SOLUTIONS
EXPLORE FUNDS
CALCULATORS
fincash number+91-22-48913909Dashboard

Best Mutual Funds for SIP 2025

Updated on September 11, 2025 , 14445 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.

Ready to Invest?
Talk to our investment specialist
Disclaimer:
By submitting this form I authorize Fincash.com to call/SMS/email me about its products and I accept the terms of Privacy Policy and Terms & Conditions.

SIP

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.

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
ICICI Prudential Infrastructure Fund Growth ₹193.86
↑ 0.68
₹7,941 100 -115.5-2.227.335.627.4
Motilal Oswal Midcap 30 Fund  Growth ₹104.829
↓ -0.16
₹33,609 500 4.718-1.126.133.957.1
HDFC Infrastructure Fund Growth ₹47.455
↑ 0.18
₹2,540 300 016.8-426.833.223
Bandhan Infrastructure Fund Growth ₹49.876
↑ 0.21
₹1,676 100 -1.116.6-10.325.133.139.3
Nippon India Small Cap Fund Growth ₹170.142
↑ 0.46
₹65,922 100 118.8-6.121.93326.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 12 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryICICI Prudential Infrastructure FundMotilal Oswal Midcap 30 Fund HDFC Infrastructure FundBandhan Infrastructure FundNippon India Small Cap Fund
Point 1Lower mid AUM (₹7,941 Cr).Upper mid AUM (₹33,609 Cr).Bottom quartile AUM (₹2,540 Cr).Bottom quartile AUM (₹1,676 Cr).Highest AUM (₹65,922 Cr).
Point 2Oldest track record among peers (20 yrs).Established history (11+ yrs).Established history (17+ yrs).Established history (14+ yrs).Established history (15+ yrs).
Point 3Rating: 3★ (lower mid).Rating: 3★ (bottom quartile).Rating: 3★ (bottom quartile).Top rated.Rating: 4★ (upper mid).
Point 4Risk profile: High.Risk profile: Moderately High.Risk profile: High.Risk profile: High.Risk profile: Moderately High.
Point 55Y return: 35.64% (top quartile).5Y return: 33.93% (upper mid).5Y return: 33.25% (lower mid).5Y return: 33.14% (bottom quartile).5Y return: 32.96% (bottom quartile).
Point 63Y return: 27.29% (top quartile).3Y return: 26.07% (lower mid).3Y return: 26.77% (upper mid).3Y return: 25.08% (bottom quartile).3Y return: 21.93% (bottom quartile).
Point 71Y return: -2.19% (upper mid).1Y return: -1.08% (top quartile).1Y return: -4.01% (lower mid).1Y return: -10.27% (bottom quartile).1Y return: -6.14% (bottom quartile).
Point 8Alpha: 0.00 (upper mid).Alpha: 3.70 (top quartile).Alpha: 0.00 (lower mid).Alpha: 0.00 (bottom quartile).Alpha: -3.84 (bottom quartile).
Point 9Sharpe: -0.42 (upper mid).Sharpe: -0.11 (top quartile).Sharpe: -0.56 (bottom quartile).Sharpe: -0.69 (bottom quartile).Sharpe: -0.51 (lower mid).
Point 10Information ratio: 0.00 (upper mid).Information ratio: 0.44 (top quartile).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (bottom quartile).Information ratio: 0.00 (bottom quartile).

ICICI Prudential Infrastructure Fund

  • Lower mid AUM (₹7,941 Cr).
  • Oldest track record among peers (20 yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: High.
  • 5Y return: 35.64% (top quartile).
  • 3Y return: 27.29% (top quartile).
  • 1Y return: -2.19% (upper mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: -0.42 (upper mid).
  • Information ratio: 0.00 (upper mid).

