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Best Mutual Funds for SIP 2025
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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Top Mutual Funds for SIP Investment FY 25 - 26
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.
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) ICICI Prudential Infrastructure Fund Growth ₹191.97
↑ 0.66 ₹8,043 100 6.3 8.2 -1.8 30.4 36.5 27.4 Nippon India Small Cap Fund Growth ₹168.808
↑ 1.37 ₹66,602 100 9.5 7 -4.9 25.2 35.5 26.1 HDFC Infrastructure Fund Growth ₹47.305
↑ 0.32 ₹2,591 300 6.6 9.2 -4.2 30.7 35.1 23 Motilal Oswal Midcap 30 Fund Growth ₹103.016
↑ 1.59 ₹33,053 500 9.1 5.4 3.7 29.3 34.9 57.1 IDFC Infrastructure Fund Growth ₹49.938
↑ 0.39 ₹1,749 100 6.8 7.8 -11.8 29.2 33.9 39.3 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 4 Aug 25
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.
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity DSP BlackRock Credit Risk Fund Growth ₹49.9585
↑ 0.05 ₹209 500 2.4 18.2 22.7 14.7 7.8 6.94% 2Y 29D 2Y 9M 7D L&T Credit Risk Fund Growth ₹32.5462
↑ 0.03 ₹651 1,000 1.7 17.1 21.2 11.2 7.2 7.4% 1Y 8M 12D 2Y 4M 10D Aditya Birla Sun Life Credit Risk Fund Growth ₹22.6115
↑ 0.03 ₹1,014 100 2.8 9.2 16.8 10.5 11.9 7.76% 2Y 1M 24D 3Y 2M 5D Aditya Birla Sun Life Medium Term Plan Growth ₹40.3261
↑ 0.06 ₹2,732 1,000 2.3 7.5 13.7 9.5 10.5 7.52% 3Y 7M 17D 4Y 10M 10D 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 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 4 Aug 25
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.
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) JM Equity Hybrid Fund Growth ₹120.201
↑ 0.96 ₹862 500 4.4 2.8 -4.6 21.3 21.9 27 BOI AXA Mid and Small Cap Equity and Debt Fund Growth ₹37.92
↑ 0.30 ₹1,250 1,000 7.7 6.5 -1.6 20.1 25.2 25.8 HDFC Balanced Advantage Fund Growth ₹514.127
↑ 2.72 ₹102,790 300 2.4 5.2 1.1 19.6 23.8 16.7 ICICI Prudential Equity and Debt Fund Growth ₹389.04
↑ 1.79 ₹44,552 100 2.3 6.4 4.1 19.5 25.3 17.2 ICICI Prudential Multi-Asset Fund Growth ₹747.957
↓ -4.21 ₹62,014 100 2 6 6.7 19 23.4 16.1 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 4 Aug 25
The objective of the scheme would be to provide investors with opportunities for long-term growth in capital along with the liquidity of an open-ended scheme through an active management of investments in a diversified basket of equity stocks of domestic Public Sector Undertakings and in debt and money market instruments issued by PSUs AND others. SBI PSU Fund is a Equity - Sectoral fund was launched on 7 Jul 10. It is a fund with High risk and has given a Below is the key information for SBI PSU Fund Returns up to 1 year are on To generate capital appreciation by investing in Equity and Equity Related Instruments of companies where the Central / State Government(s) has majority shareholding or management control or has powers to appoint majority of directors. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns. Invesco India PSU Equity Fund is a Equity - Sectoral fund was launched on 18 Nov 09. It is a fund with High risk and has given a Below is the key information for Invesco India PSU Equity Fund Returns up to 1 year are on To seek long-term capital appreciation by investing predominantly in equity and equity related securities of companies engaged in or expected to benefit from growth and development of infrastructure. HDFC Infrastructure Fund is a Equity - Sectoral fund was launched on 10 Mar 08. It is a fund with High risk and has given a Below is the key information for HDFC Infrastructure Fund Returns up to 1 year are on (Erstwhile Reliance Diversified Power Sector Fund) The primary investment objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies in the power sector. Nippon India Power and Infra Fund is a Equity - Sectoral fund was launched on 8 May 04. It is a fund with High risk and has given a Below is the key information for Nippon India Power and Infra Fund Returns up to 1 year are on To generate capital appreciation and income distribution to unit holders by investing predominantly in equity/equity related securities of the companies belonging to the infrastructure development and balance in debt securities and money market instruments. ICICI Prudential Infrastructure Fund is a Equity - Sectoral fund was launched on 31 Aug 05. It is a fund with High risk and has given a Below is the key information for ICICI Prudential Infrastructure Fund Returns up to 1 year are on 1. SBI PSU Fund
CAGR/Annualized return of 7.8% since its launch. Ranked 31 in Sectoral category. Return for 2024 was 23.5% , 2023 was 54% and 2022 was 29% . SBI PSU Fund
Growth Launch Date 7 Jul 10 NAV (04 Aug 25) ₹31.1468 ↑ 0.24 (0.77 %) Net Assets (Cr) ₹5,427 on 30 Jun 25 Category Equity - Sectoral AMC SBI Funds Management Private Limited Rating ☆☆ Risk High Expense Ratio 2.3 Sharpe Ratio -0.23 Information Ratio -0.28 Alpha Ratio 0.6 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 31 Jul 20 ₹10,000 31 Jul 21 ₹14,638 31 Jul 22 ₹15,923 31 Jul 23 ₹22,376 31 Jul 24 ₹41,987 31 Jul 25 ₹37,410 Returns for SBI PSU Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Aug 25 Duration Returns 1 Month -4.2% 3 Month 1.1% 6 Month 7% 1 Year -10.2% 3 Year 32.6% 5 Year 30% 10 Year 15 Year Since launch 7.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 23.5% 2023 54% 2022 29% 2021 32.4% 2020 -10% 2019 6% 2018 -23.8% 2017 21.9% 2016 16.2% 2015 -11.1% Fund Manager information for SBI PSU Fund
Name Since Tenure Rohit Shimpi 1 Jun 24 1.17 Yr. Data below for SBI PSU Fund as on 30 Jun 25
Equity Sector Allocation
Sector Value Financial Services 34.3% Utility 27.57% Energy 15.13% Industrials 12.97% Basic Materials 5.37% Asset Allocation
Asset Class Value Cash 4.57% Equity 95.34% Debt 0.09% Top Securities Holdings / Portfolio
Name Holding Value Quantity State Bank of India (Financial Services)
Equity, Since 31 Jul 10 | SBIN13% ₹704 Cr 8,577,500 Bharat Electronics Ltd (Industrials)
Equity, Since 30 Jun 24 | BEL10% ₹547 Cr 12,975,000
↓ -600,000 GAIL (India) Ltd (Utilities)
Equity, Since 31 May 24 | 5321559% ₹491 Cr 25,750,000 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Jul 10 | 5328988% ₹454 Cr 15,135,554 NTPC Ltd (Utilities)
Equity, Since 31 Jul 10 | 5325557% ₹407 Cr 12,143,244 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 31 Aug 24 | 5005476% ₹322 Cr 9,700,000 Bank of Baroda (Financial Services)
Equity, Since 31 Aug 24 | 5321345% ₹274 Cr 11,000,000 NMDC Ltd (Basic Materials)
