Best Mutual Funds in India for SIP 2025 – 2026

Updated on September 17, 2025 , 24731 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

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	₹93.4064 ↓ -0.18	₹45,012	100	4.8	14.2	3.6	20	24.7	18.2
ICICI Prudential Bluechip Fund Growth	₹112.45 ↓ -0.24	₹71,840	100	3.3	12.2	1.7	18.8	21.8	16.9
DSP TOP 100 Equity Growth	₹478.411 ↓ -1.21	₹6,398	500	1.8	9.1	1	17.9	18.8	20.5
Invesco India Largecap Fund Growth	₹71.11 ↓ -0.16	₹1,555	100	4.2	15.4	0.7	17.4	19.3	20
HDFC Top 100 Fund Growth	₹1,155.15 ↓ -1.44	₹37,659	300	3.3	9.9	-2.6	16.7	21.4	11.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Nippon India Large Cap Fund	ICICI Prudential Bluechip Fund	DSP TOP 100 Equity	Invesco India Largecap Fund	HDFC Top 100 Fund
Point 1	Upper mid AUM (₹45,012 Cr).	Highest AUM (₹71,840 Cr).	Bottom quartile AUM (₹6,398 Cr).	Bottom quartile AUM (₹1,555 Cr).	Lower mid AUM (₹37,659 Cr).
Point 2	Established history (18+ yrs).	Established history (17+ yrs).	Established history (22+ yrs).	Established history (16+ yrs).	Oldest track record among peers (28 yrs).
Point 3	Top rated.	Rating: 4★ (upper mid).	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).	Rating: 3★ (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: 24.69% (top quartile).	5Y return: 21.77% (upper mid).	5Y return: 18.84% (bottom quartile).	5Y return: 19.26% (bottom quartile).	5Y return: 21.35% (lower mid).
Point 6	3Y return: 20.01% (top quartile).	3Y return: 18.81% (upper mid).	3Y return: 17.89% (lower mid).	3Y return: 17.36% (bottom quartile).	3Y return: 16.67% (bottom quartile).
Point 7	1Y return: 3.57% (top quartile).	1Y return: 1.68% (upper mid).	1Y return: 0.96% (lower mid).	1Y return: 0.65% (bottom quartile).	1Y return: -2.55% (bottom quartile).
Point 8	Alpha: 2.49 (top quartile).	Alpha: 1.67 (lower mid).	Alpha: -0.52 (bottom quartile).	Alpha: 1.96 (upper mid).	Alpha: -2.93 (bottom quartile).
Point 9	Sharpe: -0.40 (top quartile).	Sharpe: -0.51 (lower mid).	Sharpe: -0.64 (bottom quartile).	Sharpe: -0.50 (upper mid).	Sharpe: -0.87 (bottom quartile).
Point 10	Information ratio: 1.96 (top quartile).	Information ratio: 1.64 (upper mid).	Information ratio: 0.83 (bottom quartile).	Information ratio: 0.70 (bottom quartile).	Information ratio: 0.92 (lower mid).

Nippon India Large Cap Fund

Upper mid AUM (₹45,012 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 24.69% (top quartile).
3Y return: 20.01% (top quartile).
1Y return: 3.57% (top quartile).
Alpha: 2.49 (top quartile).
Sharpe: -0.40 (top quartile).
Information ratio: 1.96 (top quartile).

ICICI Prudential Bluechip Fund

Highest AUM (₹71,840 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 21.77% (upper mid).
3Y return: 18.81% (upper mid).
1Y return: 1.68% (upper mid).
Alpha: 1.67 (lower mid).
Sharpe: -0.51 (lower mid).
Information ratio: 1.64 (upper mid).

DSP TOP 100 Equity

Bottom quartile AUM (₹6,398 Cr).
Established history (22+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 18.84% (bottom quartile).
3Y return: 17.89% (lower mid).
1Y return: 0.96% (lower mid).
Alpha: -0.52 (bottom quartile).
Sharpe: -0.64 (bottom quartile).
Information ratio: 0.83 (bottom quartile).

Invesco India Largecap Fund

Bottom quartile AUM (₹1,555 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 19.26% (bottom quartile).
3Y return: 17.36% (bottom quartile).
1Y return: 0.65% (bottom quartile).
Alpha: 1.96 (upper mid).
Sharpe: -0.50 (upper mid).
Information ratio: 0.70 (bottom quartile).