Motilal Oswal Midcap 30 Fund 

  • Upper mid AUM (₹33,609 Cr).
  • Established history (11+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 33.93% (upper mid).
  • 3Y return: 26.07% (lower mid).
  • 1Y return: -1.08% (top quartile).
  • Alpha: 3.70 (top quartile).
  • Sharpe: -0.11 (top quartile).
  • Information ratio: 0.44 (top quartile).

HDFC Infrastructure Fund

  • Bottom quartile AUM (₹2,540 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: High.
  • 5Y return: 33.25% (lower mid).
  • 3Y return: 26.77% (upper mid).
  • 1Y return: -4.01% (lower mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: -0.56 (bottom quartile).
  • Information ratio: 0.00 (lower mid).

Bandhan Infrastructure Fund

  • Bottom quartile AUM (₹1,676 Cr).
  • Established history (14+ yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 33.14% (bottom quartile).
  • 3Y return: 25.08% (bottom quartile).
  • 1Y return: -10.27% (bottom quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: -0.69 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).

Nippon India Small Cap Fund

  • Highest AUM (₹65,922 Cr).
  • Established history (15+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 32.96% (bottom quartile).
  • 3Y return: 21.93% (bottom quartile).
  • 1Y return: -6.14% (bottom quartile).
  • Alpha: -3.84 (bottom quartile).
  • Sharpe: -0.51 (lower mid).
  • Information ratio: 0.00 (bottom quartile).

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 (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
DSP Credit Risk Fund Growth ₹50.0538
↑ 0.00
₹208 500 14.421.914.67.86.91%2Y 1M 6D2Y 10M 10D
Aditya Birla Sun Life Credit Risk Fund Growth ₹22.7255
↓ 0.00
₹1,023 100 25.51610.411.97.6%2Y 29D3Y 29D
Sundaram Short Term Debt Fund Growth ₹36.3802
↑ 0.01
₹362 250 0.811.412.85.3 4.52%1Y 2M 13D1Y 7M 3D
Aditya Birla Sun Life Medium Term Plan Growth ₹40.3781
↓ 0.00
₹2,744 1,000 1.3512.69.210.57.44%3Y 6M 18D4Y 9M 4D
Sundaram Low Duration Fund Growth ₹28.8391
↑ 0.01
₹550 1,000 110.211.85 4.19%5M 18D8M 1D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 12 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryDSP Credit Risk FundAditya Birla Sun Life Credit Risk FundSundaram Short Term Debt FundAditya Birla Sun Life Medium Term PlanSundaram Low Duration Fund
Point 1Bottom quartile AUM (₹208 Cr).Upper mid AUM (₹1,023 Cr).Bottom quartile AUM (₹362 Cr).Highest AUM (₹2,744 Cr).Lower mid AUM (₹550 Cr).
Point 2Established history (22+ yrs).Established history (10+ yrs).Oldest track record among peers (23 yrs).Established history (16+ yrs).Established history (18+ yrs).
Point 3Top rated.Not Rated.Rating: 2★ (lower mid).Rating: 4★ (upper mid).Rating: 2★ (bottom quartile).
Point 4Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Moderately Low.
Point 51Y return: 21.86% (top quartile).1Y return: 15.96% (upper mid).1Y return: 12.83% (lower mid).1Y return: 12.63% (bottom quartile).1Y return: 11.79% (bottom quartile).
Point 61M return: 0.41% (lower mid).1M return: 0.60% (top quartile).1M return: 0.20% (bottom quartile).1M return: 0.45% (upper mid).1M return: 0.28% (bottom quartile).
Point 7Sharpe: 1.64 (lower mid).Sharpe: 2.49 (upper mid).Sharpe: 0.98 (bottom quartile).Sharpe: 2.94 (top quartile).Sharpe: 0.99 (bottom quartile).
Point 8Information 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 9Yield to maturity (debt): 6.91% (lower mid).Yield to maturity (debt): 7.60% (top quartile).Yield to maturity (debt): 4.52% (bottom quartile).Yield to maturity (debt): 7.44% (upper mid).Yield to maturity (debt): 4.19% (bottom quartile).
Point 10Modified duration: 2.10 yrs (bottom quartile).Modified duration: 2.08 yrs (lower mid).Modified duration: 1.20 yrs (upper mid).Modified duration: 3.55 yrs (bottom quartile).Modified duration: 0.47 yrs (top quartile).

