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Best Mutual Funds in India for SIP | SIP Calculator- Fincash

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Best Mutual Funds in India for SIP 2025 – 2026

Updated on July 17, 2025 , 24590 views

A Systematic Investment plan (SIP) is considered to be the most efficient way to invest in Mutual Funds, especially for the long-term plan. It permits investors to purchase a unit on a particular date every month in order to implement a long-term savings plan. One of the reasons why investors feel comfortable towards Investing in SIP is the flexibility they offer. Investors can invest in SIP on either monthly, quarterly or weekly Basis, as per their convenience. Let’s learn more about how one can achieve their Financial goals with systematic investment plans, how sip calculator is helpful in investment, along with best mutual funds in India for SIP.

SIP- Optimal Way to Achieve Financial Goals

SIP is designed in a way that one can easily pre-plan their investments and invest according to their financial goals. But, one has to invest for a long-time to achieve goals via SIP. Generally, SIP is widely used for planning goals like-

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  • Buying a car
  • Buying a house
  • Marriage
  • Child’s education
  • Save for an international trip
  • retirement
  • Medical emergencies etc.

One can start investing in SIPs with an amount as minimum as INR 500 and INR 1000. Once you begin investing in SIP your money start going each day as it is exposed to the stock Market. That is why SIPs as a route is mostly preferred in Equity Funds. Moreover, historically, investment in equity stocks has given impressive returns amongst all the other asset classes, if the investment was done with discipline and with a long-term horizon.

SIP in equity helps to avoid the risk of timing the market and facilitate wealth creation by averaging the cost of investment. Let’s look at some more Benefits of SIP that helps in achieving long-term goals:

  • Power of Compounding- Simple interest is when you gain interest on only the principal. In the case of compound interest, the interest amount is added to the principal, and interest is calculated on the new principal (old principal plus gains). This process continues every time. Since SIP in Mutual Funds are in instalments, they are compounded, which adds more to the initially invested sum.

  • Risk reduction- Given that a SIP is spread over a long period of time, one catches all periods of the stock market, the ups and more importantly the downturns. In downturns, when fear catches most investors, SIP instalments continue ensuring the investors buy “low”.

  • Convenience of SIPs- Convenience is one of the biggest benefits of a SIP. A user has to sign-up one-time and go through documentation. Once done, thereafter debits for subsequent investments take place automatically and the investor just has to monitor the investments.

Best Mutual Funds in India for SIP 2025 - 2026

Best Large Cap Funds for SIP

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
Nippon India Large Cap Fund Growth ₹90.4747
↓ -0.45
₹41,750 100 77.62.422.825.318.2
DSP BlackRock TOP 100 Equity Growth ₹475.303
↓ -2.71
₹6,036 500 48.14.420.819.720.5
ICICI Prudential Bluechip Fund Growth ₹109.88
↓ -0.59
₹69,763 100 5.38.22.720.722.416.9
Invesco India Largecap Fund Growth ₹69.43
↓ -0.44
₹1,488 100 7.26.92.619.42020
HDFC Top 100 Fund Growth ₹1,136.74
↓ -6.04
₹37,716 300 3.86.2-0.519.32211.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Jul 25

Best Multi Cap Funds for SIP

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
Nippon India Multi Cap Fund Growth ₹301.39
↓ -1.85
₹43,483 100 10.49.13.227.231.825.8
Motilal Oswal Multicap 35 Fund Growth ₹62.3708
↓ -0.38
₹13,023 500 10.76.69.726.620.545.7
JM Multicap Fund Growth ₹98.0036
↓ -0.75
₹5,917 500 4.6-1.2-7.325.725.933.3
HDFC Equity Fund Growth ₹1,974.08
↓ -15.75
₹75,784 300 4.69.36.425.628.923.5
Mahindra Badhat Yojana Growth ₹36.3405
↓ -0.07
₹5,408 500 11.68.93.224.127.123.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Jul 25

Best Mid Cap Funds for SIP

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
Invesco India Mid Cap Fund Growth ₹183
↓ -0.33
₹6,641 500 18.413.217.431.230.643.1
ICICI Prudential MidCap Fund Growth ₹302.59
↓ -1.63
₹6,421 100 17.411.44.424.729.527
TATA Mid Cap Growth Fund Growth ₹438.136
↓ -2.65
₹4,701 150 11.97.4-0.623.827.222.7
BNP Paribas Mid Cap Fund Growth ₹100.728
↓ -0.76
₹2,137 300 8.13.6-0.722.226.528.5
Aditya Birla Sun Life Midcap Fund Growth ₹800.12
↓ -4.06
₹5,922 1,000 1293.721.827.122
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Jul 25

