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Best Mutual Funds for SIP 2020 | Best Performing SIP Online

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Best Mutual Funds for SIP 2020

Updated on April 5, 2020 , 2787 views

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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SIP

Top Mutual Funds for SIP Investment FY 20 - 21

Best Equity SIP Funds— For Long Term Wealth Creation

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.

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2019 (%)
Franklin Asian Equity Fund Growth ₹21.178
↑ 0.80
₹142 500 -14.9-3-5.35.6528.2
DSP BlackRock US Flexible Equity Fund Growth ₹22.9204
↓ -0.43
₹234 500 -18.5-7.8-6.25.96.627.5
Axis Focused 25 Fund Growth ₹23.36
↑ 1.35
₹9,764 1,000 -23.2-18.6-152.9514.7
Kotak Equity Opportunities Fund Growth ₹95.799
↑ 5.62
₹3,168 1,000 -25.3-16.7-20.1-2.52.613.2
Invesco India Growth Opportunities Fund Growth ₹27.45
↑ 1.72
₹2,498 100 -23.8-18.5-20.20.72.510.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Apr 20

Best Debt SIP Funds— To Earn Optimal Returns

Debt fund 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.

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)2019 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
ICICI Prudential Long Term Plan Growth ₹25.4488
↓ -0.12
₹3,189 100 2.14.910.17.910.27.89%4Y 7M 10D7Y 1M 28D
HDFC Banking and PSU Debt Fund Growth ₹16.4471
↓ -0.07
₹5,323 500 1.74.19.37.610.27%2Y 4M 19D3Y 1M 4D
HDFC Corporate Bond Fund Growth ₹22.7565
↓ -0.12
₹13,389 500 1.83.89.37.910.36.79%3Y 22D4Y 29D
Aditya Birla Sun Life Corporate Bond Fund Growth ₹77.8907
↓ -0.29
₹17,606 100 1.53.58.57.89.66.78%2Y 4M 2D3Y 14D
Aditya Birla Sun Life Savings Fund Growth ₹397.659
↓ -0.09
₹16,489 1,000 1.43.17.67.68.56.5%5M 19D6M 18D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Apr 20

Best Balanced Funds— Earn Stable Returns + Create Long Term Wealth

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.

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2019 (%)
Edelweiss Arbitrage Fund Growth ₹14.5982
↓ -0.03
₹3,955 500 1.62.86.56.16.46.2
ICICI Prudential MIP 25 Growth ₹43.4439
↑ 0.46
₹1,746 100 -4.1-0.61.867.19.6
SBI Debt Hybrid Fund Growth ₹38.6739
↑ 0.35
₹1,050 500 -6.3-4.1-2.62.25.18.1
Aditya Birla Sun Life Regular Savings Fund Growth ₹35.7444
↑ 0.19
₹1,597 500 -11.7-9.4-8.3-0.345.8
Principal Hybrid Equity Fund Growth ₹63.26
↑ 3.48
₹1,266 500 -17.5-12.3-18.70.34.42.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Apr 20

1. Kotak World Gold Fund

The primary investment objective of the Scheme is to provide long term capital appreciation by investing predominantly in units of Falcon Gold Equity Fund. The Scheme may, at the discretion of the Investment Manager, also invest in the units of other similar overseas mutual fund schemes. The Scheme may also invest a certain portion of its corpus in debt and money market securities and/or units of debt/liquid schemes of Mutual Funds, 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.

Kotak World Gold Fund is a Equity - Global fund was launched on 6 Jun 08. It is a fund with High risk and has given a CAGR/Annualized return of 1% since its launch.  Ranked 15 in Global category. .

Below is the key information for Kotak World Gold Fund

Kotak World Gold Fund
Growth
Launch Date 6 Jun 08
NAV (24 Feb 20) ₹11.198 ↑ 0.04   (0.34 %)
Net Assets (Cr) ₹51 on 31 Jan 20
Category Equity - Global
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk High
Expense Ratio 1.7
Sharpe Ratio 0.95
Information Ratio -0.99
Alpha Ratio 1.09
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.