HDFC Top 100 Fund

Lower mid AUM (₹37,659 Cr).
Oldest track record among peers (28 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 21.35% (lower mid).
3Y return: 16.67% (bottom quartile).
1Y return: -2.55% (bottom quartile).
Alpha: -2.93 (bottom quartile).
Sharpe: -0.87 (bottom quartile).
Information ratio: 0.92 (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 (%)
HDFC Equity Fund Growth	₹2,051.53 ↓ -1.11	₹81,936	300	5.2	14	6.5	22.9	28.6	23.5
Nippon India Multi Cap Fund Growth	₹306.882 ↓ -0.46	₹46,216	100	5	16	1.5	22.9	29.9	25.8
JM Multicap Fund Growth	₹100.099 ↓ -0.19	₹5,943	500	4.8	11.2	-6.5	22.7	26.2	33.3
Motilal Oswal Multicap 35 Fund Growth	₹63.9241 ↓ -0.40	₹13,679	500	7	13.7	3.6	22.4	20	45.7
ICICI Prudential Multicap Fund Growth	₹804.98 ↓ -1.58	₹15,281	100	3.1	12.1	-1.5	20.6	24.4	20.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	HDFC Equity Fund	Nippon India Multi Cap Fund	JM Multicap Fund	Motilal Oswal Multicap 35 Fund	ICICI Prudential Multicap Fund
Point 1	Highest AUM (₹81,936 Cr).	Upper mid AUM (₹46,216 Cr).	Bottom quartile AUM (₹5,943 Cr).	Bottom quartile AUM (₹13,679 Cr).	Lower mid AUM (₹15,281 Cr).
Point 2	Oldest track record among peers (30 yrs).	Established history (20+ yrs).	Established history (17+ yrs).	Established history (11+ yrs).	Established history (30+ yrs).
Point 3	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).	Rating: 4★ (upper mid).	Top rated.	Rating: 3★ (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: 28.57% (upper mid).	5Y return: 29.87% (top quartile).	5Y return: 26.19% (lower mid).	5Y return: 20.03% (bottom quartile).	5Y return: 24.38% (bottom quartile).
Point 6	3Y return: 22.91% (top quartile).	3Y return: 22.91% (upper mid).	3Y return: 22.71% (lower mid).	3Y return: 22.44% (bottom quartile).	3Y return: 20.65% (bottom quartile).
Point 7	1Y return: 6.51% (top quartile).	1Y return: 1.45% (lower mid).	1Y return: -6.47% (bottom quartile).	1Y return: 3.60% (upper mid).	1Y return: -1.54% (bottom quartile).
Point 8	Alpha: 4.96 (upper mid).	Alpha: 3.10 (lower mid).	Alpha: -8.50 (bottom quartile).	Alpha: 9.76 (top quartile).	Alpha: -2.00 (bottom quartile).
Point 9	Sharpe: -0.16 (upper mid).	Sharpe: -0.38 (lower mid).	Sharpe: -1.13 (bottom quartile).	Sharpe: -0.06 (top quartile).	Sharpe: -0.71 (bottom quartile).
Point 10	Information ratio: 1.74 (top quartile).	Information ratio: 1.10 (upper mid).	Information ratio: 1.09 (lower mid).	Information ratio: 0.79 (bottom quartile).	Information ratio: 0.53 (bottom quartile).

HDFC Equity Fund

Highest AUM (₹81,936 Cr).
Oldest track record among peers (30 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 28.57% (upper mid).
3Y return: 22.91% (top quartile).
1Y return: 6.51% (top quartile).
Alpha: 4.96 (upper mid).
Sharpe: -0.16 (upper mid).
Information ratio: 1.74 (top quartile).

Nippon India Multi Cap Fund

Upper mid AUM (₹46,216 Cr).
Established history (20+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 29.87% (top quartile).
3Y return: 22.91% (upper mid).
1Y return: 1.45% (lower mid).
Alpha: 3.10 (lower mid).
Sharpe: -0.38 (lower mid).
Information ratio: 1.10 (upper mid).

JM Multicap Fund

Bottom quartile AUM (₹5,943 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 26.19% (lower mid).
3Y return: 22.71% (lower mid).
1Y return: -6.47% (bottom quartile).
Alpha: -8.50 (bottom quartile).
Sharpe: -1.13 (bottom quartile).
Information ratio: 1.09 (lower mid).

Motilal Oswal Multicap 35 Fund

Bottom quartile AUM (₹13,679 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 20.03% (bottom quartile).
3Y return: 22.44% (bottom quartile).
1Y return: 3.60% (upper mid).
Alpha: 9.76 (top quartile).
Sharpe: -0.06 (top quartile).
Information ratio: 0.79 (bottom quartile).

