Best Mutual Funds in India for SIP 2026 – 2027

Updated on March 30, 2026 , 25148 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 2026 - 2027

Fund Selection Methodology used to find 5 funds

Category: Equity
Sub-category: Large%20Cap
AUM Range: 1000 to 100000 Cr
Sorted On : 3-year return (high to low)
Tags: fcpro
No Of Funds: 5

Best Large Cap Funds for SIP

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Nippon India Large Cap Fund Growth	₹82.8154 ↑ 1.31	₹51,404	100	-12	-9.3	0.5	15.3	15	9.2
DSP TOP 100 Equity Growth	₹427.181 ↑ 3.99	₹7,270	500	-12.1	-9.3	-3.6	14.3	10.8	8.4
Invesco India Largecap Fund Growth	₹62.45 ↑ 1.32	₹1,702	100	-12	-9.5	0.6	14	11.8	5.5
ICICI Prudential Bluechip Fund Growth	₹99.87	₹77,452	100	-13.5	-9	-3	13.9	13.2	11.3
Bandhan Large Cap Fund Growth	₹70.652 ↑ 1.22	₹2,024	100	-12.3	-7.9	0.9	13.9	11.1	8.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Apr 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Nippon India Large Cap Fund	DSP TOP 100 Equity	Invesco India Largecap Fund	ICICI Prudential Bluechip Fund	Bandhan Large Cap Fund
Point 1	Upper mid AUM (₹51,404 Cr).	Lower mid AUM (₹7,270 Cr).	Bottom quartile AUM (₹1,702 Cr).	Highest AUM (₹77,452 Cr).	Bottom quartile AUM (₹2,024 Cr).
Point 2	Established history (18+ yrs).	Oldest track record among peers (23 yrs).	Established history (16+ yrs).	Established history (17+ yrs).	Established history (19+ yrs).
Point 3	Top rated.	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).	Rating: 4★ (upper mid).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 15.02% (top quartile).	5Y return: 10.83% (bottom quartile).	5Y return: 11.79% (lower mid).	5Y return: 13.24% (upper mid).	5Y return: 11.05% (bottom quartile).
Point 6	3Y return: 15.33% (top quartile).	3Y return: 14.35% (upper mid).	3Y return: 13.96% (lower mid).	3Y return: 13.93% (bottom quartile).	3Y return: 13.92% (bottom quartile).
Point 7	1Y return: 0.53% (lower mid).	1Y return: -3.59% (bottom quartile).	1Y return: 0.60% (upper mid).	1Y return: -2.96% (bottom quartile).	1Y return: 0.93% (top quartile).
Point 8	Alpha: 2.67 (top quartile).	Alpha: -1.67 (bottom quartile).	Alpha: -0.05 (bottom quartile).	Alpha: 0.83 (lower mid).	Alpha: 1.64 (upper mid).
Point 9	Sharpe: 1.23 (top quartile).	Sharpe: 0.75 (bottom quartile).	Sharpe: 0.97 (bottom quartile).	Sharpe: 1.07 (lower mid).	Sharpe: 1.11 (upper mid).
Point 10	Information ratio: 1.27 (top quartile).	Information ratio: 0.58 (bottom quartile).	Information ratio: 0.44 (bottom quartile).	Information ratio: 0.92 (upper mid).	Information ratio: 0.67 (lower mid).

Nippon India Large Cap Fund

Upper mid AUM (₹51,404 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 15.02% (top quartile).
3Y return: 15.33% (top quartile).
1Y return: 0.53% (lower mid).
Alpha: 2.67 (top quartile).
Sharpe: 1.23 (top quartile).
Information ratio: 1.27 (top quartile).

DSP TOP 100 Equity

Lower mid AUM (₹7,270 Cr).
Oldest track record among peers (23 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 10.83% (bottom quartile).
3Y return: 14.35% (upper mid).
1Y return: -3.59% (bottom quartile).
Alpha: -1.67 (bottom quartile).
Sharpe: 0.75 (bottom quartile).
Information ratio: 0.58 (bottom quartile).

Invesco India Largecap Fund

Bottom quartile AUM (₹1,702 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 11.79% (lower mid).
3Y return: 13.96% (lower mid).
1Y return: 0.60% (upper mid).
Alpha: -0.05 (bottom quartile).
Sharpe: 0.97 (bottom quartile).
Information ratio: 0.44 (bottom quartile).

ICICI Prudential Bluechip Fund

Highest AUM (₹77,452 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 13.24% (upper mid).
3Y return: 13.93% (bottom quartile).
1Y return: -2.96% (bottom quartile).
Alpha: 0.83 (lower mid).
Sharpe: 1.07 (lower mid).
Information ratio: 0.92 (upper mid).

