom quartile AUM (₹129 Cr). Lower mid AUM (₹51,660 Cr). Highest AUM (₹76,297 Cr). Point 2 Established history (18+ yrs). Oldest track record among peers (20 yrs). Established history (14+ yrs). Established history (18+ yrs). Established history (18+ yrs). Point 3 Top rated. Rating: 4★ (upper mid). Rating: 4★ (lower mid). Rating: 4★ (bottom quartile). Rating: 4★ (bottom quartile). Point 4 Risk profile: High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 13.59% (upper mid). 5Y return: 11.44% (bottom quartile). 5Y return: 10.31% (bottom quartile). 5Y return: 15.41% (top quartile). 5Y return: 13.47% (lower mid). Point 6 3Y return: 14.09% (top quartile). 3Y return: 10.86% (bottom quartile). 3Y return: 11.41% (bottom quartile). 3Y return: 14.06% (upper mid). 3Y return: 13.92% (lower mid). Point 7 1Y return: 2.98% (top quartile). 1Y return: 2.86% (upper mid). 1Y return: 1.64% (lower mid). 1Y return: 0.66% (bottom quartile). 1Y return: -0.82% (bottom quartile). Point 8 Alpha: -0.12 (bottom quartile). Alpha: 2.05 (top quartile). Alpha: 1.21 (upper mid). Alpha: 0.46 (lower mid). Alpha: -1.97 (bottom quartile). Point 9 Sharpe: -0.23 (top quartile). Sharpe: -0.26 (upper mid). Sharpe: -0.28 (lower mid). Sharpe: -0.35 (bottom quartile). Sharpe: -0.48 (bottom quartile). Point 10 Information ratio: 0.10 (lower mid). Information ratio: -0.15 (bottom quartile). Information ratio: -0.06 (bottom quartile). Information ratio: 1.03 (top quartile). Information ratio: 0.90 (upper mid). JM Core 11 Fund
SBI Bluechip Fund
Indiabulls Blue Chip Fund
Nippon India Large Cap Fund
ICICI Prudential Bluechip Fund
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Invesco India Growth Opportunities Fund Growth ₹107.01
↑ 0.74 ₹10,153 100 18.8 5.8 10.4 23.5 18.1 4.7 Kotak Equity Opportunities Fund Growth ₹349.371
↓ -0.08 ₹30,127 1,000 8.1 -0.2 5.1 15.7 14.8 5.6 DSP Equity Opportunities Fund Growth ₹619.289
↓ -0.63 ₹17,370 500 7.5 -3.1 2 17 13.7 7.1 Bandhan Core Equity Fund Growth ₹139.022
↑ 0.16 ₹17,461 100 9.8 0 7.2 21 17.4 7.5 SBI Large and Midcap Fund Growth ₹642.218
↑ 0.11 ₹39,424 500 8 -0.3 6.9 14.6 14.8 10.1 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Jun 26 Research Highlights & Commentary of 5 Funds showcased
Commentary Invesco India Growth Opportunities Fund Kotak Equity Opportunities Fund DSP Equity Opportunities Fund Bandhan Core Equity Fund SBI Large and Midcap Fund Point 1 Bottom quartile AUM (₹10,153 Cr). Upper mid AUM (₹30,127 Cr). Bottom quartile AUM (₹17,370 Cr). Lower mid AUM (₹17,461 Cr). Highest AUM (₹39,424 Cr). Point 2 Established history (18+ yrs). Established history (21+ yrs). Oldest track record among peers (26 yrs). Established history (20+ yrs). Established history (21+ yrs). Point 3 Top rated. Rating: 5★ (upper mid). Rating: 5★ (lower mid). Rating: 4★ (bottom quartile). Rating: 4★ (bottom quartile). Point 4 Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 18.06% (top quartile). 5Y return: 14.82% (lower mid). 5Y return: 13.65% (bottom quartile). 5Y return: 17.40% (upper mid). 5Y return: 14.77% (bottom quartile). Point 6 3Y return: 23.49% (top quartile). 3Y return: 15.67% (bottom quartile). 3Y return: 17.00% (lower mid). 