ICICI Prudential Multicap Fund

Lower mid AUM (₹15,281 Cr).
Established history (30+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 24.38% (bottom quartile).
3Y return: 20.65% (bottom quartile).
1Y return: -1.54% (bottom quartile).
Alpha: -2.00 (bottom quartile).
Sharpe: -0.71 (bottom quartile).
Information ratio: 0.53 (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 (%)
Invesco India Mid Cap Fund Growth	₹184.86 ↑ 0.21	₹8,062	500	7.4	23.9	8.7	28	27.6	43.1
ICICI Prudential MidCap Fund Growth	₹303.73 ↓ -0.31	₹6,492	100	4.2	19	2.4	21.6	26.2	27
TATA Mid Cap Growth Fund Growth	₹439.32 ↓ -0.38	₹4,946	150	5	14.7	-2.6	20.7	24	22.7
BNP Paribas Mid Cap Fund Growth	₹102.458 ↓ -0.03	₹2,157	300	3.8	13	-2.4	19.3	24.1	28.5
Aditya Birla Sun Life Midcap Fund Growth	₹801.76 ↓ -0.33	₹5,970	1,000	3.7	15.5	-2.8	19	24.1	22
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Invesco India Mid Cap Fund	ICICI Prudential MidCap Fund	TATA Mid Cap Growth Fund	BNP Paribas Mid Cap Fund	Aditya Birla Sun Life Midcap Fund
Point 1	Highest AUM (₹8,062 Cr).	Upper mid AUM (₹6,492 Cr).	Bottom quartile AUM (₹4,946 Cr).	Bottom quartile AUM (₹2,157 Cr).	Lower mid AUM (₹5,970 Cr).
Point 2	Established history (18+ yrs).	Established history (20+ yrs).	Oldest track record among peers (31 yrs).	Established history (19+ yrs).	Established history (22+ yrs).
Point 3	Rating: 2★ (lower mid).	Rating: 2★ (bottom quartile).	Rating: 2★ (bottom quartile).	Top rated.	Rating: 3★ (upper mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.
Point 5	5Y return: 27.62% (top quartile).	5Y return: 26.15% (upper mid).	5Y return: 24.04% (bottom quartile).	5Y return: 24.06% (bottom quartile).	5Y return: 24.10% (lower mid).
Point 6	3Y return: 27.96% (top quartile).	3Y return: 21.62% (upper mid).	3Y return: 20.70% (lower mid).	3Y return: 19.27% (bottom quartile).	3Y return: 18.99% (bottom quartile).
Point 7	1Y return: 8.72% (top quartile).	1Y return: 2.44% (upper mid).	1Y return: -2.58% (bottom quartile).	1Y return: -2.45% (lower mid).	1Y return: -2.81% (bottom quartile).
Point 8	Alpha: 0.00 (upper mid).	Alpha: 3.29 (top quartile).	Alpha: -3.10 (bottom quartile).	Alpha: -3.80 (bottom quartile).	Alpha: -0.40 (lower mid).
Point 9	Sharpe: 0.14 (top quartile).	Sharpe: -0.32 (upper mid).	Sharpe: -0.66 (bottom quartile).	Sharpe: -0.72 (bottom quartile).	Sharpe: -0.49 (lower mid).
Point 10	Information ratio: 0.00 (top quartile).	Information ratio: -0.16 (upper mid).	Information ratio: -0.56 (lower mid).	Information ratio: -0.66 (bottom quartile).	Information ratio: -0.78 (bottom quartile).

Invesco India Mid Cap Fund

Highest AUM (₹8,062 Cr).
Established history (18+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 27.62% (top quartile).
3Y return: 27.96% (top quartile).
1Y return: 8.72% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.14 (top quartile).
Information ratio: 0.00 (top quartile).

ICICI Prudential MidCap Fund

Upper mid AUM (₹6,492 Cr).
Established history (20+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 26.15% (upper mid).
3Y return: 21.62% (upper mid).
1Y return: 2.44% (upper mid).
Alpha: 3.29 (top quartile).
Sharpe: -0.32 (upper mid).
Information ratio: -0.16 (upper mid).

TATA Mid Cap Growth Fund

Bottom quartile AUM (₹4,946 Cr).
Oldest track record among peers (31 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 24.04% (bottom quartile).
3Y return: 20.70% (lower mid).
1Y return: -2.58% (bottom quartile).
Alpha: -3.10 (bottom quartile).
Sharpe: -0.66 (bottom quartile).
Information ratio: -0.56 (lower mid).

BNP Paribas Mid Cap Fund

Bottom quartile AUM (₹2,157 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: High.
5Y return: 24.06% (bottom quartile).
3Y return: 19.27% (bottom quartile).
1Y return: -2.45% (lower mid).
Alpha: -3.80 (bottom quartile).
Sharpe: -0.72 (bottom quartile).
Information ratio: -0.66 (bottom quartile).