Bandhan Large Cap Fund

Bottom quartile AUM (₹2,024 Cr).
Established history (19+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 11.05% (bottom quartile).
3Y return: 13.92% (bottom quartile).
1Y return: 0.93% (top quartile).
Alpha: 1.64 (upper mid).
Sharpe: 1.11 (upper mid).
Information ratio: 0.67 (lower mid).

Best Multi Cap Funds for SIP

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Aditya Birla Sun Life Manufacturing Equity Fund Growth	₹31.67 ↑ 0.64	₹1,107	1,000	-5.5	-1.9	9.5	19.7	13.1	3.5
Motilal Oswal Multicap 35 Fund Growth	₹52.1077 ↑ 1.05	₹12,890	500	-13.7	-13.8	-7.3	18.7	10.3	-5.6
Nippon India Multi Cap Fund Growth	₹270.79 ↑ 5.36	₹50,820	100	-10	-9.4	1.7	18.5	18.8	4.1
Mahindra Badhat Yojana Growth	₹32.8852 ↑ 0.64	₹6,174	500	-9	-5.4	4	17.8	16	3.4
BNP Paribas Multi Cap Fund Growth	₹73.5154 ↓ -0.01	₹588	300	-4.6	-2.6	19.3	17.3	13.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Apr 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Aditya Birla Sun Life Manufacturing Equity Fund	Motilal Oswal Multicap 35 Fund	Nippon India Multi Cap Fund	Mahindra Badhat Yojana	BNP Paribas Multi Cap Fund
Point 1	Bottom quartile AUM (₹1,107 Cr).	Upper mid AUM (₹12,890 Cr).	Highest AUM (₹50,820 Cr).	Lower mid AUM (₹6,174 Cr).	Bottom quartile AUM (₹588 Cr).
Point 2	Established history (11+ yrs).	Established history (11+ yrs).	Oldest track record among peers (21 yrs).	Established history (8+ yrs).	Established history (20+ yrs).
Point 3	Not Rated.	Top rated.	Rating: 2★ (lower mid).	Not Rated.	Rating: 4★ (upper mid).
Point 4	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 13.09% (bottom quartile).	5Y return: 10.35% (bottom quartile).	5Y return: 18.82% (top quartile).	5Y return: 16.00% (upper mid).	5Y return: 13.57% (lower mid).
Point 6	3Y return: 19.71% (top quartile).	3Y return: 18.65% (upper mid).	3Y return: 18.46% (lower mid).	3Y return: 17.82% (bottom quartile).	3Y return: 17.28% (bottom quartile).
Point 7	1Y return: 9.51% (upper mid).	1Y return: -7.31% (bottom quartile).	1Y return: 1.75% (bottom quartile).	1Y return: 4.00% (lower mid).	1Y return: 19.34% (top quartile).
Point 8	Alpha: 0.00 (lower mid).	Alpha: -11.42 (bottom quartile).	Alpha: 1.47 (upper mid).	Alpha: 2.49 (top quartile).	Alpha: 0.00 (bottom quartile).
Point 9	Sharpe: 1.35 (upper mid).	Sharpe: 0.13 (bottom quartile).	Sharpe: 1.02 (bottom quartile).	Sharpe: 1.15 (lower mid).	Sharpe: 2.86 (top quartile).
Point 10	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.33 (lower mid).	Information ratio: 0.52 (top quartile).	Information ratio: 0.39 (upper mid).	Information ratio: 0.00 (bottom quartile).

Aditya Birla Sun Life Manufacturing Equity Fund

Bottom quartile AUM (₹1,107 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: High.
5Y return: 13.09% (bottom quartile).
3Y return: 19.71% (top quartile).
1Y return: 9.51% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 1.35 (upper mid).
Information ratio: 0.00 (bottom quartile).

Motilal Oswal Multicap 35 Fund

Upper mid AUM (₹12,890 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 10.35% (bottom quartile).
3Y return: 18.65% (upper mid).
1Y return: -7.31% (bottom quartile).
Alpha: -11.42 (bottom quartile).
Sharpe: 0.13 (bottom quartile).
Information ratio: 0.33 (lower mid).

Nippon India Multi Cap Fund

Highest AUM (₹50,820 Cr).
Oldest track record among peers (21 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 18.82% (top quartile).
3Y return: 18.46% (lower mid).
1Y return: 1.75% (bottom quartile).
Alpha: 1.47 (upper mid).
Sharpe: 1.02 (bottom quartile).
Information ratio: 0.52 (top quartile).

Mahindra Badhat Yojana

Lower mid AUM (₹6,174 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 16.00% (upper mid).
3Y return: 17.82% (bottom quartile).
1Y return: 4.00% (lower mid).
Alpha: 2.49 (top quartile).
Sharpe: 1.15 (lower mid).
Information ratio: 0.39 (upper mid).