3Y return: 21.01% (upper mid). 3Y return: 14.62% (bottom quartile). Point 7 1Y return: 10.39% (top quartile). 1Y return: 5.09% (bottom quartile). 1Y return: 1.97% (bottom quartile). 1Y return: 7.21% (upper mid). 1Y return: 6.94% (lower mid). Point 8 Alpha: 2.71 (upper mid). Alpha: -1.30 (bottom quartile). Alpha: -4.38 (bottom quartile). Alpha: 2.88 (top quartile). Alpha: 1.83 (lower mid). Point 9 Sharpe: 0.07 (upper mid). Sharpe: -0.14 (bottom quartile). Sharpe: -0.33 (bottom quartile). Sharpe: 0.10 (top quartile). Sharpe: 0.05 (lower mid). Point 10 Information ratio: 0.87 (upper mid). Information ratio: -0.30 (bottom quartile). Information ratio: 0.03 (lower mid). Information ratio: 1.61 (top quartile). Information ratio: -0.43 (bottom quartile). Invesco India Growth Opportunities Fund
Kotak Equity Opportunities Fund
DSP Equity Opportunities Fund
Bandhan Core Equity Fund
SBI Large and Midcap Fund
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Kotak Emerging Equity Scheme Growth ₹145.128
↑ 1.12 ₹64,749 1,000 15.5 6.8 10.8 20.4 18.1 1.8 Sundaram Mid Cap Fund Growth ₹1,477.45
↑ 5.28 ₹13,687 100 13.4 3.4 10.5 22.2 19 4.1 Taurus Discovery (Midcap) Fund Growth ₹118.69
↓ -0.04 ₹125 1,000 11 -1.9 -0.1 11.6 11.9 0.8 BNP Paribas Mid Cap Fund Growth ₹111.307
↑ 0.95 ₹2,461 300 13.9 6.7 12.8 19.9 16.7 2.5 HDFC Mid-Cap Opportunities Fund Growth ₹204.505
↑ 0.78 ₹97,350 300 11.1 0.8 8.4 20.4 20.4 6.8 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Jun 26 Research Highlights & Commentary of 5 Funds showcased
Commentary Kotak Emerging Equity Scheme Sundaram Mid Cap Fund Taurus Discovery (Midcap) Fund BNP Paribas Mid Cap Fund HDFC Mid-Cap Opportunities Fund Point 1 Upper mid AUM (₹64,749 Cr). Lower mid AUM (₹13,687 Cr). Bottom quartile AUM (₹125 Cr). Bottom quartile AUM (₹2,461 Cr). Highest AUM (₹97,350 Cr). Point 2 Established history (19+ yrs). Established history (23+ yrs). Oldest track record among peers (31 yrs). Established history (20+ yrs). Established history (19+ yrs). Point 3 Top rated. Rating: 4★ (upper mid). Rating: 4★ (lower mid). Rating: 3★ (bottom quartile). Rating: 3★ (bottom quartile). Point 4 Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: High. Risk profile: Moderately High. Point 5 5Y return: 18.09% (lower mid). 5Y return: 19.03% (upper mid). 5Y return: 11.93% (bottom quartile). 5Y return: 16.71% (bottom quartile). 5Y return: 20.36% (top quartile). Point 6 3Y return: 20.35% (lower mid). 3Y return: 22.20% (top quartile). 3Y return: 11.61% (bottom quartile). 3Y return: 19.95% (bottom quartile). 3Y return: 20.39% (upper mid). Point 7 1Y return: 10.77% (upper mid). 1Y return: 10.46% (lower mid). 1Y return: -0.09% (bottom quartile). 1Y return: 12.81% (top quartile). 1Y return: 8.40% (bottom quartile). Point 8 Alpha: 0.18 (upper mid). Alpha: -0.11 (lower mid). Alpha: -9.74 (bottom quartile). Alpha: 2.64 (top quartile). Alpha: -0.97 (bottom quartile). Point 9 Sharpe: 0.18 (upper mid). Sharpe: 0.17 (lower mid). Sharpe: -0.32 (bottom quartile). Sharpe: 0.34 (top quartile). Sharpe: 0.12 (bottom quartile). Point 10 Information ratio: -0.33 (lower mid). Information ratio: 0.23 (top quartile). Information ratio: -2.03 (bottom quartile). Information ratio: -0.33 (bottom quartile). Information ratio: -0.04 (upper mid). Kotak Emerging Equity Scheme