Aditya Birla Sun Life Midcap Fund

Lower mid AUM (₹5,970 Cr).
Established history (22+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 24.10% (lower mid).
3Y return: 18.99% (bottom quartile).
1Y return: -2.81% (bottom quartile).
Alpha: -0.40 (lower mid).
Sharpe: -0.49 (lower mid).
Information ratio: -0.78 (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 (%)
HDFC Small Cap Fund Growth	₹145.681 ↑ 0.69	₹36,294	300	8.2	24	3	23.6	30	20.4
Nippon India Small Cap Fund Growth	₹172.519 ↑ 0.16	₹64,821	100	4.3	16.6	-4.2	23.4	31.8	26.1
Franklin India Smaller Companies Fund Growth	₹172.351 ↑ 0.23	₹13,302	500	1.6	15.1	-6.8	22.5	28.4	23.2
Sundaram Small Cap Fund Growth	₹264.711 ↑ 0.43	₹3,282	100	4.9	20.1	-1.6	20.8	27.1	19.1
DSP Small Cap Fund Growth	₹200.01 ↑ 0.09	₹16,628	500	3.2	18.7	-0.9	20	26.6	25.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	HDFC Small Cap Fund	Nippon India Small Cap Fund	Franklin India Smaller Companies Fund	Sundaram Small Cap Fund	DSP Small Cap Fund
Point 1	Upper mid AUM (₹36,294 Cr).	Highest AUM (₹64,821 Cr).	Bottom quartile AUM (₹13,302 Cr).	Bottom quartile AUM (₹3,282 Cr).	Lower mid AUM (₹16,628 Cr).
Point 2	Established history (17+ yrs).	Established history (15+ yrs).	Established history (19+ yrs).	Oldest track record among peers (20 yrs).	Established history (18+ yrs).
Point 3	Top rated.	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).	Rating: 3★ (bottom quartile).	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: 29.97% (upper mid).	5Y return: 31.76% (top quartile).	5Y return: 28.43% (lower mid).	5Y return: 27.14% (bottom quartile).	5Y return: 26.55% (bottom quartile).
Point 6	3Y return: 23.58% (top quartile).	3Y return: 23.42% (upper mid).	3Y return: 22.53% (lower mid).	3Y return: 20.77% (bottom quartile).	3Y return: 20.02% (bottom quartile).
Point 7	1Y return: 2.97% (top quartile).	1Y return: -4.18% (bottom quartile).	1Y return: -6.78% (bottom quartile).	1Y return: -1.57% (lower mid).	1Y return: -0.91% (upper mid).
Point 8	Alpha: 0.00 (upper mid).	Alpha: -2.55 (bottom quartile).	Alpha: -5.08 (bottom quartile).	Alpha: 0.97 (top quartile).	Alpha: 0.00 (lower mid).
Point 9	Sharpe: -0.33 (upper mid).	Sharpe: -0.65 (bottom quartile).	Sharpe: -0.76 (bottom quartile).	Sharpe: -0.47 (lower mid).	Sharpe: -0.30 (top quartile).
Point 10	Information ratio: 0.00 (lower mid).	Information ratio: 0.10 (top quartile).	Information ratio: 0.02 (upper mid).	Information ratio: -0.47 (bottom quartile).	Information ratio: 0.00 (bottom quartile).

HDFC Small Cap Fund

Upper mid AUM (₹36,294 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 29.97% (upper mid).
3Y return: 23.58% (top quartile).
1Y return: 2.97% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.33 (upper mid).
Information ratio: 0.00 (lower mid).

Nippon India Small Cap Fund

Highest AUM (₹64,821 Cr).
Established history (15+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 31.76% (top quartile).
3Y return: 23.42% (upper mid).
1Y return: -4.18% (bottom quartile).
Alpha: -2.55 (bottom quartile).
Sharpe: -0.65 (bottom quartile).
Information ratio: 0.10 (top quartile).

Franklin India Smaller Companies Fund

Bottom quartile AUM (₹13,302 Cr).
Established history (19+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately High.
5Y return: 28.43% (lower mid).
3Y return: 22.53% (lower mid).
1Y return: -6.78% (bottom quartile).
Alpha: -5.08 (bottom quartile).
Sharpe: -0.76 (bottom quartile).
Information ratio: 0.02 (upper mid).

Sundaram Small Cap Fund

Bottom quartile AUM (₹3,282 Cr).
Oldest track record among peers (20 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 27.14% (bottom quartile).
3Y return: 20.77% (bottom quartile).
1Y return: -1.57% (lower mid).
Alpha: 0.97 (top quartile).
Sharpe: -0.47 (lower mid).
Information ratio: -0.47 (bottom quartile).