BNP Paribas Multi Cap Fund

Bottom quartile AUM (₹588 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 13.57% (lower mid).
3Y return: 17.28% (bottom quartile).
1Y return: 19.34% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 2.86 (top quartile).
Information ratio: 0.00 (bottom quartile).

Best Mid Cap Funds for SIP

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
ICICI Prudential MidCap Fund Growth	₹287.93 ↓ -0.01	₹7,280	100	-8.7	-1.6	11.1	22.3	17.8	11.1
TATA Mid Cap Growth Fund Growth	₹404.585 ↑ 7.72	₹5,505	150	-10.6	-5.4	4.8	18.9	15.4	5.8
BNP Paribas Mid Cap Fund Growth	₹97.1492 ↑ 1.59	₹2,341	300	-7.5	-3.3	6.7	18.9	15.5	2.5
Aditya Birla Sun Life Midcap Fund Growth	₹710.62 ↑ 13.83	₹6,130	1,000	-12	-8.2	1.1	17.8	14.9	4.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Mar 26

Research Highlights & Commentary of 4 Funds showcased

Commentary	ICICI Prudential MidCap Fund	TATA Mid Cap Growth Fund	BNP Paribas Mid Cap Fund	Aditya Birla Sun Life Midcap Fund
Point 1	Highest AUM (₹7,280 Cr).	Lower mid AUM (₹5,505 Cr).	Bottom quartile AUM (₹2,341 Cr).	Upper mid AUM (₹6,130 Cr).
Point 2	Established history (21+ yrs).	Oldest track record among peers (31 yrs).	Established history (19+ yrs).	Established history (23+ yrs).
Point 3	Rating: 2★ (lower mid).	Rating: 2★ (bottom quartile).	Top rated.	Rating: 3★ (upper mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.
Point 5	5Y return: 17.78% (top quartile).	5Y return: 15.39% (lower mid).	5Y return: 15.55% (upper mid).	5Y return: 14.88% (bottom quartile).
Point 6	3Y return: 22.28% (top quartile).	3Y return: 18.93% (upper mid).	3Y return: 18.89% (lower mid).	3Y return: 17.79% (bottom quartile).
Point 7	1Y return: 11.10% (top quartile).	1Y return: 4.79% (lower mid).	1Y return: 6.72% (upper mid).	1Y return: 1.05% (bottom quartile).
Point 8	Alpha: 7.09 (top quartile).	Alpha: 2.00 (lower mid).	Alpha: 2.75 (upper mid).	Alpha: -2.93 (bottom quartile).
Point 9	Sharpe: 1.77 (top quartile).	Sharpe: 1.43 (lower mid).	Sharpe: 1.59 (upper mid).	Sharpe: 1.02 (bottom quartile).
Point 10	Information ratio: 0.34 (top quartile).	Information ratio: -0.61 (upper mid).	Information ratio: -0.68 (lower mid).	Information ratio: -0.93 (bottom quartile).

ICICI Prudential MidCap Fund

Highest AUM (₹7,280 Cr).
Established history (21+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 17.78% (top quartile).
3Y return: 22.28% (top quartile).
1Y return: 11.10% (top quartile).
Alpha: 7.09 (top quartile).
Sharpe: 1.77 (top quartile).
Information ratio: 0.34 (top quartile).

TATA Mid Cap Growth Fund

Lower mid AUM (₹5,505 Cr).
Oldest track record among peers (31 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.39% (lower mid).
3Y return: 18.93% (upper mid).
1Y return: 4.79% (lower mid).
Alpha: 2.00 (lower mid).
Sharpe: 1.43 (lower mid).
Information ratio: -0.61 (upper mid).

BNP Paribas Mid Cap Fund

Bottom quartile AUM (₹2,341 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: High.
5Y return: 15.55% (upper mid).
3Y return: 18.89% (lower mid).
1Y return: 6.72% (upper mid).
Alpha: 2.75 (upper mid).
Sharpe: 1.59 (upper mid).
Information ratio: -0.68 (lower mid).

Aditya Birla Sun Life Midcap Fund

Upper mid AUM (₹6,130 Cr).
Established history (23+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 14.88% (bottom quartile).
3Y return: 17.79% (bottom quartile).
1Y return: 1.05% (bottom quartile).
Alpha: -2.93 (bottom quartile).
Sharpe: 1.02 (bottom quartile).
Information ratio: -0.93 (bottom quartile).

