SIP or Systematic Investment plan is one of the best ways to invest in Mutual Funds. It is a smart and hassle-free mode of Investing your money in Mutual Fund schemes. Here, you can invest a certain pre-determined amount at a regular interval (monthly/quarterly, etc.). As you can start your SIP investment with just INR 500, it makes the most affordable means of investment. Your money is auto-debited from your Bank account and invested into the scheme, which indirectly creates a habit of savings in the long-run. SIP investments are a great way to plan your Financial goals. You need to set a specific goal and estimate the time and amount required to fulfil it. Below are the best mutual funds for SIP based on the investment tenure and risk appetite. Investors can target their investment goals and achieve them on time by investing in these schemes.
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Fund Selection Methodology used to find 5 funds
Equity Funds are expected to deliver high returns in the long-run, but are risky funds. Investors who can invest for more than 5 years are advised to invest in equity funds. One can also plan their long-term financial goals by investing in these funds.
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) ICICI Prudential Infrastructure Fund Growth ₹202.32
↓ -2.57 ₹8,550 100 -0.2 7 1.7 19.9 23.2 6.7 SBI PSU Fund Growth ₹34.4177
↓ -0.17 ₹6,684 500 -6.1 1.3 6.9 24.1 23.1 11.3 LIC MF Infrastructure Fund Growth ₹53.8358
↓ -0.59 ₹1,137 1,000 4.2 15.6 6.4 25.1 22.4 -3.7 DSP India T.I.G.E.R Fund Growth ₹360.496
↓ -2.11 ₹6,264 500 4.9 19.6 13.4 23 21.9 -2.5 Nippon India Power and Infra Fund Growth ₹379.336
↓ -2.44 ₹8,043 100 0.4 16.1 9.2 21.1 21.8 -0.5 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 Jul 26 Research Highlights & Commentary of 5 Funds showcased
Commentary ICICI Prudential Infrastructure Fund SBI PSU Fund LIC MF Infrastructure Fund DSP India T.I.G.E.R Fund Nippon India Power and Infra Fund Point 1 Highest AUM (₹8,550 Cr). Lower mid AUM (₹6,684 Cr). Bottom quartile AUM (₹1,137 Cr). Bottom quartile AUM (₹6,264 Cr). Upper mid AUM (₹8,043 Cr). Point 2 Established history (20+ yrs). Established history (16+ yrs). Established history (18+ yrs). Oldest track record among peers (22 yrs). Established history (22+ yrs). Point 3 Rating: 3★ (lower mid). Rating: 2★ (bottom quartile). Not Rated. Top rated. Rating: 4★ (upper mid). Point 4 Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: High. Point 5 5Y return: 23.18% (top quartile). 5Y return: 23.10% (upper mid). 5Y return: 22.44% (lower mid). 5Y return: 21.92% (bottom quartile). 5Y return: 21.78% (bottom quartile). Point 6 3Y return: 19.94% (bottom quartile). 3Y return: 24.12% (upper mid). 3Y return: 25.08% (top quartile). 3Y return: 23.03% (lower mid). 3Y return: 21.11% (bottom quartile). Point 7 1Y return: 1.75% (bottom quartile). 1Y return: 6.87% (lower mid). 1Y return: 6.42% (bottom quartile). 1Y return: 13.44% (top quartile). 1Y return: 9.20% (upper mid). Point 8 Alpha: 0.00 (lower mid). Alpha: -0.30 (bottom quartile). Alpha: 8.41 (upper mid). Alpha: 0.00 (bottom quartile). Alpha: 8.81 (top quartile). Point 9 Sharpe: -0.07 (bottom quartile). Sharpe: 0.12 (bottom quartile). Sharpe: 0.22 (lower mid). Sharpe: 0.44 (top quartile). Sharpe: 0.24 (upper mid). Point 10 Information ratio: 0.00 (lower mid). Information ratio: -0.11 (bottom quartile). Information ratio: 0.58 (top quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.56 (upper mid). ICICI Prudential Infrastructure Fund
SBI PSU Fund
LIC MF Infrastructure Fund
DSP India T.I.G.E.R Fund
Nippon India Power and Infra Fund
Debt funds are a good way to secure your money and generate average consistent returns. Investors who are looking for stable returns or those who want to invest for less than three years should consider investing in these funds.