DateValue
31 Mar 15₹10,000
31 Mar 16₹11,252
31 Mar 17₹12,342
31 Mar 18₹11,076
31 Mar 19₹10,732

Kotak World Gold Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹357,992.
Net Profit of ₹57,992
Invest Now

Returns for Kotak World Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Feb 20

DurationReturns
1 Month 2.4%
3 Month 13.3%
6 Month 4%
1 Year 29.8%
3 Year 2.6%
5 Year 6.5%
10 Year
15 Year
Since launch 1%
Historical performance (Yearly) on absolute basis
YearReturns
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
Fund Manager information for Kotak World Gold Fund
NameSinceTenure

Data below for Kotak World Gold Fund as on 31 Jan 20

Equity Sector Allocation
SectorValue
Asset Allocation
Asset ClassValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

2. DSP BlackRock World Gold 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."

DSP BlackRock World Gold Fund is a Equity - Global fund was launched on 14 Sep 07. It is a fund with High risk and has given a CAGR/Annualized return of 2.4% since its launch.  Ranked 11 in Global category.  Return for 2019 was 35.1% , 2018 was -10.7% and 2017 was -4% .

Below is the key information for DSP BlackRock World Gold Fund

DSP BlackRock World Gold Fund
Growth
Launch Date 14 Sep 07
NAV (03 Apr 20) ₹13.4257 ↑ 0.84   (6.69 %)
Net Assets (Cr) ₹338 on 29 Feb 20
Category Equity - Global
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk High
Expense Ratio 1.67
Sharpe Ratio 0.61
Information Ratio -0.98
Alpha Ratio -4.21
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.

DateValue
31 Mar 15₹10,000
31 Mar 16₹11,846
31 Mar 17₹13,123
31 Mar 18₹11,398
31 Mar 19₹12,097
31 Mar 20₹13,148

DSP BlackRock World Gold Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹367,070.
Net Profit of ₹67,070
Invest Now

Returns for DSP BlackRock World Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Feb 20

DurationReturns
1 Month -6.3%
3 Month -9.3%
6 Month -3%
1 Year 19.2%
3 Year 1.8%
5 Year 7%
10 Year
15 Year
Since launch 2.4%
Historical performance (Yearly) on absolute basis
YearReturns
2019 35.1%
2018 -10.7%
2017 -4%
2016 52.7%
2015 -18.5%
2014 -3%
2013 -41.5%
2012 -5.8%
2011 -2.6%
2010 29%
Fund Manager information for DSP BlackRock World Gold Fund
NameSinceTenure
Jay Kothari1 Mar 136.84 Yr.

Data below for DSP BlackRock World Gold Fund as on 29 Feb 20

Equity Sector Allocation
SectorValue
Basic Materials90.4%
Industrials0.58%
Asset Allocation
Asset ClassValue
Cash6.13%
Equity92.33%
Debt0.05%
Other1.5%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
BGF World Gold I2
Investment Fund | -
96%₹324 Cr1,300,579
↑ 20,840
Treps / Reverse Repo Investments / Corporate Debt Repo
CBLO/Reverse Repo | -
5%₹18 Cr
Net Receivables/Payables
Net Current Assets | -
1%-₹3 Cr

3. Kotak US Equity Fund

The primary investment objective of the scheme is to provide long term capital appreciation by investing in units of fund that invest predominantly in equity and equity-related securities of companies having assets, products or operations in the United States.

Kotak US Equity Fund is a Equity - Global fund was launched on 20 Dec 13. It is a fund with High risk and has given a CAGR/Annualized return of 11.1% since its launch.  Ranked 4 in Global category. .

Below is the key information for Kotak US Equity Fund

Kotak US Equity Fund
Growth
Launch Date 20 Dec 13
NAV (25 Feb 20) ₹19.216 ↑ 0.00   (0.01 %)
Net Assets (Cr) ₹15 on 31 Jan 20
Category Equity - Global
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk High
Expense Ratio 1.18
Sharpe Ratio 1.11
Information Ratio -2.2
Alpha Ratio -4.86
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.