DSP Small Cap Fund

Lower mid AUM (₹16,628 Cr).
Established history (18+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 26.55% (bottom quartile).
3Y return: 20.02% (bottom quartile).
1Y return: -0.91% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.30 (top quartile).
Information ratio: 0.00 (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 (%)
Motilal Oswal Long Term Equity Fund Growth	₹53.3395 ↓ -0.16	₹4,223	500	5.7	19.6	-1.2	25.6	26.3	47.7
SBI Magnum Tax Gain Fund Growth	₹443.24 ↓ -0.74	₹29,937	500	3	10.5	-0.9	24.2	25.1	27.7
HDFC Tax Saver Fund Growth	₹1,449.83 ↓ -1.08	₹16,525	500	4.2	13.8	3.9	22.2	25.2	21.3
IDBI Equity Advantage Fund Growth	₹43.39 ↑ 0.04	₹485	500	9.7	15.1	16.9	20.8	10
HDFC Long Term Advantage Fund Growth	₹595.168 ↑ 0.28	₹1,318	500	1.2	15.4	35.5	20.6	17.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Motilal Oswal Long Term Equity Fund	SBI Magnum Tax Gain Fund	HDFC Tax Saver Fund	IDBI Equity Advantage Fund	HDFC Long Term Advantage Fund
Point 1	Lower mid AUM (₹4,223 Cr).	Highest AUM (₹29,937 Cr).	Upper mid AUM (₹16,525 Cr).	Bottom quartile AUM (₹485 Cr).	Bottom quartile AUM (₹1,318 Cr).
Point 2	Established history (10+ yrs).	Established history (18+ yrs).	Oldest track record among peers (29 yrs).	Established history (12+ yrs).	Established history (24+ yrs).
Point 3	Not Rated.	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: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 26.27% (top quartile).	5Y return: 25.06% (lower mid).	5Y return: 25.24% (upper mid).	5Y return: 9.97% (bottom quartile).	5Y return: 17.39% (bottom quartile).
Point 6	3Y return: 25.63% (top quartile).	3Y return: 24.21% (upper mid).	3Y return: 22.23% (lower mid).	3Y return: 20.84% (bottom quartile).	3Y return: 20.64% (bottom quartile).
Point 7	1Y return: -1.19% (bottom quartile).	1Y return: -0.92% (bottom quartile).	1Y return: 3.85% (lower mid).	1Y return: 16.92% (upper mid).	1Y return: 35.51% (top quartile).
Point 8	Alpha: 7.18 (top quartile).	Alpha: -2.40 (bottom quartile).	Alpha: 3.05 (upper mid).	Alpha: 1.78 (lower mid).	Alpha: 1.75 (bottom quartile).
Point 9	Sharpe: -0.26 (lower mid).	Sharpe: -0.83 (bottom quartile).	Sharpe: -0.35 (bottom quartile).	Sharpe: 1.21 (upper mid).	Sharpe: 2.27 (top quartile).
Point 10	Information ratio: 0.80 (lower mid).	Information ratio: 2.12 (top quartile).	Information ratio: 1.80 (upper mid).	Information ratio: -1.13 (bottom quartile).	Information ratio: -0.15 (bottom quartile).

Motilal Oswal Long Term Equity Fund

Lower mid AUM (₹4,223 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 26.27% (top quartile).
3Y return: 25.63% (top quartile).
1Y return: -1.19% (bottom quartile).
Alpha: 7.18 (top quartile).
Sharpe: -0.26 (lower mid).
Information ratio: 0.80 (lower mid).

SBI Magnum Tax Gain Fund

Highest AUM (₹29,937 Cr).
Established history (18+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 25.06% (lower mid).
3Y return: 24.21% (upper mid).
1Y return: -0.92% (bottom quartile).
Alpha: -2.40 (bottom quartile).
Sharpe: -0.83 (bottom quartile).
Information ratio: 2.12 (top quartile).

HDFC Tax Saver Fund

Upper mid AUM (₹16,525 Cr).
Oldest track record among peers (29 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 25.24% (upper mid).
3Y return: 22.23% (lower mid).
1Y return: 3.85% (lower mid).
Alpha: 3.05 (upper mid).
Sharpe: -0.35 (bottom quartile).
Information ratio: 1.80 (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% (bottom quartile).
1Y return: 16.92% (upper mid).
Alpha: 1.78 (lower mid).
Sharpe: 1.21 (upper mid).
Information ratio: -1.13 (bottom quartile).

HDFC Long Term Advantage Fund

Bottom quartile AUM (₹1,318 Cr).
Established history (24+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.39% (bottom quartile).
3Y return: 20.64% (bottom quartile).
1Y return: 35.51% (top quartile).
Alpha: 1.75 (bottom quartile).
Sharpe: 2.27 (top quartile).
Information ratio: -0.15 (bottom quartile).