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Sundaram Short Term Debt Fund Growth ₹36.3802
↑ 0.01 ₹362 250 0.8 11.4 12.8 5.3 4.52% 1Y 2M 13D 1Y 7M 3D Sundaram Low Duration Fund Growth ₹28.8391
↑ 0.01 ₹550 1,000 1 10.2 11.8 5 4.19% 5M 18D 8M 1D Aditya Birla Sun Life Credit Risk Fund Growth ₹25.1966
↓ 0.00 ₹1,461 100 2.2 4.6 11.7 12.1 13.4 7.98% 2Y 29D 2Y 9M 4D DSP Credit Risk Fund Growth ₹54.8374
↓ -0.01 ₹275 500 1.7 7.8 9.9 16 21 7.73% 2Y 1M 28D 2Y 10M 17D Aditya Birla Sun Life Medium Term Plan Growth ₹43.5514
↓ -0.01 ₹3,213 1,000 2.2 3.9 8.3 9.8 10.9 8.05% 3Y 1M 20D 4Y 7M 24D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Dec 21 Research Highlights & Commentary of 5 Funds showcased
Commentary Sundaram Short Term Debt Fund Sundaram Low Duration Fund Aditya Birla Sun Life Credit Risk Fund DSP Credit Risk Fund Aditya Birla Sun Life Medium Term Plan Point 1 Bottom quartile AUM (₹362 Cr). Lower mid AUM (₹550 Cr). Upper mid AUM (₹1,461 Cr). Bottom quartile AUM (₹275 Cr). Highest AUM (₹3,213 Cr). Point 2 Oldest track record among peers (23 yrs). Established history (19+ yrs). Established history (11+ yrs). Established history (23+ yrs). Established history (17+ yrs). Point 3 Rating: 2★ (lower mid). Rating: 2★ (bottom quartile). Not Rated. Top rated. Rating: 4★ (upper mid). Point 4 Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Point 5 1Y return: 12.83% (top quartile). 1Y return: 11.79% (upper mid). 1Y return: 11.74% (lower mid). 1Y return: 9.88% (bottom quartile). 1Y return: 8.29% (bottom quartile). Point 6 1M return: 0.20% (bottom quartile). 1M return: 0.28% (bottom quartile). 1M return: 0.97% (upper mid). 1M return: 1.15% (top quartile). 1M return: 0.83% (lower mid). Point 7 Sharpe: 0.98 (bottom quartile). Sharpe: 0.99 (lower mid). Sharpe: 1.95 (top quartile). Sharpe: 0.76 (bottom quartile). Sharpe: 1.29 (upper mid). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 4.52% (bottom quartile). Yield to maturity (debt): 4.19% (bottom quartile). Yield to maturity (debt): 7.98% (upper mid). Yield to maturity (debt): 7.73% (lower mid). Yield to maturity (debt): 8.05% (top quartile). Point 10 Modified duration: 1.20 yrs (upper mid). Modified duration: 0.47 yrs (top quartile). Modified duration: 2.08 yrs (lower mid). Modified duration: 2.16 yrs (bottom quartile). Modified duration: 3.14 yrs (bottom quartile). Sundaram Short Term Debt Fund
Sundaram Low Duration Fund
Aditya Birla Sun Life Credit Risk Fund
DSP Credit Risk Fund
Aditya Birla Sun Life Medium Term Plan
Balanced Fund invest their money both in equity and debt funds. These are less volatile than pure equity Mutual Funds. Balanced funds deliver superior returns over a period of more than three years. Investors who want to invest in equity funds, balanced funds are a great way to start off with.