Sundaram Mid Cap Fund
Taurus Discovery (Midcap) Fund
BNP Paribas Mid Cap Fund
HDFC Mid-Cap Opportunities Fund
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Aditya Birla Sun Life Small Cap Fund Growth ₹94.4568
↑ 0.36 ₹5,453 1,000 20.5 11.4 12.2 17.1 14.2 -3.7 SBI Small Cap Fund Growth ₹175.268
↑ 0.97 ₹37,395 500 16 5.3 4.3 12.8 14.4 -4.9 DSP Small Cap Fund Growth ₹214.046
↑ 0.76 ₹18,358 500 18.8 9.8 10.4 18.5 18.4 -2.8 Nippon India Small Cap Fund Growth ₹179.992
↑ 0.77 ₹74,604 100 18.9 9.2 8.8 18.8 20.9 -4.7 Franklin India Smaller Companies Fund Growth ₹176.07
↑ 0.29 ₹13,847 500 17.4 7.1 3.8 16.4 18.4 -8.4 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Jun 26 Research Highlights & Commentary of 5 Funds showcased
Commentary Aditya Birla Sun Life Small Cap Fund SBI Small Cap Fund DSP Small Cap Fund Nippon India Small Cap Fund Franklin India Smaller Companies Fund Point 1 Bottom quartile AUM (₹5,453 Cr). Upper mid AUM (₹37,395 Cr). Lower mid AUM (₹18,358 Cr). Highest AUM (₹74,604 Cr). Bottom quartile AUM (₹13,847 Cr). Point 2 Established history (19+ yrs). Established history (16+ yrs). Established history (19+ yrs). Established history (15+ yrs). Oldest track record among peers (20 yrs). Point 3 Top rated. Rating: 5★ (upper mid). Rating: 4★ (lower mid). Rating: 4★ (bottom quartile). Rating: 4★ (bottom quartile). Point 4 Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 14.16% (bottom quartile). 5Y return: 14.37% (bottom quartile). 5Y return: 18.41% (upper mid). 5Y return: 20.90% (top quartile). 5Y return: 18.35% (lower mid). Point 6 3Y return: 17.12% (lower mid). 3Y return: 12.82% (bottom quartile). 3Y return: 18.48% (upper mid). 3Y return: 18.76% (top quartile). 3Y return: 16.40% (bottom quartile). Point 7 1Y return: 12.21% (top quartile). 1Y return: 4.31% (bottom quartile). 1Y return: 10.42% (upper mid). 1Y return: 8.83% (lower mid). 1Y return: 3.75% (bottom quartile). Point 8 Alpha: 0.00 (upper mid). Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Alpha: 2.35 (top quartile). Alpha: -2.10 (bottom quartile). Point 9 Sharpe: 0.23 (top quartile). Sharpe: -0.22 (bottom quartile). Sharpe: 0.13 (upper mid). Sharpe: 0.05 (lower mid). Sharpe: -0.15 (bottom quartile). Point 10 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: -0.24 (bottom quartile). Information ratio: -0.62 (bottom quartile). Aditya Birla Sun Life Small Cap Fund
SBI Small Cap Fund
DSP Small Cap Fund
Nippon India Small Cap Fund
Franklin India Smaller Companies Fund
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Kotak Standard Multicap Fund Growth ₹85.028
↓ -0.11 ₹54,801 500 7.2 -1.6 1.3 13.8 12.1 9.5 Mirae Asset India Equity Fund Growth ₹110.768
↓ -0.38 ₹37,692 1,000 7.3 -5.5 0.2 10.1 9.5 10.2 Motilal Oswal Multicap 35 Fund Growth ₹58.6926
↑ 0.39 ₹12,937 500 12.1 -3.9 -1.8 18.4 12.3 -5.6 BNP Paribas Multi Cap Fund Growth ₹73.5154
↓ -0.01 ₹588 300 -4.6 -2.6 19.3 17.3 13.6 Aditya Birla Sun Life Equity Fund Growth ₹1,880.23