DateValue
31 Mar 15₹10,000
31 Mar 16₹10,387
31 Mar 17₹11,612
31 Mar 18₹12,845
31 Mar 19₹14,307

Kotak US Equity Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹395,578.
Net Profit of ₹95,578
Invest Now

Returns for Kotak US Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Feb 20

DurationReturns
1 Month 2.5%
3 Month 6.8%
6 Month 16.7%
1 Year 16%
3 Year 12.4%
5 Year 10.7%
10 Year
15 Year
Since launch 11.1%
Historical performance (Yearly) on absolute basis
YearReturns
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
Fund Manager information for Kotak US Equity Fund
NameSinceTenure

Data below for Kotak US Equity Fund as on 31 Jan 20

Equity Sector Allocation
SectorValue
Asset Allocation
Asset ClassValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

4. IDFC Government Securities Fund - Constant Maturity Plan

(Erstwhile IDFC Government Securities Fund - Short Term Plan)

IDFC – GSF -ST is an open ended dedicated gilt scheme with an objective to generate optimal returns with high liquidity by investing Government Securities. However there is no assurance that the investment objective of the scheme will be realized.

IDFC Government Securities Fund - Constant Maturity Plan is a Debt - 10 Yr Govt Bond fund was launched on 9 Mar 02. It is a fund with Moderate risk and has given a CAGR/Annualized return of 6.8% since its launch.  Ranked 2 in 10 Yr Govt Bond category.  Return for 2019 was 14.2% , 2018 was 11.8% and 2017 was 6.2% .

Below is the key information for IDFC Government Securities Fund - Constant Maturity Plan

IDFC Government Securities Fund - Constant Maturity Plan
Growth
Launch Date 9 Mar 02
NAV (07 Apr 20) ₹32.6471 ↓ -0.16   (-0.49 %)
Net Assets (Cr) ₹159 on 29 Feb 20
Category Debt - 10 Yr Govt Bond
AMC IDFC Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 0.47
Sharpe Ratio 3.04
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.62%
Effective Maturity 7 Years 8 Months 1 Day
Modified Duration 5 Years 9 Months 14 Days

Growth of 10,000 investment over the years.

DateValue
31 Mar 15₹10,000
31 Mar 16₹10,870
31 Mar 17₹11,836
31 Mar 18₹12,682
31 Mar 19₹14,197
31 Mar 20₹16,477

IDFC Government Securities Fund - Constant Maturity Plan SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹212,284.
Net Profit of ₹32,284
Invest Now

Returns for IDFC Government Securities Fund - Constant Maturity Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Feb 20

DurationReturns
1 Month -1.5%
3 Month 2.7%
6 Month 4.3%
1 Year 14.8%
3 Year 11.2%
5 Year 10.2%
10 Year
15 Year
Since launch 6.8%
Historical performance (Yearly) on absolute basis
YearReturns
2019 14.2%
2018 11.8%
2017 6.2%
2016 10.1%
2015 9%
2014 12.6%
2013 10.6%
2012 8.6%
2011 1.9%
2010 3.5%
Fund Manager information for IDFC Government Securities Fund - Constant Maturity Plan
NameSinceTenure
Harshal Joshi15 May 172.63 Yr.