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) BOI AXA Mid and Small Cap Equity and Debt Fund Growth ₹41.84
↓ -0.22 ₹1,695 1,000 4 12.9 7.8 18 14 -0.9 Sundaram Equity Hybrid Fund Growth ₹135.137
↑ 0.78 ₹1,954 100 0.5 10.5 27.1 16 14.2 SBI Multi Asset Allocation Fund Growth ₹66.5634
↓ -0.41 ₹19,354 500 0.7 0.7 10.6 15.4 13.1 18.6 ICICI Prudential Multi-Asset Fund Growth ₹810.593
↑ 0.84 ₹84,991 100 -0.2 0 6.5 15.3 17.5 18.6 UTI Multi Asset Fund Growth ₹78.4242
↓ -0.26 ₹6,890 500 0.4 -1.2 5 15.2 13.2 11.1 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 Jul 26 Research Highlights & Commentary of 5 Funds showcased
Commentary BOI AXA Mid and Small Cap Equity and Debt Fund Sundaram Equity Hybrid Fund SBI Multi Asset Allocation Fund ICICI Prudential Multi-Asset Fund UTI Multi Asset Fund Point 1 Bottom quartile AUM (₹1,695 Cr). Bottom quartile AUM (₹1,954 Cr). Upper mid AUM (₹19,354 Cr). Highest AUM (₹84,991 Cr). Lower mid AUM (₹6,890 Cr). Point 2 Established history (10+ yrs). Oldest track record among peers (26 yrs). Established history (20+ yrs). Established history (23+ yrs). Established history (17+ yrs). Point 3 Not Rated. Rating: 2★ (upper mid). Top rated. Rating: 2★ (lower mid). Rating: 1★ (bottom quartile). Point 4 Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderate. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 13.96% (lower mid). 5Y return: 14.20% (upper mid). 5Y return: 13.15% (bottom quartile). 5Y return: 17.46% (top quartile). 5Y return: 13.24% (bottom quartile). Point 6 3Y return: 18.04% (top quartile). 3Y return: 16.03% (upper mid). 3Y return: 15.40% (lower mid). 3Y return: 15.26% (bottom quartile). 3Y return: 15.23% (bottom quartile). Point 7 1Y return: 7.84% (lower mid). 1Y return: 27.10% (top quartile). 1Y return: 10.59% (upper mid). 1Y return: 6.54% (bottom quartile). 1Y return: 5.02% (bottom quartile). Point 8 1M return: -0.52% (bottom quartile). 1M return: 1.80% (top quartile). 1M return: -0.14% (bottom quartile). 1M return: 0.73% (upper mid). 1M return: -0.02% (lower mid). Point 9 Alpha: 0.00 (upper mid). Alpha: 5.81 (top quartile). Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Alpha: 0.00 (bottom quartile). Point 10 Sharpe: 0.17 (lower mid). Sharpe: 2.64 (top quartile). Sharpe: 0.53 (upper mid). Sharpe: 0.01 (bottom quartile). Sharpe: -0.11 (bottom quartile). BOI AXA Mid and Small Cap Equity and Debt Fund
Sundaram Equity Hybrid Fund
SBI Multi Asset Allocation Fund
ICICI Prudential Multi-Asset Fund
UTI Multi Asset Fund
"The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of MLIIF - WGF. The Scheme may, at the discretion of the Investment Manager, also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or units of money market/liquid schemes of DSP Merrill Lynch Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized." Research Highlights for DSP World Gold Fund Below is the key information for DSP World Gold Fund Returns up to 1 year are on The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of BGF – USFEF. The Scheme may, at the discretion of the Investment Manager also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or money market/liquid schemes of DSP BlackRock Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized. It shall be noted ‘similar overseas mutual fund schemes’ shall have investment objective, investment strategy and risk profile/consideration similar to those of BGF – USFEF. Research Highlights for DSP US Flexible Equity Fund Below is the key information for DSP US Flexible Equity Fund Returns up to 1 year are on The primary investment objective of the Scheme is to seek to provide long term capital growth by investing predominantly in the JPMorgan Funds - Emerging Markets Opportunities Fund, an equity fund which invests primarily in an aggressively managed portfolio of emerging market companies Research Highlights for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund Below