Best Small Cap Funds for SIP

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
DSP Small Cap Fund Growth	₹180.514 ↑ 5.54	₹16,886	500	-8.1	-6.9	6.5	18.6	17.6	-2.8
Nippon India Small Cap Fund Growth	₹150.853 ↑ 4.22	₹67,642	100	-9.2	-9.7	0.9	18.4	20.2	-4.7
Sundaram Small Cap Fund Growth	₹234.506 ↑ 8.07	₹3,306	100	-10.1	-9.2	4.7	17.2	16.9	0.4
Aditya Birla Sun Life Small Cap Fund Growth	₹78.1433 ↑ 1.92	₹4,882	1,000	-7.9	-6.8	3.6	16.4	12.6	-3.7
Franklin India Smaller Companies Fund Growth	₹149.251 ↑ 4.40	₹12,934	500	-9.2	-10.1	-1.3	15.7	17	-8.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Apr 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP Small Cap Fund	Nippon India Small Cap Fund	Sundaram Small Cap Fund	Aditya Birla Sun Life Small Cap Fund	Franklin India Smaller Companies Fund
Point 1	Upper mid AUM (₹16,886 Cr).	Highest AUM (₹67,642 Cr).	Bottom quartile AUM (₹3,306 Cr).	Bottom quartile AUM (₹4,882 Cr).	Lower mid AUM (₹12,934 Cr).
Point 2	Established history (18+ yrs).	Established history (15+ yrs).	Oldest track record among peers (21 yrs).	Established history (18+ yrs).	Established history (20+ yrs).
Point 3	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).	Rating: 3★ (bottom quartile).	Top rated.	Rating: 4★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 17.58% (upper mid).	5Y return: 20.20% (top quartile).	5Y return: 16.95% (bottom quartile).	5Y return: 12.56% (bottom quartile).	5Y return: 17.05% (lower mid).
Point 6	3Y return: 18.56% (top quartile).	3Y return: 18.38% (upper mid).	3Y return: 17.23% (lower mid).	3Y return: 16.44% (bottom quartile).	3Y return: 15.70% (bottom quartile).
Point 7	1Y return: 6.53% (top quartile).	1Y return: 0.89% (bottom quartile).	1Y return: 4.70% (upper mid).	1Y return: 3.57% (lower mid).	1Y return: -1.30% (bottom quartile).
Point 8	Alpha: 0.00 (lower mid).	Alpha: 2.58 (upper mid).	Alpha: 6.09 (top quartile).	Alpha: 0.00 (bottom quartile).	Alpha: -0.83 (bottom quartile).
Point 9	Sharpe: 0.90 (lower mid).	Sharpe: 0.76 (bottom quartile).	Sharpe: 1.01 (top quartile).	Sharpe: 0.95 (upper mid).	Sharpe: 0.48 (bottom quartile).
Point 10	Information ratio: 0.00 (top quartile).	Information ratio: -0.10 (lower mid).	Information ratio: -0.31 (bottom quartile).	Information ratio: 0.00 (upper mid).	Information ratio: -0.58 (bottom quartile).

DSP Small Cap Fund

Upper mid AUM (₹16,886 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.58% (upper mid).
3Y return: 18.56% (top quartile).
1Y return: 6.53% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: 0.90 (lower mid).
Information ratio: 0.00 (top quartile).

Nippon India Small Cap Fund

Highest AUM (₹67,642 Cr).
Established history (15+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately High.
5Y return: 20.20% (top quartile).
3Y return: 18.38% (upper mid).
1Y return: 0.89% (bottom quartile).
Alpha: 2.58 (upper mid).
Sharpe: 0.76 (bottom quartile).
Information ratio: -0.10 (lower mid).

Sundaram Small Cap Fund

Bottom quartile AUM (₹3,306 Cr).
Oldest track record among peers (21 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.95% (bottom quartile).
3Y return: 17.23% (lower mid).
1Y return: 4.70% (upper mid).
Alpha: 6.09 (top quartile).
Sharpe: 1.01 (top quartile).
Information ratio: -0.31 (bottom quartile).

Aditya Birla Sun Life Small Cap Fund

Bottom quartile AUM (₹4,882 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 12.56% (bottom quartile).
3Y return: 16.44% (bottom quartile).
1Y return: 3.57% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.95 (upper mid).
Information ratio: 0.00 (upper mid).

Franklin India Smaller Companies Fund

Lower mid AUM (₹12,934 Cr).
Established history (20+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 17.05% (lower mid).
3Y return: 15.70% (bottom quartile).
1Y return: -1.30% (bottom quartile).
Alpha: -0.83 (bottom quartile).
Sharpe: 0.48 (bottom quartile).
Information ratio: -0.58 (bottom quartile).