↓ -4.46 ₹26,032 100 10.6 -0.3 6.6 16.2 12.6 11.2 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Jun 26 Research Highlights & Commentary of 5 Funds showcased
Commentary Kotak Standard Multicap Fund Mirae Asset India Equity Fund Motilal Oswal Multicap 35 Fund BNP Paribas Multi Cap Fund Aditya Birla Sun Life Equity Fund Point 1 Highest AUM (₹54,801 Cr). Upper mid AUM (₹37,692 Cr). Bottom quartile AUM (₹12,937 Cr). Bottom quartile AUM (₹588 Cr). Lower mid AUM (₹26,032 Cr). Point 2 Established history (16+ yrs). Established history (18+ yrs). Established history (12+ yrs). Established history (20+ yrs). Oldest track record among peers (27 yrs). Point 3 Top rated. Rating: 5★ (upper mid). Rating: 5★ (lower mid). Rating: 4★ (bottom quartile). Rating: 4★ (bottom quartile). Point 4 Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 12.14% (bottom quartile). 5Y return: 9.51% (bottom quartile). 5Y return: 12.30% (lower mid). 5Y return: 13.57% (top quartile). 5Y return: 12.64% (upper mid). Point 6 3Y return: 13.75% (bottom quartile). 3Y return: 10.07% (bottom quartile). 3Y return: 18.39% (top quartile). 3Y return: 17.28% (upper mid). 3Y return: 16.17% (lower mid). Point 7 1Y return: 1.28% (lower mid). 1Y return: 0.20% (bottom quartile). 1Y return: -1.78% (bottom quartile). 1Y return: 19.34% (top quartile). 1Y return: 6.65% (upper mid). Point 8 Alpha: -0.62 (lower mid). Alpha: -0.89 (bottom quartile). Alpha: -5.87 (bottom quartile). Alpha: 0.00 (upper mid). Alpha: 4.07 (top quartile). Point 9 Sharpe: -0.24 (lower mid). Sharpe: -0.40 (bottom quartile). Sharpe: -0.52 (bottom quartile). Sharpe: 2.86 (top quartile). Sharpe: 0.04 (upper mid). Point 10 Information ratio: -0.05 (bottom quartile). Information ratio: -0.60 (bottom quartile). Information ratio: 0.47 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 1.20 (top quartile). Kotak Standard Multicap Fund
Mirae Asset India Equity Fund
Motilal Oswal Multicap 35 Fund
BNP Paribas Multi Cap Fund
Aditya Birla Sun Life Equity Fund
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) DSP Natural Resources and New Energy Fund Growth ₹108.505
↓ -0.33 ₹2,457 500 2.6 13 23.4 22.3 16.6 17.5 Franklin Build India Fund Growth ₹148.126
↑ 0.38 ₹3,160 500 8.7 4.5 7.7 23.1 21.3 3.7 Aditya Birla Sun Life Banking And Financial Services Fund Growth ₹63.04
↑ 0.13 ₹3,466 1,000 9.5 -1.4 4.9 12.8 12 17.5 Bandhan Infrastructure Fund Growth ₹50.393
↑ 0.24 ₹1,495 100 15.5 5.7 2.4 20 19 -6.9 ICICI Prudential Banking and Financial Services Fund Growth ₹131.59
↓ -0.07 ₹10,643 100 6.7 -4.7 -0.7 11.3 10.7 15.9 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Jun 26 Research Highlights & Commentary of 5 Funds showcased
Commentary DSP Natural Resources and New Energy Fund Franklin Build India Fund Aditya Birla Sun Life Banking And Financial Services Fund Bandhan Infrastructure Fund ICICI Prudential Banking and Financial Services Fund Point 1 Bottom quartile AUM (₹2,457 Cr). Lower mid AUM (₹3,160 Cr). Upper mid AUM (₹3,466 Cr). Bottom quartile AUM (₹1,495 Cr). Highest AUM (₹10,643 Cr). Point 2 Oldest track record among peers (18 yrs). Established history (16+ yrs). Established history (12+ yrs). Established history (15+ yrs). Established history (17+ yrs). Point 3 Top rated. Rating: 5★ (upper mid). Rating: 5★ (lower mid). Rating: 5★ (bottom quartile). Rating: 5★ (bottom quartile). Point 4 Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: High. Point 5 5Y return: 16.61% (lower mid). 