Best Mutual Funds in India for SIP 2026 – 2027

Updated on June 28, 2026 , 25396 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 (%)
Invesco India Largecap Fund Growth	₹70.64 ↓ -0.02	₹1,749	100	15.6	-0.4	-0.3	13.6	12.6	5.5
Nippon India Large Cap Fund Growth	₹89.3882 ↓ -0.21	₹51,660	100	9.7	-5	-2.6	13.2	15.1	9.2
ICICI Prudential Bluechip Fund Growth	₹107.56 ↓ -0.16	₹76,297	100	7.7	-6.9	-3.6	12.9	13.2	11.3
DSP TOP 100 Equity Growth	₹454.645 ↓ -1.24	₹7,175	500	7.4	-6.7	-5.3	12.3	10.6	8.4
Bandhan Large Cap Fund Growth	₹76.458 ↓ -0.12	₹2,001	100	10.1	-4.8	-1.4	12.3	11.5	8.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Jun 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Invesco India Largecap Fund	Nippon India Large Cap Fund	ICICI Prudential Bluechip Fund	DSP TOP 100 Equity	Bandhan Large Cap Fund
Point 1	Bottom quartile AUM (₹1,749 Cr).	Upper mid AUM (₹51,660 Cr).	Highest AUM (₹76,297 Cr).	Lower mid AUM (₹7,175 Cr).	Bottom quartile AUM (₹2,001 Cr).
Point 2	Established history (16+ yrs).	Established history (18+ yrs).	Established history (18+ yrs).	Oldest track record among peers (23 yrs).	Established history (20+ yrs).
Point 3	Rating: 3★ (lower mid).	Top rated.	Rating: 4★ (upper mid).	Rating: 2★ (bottom quartile).	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: 12.63% (lower mid).	5Y return: 15.12% (top quartile).	5Y return: 13.19% (upper mid).	5Y return: 10.62% (bottom quartile).	5Y return: 11.50% (bottom quartile).
Point 6	3Y return: 13.57% (top quartile).	3Y return: 13.19% (upper mid).	3Y return: 12.88% (lower mid).	3Y return: 12.35% (bottom quartile).	3Y return: 12.25% (bottom quartile).
Point 7	1Y return: -0.32% (top quartile).	1Y return: -2.61% (lower mid).	1Y return: -3.65% (bottom quartile).	1Y return: -5.29% (bottom quartile).	1Y return: -1.43% (upper mid).
Point 8	Alpha: 1.94 (upper mid).	Alpha: 0.46 (lower mid).	Alpha: -1.97 (bottom quartile).	Alpha: -4.25 (bottom quartile).	Alpha: 1.95 (top quartile).
Point 9	Sharpe: -0.24 (top quartile).	Sharpe: -0.35 (lower mid).	Sharpe: -0.48 (bottom quartile).	Sharpe: -0.67 (bottom quartile).	Sharpe: -0.26 (upper mid).
Point 10	Information ratio: 0.75 (lower mid).	Information ratio: 1.03 (top quartile).	Information ratio: 0.90 (upper mid).	Information ratio: 0.56 (bottom quartile).	Information ratio: 0.66 (bottom quartile).

Invesco India Largecap Fund

Bottom quartile AUM (₹1,749 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 12.63% (lower mid).
3Y return: 13.57% (top quartile).
1Y return: -0.32% (top quartile).
Alpha: 1.94 (upper mid).
Sharpe: -0.24 (top quartile).
Information ratio: 0.75 (lower mid).

Nippon India Large Cap Fund

Upper mid AUM (₹51,660 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 15.12% (top quartile).
3Y return: 13.19% (upper mid).
1Y return: -2.61% (lower mid).
Alpha: 0.46 (lower mid).
Sharpe: -0.35 (lower mid).
Information ratio: 1.03 (top quartile).

ICICI Prudential Bluechip Fund

Highest AUM (₹76,297 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 13.19% (upper mid).
3Y return: 12.88% (lower mid).
1Y return: -3.65% (bottom quartile).
Alpha: -1.97 (bottom quartile).
Sharpe: -0.48 (bottom quartile).
Information ratio: 0.90 (upper mid).

DSP TOP 100 Equity

Lower mid AUM (₹7,175 Cr).
Oldest track record among peers (23 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 10.62% (bottom quartile).
3Y return: 12.35% (bottom quartile).
1Y return: -5.29% (bottom quartile).
Alpha: -4.25 (bottom quartile).
Sharpe: -0.67 (bottom quartile).
Information ratio: 0.56 (bottom quartile).