Best ELSS (Tax Saving Mutual Funds) for SIP

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
IDBI Equity Advantage Fund Growth	₹43.39 ↑ 0.04	₹485	500	9.7	15.1	16.9	20.8	10
Motilal Oswal Long Term Equity Fund Growth	₹47.1041 ↑ 1.29	₹4,175	500	-6.6	-8.8	4.9	20.7	16	-9.1
HDFC Long Term Advantage Fund Growth	₹595.168 ↑ 0.28	₹1,318	500	1.2	15.4	35.5	20.6	17.4
SBI Magnum Tax Gain Fund Growth	₹397.94 ↑ 6.57	₹32,171	500	-13.8	-8.6	-4.2	18.9	16.6	6.6
HDFC Tax Saver Fund Growth	₹1,269.73 ↑ 16.83	₹16,618	500	-13.1	-10.6	-1.7	16.8	16.6	10.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jul 23

Research Highlights & Commentary of 5 Funds showcased

Commentary	IDBI Equity Advantage Fund	Motilal Oswal Long Term Equity Fund	HDFC Long Term Advantage Fund	SBI Magnum Tax Gain Fund	HDFC Tax Saver Fund
Point 1	Bottom quartile AUM (₹485 Cr).	Lower mid AUM (₹4,175 Cr).	Bottom quartile AUM (₹1,318 Cr).	Highest AUM (₹32,171 Cr).	Upper mid AUM (₹16,618 Cr).
Point 2	Established history (12+ yrs).	Established history (11+ yrs).	Established history (25+ yrs).	Established history (18+ yrs).	Oldest track record among peers (30 yrs).
Point 3	Top rated.	Not Rated.	Rating: 3★ (upper mid).	Rating: 2★ (lower mid).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 9.97% (bottom quartile).	5Y return: 16.03% (bottom quartile).	5Y return: 17.39% (top quartile).	5Y return: 16.59% (upper mid).	5Y return: 16.55% (lower mid).
Point 6	3Y return: 20.84% (top quartile).	3Y return: 20.68% (upper mid).	3Y return: 20.64% (lower mid).	3Y return: 18.86% (bottom quartile).	3Y return: 16.77% (bottom quartile).
Point 7	1Y return: 16.92% (upper mid).	1Y return: 4.92% (lower mid).	1Y return: 35.51% (top quartile).	1Y return: -4.25% (bottom quartile).	1Y return: -1.70% (bottom quartile).
Point 8	Alpha: 1.78 (top quartile).	Alpha: -3.97 (bottom quartile).	Alpha: 1.75 (upper mid).	Alpha: 0.04 (bottom quartile).	Alpha: 1.08 (lower mid).
Point 9	Sharpe: 1.21 (upper mid).	Sharpe: 0.64 (bottom quartile).	Sharpe: 2.27 (top quartile).	Sharpe: 0.99 (bottom quartile).	Sharpe: 1.09 (lower mid).
Point 10	Information ratio: -1.13 (bottom quartile).	Information ratio: 0.36 (lower mid).	Information ratio: -0.15 (bottom quartile).	Information ratio: 1.74 (top quartile).	Information ratio: 1.04 (upper mid).

IDBI Equity Advantage Fund

Bottom quartile AUM (₹485 Cr).
Established history (12+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 9.97% (bottom quartile).
3Y return: 20.84% (top quartile).
1Y return: 16.92% (upper mid).
Alpha: 1.78 (top quartile).
Sharpe: 1.21 (upper mid).
Information ratio: -1.13 (bottom quartile).

Motilal Oswal Long Term Equity Fund

Lower mid AUM (₹4,175 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 16.03% (bottom quartile).
3Y return: 20.68% (upper mid).
1Y return: 4.92% (lower mid).
Alpha: -3.97 (bottom quartile).
Sharpe: 0.64 (bottom quartile).
Information ratio: 0.36 (lower mid).

HDFC Long Term Advantage Fund

Bottom quartile AUM (₹1,318 Cr).
Established history (25+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.39% (top quartile).
3Y return: 20.64% (lower mid).
1Y return: 35.51% (top quartile).
Alpha: 1.75 (upper mid).
Sharpe: 2.27 (top quartile).
Information ratio: -0.15 (bottom quartile).

SBI Magnum Tax Gain Fund

Highest AUM (₹32,171 Cr).
Established history (18+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 16.59% (upper mid).
3Y return: 18.86% (bottom quartile).
1Y return: -4.25% (bottom quartile).
Alpha: 0.04 (bottom quartile).
Sharpe: 0.99 (bottom quartile).
Information ratio: 1.74 (top quartile).

HDFC Tax Saver Fund

Upper mid AUM (₹16,618 Cr).
Oldest track record among peers (30 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.55% (lower mid).
3Y return: 16.77% (bottom quartile).
1Y return: -1.70% (bottom quartile).
Alpha: 1.08 (lower mid).
Sharpe: 1.09 (lower mid).
Information ratio: 1.04 (upper mid).