5Y return: 21.28% (top quartile). 5Y return: 12.03% (bottom quartile). 5Y return: 19.01% (upper mid). 5Y return: 10.70% (bottom quartile). Point 6 3Y return: 22.29% (upper mid). 3Y return: 23.10% (top quartile). 3Y return: 12.79% (bottom quartile). 3Y return: 19.98% (lower mid). 3Y return: 11.32% (bottom quartile). Point 7 1Y return: 23.40% (top quartile). 1Y return: 7.66% (upper mid). 1Y return: 4.89% (lower mid). 1Y return: 2.43% (bottom quartile). 1Y return: -0.69% (bottom quartile). Point 8 Alpha: 0.00 (upper mid). Alpha: 0.00 (lower mid). Alpha: 3.78 (top quartile). Alpha: 0.00 (bottom quartile). Alpha: -2.48 (bottom quartile). Point 9 Sharpe: 1.33 (top quartile). Sharpe: 0.01 (upper mid). Sharpe: -0.15 (lower mid). Sharpe: -0.26 (bottom quartile). Sharpe: -0.46 (bottom quartile). Point 10 Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.28 (top quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.01 (upper mid). DSP Natural Resources and New Energy Fund
Franklin Build India Fund
Aditya Birla Sun Life Banking And Financial Services Fund
Bandhan Infrastructure Fund
ICICI Prudential Banking and Financial Services Fund
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Tata India Tax Savings Fund Growth ₹46.2445
↑ 0.04 ₹4,516 500 10.5 0.7 6.5 14.5 13.5 4.9 Bandhan Tax Advantage (ELSS) Fund Growth ₹153.629
↓ -0.27 ₹6,767 500 7.9 -2.8 2.5 11.8 12.8 8 Aditya Birla Sun Life Tax Relief '96 Growth ₹61.06
↓ -0.20 ₹14,249 500 9.3 -2.3 3.1 13.2 8.9 9.3 DSP Tax Saver Fund Growth ₹138.177
↓ -0.44 ₹16,156 500 7 -4 0.6 16.3 13.8 7.5 HDFC Long Term Advantage Fund Growth ₹595.168
↑ 0.28 ₹1,318 500 1.2 15.4 35.5 20.6 17.4 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Jun 26 Research Highlights & Commentary of 5 Funds showcased
Commentary Tata India Tax Savings Fund Bandhan Tax Advantage (ELSS) Fund Aditya Birla Sun Life Tax Relief '96 DSP Tax Saver Fund HDFC Long Term Advantage Fund Point 1 Bottom quartile AUM (₹4,516 Cr). Lower mid AUM (₹6,767 Cr). Upper mid AUM (₹14,249 Cr). Highest AUM (₹16,156 Cr). Bottom quartile AUM (₹1,318 Cr). Point 2 Established history (11+ yrs). Established history (17+ yrs). Established history (18+ yrs). Established history (19+ yrs). Oldest track record among peers (25 yrs). Point 3 Top rated. Rating: 5★ (upper mid). Rating: 4★ (lower mid). Rating: 4★ (bottom quartile). Rating: 3★ (bottom quartile). Point 4 Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 13.52% (lower mid). 5Y return: 12.81% (bottom quartile). 5Y return: 8.90% (bottom quartile). 5Y return: 13.77% (upper mid). 5Y return: 17.39% (top quartile). Point 6 3Y return: 14.48% (lower mid). 3Y return: 11.80% (bottom quartile). 3Y return: 13.20% (bottom quartile). 3Y return: 16.32% (upper mid). 3Y return: 20.64% (top quartile). Point 7 1Y return: 6.54% (upper mid). 1Y return: 2.46% (bottom quartile). 1Y return: 3.05% (lower mid). 1Y return: 0.59% (bottom quartile). 