DSP Credit Risk Fund

  • Bottom quartile AUM (₹208 Cr).
  • Established history (22+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 21.86% (top quartile).
  • 1M return: 0.41% (lower mid).
  • Sharpe: 1.64 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.91% (lower mid).
  • Modified duration: 2.10 yrs (bottom quartile).

Aditya Birla Sun Life Credit Risk Fund

  • Upper mid AUM (₹1,023 Cr).
  • Established history (10+ yrs).
  • Not Rated.
  • Risk profile: Moderate.
  • 1Y return: 15.96% (upper mid).
  • 1M return: 0.60% (top quartile).
  • Sharpe: 2.49 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.60% (top quartile).
  • Modified duration: 2.08 yrs (lower mid).

Sundaram Short Term Debt Fund

  • Bottom quartile AUM (₹362 Cr).
  • Oldest track record among peers (23 yrs).
  • Rating: 2★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 12.83% (lower mid).
  • 1M return: 0.20% (bottom quartile).
  • Sharpe: 0.98 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 4.52% (bottom quartile).
  • Modified duration: 1.20 yrs (upper mid).

Aditya Birla Sun Life Medium Term Plan

  • Highest AUM (₹2,744 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 12.63% (bottom quartile).
  • 1M return: 0.45% (upper mid).
  • Sharpe: 2.94 (top quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.44% (upper mid).
  • Modified duration: 3.55 yrs (bottom quartile).

Sundaram Low Duration Fund

  • Lower mid AUM (₹550 Cr).
  • Established history (18+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 11.79% (bottom quartile).
  • 1M return: 0.28% (bottom quartile).
  • Sharpe: 0.99 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 4.19% (bottom quartile).
  • Modified duration: 0.47 yrs (top quartile).

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 (%)2024 (%)
JM Equity Hybrid Fund Growth ₹121.613
↑ 0.05
₹841 500 1.311.1-6.419.721.627
ICICI Prudential Multi-Asset Fund Growth ₹771.992
↑ 1.02
₹63,001 100 1.810.6919.32416.1
ICICI Prudential Equity and Debt Fund Growth ₹399.52
↑ 1.38
₹44,605 100 3.113.14.519.125.417.2
UTI Multi Asset Fund Growth ₹75.7206
↑ 0.24
₹5,902 500 2.811.73.418.81620.7
HDFC Balanced Advantage Fund Growth ₹518.662
↑ 1.74
₹101,773 300 0.49.61.518.223.516.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 12 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryJM Equity Hybrid FundICICI Prudential Multi-Asset FundICICI Prudential Equity and Debt FundUTI Multi Asset FundHDFC Balanced Advantage Fund
Point 1Bottom quartile AUM (₹841 Cr).Upper mid AUM (₹63,001 Cr).Lower mid AUM (₹44,605 Cr).Bottom quartile AUM (₹5,902 Cr).Highest AUM (₹101,773 Cr).
Point 2Oldest track record among peers (30 yrs).Established history (22+ yrs).Established history (25+ yrs).Established history (16+ yrs).Established history (25+ yrs).
Point 3Rating: 1★ (bottom quartile).Rating: 2★ (lower mid).Top rated.Rating: 1★ (bottom quartile).Rating: 4★ (upper mid).
Point 4Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.
Point 55Y return: 21.63% (bottom quartile).5Y return: 23.97% (upper mid).5Y return: 25.37% (top quartile).5Y return: 15.98% (bottom quartile).5Y return: 23.52% (lower mid).
Point 63Y return: 19.74% (top quartile).3Y return: 19.28% (upper mid).3Y return: 19.14% (lower mid).3Y return: 18.75% (bottom quartile).3Y return: 18.17% (bottom quartile).
Point 71Y return: -6.43% (bottom quartile).1Y return: 9.04% (top quartile).1Y return: 4.49% (upper mid).1Y return: 3.36% (lower mid).1Y return: 1.53% (bottom quartile).
Point 81M return: 3.73% (top quartile).1M return: 3.00% (lower mid).1M return: 2.91% (bottom quartile).1M return: 3.41% (upper mid).1M return: 1.44% (bottom quartile).
Point 9Alpha: -7.43 (bottom quartile).Alpha: 0.00 (upper mid).Alpha: 2.01 (top quartile).Alpha: 0.00 (lower mid).Alpha: 0.00 (bottom quartile).
Point 10Sharpe: -0.92 (bottom quartile).Sharpe: 0.14 (top quartile).Sharpe: -0.18 (upper mid).Sharpe: -0.27 (lower mid).Sharpe: -0.60 (bottom quartile).