Equity, Since 31 Oct 23 | 5263714% ₹195 Cr 27,900,000 Oil India Ltd (Energy)
Equity, Since 31 Mar 24 | OIL3% ₹167 Cr 3,850,000 General Insurance Corp of India (Financial Services)
Equity, Since 31 May 24 | GICRE3% ₹160 Cr 4,150,000 2. Invesco India PSU Equity Fund
CAGR/Annualized return of 12.3% since its launch. Ranked 33 in Sectoral category. Return for 2024 was 25.6% , 2023 was 54.5% and 2022 was 20.5% . Invesco India PSU Equity Fund
Growth Launch Date 18 Nov 09 NAV (04 Aug 25) ₹61.95 ↑ 0.72 (1.18 %) Net Assets (Cr) ₹1,439 on 30 Jun 25 Category Equity - Sectoral AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk High Expense Ratio 2.39 Sharpe Ratio -0.23 Information Ratio -0.15 Alpha Ratio 0.81 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 31 Jul 20 ₹10,000 31 Jul 21 ₹14,085 31 Jul 22 ₹14,778 31 Jul 23 ₹20,815 31 Jul 24 ₹39,047 31 Jul 25 ₹34,468 Returns for Invesco India PSU Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Aug 25 Duration Returns 1 Month -5.8% 3 Month 3.7% 6 Month 11% 1 Year -10.6% 3 Year 32.2% 5 Year 27.8% 10 Year 15 Year Since launch 12.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 25.6% 2023 54.5% 2022 20.5% 2021 31.1% 2020 6.1% 2019 10.1% 2018 -16.9% 2017 24.3% 2016 17.9% 2015 2.5% Fund Manager information for Invesco India PSU Equity Fund
Name Since Tenure Hiten Jain 1 Jul 25 0.08 Yr. Sagar Gandhi 1 Jul 25 0.08 Yr. Data below for Invesco India PSU Equity Fund as on 30 Jun 25
Equity Sector Allocation
Sector Value Industrials 29.23% Utility 27.15% Financial Services 20.44% Energy 15.81% Basic Materials 4.05% Asset Allocation
Asset Class Value Cash 3.31% Equity 96.69% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bharat Electronics Ltd (Industrials)
Equity, Since 31 Mar 17 | BEL9% ₹134 Cr 3,178,489 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 30 Sep 18 | 5005478% ₹114 Cr 3,445,961 State Bank of India (Financial Services)
Equity, Since 28 Feb 21 | SBIN8% ₹112 Cr 1,365,114 Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 May 22 | HAL8% ₹110 Cr 226,465
↑ 12,941 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 28 Feb 22 | 5328988% ₹108 Cr 3,599,413 NTPC Ltd (Utilities)
Equity, Since 31 May 19 | 5325557% ₹103 Cr 3,085,790 Hindustan Petroleum Corp Ltd (Energy)
Equity, Since 30 Nov 23 | HINDPETRO5% ₹69 Cr 1,564,169 NTPC Green Energy Ltd (Utilities)
Equity, Since 30 Nov 24 | NTPCGREEN4% ₹62 Cr 5,911,723 GAIL (India) Ltd (Utilities)
Equity, Since 28 Feb 23 | 5321554% ₹59 Cr 3,089,630 NHPC Ltd (Utilities)
Equity, Since 31 Oct 22 | NHPC4% ₹58 Cr 6,816,616 3. HDFC Infrastructure Fund
CAGR/Annualized return of since its launch. Ranked 26 in Sectoral category. Return for 2024 was 23% , 2023 was 55.4% and 2022 was 19.3% . HDFC Infrastructure Fund
Growth Launch Date 10 Mar 08 NAV (04 Aug 25) ₹47.305 ↑ 0.32 (0.67 %) Net Assets (Cr) ₹2,591 on 30 Jun 25 Category Equity - Sectoral AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk High Expense Ratio 2.31 Sharpe Ratio -0.23 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹18,825 31 Jul 22 ₹20,454 31 Jul 23 ₹29,022 31 Jul 24 ₹48,197 31 Jul 25 ₹45,754 Returns for HDFC Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Aug 25 Duration Returns 1 Month -2.1% 3 Month 6.6% 6 Month 9.2% 1 Year -4.2% 3 Year 30.7% 5 Year 35.1% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 2024 23% 2023 55.4% 2022 19.3% 2021 43.2% 2020 -7.5% 2019 -3.4% 2018 -29% 2017 43.3% 2016 -1.9% 2015 -2.5% Fund Manager information for HDFC Infrastructure Fund