1Y return: 35.51% (top quartile). Point 8 Alpha: 3.02 (top quartile). Alpha: -0.53 (bottom quartile). Alpha: 0.39 (lower mid). Alpha: -3.11 (bottom quartile). Alpha: 1.75 (upper mid). Point 9 Sharpe: -0.04 (upper mid). Sharpe: -0.26 (bottom quartile). Sharpe: -0.18 (lower mid). Sharpe: -0.38 (bottom quartile). Sharpe: 2.27 (top quartile). Point 10 Information ratio: 0.21 (upper mid). Information ratio: -0.60 (bottom quartile). Information ratio: -0.22 (bottom quartile). Information ratio: 0.60 (top quartile). Information ratio: -0.15 (lower mid). Tata India Tax Savings Fund
Bandhan Tax Advantage (ELSS) Fund
Aditya Birla Sun Life Tax Relief '96
DSP Tax Saver Fund
HDFC Long Term Advantage Fund
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Tata Equity PE Fund Growth ₹347.148
↓ -1.08 ₹8,346 150 6.1 -3.3 1.2 15 14.6 3.7 JM Value Fund Growth ₹94.1383
↑ 0.10 ₹805 500 13.1 -1.6 -1.6 15.5 15.9 -4.4 Aditya Birla Sun Life Pure Value Fund Growth ₹133.754
↓ -0.50 ₹6,530 1,000 13.9 4.4 8.9 17.9 15.2 2.6 HDFC Capital Builder Value Fund Growth ₹768.379
↓ -0.65 ₹7,314 300 11 0.2 5.1 17.4 15.2 8.6 Bandhan Sterling Value Fund Growth ₹146.827
↓ -0.36 ₹9,823 100 7.5 -3.4 0.6 12.8 14.5 5 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Jun 26 Research Highlights & Commentary of 5 Funds showcased
Commentary Tata Equity PE Fund JM Value Fund Aditya Birla Sun Life Pure Value Fund HDFC Capital Builder Value Fund Bandhan Sterling Value Fund Point 1 Upper mid AUM (₹8,346 Cr). Bottom quartile AUM (₹805 Cr). Bottom quartile AUM (₹6,530 Cr). Lower mid AUM (₹7,314 Cr). Highest AUM (₹9,823 Cr). Point 2 Established history (21+ yrs). Established history (29+ yrs). Established history (18+ yrs). Oldest track record among peers (32 yrs). Established history (18+ yrs). Point 3 Top rated. Rating: 4★ (upper mid). Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Rating: 3★ (bottom quartile). Point 4 Risk profile: Moderately High. Risk profile: High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 14.59% (bottom quartile). 5Y return: 15.89% (top quartile). 5Y return: 15.22% (lower mid). 5Y return: 15.25% (upper mid). 5Y return: 14.54% (bottom quartile). Point 6 3Y return: 15.04% (bottom quartile). 3Y return: 15.54% (lower mid). 3Y return: 17.94% (top quartile). 3Y return: 17.35% (upper mid). 3Y return: 12.84% (bottom quartile). Point 7 1Y return: 1.17% (lower mid). 1Y return: -1.64% (bottom quartile). 1Y return: 8.92% (top quartile). 1Y return: 5.15% (upper mid). 1Y return: 0.59% (bottom quartile). Point 8 Alpha: -1.12 (lower mid). Alpha: -5.51 (bottom quartile). Alpha: 6.66 (top quartile). Alpha: 2.21 (upper mid). Alpha: -2.02 (bottom quartile). Point 9 Sharpe: -0.27 (lower mid). Sharpe: -0.48 (bottom quartile). Sharpe: 0.14 (top quartile). Sharpe: -0.08 (upper mid). Sharpe: -0.35 (bottom quartile). Point 10 Information ratio: 0.34 (lower mid). Information ratio: 0.30 (bottom quartile). Information ratio: 0.75 (upper mid). Information ratio: 1.34 (top quartile). Information ratio: -0.20 (bottom quartile). Tata Equity PE Fund
JM Value Fund
Aditya Birla Sun Life Pure Value Fund
HDFC Capital Builder Value Fund
Bandhan Sterling Value Fund
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Axis Focused 25 Fund Growth ₹53.48