is the key information for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund Returns up to 1 year are on The investment objective of the scheme is to provide long term growth from a portfolio of equity / equity related instruments of companies engaged either directly or indirectly in the infrastructure sector. Research Highlights for LIC MF Infrastructure Fund Below is the key information for LIC MF Infrastructure Fund Returns up to 1 year are on (Erstwhile UTI Pharma & Healthcare Fund) The Investment objective of the Scheme is capital appreciation through investments in equities and equity related instruments of the Pharma & Healthcare sectors. Research Highlights for UTI Healthcare Fund Below is the key information for UTI Healthcare Fund Returns up to 1 year are on 1. DSP World Gold Fund
DSP World Gold Fund
Growth Launch Date 14 Sep 07 NAV (21 Jul 26) ₹48.8587 ↑ 1.27 (2.67 %) Net Assets (Cr) ₹1,433 on 30 Jun 26 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk High Expense Ratio 1.41 Sharpe Ratio 1.22 Information Ratio -0.5 Alpha Ratio 2.12 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value Returns for DSP World Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jul 26 Duration Returns 1 Month -13.5% 3 Month -25.1% 6 Month -23.7% 1 Year 58.4% 3 Year 38.9% 5 Year 21.6% 10 Year 15 Year Since launch 8.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 167.1% 2023 15.9% 2022 7% 2021 -7.7% 2020 -9% 2019 31.4% 2018 35.1% 2017 -10.7% 2016 -4% 2015 52.7% Fund Manager information for DSP World Gold Fund
Name Since Tenure Data below for DSP World Gold Fund as on 30 Jun 26
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 2. DSP US Flexible Equity Fund
DSP US Flexible Equity Fund
Growth Launch Date 3 Aug 12 NAV (21 Jul 26) ₹93.0913 ↑ 0.35 (0.37 %) Net Assets (Cr) ₹1,291 on 30 Jun 26 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆☆☆ Risk High Expense Ratio 1.55 Sharpe Ratio 1.93 Information Ratio 0.15 Alpha Ratio -4.1 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value Returns for DSP US Flexible Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jul 26 Duration Returns 1 Month -0.4% 3 Month 8.6% 6 Month 18.1% 1 Year 45% 3 Year 26% 5 Year 18.3% 10 Year 15 Year Since launch 17.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 33.8% 2023 17.8% 2022 22% 2021 -5.9% 2020 24.2% 2019 22.6% 2018 27.5% 2017 -1.1% 2016 15.5% 2015 9.8% Fund Manager information for DSP US Flexible Equity Fund
Name Since Tenure Data below for DSP US Flexible Equity Fund as on 30 Jun 26
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 3. Edelweiss Emerging Markets Opportunities Equity Off-shore Fund
Edelweiss Emerging Markets Opportunities Equity Off-shore Fund
Growth Launch Date 7 Jul 14 NAV (21 Jul 26) ₹28.0113 ↑ 0.50 (1.81 %) Net Assets (Cr) ₹259 on 30 Jun 26 Category Equity - Global AMC Edelweiss Asset Management Limited Rating ☆☆☆ Risk High Expense Ratio 1.04 Sharpe Ratio 2.2 Information Ratio -0.41 Alpha Ratio 6.3 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value Returns for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jul 26 Duration Returns 1 Month -4.8% 3 Month 6.5% 6 Month 22.9% 1 Year 59.9% 3 Year 25.8% 5 Year 10% 10 Year 15 Year Since launch 8.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 41.1% 2023 5.9% 2022 5.5% 2021 -16.8% 2020 -5.9% 2019 21.7% 2018 25.1% 2017 -7.2% 2016 30% 2015 9.8% Fund Manager information for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund
Name Since Tenure Data below for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund as on 30 Jun 26
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 4. LIC MF Infrastructure Fund
LIC MF Infrastructure Fund