Best Sector Funds for SIP

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
DSP Natural Resources and New Energy Fund Growth	₹104.23 ↑ 0.03	₹1,990	500	3.8	11.7	22.8	22.7	19.7	17.5
BOI AXA Manufacturing and Infrastructure Fund Growth	₹56.29 ↑ 1.15	₹689	1,000	-6	-0.9	12	23.3	20.3	7.8
UTI Transportation & Logistics Fund Growth	₹255.783 ↑ 5.79	₹4,047	500	-14.2	-12.4	11.4	21.7	16.9	19.5
SBI Magnum COMMA Fund Growth	₹105.384 ↓ -0.01	₹999	500	-4.5	0.6	11	18.7	14.1	12.3
SBI PSU Fund Growth	₹32.6872 ↓ 0.00	₹6,545	500	-3.6	1.2	9.3	29.4	25.3	11.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Mar 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP Natural Resources and New Energy Fund	BOI AXA Manufacturing and Infrastructure Fund	UTI Transportation & Logistics Fund	SBI Magnum COMMA Fund	SBI PSU Fund
Point 1	Lower mid AUM (₹1,990 Cr).	Bottom quartile AUM (₹689 Cr).	Upper mid AUM (₹4,047 Cr).	Bottom quartile AUM (₹999 Cr).	Highest AUM (₹6,545 Cr).
Point 2	Established history (17+ yrs).	Established history (16+ yrs).	Oldest track record among peers (21 yrs).	Established history (20+ yrs).	Established history (15+ yrs).
Point 3	Top rated.	Not Rated.	Rating: 3★ (lower mid).	Rating: 4★ (upper mid).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 19.73% (lower mid).	5Y return: 20.29% (upper mid).	5Y return: 16.87% (bottom quartile).	5Y return: 14.09% (bottom quartile).	5Y return: 25.34% (top quartile).
Point 6	3Y return: 22.74% (lower mid).	3Y return: 23.29% (upper mid).	3Y return: 21.69% (bottom quartile).	3Y return: 18.66% (bottom quartile).	3Y return: 29.38% (top quartile).
Point 7	1Y return: 22.82% (top quartile).	1Y return: 12.02% (upper mid).	1Y return: 11.43% (lower mid).	1Y return: 11.04% (bottom quartile).	1Y return: 9.33% (bottom quartile).
Point 8	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).	Alpha: 5.27 (top quartile).	Alpha: 0.92 (upper mid).
Point 9	Sharpe: 2.40 (top quartile).	Sharpe: 1.56 (bottom quartile).	Sharpe: 2.18 (upper mid).	Sharpe: 1.99 (lower mid).	Sharpe: 1.90 (bottom quartile).
Point 10	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: -0.25 (bottom quartile).	Information ratio: -0.27 (bottom quartile).

DSP Natural Resources and New Energy Fund

Lower mid AUM (₹1,990 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: High.
5Y return: 19.73% (lower mid).
3Y return: 22.74% (lower mid).
1Y return: 22.82% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: 2.40 (top quartile).
Information ratio: 0.00 (top quartile).

BOI AXA Manufacturing and Infrastructure Fund

Bottom quartile AUM (₹689 Cr).
Established history (16+ yrs).
Not Rated.
Risk profile: High.
5Y return: 20.29% (upper mid).
3Y return: 23.29% (upper mid).
1Y return: 12.02% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.56 (bottom quartile).
Information ratio: 0.00 (upper mid).

UTI Transportation & Logistics Fund

Upper mid AUM (₹4,047 Cr).
Oldest track record among peers (21 yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 16.87% (bottom quartile).
3Y return: 21.69% (bottom quartile).
1Y return: 11.43% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 2.18 (upper mid).
Information ratio: 0.00 (lower mid).

SBI Magnum COMMA Fund

Bottom quartile AUM (₹999 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 14.09% (bottom quartile).
3Y return: 18.66% (bottom quartile).
1Y return: 11.04% (bottom quartile).
Alpha: 5.27 (top quartile).
Sharpe: 1.99 (lower mid).
Information ratio: -0.25 (bottom quartile).

SBI PSU Fund

Highest AUM (₹6,545 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 25.34% (top quartile).
3Y return: 29.38% (top quartile).
1Y return: 9.33% (bottom quartile).
Alpha: 0.92 (upper mid).
Sharpe: 1.90 (bottom quartile).
Information ratio: -0.27 (bottom quartile).