JM Equity Hybrid Fund

  • Bottom quartile AUM (₹841 Cr).
  • Oldest track record among peers (30 yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 21.63% (bottom quartile).
  • 3Y return: 19.74% (top quartile).
  • 1Y return: -6.43% (bottom quartile).
  • 1M return: 3.73% (top quartile).
  • Alpha: -7.43 (bottom quartile).
  • Sharpe: -0.92 (bottom quartile).

ICICI Prudential Multi-Asset Fund

  • Upper mid AUM (₹63,001 Cr).
  • Established history (22+ yrs).
  • Rating: 2★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 23.97% (upper mid).
  • 3Y return: 19.28% (upper mid).
  • 1Y return: 9.04% (top quartile).
  • 1M return: 3.00% (lower mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 0.14 (top quartile).

ICICI Prudential Equity and Debt Fund

  • Lower mid AUM (₹44,605 Cr).
  • Established history (25+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 25.37% (top quartile).
  • 3Y return: 19.14% (lower mid).
  • 1Y return: 4.49% (upper mid).
  • 1M return: 2.91% (bottom quartile).
  • Alpha: 2.01 (top quartile).
  • Sharpe: -0.18 (upper mid).

UTI Multi Asset Fund

  • Bottom quartile AUM (₹5,902 Cr).
  • Established history (16+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 15.98% (bottom quartile).
  • 3Y return: 18.75% (bottom quartile).
  • 1Y return: 3.36% (lower mid).
  • 1M return: 3.41% (upper mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: -0.27 (lower mid).

HDFC Balanced Advantage Fund

  • Highest AUM (₹101,773 Cr).
  • Established history (25+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 23.52% (lower mid).
  • 3Y return: 18.17% (bottom quartile).
  • 1Y return: 1.53% (bottom quartile).
  • 1M return: 1.44% (bottom quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: -0.60 (bottom quartile).

1. DSP 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."

Research Highlights for DSP World Gold Fund

  • Bottom quartile AUM (₹1,212 Cr).
  • Established history (18+ yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 13.01% (bottom quartile).
  • 3Y return: 44.04% (top quartile).
  • 1Y return: 94.04% (top quartile).
  • Alpha: 2.80 (upper mid).
  • Sharpe: 1.56 (top quartile).
  • Information ratio: -0.56 (bottom quartile).
  • Higher exposure to Basic Materials vs peer median.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~95%).
  • Largest holding BGF World Gold I2 (~77.7%).
  • Top-3 holdings concentration ~100.1%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund
Growth
Launch Date 14 Sep 07
NAV (11 Sep 25) ₹40.4078 ↑ 0.35   (0.87 %)
Net Assets (Cr) ₹1,212 on 31 Jul 25
Category Equity - Global
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk High
Expense Ratio 1.41
Sharpe Ratio 1.56
Information Ratio -0.56
Alpha Ratio 2.8
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 Aug 20₹10,000
31 Aug 21₹7,754
31 Aug 22₹5,954
31 Aug 23₹7,515
31 Aug 24₹9,830
31 Aug 25₹16,461