Growth Launch Date 29 Feb 08 NAV (22 Jul 26) ₹53.8358 ↓ -0.59 (-1.09 %) Net Assets (Cr) ₹1,137 on 30 Jun 26 Category Equity - Sectoral AMC LIC Mutual Fund Asset Mgmt Co Ltd Rating Risk High Expense Ratio 2.21 Sharpe Ratio 0.22 Information Ratio 0.58 Alpha Ratio 8.41 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value Returns for LIC MF Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jul 26 Duration Returns 1 Month -3.5% 3 Month 4.2% 6 Month 15.6% 1 Year 6.4% 3 Year 25.1% 5 Year 22.4% 10 Year 15 Year Since launch 9.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 -3.7% 2023 47.8% 2022 44.4% 2021 7.9% 2020 46.6% 2019 -0.1% 2018 13.3% 2017 -14.6% 2016 42.2% 2015 -2.2% Fund Manager information for LIC MF Infrastructure Fund
Name Since Tenure Data below for LIC MF Infrastructure Fund as on 30 Jun 26
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 5. UTI Healthcare Fund
UTI Healthcare Fund
Growth Launch Date 28 Jun 99 NAV (22 Jul 26) ₹328.776 ↓ -5.28 (-1.58 %) Net Assets (Cr) ₹1,308 on 30 Jun 26 Category Equity - Sectoral AMC UTI Asset Management Company Ltd Rating ☆ Risk High Expense Ratio 2.26 Sharpe Ratio 0.58 Information Ratio 0.2 Alpha Ratio 2.15 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value Returns for UTI Healthcare Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Jul 26 Duration Returns 1 Month 3.3% 3 Month 15% 6 Month 20.9% 1 Year 12.1% 3 Year 24.4% 5 Year 14.1% 10 Year 15 Year Since launch 15% Historical performance (Yearly) on absolute basis
Year Returns 2024 -3.1% 2023 42.9% 2022 38.2% 2021 -12.3% 2020 19.1% 2019 67.4% 2018 1.2% 2017 -7.5% 2016 6.2% 2015 -9.7% Fund Manager information for UTI Healthcare Fund
Name Since Tenure Data below for UTI Healthcare Fund as on 30 Jun 26
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity
Some of the major advantages of investing in a SIP are as follows:
Most investors are skeptical about the best time to invest in the market. They are worried about the volatile markets. But, rupee cost averaging breaks all the worries. Since you become a regular investor with a SIP, your money fetches more units when the price of shares is low and lesser when the price is high. During the volatile cycle, it may allow you to achieve a lower average cost per unit. Thus, the positives of investing through a SIP becomes quite evident in the times of market fluctuations.
SIPs work on Power of Compounding. Investors can put in a small amount of money and can see how the value increase over time. The longer you stay invested, the greater the value of your investment becomes. As, the returns earned at regular intervals are reinvested in the fund, investors get a return on the return. And the same cycle continues for years. To benefit the most out of the power of compounding, investors should start a savings at an early age to make the most out of it.
With a SIP, investors don’t need to worry about the market timings. SIP helps investors ride the market Volatility by averaging out the cost as they invest a fixed sum regularly at various levels.
As you become a regular investor via a SIP, you can easily plan your financial goals. For example, if your short-term goal is buying a car in 2 years, then you can invest in debt funds, and if you have set Retirement planning as your long-term goal then, you should invest in equity funds via a SIP. SIPs also create a regular habit of savings over the long-run. Investors who want to avail all the benefits in their investments should take a SIP route in Mutual Funds.
A sip calculator is the smartest tool to use while investing in Mutual Funds. It helps to determine the expected returns on your SIP investment. You can calculate the amount required for your investment and time period that you need to stay invested to reach the particular financial goal.
When using a SIP calculator, one has to fill certain variables, that includes-
Once you feed all the above-mentioned information, the calculator will estimate the amount that you will receive after your investment tenure, along with the net profit that you will earn.
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Nice information