Best Sector Funds for SIP

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
SBI Banking & Financial Services Fund Growth	₹42.9963 ↓ -0.08	₹8,371	500	2.8	15.4	10.4	17.9	22.4	19.6
UTI Transportation & Logistics Fund Growth	₹297.145 ↓ -0.31	₹3,741	500	16.5	29	6.2	23.6	26.7	18.7
UTI Banking and Financial Services Fund Growth	₹189.248 ↓ -0.86	₹1,255	500	0.7	11.3	6.1	15	21.8	11.1
TATA Banking and Financial Services Fund Growth	₹42.7273 ↓ -0.19	₹2,819	150	-0.2	12.7	5.2	16.3	20.8	9
SBI Healthcare Opportunities Fund Growth	₹437.535 ↑ 3.81	₹3,963	500	4.2	8.8	5.2	26.6	19.2	42.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	SBI Banking & Financial Services Fund	UTI Transportation & Logistics Fund	UTI Banking and Financial Services Fund	TATA Banking and Financial Services Fund	SBI Healthcare Opportunities Fund
Point 1	Highest AUM (₹8,371 Cr).	Lower mid AUM (₹3,741 Cr).	Bottom quartile AUM (₹1,255 Cr).	Bottom quartile AUM (₹2,819 Cr).	Upper mid AUM (₹3,963 Cr).
Point 2	Established history (10+ yrs).	Oldest track record among peers (21 yrs).	Established history (21+ yrs).	Established history (9+ yrs).	Established history (20+ yrs).
Point 3	Not Rated.	Top rated.	Rating: 3★ (upper mid).	Not Rated.	Rating: 2★ (lower mid).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 22.42% (upper mid).	5Y return: 26.65% (top quartile).	5Y return: 21.79% (lower mid).	5Y return: 20.80% (bottom quartile).	5Y return: 19.22% (bottom quartile).
Point 6	3Y return: 17.88% (lower mid).	3Y return: 23.65% (upper mid).	3Y return: 14.99% (bottom quartile).	3Y return: 16.31% (bottom quartile).	3Y return: 26.57% (top quartile).
Point 7	1Y return: 10.43% (top quartile).	1Y return: 6.20% (upper mid).	1Y return: 6.11% (lower mid).	1Y return: 5.23% (bottom quartile).	1Y return: 5.20% (bottom quartile).
Point 8	Alpha: 0.46 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: -3.36 (bottom quartile).	Alpha: -3.57 (bottom quartile).	Alpha: 2.04 (top quartile).
Point 9	Sharpe: 0.28 (top quartile).	Sharpe: -0.33 (bottom quartile).	Sharpe: 0.01 (upper mid).	Sharpe: -0.01 (lower mid).	Sharpe: -0.05 (bottom quartile).
Point 10	Information ratio: 0.69 (top quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.28 (bottom quartile).	Information ratio: 0.56 (upper mid).	Information ratio: 0.38 (lower mid).

SBI Banking & Financial Services Fund

Highest AUM (₹8,371 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: High.
5Y return: 22.42% (upper mid).
3Y return: 17.88% (lower mid).
1Y return: 10.43% (top quartile).
Alpha: 0.46 (upper mid).
Sharpe: 0.28 (top quartile).
Information ratio: 0.69 (top quartile).

UTI Transportation & Logistics Fund

Lower mid AUM (₹3,741 Cr).
Oldest track record among peers (21 yrs).
Top rated.
Risk profile: High.
5Y return: 26.65% (top quartile).
3Y return: 23.65% (upper mid).
1Y return: 6.20% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.33 (bottom quartile).
Information ratio: 0.00 (bottom quartile).

UTI Banking and Financial Services Fund

Bottom quartile AUM (₹1,255 Cr).
Established history (21+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 21.79% (lower mid).
3Y return: 14.99% (bottom quartile).
1Y return: 6.11% (lower mid).
Alpha: -3.36 (bottom quartile).
Sharpe: 0.01 (upper mid).
Information ratio: 0.28 (bottom quartile).

TATA Banking and Financial Services Fund

Bottom quartile AUM (₹2,819 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: High.
5Y return: 20.80% (bottom quartile).
3Y return: 16.31% (bottom quartile).
1Y return: 5.23% (bottom quartile).
Alpha: -3.57 (bottom quartile).
Sharpe: -0.01 (lower mid).
Information ratio: 0.56 (upper mid).

SBI Healthcare Opportunities Fund

Upper mid AUM (₹3,963 Cr).
Established history (20+ yrs).
Rating: 2★ (lower mid).
Risk profile: High.
5Y return: 19.22% (bottom quartile).
3Y return: 26.57% (top quartile).
1Y return: 5.20% (bottom quartile).
Alpha: 2.04 (top quartile).
Sharpe: -0.05 (bottom quartile).
Information ratio: 0.38 (lower mid).