Best Focused Funds for SIP

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
ICICI Prudential Focused Equity Fund Growth	₹82.9	₹15,145	100	-15.3	-9.6	-0.8	17.9	16	15.4
Sundaram Select Focus Fund Growth	₹264.968 ↓ -1.18	₹1,354	100	-5	8.5	24.5	17	17.3
HDFC Focused 30 Fund Growth	₹211.471 ↑ 2.92	₹27,136	300	-12.6	-9.8	-2.5	16.6	18.7	10.9
DSP Focus Fund Growth	₹48.737 ↑ 0.62	₹2,607	500	-13.4	-9.4	-3.7	15.6	10.5	7.3
SBI Focused Equity Fund Growth	₹336.446 ↑ 1.51	₹43,311	500	-11.7	-4.8	3.2	15.6	12.5	15.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Mar 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Focused Equity Fund	Sundaram Select Focus Fund	HDFC Focused 30 Fund	DSP Focus Fund	SBI Focused Equity Fund
Point 1	Lower mid AUM (₹15,145 Cr).	Bottom quartile AUM (₹1,354 Cr).	Upper mid AUM (₹27,136 Cr).	Bottom quartile AUM (₹2,607 Cr).	Highest AUM (₹43,311 Cr).
Point 2	Established history (16+ yrs).	Oldest track record among peers (23 yrs).	Established history (21+ yrs).	Established history (15+ yrs).	Established history (21+ yrs).
Point 3	Rating: 2★ (bottom quartile).	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 16.00% (lower mid).	5Y return: 17.29% (upper mid).	5Y return: 18.66% (top quartile).	5Y return: 10.46% (bottom quartile).	5Y return: 12.46% (bottom quartile).
Point 6	3Y return: 17.90% (top quartile).	3Y return: 17.03% (upper mid).	3Y return: 16.64% (lower mid).	3Y return: 15.63% (bottom quartile).	3Y return: 15.61% (bottom quartile).
Point 7	1Y return: -0.78% (lower mid).	1Y return: 24.49% (top quartile).	1Y return: -2.52% (bottom quartile).	1Y return: -3.73% (bottom quartile).	1Y return: 3.21% (upper mid).
Point 8	Alpha: 4.93 (upper mid).	Alpha: -5.62 (bottom quartile).	Alpha: 3.77 (lower mid).	Alpha: -1.19 (bottom quartile).	Alpha: 5.02 (top quartile).
Point 9	Sharpe: 1.41 (bottom quartile).	Sharpe: 1.85 (top quartile).	Sharpe: 1.45 (lower mid).	Sharpe: 0.82 (bottom quartile).	Sharpe: 1.50 (upper mid).
Point 10	Information ratio: 1.38 (top quartile).	Information ratio: -0.52 (bottom quartile).	Information ratio: 0.94 (upper mid).	Information ratio: 0.24 (bottom quartile).	Information ratio: 0.33 (lower mid).

ICICI Prudential Focused Equity Fund

Lower mid AUM (₹15,145 Cr).
Established history (16+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.00% (lower mid).
3Y return: 17.90% (top quartile).
1Y return: -0.78% (lower mid).
Alpha: 4.93 (upper mid).
Sharpe: 1.41 (bottom quartile).
Information ratio: 1.38 (top quartile).

Sundaram Select Focus Fund

Bottom quartile AUM (₹1,354 Cr).
Oldest track record among peers (23 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 17.29% (upper mid).
3Y return: 17.03% (upper mid).
1Y return: 24.49% (top quartile).
Alpha: -5.62 (bottom quartile).
Sharpe: 1.85 (top quartile).
Information ratio: -0.52 (bottom quartile).

HDFC Focused 30 Fund

Upper mid AUM (₹27,136 Cr).
Established history (21+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 18.66% (top quartile).
3Y return: 16.64% (lower mid).
1Y return: -2.52% (bottom quartile).
Alpha: 3.77 (lower mid).
Sharpe: 1.45 (lower mid).
Information ratio: 0.94 (upper mid).

DSP Focus Fund

Bottom quartile AUM (₹2,607 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 10.46% (bottom quartile).
3Y return: 15.63% (bottom quartile).
1Y return: -3.73% (bottom quartile).
Alpha: -1.19 (bottom quartile).
Sharpe: 0.82 (bottom quartile).
Information ratio: 0.24 (bottom quartile).

SBI Focused Equity Fund

Highest AUM (₹43,311 Cr).
Established history (21+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 12.46% (bottom quartile).
3Y return: 15.61% (bottom quartile).
1Y return: 3.21% (upper mid).
Alpha: 5.02 (top quartile).
Sharpe: 1.50 (upper mid).
Information ratio: 0.33 (lower mid).