DSP 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 ₹426,080.
Net Profit of ₹126,080
Invest Now

Returns for DSP 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 11 Sep 25

DurationReturns
1 Month 20.2%
3 Month 33.4%
6 Month 66.6%
1 Year 94%
3 Year 44%
5 Year 13%
10 Year
15 Year
Since launch 8.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024 15.9%
2023 7%
2022 -7.7%
2021 -9%
2020 31.4%
2019 35.1%
2018 -10.7%
2017 -4%
2016 52.7%
2015 -18.5%
Fund Manager information for DSP World Gold Fund
NameSinceTenure
Jay Kothari1 Mar 1312.51 Yr.

Data below for DSP World Gold Fund as on 31 Jul 25

Equity Sector Allocation
SectorValue
Basic Materials95.27%
Asset Allocation
Asset ClassValue
Cash1.87%
Equity95.34%
Debt0.01%
Other2.79%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
BGF World Gold I2
Investment Fund | -
78%₹942 Cr1,578,535
↓ -32,363
VanEck Gold Miners ETF
- | GDX
21%₹259 Cr573,719
Treps / Reverse Repo Investments
CBLO/Reverse Repo | -
1%₹13 Cr
Net Receivables/Payables
Net Current Assets | -
0%-₹2 Cr

2. SBI PSU Fund

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.

Research Highlights for SBI PSU Fund

  • Lower mid AUM (₹5,278 Cr).
  • Established history (15+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: High.
  • 5Y return: 30.55% (upper mid).
  • 3Y return: 28.54% (upper mid).
  • 1Y return: -4.02% (bottom quartile).
  • Alpha: 0.19 (bottom quartile).
  • Sharpe: -0.78 (bottom quartile).
  • Information ratio: -0.27 (lower mid).
  • Higher exposure to Financial Services vs peer median.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~97%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding State Bank of India (~13.9%).

Below is the key information for SBI PSU Fund

SBI PSU Fund
Growth
Launch Date 7 Jul 10
NAV (12 Sep 25) ₹31.6191 ↑ 0.11   (0.36 %)
Net Assets (Cr) ₹5,278 on 31 Jul 25
Category Equity - Sectoral
AMC SBI Funds Management Private Limited
Rating
Risk High
Expense Ratio 1.89
Sharpe Ratio -0.78
Information Ratio -0.27
Alpha Ratio 0.19
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.

DateValue
31 Aug 20₹10,000
31 Aug 21₹14,312
31 Aug 22₹16,867
31 Aug 23₹22,201
31 Aug 24₹40,343
31 Aug 25₹35,635

SBI PSU Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹642,208.
Net Profit of ₹342,208
Invest Now

Returns for SBI PSU Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Sep 25

DurationReturns
1 Month 1.1%
3 Month -1.4%
6 Month 14%
1 Year -4%
3 Year 28.5%
5 Year 30.6%
10 Year
15 Year
Since launch 7.9%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Rohit Shimpi1 Jun 241.25 Yr.