Data below for IDFC Government Securities Fund - Constant Maturity Plan as on 29 Feb 20

Asset Allocation
Asset ClassValue
Cash5.09%
Debt94.91%
Debt Sector Allocation
SectorValue
Government94.91%
Cash Equivalent5.09%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.26% Govt Stock 2029
Sovereign Bonds | -
49%₹78 Cr7,500,000
↑ 7,500,000
GOVT STOCK
Sovereign Bonds | -
24%₹38 Cr3,500,000
↓ -1,000,000
7.88% GS 2030
Sovereign Bonds | -
10%₹16 Cr1,500,000
↓ -4,000,000
7.59% Govt Stock 2029
Sovereign Bonds | -
10%₹16 Cr1,500,000
↓ -500,000
Net Current Assets
Net Current Assets | -
4%₹7 Cr
7.17% Govt Stock 2028
Sovereign Bonds | -
2%₹3 Cr300,000
↑ 300,000
Cash Margin - Ccil
CBLO/Reverse Repo | -
1%₹1 Cr
Triparty Repo
CBLO/Reverse Repo | -
0%₹1 Cr

5. ICICI Prudential Constant Maturity Gilt Fund

The Scheme aims to provide reasonable returns by investing in portfolio of Government Securities with average maturity of around 10 years. However, there can be no assurance that the investment objective of the Scheme will be realized.

ICICI Prudential Constant Maturity Gilt Fund is a Debt - 10 Yr Govt Bond fund was launched on 12 Sep 14. It is a fund with Moderate risk and has given a CAGR/Annualized return of 10.4% since its launch.  Ranked 6 in 10 Yr Govt Bond category.  Return for 2019 was 12.8% , 2018 was 9.7% and 2017 was 2.4% .

Below is the key information for ICICI Prudential Constant Maturity Gilt Fund

ICICI Prudential Constant Maturity Gilt Fund
Growth
Launch Date 12 Sep 14
NAV (07 Apr 20) ₹17.3157 ↓ -0.09   (-0.53 %)
Net Assets (Cr) ₹99 on 29 Feb 20
Category Debt - 10 Yr Govt Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 0.33
Sharpe Ratio 2.66
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-7 Days (0.25%),7 Days and above(NIL)
Yield to Maturity 6.72%
Effective Maturity 10 Years 3 Months 7 Days
Modified Duration 7 Years 1 Month 13 Days

Growth of 10,000 investment over the years.

DateValue
31 Mar 15₹10,000
31 Mar 16₹10,786
31 Mar 17₹12,037
31 Mar 18₹12,518
31 Mar 19₹13,762
31 Mar 20₹15,911

ICICI Prudential Constant Maturity Gilt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹209,201.
Net Profit of ₹29,201
Invest Now

Returns for ICICI Prudential Constant Maturity Gilt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Feb 20

DurationReturns
1 Month -1.5%
3 Month 2.8%
6 Month 4%
1 Year 14.2%
3 Year 9.8%
5 Year 9.5%
10 Year
15 Year
Since launch 10.4%
Historical performance (Yearly) on absolute basis
YearReturns
2019 12.8%
2018 9.7%
2017 2.4%
2016 16.2%
2015 6.9%
2014
2013
2012
2011
2010
Fund Manager information for ICICI Prudential Constant Maturity Gilt Fund
NameSinceTenure
Rahul Goswami12 Sep 145.31 Yr.

Data below for ICICI Prudential Constant Maturity Gilt Fund as on 29 Feb 20

Asset Allocation
Asset ClassValue
Cash3.53%
Debt96.47%
Debt Sector Allocation
SectorValue
Government96.47%
Cash Equivalent3.53%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.79% Govt Stock 2029
Sovereign Bonds | -
75%₹74 Cr7,300,000
GOVT STOCK
Sovereign Bonds | -
20%₹19 Cr1,790,000
↑ 540,000
7.26% Govt Stock 2029
Sovereign Bonds | -
2%₹2 Cr200,000
Treps
CBLO/Reverse Repo | -
2%₹2 Cr
Net Current Assets
Net Current Assets | -
2%₹2 Cr

Benefits of Investing in SIP

Some of the major advantages of investing in a SIP are as follows:

Rupee Cost Averaging

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.

Power of Compounding

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.

No Need to Time the Market

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.

Easy Way to Achieve Financial Goals

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.

SIP Return Calculator or Mutual Fund Calculator

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-

  • Investment amount
  • The desired investment duration
  • Expected Inflation rate (annual) for the years to come
  • Long-term growth rate on investments

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.

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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