Best Value Funds for SIP

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Nippon India Value Fund Growth	₹204.804 ↑ 3.72	₹9,034	100	-12	-8.8	-0.6	19.2	16	4.2
Aditya Birla Sun Life Pure Value Fund Growth	₹116.341 ↑ 2.41	₹6,259	1,000	-10.6	-4.8	1.6	17.6	14.1	2.6
ICICI Prudential Value Discovery Fund Growth	₹436.19 ↓ -0.01	₹60,571	100	-12.5	-6.6	-0.2	16.8	17.8	13.8
Tata Equity P/E Fund Regular Plan - Dividend Trigger A (5%) Normal Dividend, Reinvestment	₹120.253 ↑ 2.17	₹8,774	150	-11.1	-6.6	1.2	16.5	14.2	3.7
Tata Equity P/E Fund Regular Plan - Dividend Trigger B(10%) Normal Dividend, Reinvestment	₹108.21 ↑ 1.95	₹8,774	150	-11.1	-6.6	1.2	16.4	14.2	3.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Apr 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Nippon India Value Fund	Aditya Birla Sun Life Pure Value Fund	ICICI Prudential Value Discovery Fund	Tata Equity P/E Fund Regular Plan - Dividend Trigger A (5%)	Tata Equity P/E Fund Regular Plan - Dividend Trigger B(10%)
Point 1	Upper mid AUM (₹9,034 Cr).	Bottom quartile AUM (₹6,259 Cr).	Highest AUM (₹60,571 Cr).	Lower mid AUM (₹8,774 Cr).	Bottom quartile AUM (₹8,774 Cr).
Point 2	Established history (20+ yrs).	Established history (18+ yrs).	Oldest track record among peers (21 yrs).	Established history (16+ yrs).	Established history (21+ yrs).
Point 3	Not Rated.	Top rated.	Rating: 2★ (upper mid).	Not Rated.	Not Rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 16.04% (upper mid).	5Y return: 14.11% (bottom quartile).	5Y return: 17.76% (top quartile).	5Y return: 14.22% (lower mid).	5Y return: 14.17% (bottom quartile).
Point 6	3Y return: 19.17% (top quartile).	3Y return: 17.58% (upper mid).	3Y return: 16.80% (lower mid).	3Y return: 16.50% (bottom quartile).	3Y return: 16.44% (bottom quartile).
Point 7	1Y return: -0.60% (bottom quartile).	1Y return: 1.55% (top quartile).	1Y return: -0.18% (bottom quartile).	1Y return: 1.22% (lower mid).	1Y return: 1.22% (upper mid).
Point 8	Alpha: -0.10 (bottom quartile).	Alpha: 0.13 (upper mid).	Alpha: 2.51 (top quartile).	Alpha: 0.08 (lower mid).	Alpha: 0.08 (bottom quartile).
Point 9	Sharpe: 0.99 (bottom quartile).	Sharpe: 0.96 (bottom quartile).	Sharpe: 1.27 (top quartile).	Sharpe: 1.00 (upper mid).	Sharpe: 1.00 (lower mid).
Point 10	Information ratio: 1.57 (top quartile).	Information ratio: 0.56 (bottom quartile).	Information ratio: 0.65 (upper mid).	Information ratio: 0.60 (lower mid).	Information ratio: 0.59 (bottom quartile).

Nippon India Value Fund

Upper mid AUM (₹9,034 Cr).
Established history (20+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 16.04% (upper mid).
3Y return: 19.17% (top quartile).
1Y return: -0.60% (bottom quartile).
Alpha: -0.10 (bottom quartile).
Sharpe: 0.99 (bottom quartile).
Information ratio: 1.57 (top quartile).

Aditya Birla Sun Life Pure Value Fund

Bottom quartile AUM (₹6,259 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 14.11% (bottom quartile).
3Y return: 17.58% (upper mid).
1Y return: 1.55% (top quartile).
Alpha: 0.13 (upper mid).
Sharpe: 0.96 (bottom quartile).
Information ratio: 0.56 (bottom quartile).

ICICI Prudential Value Discovery Fund

Highest AUM (₹60,571 Cr).
Oldest track record among peers (21 yrs).
Rating: 2★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.76% (top quartile).
3Y return: 16.80% (lower mid).
1Y return: -0.18% (bottom quartile).
Alpha: 2.51 (top quartile).
Sharpe: 1.27 (top quartile).
Information ratio: 0.65 (upper mid).

Tata Equity P/E Fund Regular Plan - Dividend Trigger A (5%)

Lower mid AUM (₹8,774 Cr).
Established history (16+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 14.22% (lower mid).
3Y return: 16.50% (bottom quartile).
1Y return: 1.22% (lower mid).
Alpha: 0.08 (lower mid).
Sharpe: 1.00 (upper mid).
Information ratio: 0.60 (lower mid).

Tata Equity P/E Fund Regular Plan - Dividend Trigger B(10%)

Bottom quartile AUM (₹8,774 Cr).
Established history (21+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 14.17% (bottom quartile).
3Y return: 16.44% (bottom quartile).
1Y return: 1.22% (upper mid).
Alpha: 0.08 (bottom quartile).
Sharpe: 1.00 (lower mid).
Information ratio: 0.59 (bottom quartile).

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

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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Open Free Investment Account for Lifetime at Fincash.com.

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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.