Data below for SBI PSU Fund as on 31 Jul 25

Equity Sector Allocation
SectorValue
Financial Services34.8%
Utility29.58%
Energy15.36%
Industrials12.07%
Basic Materials5.49%
Asset Allocation
Asset ClassValue
Cash2.6%
Equity97.31%
Debt0.09%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
State Bank of India (Financial Services)
Equity, Since 31 Jul 10 | SBIN
14%₹735 Cr9,227,500
↑ 650,000
Bharat Electronics Ltd (Industrials)
Equity, Since 30 Jun 24 | BEL
9%₹497 Cr12,975,000
NTPC Ltd (Utilities)
Equity, Since 31 Jul 10 | 532555
9%₹486 Cr14,543,244
↑ 2,400,000
Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Jul 10 | 532898
9%₹481 Cr16,535,554
↑ 1,400,000
GAIL (India) Ltd (Utilities)
Equity, Since 31 May 24 | 532155
9%₹458 Cr25,750,000
Bharat Petroleum Corp Ltd (Energy)
Equity, Since 31 Aug 24 | 500547
6%₹319 Cr9,700,000
Bank of Baroda (Financial Services)
Equity, Since 31 Aug 24 | 532134
5%₹262 Cr11,000,000
NMDC Ltd (Basic Materials)
Equity, Since 31 Oct 23 | 526371
4%₹198 Cr27,900,000
Oil India Ltd (Energy)
Equity, Since 31 Mar 24 | OIL
3%₹169 Cr3,850,000
General Insurance Corp of India (Financial Services)
Equity, Since 31 May 24 | 540755
3%₹163 Cr4,150,000

3. Franklin India Opportunities Fund

The investment objective of Franklin India Opportunities Fund (FIOF) is to generate capital appreciation by capitalizing on the long-term growth opportunities in the Indian economy.

Research Highlights for Franklin India Opportunities Fund

  • Upper mid AUM (₹7,376 Cr).
  • Oldest track record among peers (25 yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 29.17% (lower mid).
  • 3Y return: 28.42% (lower mid).
  • 1Y return: 1.51% (upper mid).
  • Alpha: 1.79 (lower mid).
  • Sharpe: -0.30 (upper mid).
  • Information ratio: 1.83 (top quartile).
  • Top sector: Financial Services.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~94%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding HDFC Bank Ltd (~5.6%).

Below is the key information for Franklin India Opportunities Fund

Franklin India Opportunities Fund
Growth
Launch Date 21 Feb 00
NAV (11 Sep 25) ₹258.86 ↓ -0.11   (-0.04 %)
Net Assets (Cr) ₹7,376 on 31 Jul 25
Category Equity - Sectoral
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk Moderately High
Expense Ratio 1.83
Sharpe Ratio -0.3
Information Ratio 1.83
Alpha Ratio 1.79
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.

DateValue
31 Aug 20₹10,000
31 Aug 21₹16,290
31 Aug 22₹16,765
31 Aug 23₹21,341
31 Aug 24₹35,884
31 Aug 25₹35,247

Franklin India Opportunities Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹627,226.
Net Profit of ₹327,226
Invest Now

Returns for Franklin India Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Sep 25

DurationReturns
1 Month 4.2%
3 Month 3.2%
6 Month 18.9%
1 Year 1.5%
3 Year 28.4%
5 Year 29.2%
10 Year
15 Year
Since launch 13.6%
Historical performance (Yearly) on absolute basis
YearReturns
2024 37.3%
2023 53.6%
2022 -1.9%
2021 29.7%
2020 27.3%
2019 5.4%
2018 -10.1%
2017 35.6%
2016 4.2%
2015 2.3%
Fund Manager information for Franklin India Opportunities Fund
NameSinceTenure
Kiran Sebastian7 Feb 223.57 Yr.
R. Janakiraman1 Apr 1312.43 Yr.
Sandeep Manam18 Oct 213.87 Yr.