↑ 0.15 ₹10,666 500 10.5 -2 -1.3 8.3 5.5 2.5 Aditya Birla Sun Life Focused Equity Fund Growth ₹143.551
↓ -0.64 ₹7,732 1,000 7.4 -3.4 2.3 14.2 11.9 10.1 Sundaram Select Focus Fund Growth ₹264.968
↓ -1.18 ₹1,354 100 -5 8.5 24.5 17 17.3 Motilal Oswal Focused 25 Fund Growth ₹48.7009
↑ 0.51 ₹1,557 500 20.9 10.4 16.1 11 9.2 -1.7 DSP Focus Fund Growth ₹54.235
↓ -0.09 ₹2,478 500 9.3 -3.5 1.3 15 11.2 7.3 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Jun 26 Research Highlights & Commentary of 5 Funds showcased
Commentary Axis Focused 25 Fund Aditya Birla Sun Life Focused Equity Fund Sundaram Select Focus Fund Motilal Oswal Focused 25 Fund DSP Focus Fund Point 1 Highest AUM (₹10,666 Cr). Upper mid AUM (₹7,732 Cr). Bottom quartile AUM (₹1,354 Cr). Bottom quartile AUM (₹1,557 Cr). Lower mid AUM (₹2,478 Cr). Point 2 Established history (13+ yrs). Established history (20+ yrs). Oldest track record among peers (23 yrs). Established history (13+ yrs). Established history (16+ yrs). Point 3 Top rated. Rating: 4★ (upper mid). Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Rating: 3★ (bottom quartile). Point 4 Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 5.46% (bottom quartile). 5Y return: 11.94% (upper mid). 5Y return: 17.29% (top quartile). 5Y return: 9.16% (bottom quartile). 5Y return: 11.16% (lower mid). Point 6 3Y return: 8.33% (bottom quartile). 3Y return: 14.23% (lower mid). 3Y return: 17.03% (top quartile). 3Y return: 11.04% (bottom quartile). 3Y return: 14.99% (upper mid). Point 7 1Y return: -1.27% (bottom quartile). 1Y return: 2.28% (lower mid). 1Y return: 24.49% (top quartile). 1Y return: 16.12% (upper mid). 1Y return: 1.34% (bottom quartile). Point 8 Alpha: -6.68 (bottom quartile). Alpha: 0.09 (upper mid). Alpha: -5.62 (bottom quartile). Alpha: 6.10 (top quartile). Alpha: -4.56 (lower mid). Point 9 Sharpe: -0.60 (bottom quartile). Sharpe: -0.19 (lower mid). Sharpe: 1.85 (top quartile). Sharpe: 0.14 (upper mid). Sharpe: -0.47 (bottom quartile). Point 10 Information ratio: -1.12 (bottom quartile). Information ratio: 0.06 (upper mid). Information ratio: -0.52 (bottom quartile). Information ratio: -0.34 (lower mid). Information ratio: 0.17 (top quartile). Axis Focused 25 Fund
Aditya Birla Sun Life Focused Equity Fund
Sundaram Select Focus Fund
Motilal Oswal Focused 25 Fund
DSP Focus Fund
As per the Budget 2018 speech, a new Long Term Capital Gains (LTCG) tax on equity oriented Mutual Funds & stocks will be applicable from 1st April. The Finance Bill 2018 was passed by voice vote in Lok Sabha on 14th March 2018. Here’s how new income tax changes will impact the equity investments from 1st April 2018. *
LTCGs exceeding INR 1 lakh arising from redemption of Mutual Fund units or equities on or after 1st April 2018, will be taxed at 10 percent (plus cess) or at 10.4 percent. Long-term capital gains till INR 1 lakh will be exempt. For example, if you earn INR 3 lakhs in combined long-term capital gains from stocks or Mutual Fund investments in a financial year. The taxable LTCGs will be INR 2 lakh (INR 3 lakh - 1 lakh) and tax liability will be INR 20,000 (10 per cent of INR 2 lakh).