Bandhan Large Cap Fund

Bottom quartile AUM (₹2,001 Cr).
Established history (20+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 11.50% (bottom quartile).
3Y return: 12.25% (bottom quartile).
1Y return: -1.43% (upper mid).
Alpha: 1.95 (top quartile).
Sharpe: -0.26 (upper mid).
Information ratio: 0.66 (bottom quartile).

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	₹37.01 ↑ 0.14	₹1,198	1,000	19.3	10.8	15.1	20.4	13.9	3.5
Mahindra Badhat Yojana Growth	₹37.6792 ↑ 0.15	₹6,643	500	16.8	4.6	4.4	18	15.9	3.4
ICICI Prudential Multicap Fund Growth	₹847.41 ↑ 1.38	₹17,676	100	18.6	5.1	5.7	17.8	16.2	5.7
Motilal Oswal Multicap 35 Fund Growth	₹58.5557 ↑ 0.51	₹12,937	500	14.7	-2.9	-7.8	17.8	11.9	-5.6
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 30 Jun 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Aditya Birla Sun Life Manufacturing Equity Fund	Mahindra Badhat Yojana	ICICI Prudential Multicap Fund	Motilal Oswal Multicap 35 Fund	BNP Paribas Multi Cap Fund
Point 1	Bottom quartile AUM (₹1,198 Cr).	Lower mid AUM (₹6,643 Cr).	Highest AUM (₹17,676 Cr).	Upper mid AUM (₹12,937 Cr).	Bottom quartile AUM (₹588 Cr).
Point 2	Established history (11+ yrs).	Established history (9+ yrs).	Oldest track record among peers (31 yrs).	Established history (12+ yrs).	Established history (20+ yrs).
Point 3	Not Rated.	Not Rated.	Rating: 3★ (lower mid).	Top 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: 13.91% (lower mid).	5Y return: 15.94% (upper mid).	5Y return: 16.17% (top quartile).	5Y return: 11.92% (bottom quartile).	5Y return: 13.57% (bottom quartile).
Point 6	3Y return: 20.39% (top quartile).	3Y return: 17.95% (upper mid).	3Y return: 17.82% (lower mid).	3Y return: 17.81% (bottom quartile).	3Y return: 17.28% (bottom quartile).
Point 7	1Y return: 15.08% (upper mid).	1Y return: 4.39% (bottom quartile).	1Y return: 5.73% (lower mid).	1Y return: -7.84% (bottom quartile).	1Y return: 19.34% (top quartile).
Point 8	Alpha: 0.00 (lower mid).	Alpha: 4.99 (upper mid).	Alpha: 5.38 (top quartile).	Alpha: -5.87 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 9	Sharpe: 0.59 (upper mid).	Sharpe: 0.15 (bottom quartile).	Sharpe: 0.15 (lower mid).	Sharpe: -0.52 (bottom quartile).	Sharpe: 2.86 (top quartile).
Point 10	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.65 (upper mid).	Information ratio: 0.79 (top quartile).	Information ratio: 0.47 (lower mid).	Information ratio: 0.00 (bottom quartile).

Aditya Birla Sun Life Manufacturing Equity Fund

Bottom quartile AUM (₹1,198 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: High.
5Y return: 13.91% (lower mid).
3Y return: 20.39% (top quartile).
1Y return: 15.08% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.59 (upper mid).
Information ratio: 0.00 (bottom quartile).

Mahindra Badhat Yojana

Lower mid AUM (₹6,643 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 15.94% (upper mid).
3Y return: 17.95% (upper mid).
1Y return: 4.39% (bottom quartile).
Alpha: 4.99 (upper mid).
Sharpe: 0.15 (bottom quartile).
Information ratio: 0.65 (upper mid).

ICICI Prudential Multicap Fund

Highest AUM (₹17,676 Cr).
Oldest track record among peers (31 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 16.17% (top quartile).
3Y return: 17.82% (lower mid).
1Y return: 5.73% (lower mid).
Alpha: 5.38 (top quartile).
Sharpe: 0.15 (lower mid).
Information ratio: 0.79 (top quartile).

Motilal Oswal Multicap 35 Fund

Upper mid AUM (₹12,937 Cr).
Established history (12+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 11.92% (bottom quartile).
3Y return: 17.81% (bottom quartile).
1Y return: -7.84% (bottom quartile).
Alpha: -5.87 (bottom quartile).
Sharpe: -0.52 (bottom quartile).
Information ratio: 0.47 (lower 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% (bottom quartile).
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	₹337.07 ↑ 0.51	₹7,789	100	17.1	6.9	10.6	23.8	18.1	11.1
BNP Paribas Mid Cap Fund Growth	₹110.48 ↑ 0.29	₹2,461	300	15.6	5.4	8.2	19.2	15.9	2.5
Aditya Birla Sun Life Midcap Fund Growth	₹830.95 ↑ 2.70	₹6,398	1,000	19.3	3.3	4	18	15.7	4.4
TATA Mid Cap Growth Fund Growth	₹452.503 ↑ 1.67	₹5,732	150	14	0.3	4.1	17.6	15.7	5.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Jun 26