Data below for Franklin India Opportunities Fund as on 31 Jul 25

Equity Sector Allocation
SectorValue
Financial Services19.78%
Consumer Cyclical18.45%
Health Care14.12%
Technology11.61%
Basic Materials9.22%
Communication Services5.73%
Energy5.1%
Industrials4.14%
Utility2.87%
Consumer Defensive1.83%
Real Estate0.84%
Asset Allocation
Asset ClassValue
Cash6.31%
Equity93.69%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 May 24 | HDFCBANK
6%₹413 Cr2,043,971
Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 22 | RELIANCE
5%₹376 Cr2,707,279
↓ -331,689
Axis Bank Ltd (Financial Services)
Equity, Since 30 Apr 25 | 532215
4%₹315 Cr2,950,277
Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Aug 23 | 543320
4%₹294 Cr9,548,090
↓ -582,172
Mphasis Ltd (Technology)
Equity, Since 30 Nov 24 | 526299
3%₹227 Cr814,231
↑ 103,698
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Jan 24 | BHARTIARTL
3%₹222 Cr1,158,502
↓ -183,731
Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 30 Apr 25 | MARUTI
3%₹214 Cr169,582
NTPC Ltd (Utilities)
Equity, Since 31 Aug 22 | 532555
3%₹212 Cr6,333,312
Sudarshan Chemical Industries Ltd (Basic Materials)
Equity, Since 30 Apr 24 | SUDARSCHEM
3%₹206 Cr1,435,340
Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 31 May 24 | M&M
3%₹204 Cr637,966

4. Invesco India PSU Equity Fund

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.

Research Highlights for Invesco India PSU Equity Fund

  • Bottom quartile AUM (₹1,391 Cr).
  • Established history (15+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: High.
  • 5Y return: 28.51% (bottom quartile).
  • 3Y return: 28.32% (bottom quartile).
  • 1Y return: -4.72% (bottom quartile).
  • Alpha: 5.70 (top quartile).
  • Sharpe: -0.57 (bottom quartile).
  • Information ratio: -0.30 (bottom quartile).
  • Higher exposure to Utility vs peer median.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~98%).
  • Largest holding Bharat Electronics Ltd (~8.8%).

Below is the key information for Invesco India PSU Equity Fund

Invesco India PSU Equity Fund
Growth
Launch Date 18 Nov 09
NAV (12 Sep 25) ₹62.99 ↑ 0.89   (1.43 %)
Net Assets (Cr) ₹1,391 on 31 Jul 25
Category Equity - Sectoral
AMC Invesco Asset Management (India) Private Ltd
Rating
Risk High
Expense Ratio 2.14
Sharpe Ratio -0.57
Information Ratio -0.3
Alpha Ratio 5.7
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.

DateValue
31 Aug 20₹10,000
31 Aug 21₹14,116
31 Aug 22₹15,840
31 Aug 23₹20,143
31 Aug 24₹37,355
31 Aug 25₹32,909

Invesco India PSU 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 ₹612,552.
Net Profit of ₹312,552
Invest Now

Returns for Invesco India PSU 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 11 Sep 25

DurationReturns
1 Month 2.2%
3 Month -1.4%
6 Month 19.5%
1 Year -4.7%
3 Year 28.3%
5 Year 28.5%
10 Year
15 Year
Since launch 12.3%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Hiten Jain1 Jul 250.17 Yr.
Sagar Gandhi1 Jul 250.17 Yr.

Data below for Invesco India PSU Equity Fund as on 31 Jul 25

Equity Sector Allocation
SectorValue
Utility27.91%
Industrials27.8%
Financial Services21.95%
Energy16.03%
Basic Materials3.99%
Asset Allocation
Asset ClassValue
Cash2.33%
Equity97.67%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Bharat Electronics Ltd (Industrials)
Equity, Since 31 Mar 17 | BEL
9%₹122 Cr3,178,489
State Bank of India (Financial Services)
Equity, Since 28 Feb 21 | SBIN
8%₹114 Cr1,426,314
↑ 61,200
Bharat Petroleum Corp Ltd (Energy)
Equity, Since 30 Sep 18 | 500547
8%₹113 Cr3,445,961
Power Grid Corp Of India Ltd (Utilities)
Equity, Since 28 Feb 22 | 532898
8%₹105 Cr3,599,413
NTPC Ltd (Utilities)
Equity, Since 31 May 19 | 532555
7%₹103 Cr3,085,790
Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 May 22 | HAL
7%₹103 Cr226,465
Hindustan Petroleum Corp Ltd (Energy)
Equity, Since 30 Nov 23 | HINDPETRO
5%₹65 Cr1,564,169
NHPC Ltd (Utilities)
Equity, Since 31 Oct 22 | NHPC
5%₹64 Cr7,649,437
↑ 832,821
NTPC Green Energy Ltd (Utilities)
Equity, Since 30 Nov 24 | NTPCGREEN
4%₹62 Cr5,911,723
REC Ltd (Financial Services)
Equity, Since 31 Aug 23 | 532955
4%₹59 Cr1,485,615
↑ 362,125

5. ICICI Prudential Infrastructure Fund

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.