Long-term capital gains are the profit arising from selling or redemption of Equity Funds held more than a year.
If Mutual Fund units are sold before one year of holding, Short Term Capital Gains (STCGs) tax will apply. The STCGs tax has been kept unchanged at 15 percent.
| Equity Schemes | Holding Period | Tax Rate |
|---|---|---|
| Long Term Capital Gains (LTCG) | More than 1 Year | 10% (with no indexation)***** |
| Short Term Capital Gains (STCG) | Less than or equal to a year | 15% |
| Tax on Distributed Dividend | - | 10%# |
*Gains up to INR 1 lakh are free of tax. Tax at 10% applies to gains above INR 1 lakh. Earlier rate was 0% cost calculated as closing price on Jan 31, 2018. #Dividend tax of 10% + Surcharge 12% + Cess 4% =11.648% Health & Education Cess of 4% introduced. Earlier, education Cess was 3%.
Some of the important Benefits of Systematic Investment Plans are:
One of the biggest advantages that a SIP offer is Rupee Cost Averaging, which helps an individual to average out the cost of an asset purchase. While making a lump sum investment in a mutual fund a certain number of units are purchased by the investor all at once, in the case of a SIP the purchase of units is done over a long period and these are spread out equally over monthly intervals (usually). Due to the investment being spread out over time, the investment is made into the stock market at different price points giving the investor the benefit of averaging cost, hence the term rupee cost averaging.
SIPs offer the benefit of the Power of Compounding. Simple interest is when you gain interest on only the principal. In the case of compound interest, the interest amount is added to the principal, and interest is calculated on the new principal (old principal plus gains). This process continues every time. Since the mutual funds in the SIP are in instalments, they are compounded, which adds more to the initially invested sum.
SIPs are very affordable. The monthly minimum investment amount in SIP can be as low as INR 500. Some fund houses, even offer something called a “MicroSIP” where the ticket size is as low as INR 100. This gives a good option for young people to start their long-term investment at an early stage of life.
SIP calculator can be the most useful tool in your investment. It estimates the growth for your SIP investment till the time you would want to stay invested. So, before even Investing in a fund, one can predetermine their total SIP earnings via SIP calculator. The calculators normally take inputs such as the SIP investment amount one seeks to invest, the tenure of investing, expected inflation rates (one needs to account for this). The illustration of this is given below:
Let’s suppose, if you invest INR 5,000 for 10 years, see how your SIP investment grows-
Monthly Investment: INR 5,000
Investment Period: 10 years
Total Amount Invested: INR 6,00,000
Long-term Growth Rate (approx.): 14%
Expected Returns as per SIP calculator: INR 12,46,462
Net Profit: INR 6,46,462

The above calculations show that if you invest INR 5,000 monthly for 10 years (a total of INR 6,00,000) you will earn INR 12,46,462 which means the net profit you make is INR 6,46,462. Isn’t it great!