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	₹94.79 ↓ -0.14	₹12,560	100	5.5	16.9	4.1	23.2	24.7	26.5
HDFC Focused 30 Fund Growth	₹237.437 ↓ -0.57	₹22,444	300	5.3	13.5	6.8	22.5	28.4	24
DSP Focus Fund Growth	₹55.375 ↑ 0.17	₹2,513	500	3.5	10.2	-0.5	17.8	18.6	18.5
Sundaram Select Focus Fund Growth	₹264.968 ↓ -1.18	₹1,354	100	-5	8.5	24.5	17	17.3
Franklin India Focused Equity Fund Growth	₹110.459 ↓ -0.27	₹12,263	500	4.6	12.7	-1.8	16.7	24.5	19.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Focused Equity Fund	HDFC Focused 30 Fund	DSP Focus Fund	Sundaram Select Focus Fund	Franklin India Focused Equity Fund
Point 1	Upper mid AUM (₹12,560 Cr).	Highest AUM (₹22,444 Cr).	Bottom quartile AUM (₹2,513 Cr).	Bottom quartile AUM (₹1,354 Cr).	Lower mid AUM (₹12,263 Cr).
Point 2	Established history (16+ yrs).	Established history (21+ yrs).	Established history (15+ yrs).	Oldest track record among peers (23 yrs).	Established history (18+ yrs).
Point 3	Rating: 2★ (bottom quartile).	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (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: 24.70% (upper mid).	5Y return: 28.43% (top quartile).	5Y return: 18.57% (bottom quartile).	5Y return: 17.29% (bottom quartile).	5Y return: 24.50% (lower mid).
Point 6	3Y return: 23.24% (top quartile).	3Y return: 22.52% (upper mid).	3Y return: 17.79% (lower mid).	3Y return: 17.03% (bottom quartile).	3Y return: 16.68% (bottom quartile).
Point 7	1Y return: 4.14% (lower mid).	1Y return: 6.78% (upper mid).	1Y return: -0.49% (bottom quartile).	1Y return: 24.49% (top quartile).	1Y return: -1.83% (bottom quartile).
Point 8	Alpha: 5.63 (upper mid).	Alpha: 5.69 (top quartile).	Alpha: -2.48 (bottom quartile).	Alpha: -5.62 (bottom quartile).	Alpha: -0.97 (lower mid).
Point 9	Sharpe: -0.26 (lower mid).	Sharpe: -0.07 (upper mid).	Sharpe: -0.77 (bottom quartile).	Sharpe: 1.85 (top quartile).	Sharpe: -0.65 (bottom quartile).
Point 10	Information ratio: 1.77 (top quartile).	Information ratio: 1.54 (upper mid).	Information ratio: 0.17 (bottom quartile).	Information ratio: -0.52 (bottom quartile).	Information ratio: 0.26 (lower mid).

ICICI Prudential Focused Equity Fund

Upper mid AUM (₹12,560 Cr).
Established history (16+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 24.70% (upper mid).
3Y return: 23.24% (top quartile).
1Y return: 4.14% (lower mid).
Alpha: 5.63 (upper mid).
Sharpe: -0.26 (lower mid).
Information ratio: 1.77 (top quartile).

HDFC Focused 30 Fund

Highest AUM (₹22,444 Cr).
Established history (21+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 28.43% (top quartile).
3Y return: 22.52% (upper mid).
1Y return: 6.78% (upper mid).
Alpha: 5.69 (top quartile).
Sharpe: -0.07 (upper mid).
Information ratio: 1.54 (upper mid).

DSP Focus Fund

Bottom quartile AUM (₹2,513 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 18.57% (bottom quartile).
3Y return: 17.79% (lower mid).
1Y return: -0.49% (bottom quartile).
Alpha: -2.48 (bottom quartile).
Sharpe: -0.77 (bottom quartile).
Information ratio: 0.17 (bottom quartile).