Research Highlights for ICICI Prudential Infrastructure Fund

  • Highest AUM (₹7,941 Cr).
  • Established history (20+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: High.
  • 5Y return: 35.64% (top quartile).
  • 3Y return: 27.29% (bottom quartile).
  • 1Y return: -2.19% (lower mid).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: -0.42 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Higher exposure to Industrials vs peer median.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~93%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Larsen & Toubro Ltd (~9.2%).

Below is the key information for ICICI Prudential Infrastructure Fund

ICICI Prudential Infrastructure Fund
Growth
Launch Date 31 Aug 05
NAV (12 Sep 25) ₹193.86 ↑ 0.68   (0.35 %)
Net Assets (Cr) ₹7,941 on 31 Jul 25
Category Equity - Sectoral
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk High
Expense Ratio 1.89
Sharpe Ratio -0.42
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.

DateValue
31 Aug 20₹10,000
31 Aug 21₹17,110
31 Aug 22₹20,943
31 Aug 23₹27,806
31 Aug 24₹44,803
31 Aug 25₹43,202

ICICI Prudential Infrastructure Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹721,906.
Net Profit of ₹421,906
Invest Now

Returns for ICICI Prudential Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Sep 25

DurationReturns
1 Month 1%
3 Month -1%
6 Month 15.5%
1 Year -2.2%
3 Year 27.3%
5 Year 35.6%
10 Year
15 Year
Since launch 15.9%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Ihab Dalwai3 Jun 178.25 Yr.
Sharmila D’mello30 Jun 223.17 Yr.

Data below for ICICI Prudential Infrastructure Fund as on 31 Jul 25

Equity Sector Allocation
SectorValue
Industrials38.31%
Basic Materials15.82%
Financial Services15.42%
Utility10.35%
Energy7.15%
Real Estate2.9%
Consumer Cyclical1.92%
Communication Services1.08%
Asset Allocation
Asset ClassValue
Cash7.04%
Equity92.96%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 09 | LT
9%₹727 Cr1,998,954
↑ 18,750
NTPC Ltd (Utilities)
Equity, Since 29 Feb 16 | 532555
5%₹370 Cr11,079,473
↑ 400,000
Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 May 24 | ADANIPORTS
4%₹312 Cr2,268,659
Reliance Industries Ltd (Energy)
Equity, Since 31 Jul 23 | RELIANCE
4%₹282 Cr2,029,725
↑ 100,000
NCC Ltd (Industrials)
Equity, Since 31 Aug 21 | NCC
3%₹273 Cr12,522,005
Vedanta Ltd (Basic Materials)
Equity, Since 31 Jul 24 | 500295
3%₹267 Cr6,279,591
↑ 120,841
AIA Engineering Ltd (Industrials)
Equity, Since 28 Feb 21 | AIAENG
3%₹207 Cr660,770
Kalpataru Projects International Ltd (Industrials)
Equity, Since 30 Sep 06 | KPIL
3%₹207 Cr1,803,566
Axis Bank Ltd (Financial Services)
Equity, Since 31 Dec 20 | 532215
3%₹203 Cr1,896,057
CESC Ltd (Utilities)
Equity, Since 30 Jun 23 | CESC
2%₹198 Cr11,700,502
↓ -300,000

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.

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.
How helpful was this page ?
Rated 4.5, based on 8 reviews.
POST A COMMENT

Jai Prakash, posted on 23 Jan 22 11:07 AM

Nice information

1 - 1 of 1