Research Highlights & Commentary of 4 Funds showcased

Commentary	ICICI Prudential MidCap Fund	BNP Paribas Mid Cap Fund	Aditya Birla Sun Life Midcap Fund	TATA Mid Cap Growth Fund
Point 1	Highest AUM (₹7,789 Cr).	Bottom quartile AUM (₹2,461 Cr).	Upper mid AUM (₹6,398 Cr).	Lower mid AUM (₹5,732 Cr).
Point 2	Established history (21+ yrs).	Established history (20+ yrs).	Established history (23+ yrs).	Oldest track record among peers (32 yrs).
Point 3	Rating: 2★ (lower mid).	Top rated.	Rating: 3★ (upper mid).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 18.12% (top quartile).	5Y return: 15.86% (upper mid).	5Y return: 15.66% (bottom quartile).	5Y return: 15.73% (lower mid).
Point 6	3Y return: 23.82% (top quartile).	3Y return: 19.22% (upper mid).	3Y return: 17.98% (lower mid).	3Y return: 17.63% (bottom quartile).
Point 7	1Y return: 10.61% (top quartile).	1Y return: 8.22% (upper mid).	1Y return: 4.03% (bottom quartile).	1Y return: 4.05% (lower mid).
Point 8	Alpha: 9.08 (top quartile).	Alpha: 2.64 (upper mid).	Alpha: -1.82 (bottom quartile).	Alpha: 0.38 (lower mid).
Point 9	Sharpe: 0.61 (top quartile).	Sharpe: 0.34 (upper mid).	Sharpe: 0.09 (bottom quartile).	Sharpe: 0.20 (lower mid).
Point 10	Information ratio: 0.84 (top quartile).	Information ratio: -0.33 (upper mid).	Information ratio: -0.78 (lower mid).	Information ratio: -0.87 (bottom quartile).

ICICI Prudential MidCap Fund

Highest AUM (₹7,789 Cr).
Established history (21+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 18.12% (top quartile).
3Y return: 23.82% (top quartile).
1Y return: 10.61% (top quartile).
Alpha: 9.08 (top quartile).
Sharpe: 0.61 (top quartile).
Information ratio: 0.84 (top quartile).

BNP Paribas Mid Cap Fund

Bottom quartile AUM (₹2,461 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: High.
5Y return: 15.86% (upper mid).
3Y return: 19.22% (upper mid).
1Y return: 8.22% (upper mid).
Alpha: 2.64 (upper mid).
Sharpe: 0.34 (upper mid).
Information ratio: -0.33 (upper mid).

Aditya Birla Sun Life Midcap Fund

Upper mid AUM (₹6,398 Cr).
Established history (23+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 15.66% (bottom quartile).
3Y return: 17.98% (lower mid).
1Y return: 4.03% (bottom quartile).
Alpha: -1.82 (bottom quartile).
Sharpe: 0.09 (bottom quartile).
Information ratio: -0.78 (lower mid).