Name Since Tenure Srinivasan Ramamurthy 12 Jan 24 1.55 Yr. Dhruv Muchhal 22 Jun 23 2.11 Yr. Data below for HDFC Infrastructure Fund as on 30 Jun 25
Equity Sector Allocation
Sector Value Industrials 39.21% Financial Services 19.99% Basic Materials 10.82% Utility 6.94% Energy 6.55% Communication Services 3.93% Real Estate 2.13% Health Care 1.68% Technology 1.43% Consumer Cyclical 0.5% Asset Allocation
Asset Class Value Cash 6.83% Equity 93.17% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | 5321747% ₹188 Cr 1,300,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Aug 23 | HDFCBANK5% ₹140 Cr 700,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 12 | LT5% ₹139 Cr 380,000 J Kumar Infraprojects Ltd (Industrials)
Equity, Since 31 Oct 15 | JKIL4% ₹101 Cr 1,400,000
↓ -50,000 Kalpataru Projects International Ltd (Industrials)
Equity, Since 31 Jan 23 | KPIL4% ₹93 Cr 758,285 InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Dec 21 | INDIGO3% ₹90 Cr 150,000 Reliance Industries Ltd (Energy)
Equity, Since 31 May 24 | RELIANCE3% ₹75 Cr 500,000 NTPC Ltd (Utilities)
Equity, Since 31 Dec 17 | 5325553% ₹74 Cr 2,200,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 20 | BHARTIARTL3% ₹70 Cr 350,000 G R Infraprojects Ltd (Industrials)
Equity, Since 31 Jul 21 | 5433172% ₹62 Cr 470,000 4. Nippon India Power and Infra Fund
CAGR/Annualized return of 18.1% since its launch. Ranked 13 in Sectoral category. Return for 2024 was 26.9% , 2023 was 58% and 2022 was 10.9% . Nippon India Power and Infra Fund
Growth Launch Date 8 May 04 NAV (04 Aug 25) ₹341.438 ↑ 3.00 (0.89 %) Net Assets (Cr) ₹7,620 on 30 Jun 25 Category Equity - Sectoral AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk High Expense Ratio 2.05 Sharpe Ratio -0.41 Information Ratio 1.16 Alpha Ratio -7.82 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹16,368 31 Jul 22 ₹17,458 31 Jul 23 ₹25,631 31 Jul 24 ₹44,060 31 Jul 25 ₹39,686 Returns for Nippon India Power and Infra Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Aug 25 Duration Returns 1 Month -3.4% 3 Month 5.6% 6 Month 7.9% 1 Year -8.4% 3 Year 30.6% 5 Year 31.5% 10 Year 15 Year Since launch 18.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 26.9% 2023 58% 2022 10.9% 2021 48.9% 2020 10.8% 2019 -2.9% 2018 -21.1% 2017 61.7% 2016 0.1% 2015 0.3% Fund Manager information for Nippon India Power and Infra Fund
Name Since Tenure Kinjal Desai 25 May 18 7.19 Yr. Rahul Modi 19 Aug 24 0.95 Yr. Data below for Nippon India Power and Infra Fund as on 30 Jun 25
Equity Sector Allocation
Sector Value Industrials 37.54% Utility 22.35% Energy 9.61% Basic Materials 7.42% Communication Services 7.35% Consumer Cyclical 5.62% Real Estate 3% Financial Services 2.24% Health Care 2% Technology 1.87% Asset Allocation
Asset Class Value Cash 1.01% Equity 98.99% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 18 | RELIANCE8% ₹630 Cr 4,200,000 NTPC Ltd (Utilities)
Equity, Since 31 May 09 | 5325557% ₹559 Cr 16,699,999
↑ 799,999 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 18 | BHARTIARTL7% ₹522 Cr 2,600,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 07 | LT6% ₹482 Cr 1,314,337