Best Small Cap Funds for SIP

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
Nippon India Small Cap Fund Growth ₹174.107
↓ -1.29
₹63,007 100 13.15.2-0.628.637.426.1
Franklin India Smaller Companies Fund Growth ₹177.792
↓ -1.53
₹13,545 500 13.35.6-2.428.434.423.2
HDFC Small Cap Fund Growth ₹143.852
↓ -0.31
₹34,032 300 17.28.25.227.634.120.4
L&T Emerging Businesses Fund Growth ₹84.7745
↓ -0.63
₹16,061 500 15.42.3-1.125.735.128.5
Sundaram Small Cap Fund Growth ₹266.41
↓ -1.27
₹3,311 100 14.78.25.725.432.319.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Jul 25

Best ELSS (Tax Saving Mutual Funds) for SIP

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
Motilal Oswal Long Term Equity Fund Growth ₹52.5736
↓ -0.53
₹4,360 500 14.73.38.429.326.647.7
SBI Magnum Tax Gain Fund Growth ₹442.595
↓ -2.00
₹29,667 500 7.96.61.827.527.127.7
HDFC Tax Saver Fund Growth ₹1,403.68
↓ -11.09
₹16,454 500 4.994.124.625.821.3
L&T Tax Advantage Fund Growth ₹135.779
↓ -0.97
₹4,129 500 9.55.73.823.422.533
DSP BlackRock Tax Saver Fund Growth ₹140.297
↓ -1.12
₹16,974 500 5.17.82.322.424.623.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Jul 25

Best Sector Funds for SIP

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
SBI Healthcare Opportunities Fund Growth ₹441.912
↑ 1.09
₹3,689 500 6.96.219.828.523.742.2
UTI Healthcare Fund Growth ₹294.987
↓ -1.62
₹1,062 500 10.15.918.526.321.842.9
SBI Banking & Financial Services Fund Growth ₹42.6658
↓ -0.45
₹7,999 500 6.516.513.222.122.619.6
TATA Banking and Financial Services Fund Growth ₹43.5664
↓ -0.45
₹2,797 150 5.217.613.222.821.19
Baroda Pioneer Banking And Financial Services Fund Growth ₹48.1137
↓ -0.35
₹271 500 414.712.920.720.612.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 Jul 25

Best Focused Funds for SIP

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
HDFC Focused 30 Fund Growth ₹229.083
↓ -1.82
₹19,578 300 4.99.57.225.528.324
ICICI Prudential Focused Equity Fund Growth ₹91.43
↓ -0.65
₹11,667 100 7.1126.224.825.226.5
DSP BlackRock Focus Fund Growth ₹54.97
↓ -0.34
₹2,576 500 68.63.72119.618.5
IIFL Focused Equity Fund Growth ₹47.2525
↓ -0.20
₹7,400 1,000 5.97.2-2.32022.514.7
Franklin India Focused Equity Fund Growth ₹107.312
↓ -0.74
₹12,147 500 5.86.9-0.919.324.319.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Jul 25

Best Value Funds for SIP

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
JM Value Fund Growth ₹100.274
↓ -0.44
₹1,089 500 9.74.7-5.328.527.525.1
L&T India Value Fund Growth ₹111.84
↓ -0.68
₹13,325 500 10.89.61.927.928.325.9
Nippon India Value Fund Growth ₹227.46
↓ -1.53
₹8,664 100 7.26.12.125.327.722.3
ICICI Prudential Value Discovery Fund Growth ₹472.41
↓ -1.26
₹52,598 100 6.88.76.42527.320
Aditya Birla Sun Life Pure Value Fund Growth ₹126.105
↓ -0.90
₹6,161 1,000 9.32.3-223.925.718.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Jul 25

SIP Calculator

SIP calculator is one of the efficient tools an investor can use while investing in mutual funds. Whether one wants to invest to buy a car/house, plan for retirement, a child's higher education or any other asset, the SIP calculator can be used for the same. It helps to calculate the amount of investment and time period that is required for investing to reach the particular financial goal. So, common questions like "how much to invest in a SIP or how till that time should I invest", resolves using this calculator.

When using a SIP calculator, one has to fill certain variables, that include (illustration is given below)-

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

SIP-Calculator

Once you feed all the above-mentioned information, the calculator will end up giving you the amount you will receive (your SIP returns) after the number of years mentioned. Your net profit will be highlighted as well so that you can estimate your goal fulfilment accordingly.

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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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