Sundaram Select Focus Fund

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

Franklin India Focused Equity Fund

Lower mid AUM (₹12,263 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 24.50% (lower mid).
3Y return: 16.68% (bottom quartile).
1Y return: -1.83% (bottom quartile).
Alpha: -0.97 (lower mid).
Sharpe: -0.65 (bottom quartile).
Information ratio: 0.26 (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 (%)
JM Value Fund Growth	₹99.5802 ↑ 0.40	₹1,019	500	4	13.3	-8.3	24.4	26.4	25.1
ICICI Prudential Value Discovery Fund Growth	₹479.63 ↑ 2.18	₹53,750	100	3.3	12.4	2.5	22.5	25.9	20
Nippon India Value Fund Growth	₹229.031 ↑ 0.06	₹8,584	100	3.5	12.4	-1.8	21.7	25.6	22.3
Aditya Birla Sun Life Pure Value Fund Growth	₹125.048 ↑ 0.26	₹5,879	1,000	1.8	10.6	-5.6	19.7	22	18.5
HDFC Capital Builder Value Fund Growth	₹752.421 ↓ -0.60	₹7,179	300	3	14.9	-0.3	19.5	22.5	20.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	JM Value Fund	ICICI Prudential Value Discovery Fund	Nippon India Value Fund	Aditya Birla Sun Life Pure Value Fund	HDFC Capital Builder Value Fund
Point 1	Bottom quartile AUM (₹1,019 Cr).	Highest AUM (₹53,750 Cr).	Upper mid AUM (₹8,584 Cr).	Bottom quartile AUM (₹5,879 Cr).	Lower mid AUM (₹7,179 Cr).
Point 2	Established history (28+ yrs).	Established history (21+ yrs).	Established history (20+ yrs).	Established history (17+ yrs).	Oldest track record among peers (31 yrs).
Point 3	Top rated.	Rating: 2★ (bottom quartile).	Not Rated.	Rating: 3★ (upper mid).	Rating: 3★ (lower 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: 26.45% (top quartile).	5Y return: 25.95% (upper mid).	5Y return: 25.61% (lower mid).	5Y return: 22.02% (bottom quartile).	5Y return: 22.49% (bottom quartile).
Point 6	3Y return: 24.39% (top quartile).	3Y return: 22.48% (upper mid).	3Y return: 21.71% (lower mid).	3Y return: 19.72% (bottom quartile).	3Y return: 19.45% (bottom quartile).
Point 7	1Y return: -8.31% (bottom quartile).	1Y return: 2.55% (top quartile).	1Y return: -1.78% (lower mid).	1Y return: -5.58% (bottom quartile).	1Y return: -0.31% (upper mid).
Point 8	Alpha: -10.12 (bottom quartile).	Alpha: 0.62 (top quartile).	Alpha: -2.33 (lower mid).	Alpha: -6.25 (bottom quartile).	Alpha: 0.37 (upper mid).
Point 9	Sharpe: -1.17 (bottom quartile).	Sharpe: -0.55 (top quartile).	Sharpe: -0.77 (lower mid).	Sharpe: -0.92 (bottom quartile).	Sharpe: -0.58 (upper mid).
Point 10	Information ratio: 1.05 (bottom quartile).	Information ratio: 1.25 (lower mid).	Information ratio: 1.65 (top quartile).	Information ratio: 0.49 (bottom quartile).	Information ratio: 1.35 (upper mid).

JM Value Fund

Bottom quartile AUM (₹1,019 Cr).
Established history (28+ yrs).
Top rated.
Risk profile: High.
5Y return: 26.45% (top quartile).
3Y return: 24.39% (top quartile).
1Y return: -8.31% (bottom quartile).
Alpha: -10.12 (bottom quartile).
Sharpe: -1.17 (bottom quartile).
Information ratio: 1.05 (bottom quartile).

ICICI Prudential Value Discovery Fund

Highest AUM (₹53,750 Cr).
Established history (21+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 25.95% (upper mid).
3Y return: 22.48% (upper mid).
1Y return: 2.55% (top quartile).
Alpha: 0.62 (top quartile).
Sharpe: -0.55 (top quartile).
Information ratio: 1.25 (lower mid).

Nippon India Value Fund

Upper mid AUM (₹8,584 Cr).
Established history (20+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 25.61% (lower mid).
3Y return: 21.71% (lower mid).
1Y return: -1.78% (lower mid).
Alpha: -2.33 (lower mid).
Sharpe: -0.77 (lower mid).
Information ratio: 1.65 (top quartile).

Aditya Birla Sun Life Pure Value Fund

Bottom quartile AUM (₹5,879 Cr).
Established history (17+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 22.02% (bottom quartile).
3Y return: 19.72% (bottom quartile).
1Y return: -5.58% (bottom quartile).
Alpha: -6.25 (bottom quartile).
Sharpe: -0.92 (bottom quartile).
Information ratio: 0.49 (bottom quartile).

HDFC Capital Builder Value Fund

Lower mid AUM (₹7,179 Cr).
Oldest track record among peers (31 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 22.49% (bottom quartile).
3Y return: 19.45% (bottom quartile).
1Y return: -0.31% (upper mid).
Alpha: 0.37 (upper mid).
Sharpe: -0.58 (upper mid).
Information ratio: 1.35 (upper mid).

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.

How to Invest in Best Mutual Funds?

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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.