↓ -30,000 Tata Power Co Ltd (Utilities)
Equity, Since 30 Apr 23 | 5004004% ₹320 Cr 7,900,789 Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 30 Sep 24 | 5001033% ₹232 Cr 8,713,730 CG Power & Industrial Solutions Ltd (Industrials)
Equity, Since 30 Sep 24 | 5000933% ₹212 Cr 3,107,923 UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Oct 19 | 5325383% ₹212 Cr 175,000 Kaynes Technology India Ltd (Industrials)
Equity, Since 30 Nov 22 | KAYNES3% ₹205 Cr 336,227 Carborundum Universal Ltd (Industrials)
Equity, Since 30 Sep 23 | CARBORUNIV2% ₹174 Cr 1,800,000 5. ICICI Prudential Infrastructure Fund
CAGR/Annualized return of 16% since its launch. Ranked 27 in Sectoral category. Return for 2024 was 27.4% , 2023 was 44.6% and 2022 was 28.8% . ICICI Prudential Infrastructure Fund
Growth Launch Date 31 Aug 05 NAV (04 Aug 25) ₹191.97 ↑ 0.66 (0.34 %) Net Assets (Cr) ₹8,043 on 30 Jun 25 Category Equity - Sectoral AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk High Expense Ratio 2.22 Sharpe Ratio 0.01 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹17,880 31 Jul 22 ₹21,387 31 Jul 23 ₹30,280 31 Jul 24 ₹49,231 31 Jul 25 ₹48,059 Returns for ICICI Prudential Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Aug 25 Duration Returns 1 Month -3.6% 3 Month 6.3% 6 Month 8.2% 1 Year -1.8% 3 Year 30.4% 5 Year 36.5% 10 Year 15 Year Since launch 16% Historical performance (Yearly) on absolute basis
Year Returns 2024 27.4% 2023 44.6% 2022 28.8% 2021 50.1% 2020 3.6% 2019 2.6% 2018 -14% 2017 40.8% 2016 2% 2015 -3.4% Fund Manager information for ICICI Prudential Infrastructure Fund
Name Since Tenure Ihab Dalwai 3 Jun 17 8.17 Yr. Sharmila D’mello 30 Jun 22 3.09 Yr. Data below for ICICI Prudential Infrastructure Fund as on 30 Jun 25
Equity Sector Allocation
Sector Value Industrials 38.68% Basic Materials 16.98% Financial Services 16.27% Utility 9.82% Energy 7.24% Real Estate 2.75% Consumer Cyclical 1.63% Communication Services 1.14% Asset Allocation
Asset Class Value Cash 5.5% Equity 94.5% Top Securities Holdings / Portfolio
Name Holding Value Quantity Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 09 | LT9% ₹727 Cr 1,980,204
↓ -150,000 NTPC Ltd (Utilities)
Equity, Since 29 Feb 16 | 5325554% ₹358 Cr 10,679,473
↑ 3,079,473 Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 May 24 | ADANIPORTS4% ₹329 Cr 2,268,659
↓ -200,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Jul 23 | RELIANCE4% ₹290 Cr 1,929,725
↑ 266,998 NCC Ltd (Industrials)
Equity, Since 31 Aug 21 | NCC4% ₹289 Cr 12,522,005 Vedanta Ltd (Basic Materials)
Equity, Since 31 Jul 24 | 5002954% ₹284 Cr 6,158,750
↑ 935,088 JM Financial Ltd (Financial Services)
Equity, Since 31 Oct 21 | JMFINANCIL3% ₹247 Cr 15,506,510
↓ -2,256,731 Axis Bank Ltd (Financial Services)
Equity, Since 31 Dec 20 | 5322153% ₹227 Cr 1,896,057
↑ 400,000 Kalpataru Projects International Ltd (Industrials)
Equity, Since 30 Sep 06 | KPIL3% ₹221 Cr 1,803,566
↓ -100,000 AIA Engineering Ltd (Industrials)
Equity, Since 28 Feb 21 | AIAENG3% ₹219 Cr 660,770
↑ 120,000
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.
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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Nice information