TATA Mid Cap Growth Fund

Lower mid AUM (₹5,732 Cr).
Oldest track record among peers (32 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.73% (lower mid).
3Y return: 17.63% (bottom quartile).
1Y return: 4.05% (lower mid).
Alpha: 0.38 (lower mid).
Sharpe: 0.20 (lower mid).
Information ratio: -0.87 (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	₹217.965 ↑ 2.34	₹18,358	500	24.6	11.4	7.9	18.7	18.2	-2.8
Sundaram Small Cap Fund Growth	₹286.122 ↑ 2.75	₹3,681	100	26.4	10.2	9.4	18.6	17.3	0.4
Nippon India Small Cap Fund Growth	₹180.341 ↑ 0.89	₹74,604	100	23	8.4	4	18.3	20.2	-4.7
IDBI Small Cap Fund Growth	₹33.561 ↑ 0.25	₹695	500	29.4	14	9.7	18	18.3	-13.4
Aditya Birla Sun Life Small Cap Fund Growth	₹95.2692 ↑ 0.86	₹5,453	1,000	25	12.5	8.5	17	13.7	-3.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Jun 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP Small Cap Fund	Sundaram Small Cap Fund	Nippon India Small Cap Fund	IDBI Small Cap Fund	Aditya Birla Sun Life Small Cap Fund
Point 1	Upper mid AUM (₹18,358 Cr).	Bottom quartile AUM (₹3,681 Cr).	Highest AUM (₹74,604 Cr).	Bottom quartile AUM (₹695 Cr).	Lower mid AUM (₹5,453 Cr).
Point 2	Established history (19+ yrs).	Oldest track record among peers (21 yrs).	Established history (15+ yrs).	Established history (9+ yrs).	Established history (19+ yrs).
Point 3	Rating: 4★ (upper mid).	Rating: 3★ (bottom quartile).	Rating: 4★ (lower mid).	Not Rated.	Top 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: 18.23% (lower mid).	5Y return: 17.29% (bottom quartile).	5Y return: 20.21% (top quartile).	5Y return: 18.28% (upper mid).	5Y return: 13.73% (bottom quartile).
Point 6	3Y return: 18.73% (top quartile).	3Y return: 18.55% (upper mid).	3Y return: 18.28% (lower mid).	3Y return: 18.01% (bottom quartile).	3Y return: 17.02% (bottom quartile).
Point 7	1Y return: 7.86% (bottom quartile).	1Y return: 9.37% (upper mid).	1Y return: 4.04% (bottom quartile).	1Y return: 9.74% (top quartile).	1Y return: 8.52% (lower mid).
Point 8	Alpha: 0.00 (bottom quartile).	Alpha: 7.77 (top quartile).	Alpha: 2.35 (lower mid).	Alpha: 5.40 (upper mid).	Alpha: 0.00 (bottom quartile).
Point 9	Sharpe: 0.13 (bottom quartile).	Sharpe: 0.26 (top quartile).	Sharpe: 0.05 (bottom quartile).	Sharpe: 0.17 (lower mid).	Sharpe: 0.23 (upper mid).
Point 10	Information ratio: 0.00 (top quartile).	Information ratio: -0.16 (lower mid).	Information ratio: -0.24 (bottom quartile).	Information ratio: -0.35 (bottom quartile).	Information ratio: 0.00 (upper mid).

DSP Small Cap Fund

Upper mid AUM (₹18,358 Cr).
Established history (19+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 18.23% (lower mid).
3Y return: 18.73% (top quartile).
1Y return: 7.86% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.13 (bottom quartile).
Information ratio: 0.00 (top quartile).

Sundaram Small Cap Fund

Bottom quartile AUM (₹3,681 Cr).
Oldest track record among peers (21 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 17.29% (bottom quartile).
3Y return: 18.55% (upper mid).
1Y return: 9.37% (upper mid).
Alpha: 7.77 (top quartile).
Sharpe: 0.26 (top quartile).
Information ratio: -0.16 (lower mid).

Nippon India Small Cap Fund

Highest AUM (₹74,604 Cr).
Established history (15+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately High.
5Y return: 20.21% (top quartile).
3Y return: 18.28% (lower mid).
1Y return: 4.04% (bottom quartile).
Alpha: 2.35 (lower mid).
Sharpe: 0.05 (bottom quartile).
Information ratio: -0.24 (bottom quartile).

IDBI Small Cap Fund

Bottom quartile AUM (₹695 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 18.28% (upper mid).
3Y return: 18.01% (bottom quartile).
1Y return: 9.74% (top quartile).
Alpha: 5.40 (upper mid).
Sharpe: 0.17 (lower mid).
Information ratio: -0.35 (bottom quartile).

Aditya Birla Sun Life Small Cap Fund

Lower mid AUM (₹5,453 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 13.73% (bottom quartile).
3Y return: 17.02% (bottom quartile).
1Y return: 8.52% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.23 (upper mid).
Information ratio: 0.00 (upper mid).

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	₹55.6566 ↑ 0.63	₹4,663	500	21.5	10.1	4.1	22	17.9	-9.1
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
SBI Magnum Tax Gain Fund Growth	₹434.913 ↓ -0.27	₹30,955	500	11.1	-4.2	-2	17.5	16.6	6.6
Baroda Pioneer ELSS 96 Growth	₹68.6676 ↑ 0.33	₹210	500	-6.1	-3.5	17.6	16.7	11.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Jun 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Motilal Oswal Long Term Equity Fund	IDBI Equity Advantage Fund	HDFC Long Term Advantage Fund	SBI Magnum Tax Gain Fund	Baroda Pioneer ELSS 96
Point 1	Upper mid AUM (₹4,663 Cr).	Bottom quartile AUM (₹485 Cr).	Lower mid AUM (₹1,318 Cr).	Highest AUM (₹30,955 Cr).	Bottom quartile AUM (₹210 Cr).
Point 2	Established history (11+ yrs).	Established history (12+ yrs).	Oldest track record among peers (25 yrs).	Established history (19+ yrs).	Established history (11+ yrs).
Point 3	Not Rated.	Top rated.	Rating: 3★ (upper mid).	Rating: 2★ (lower mid).	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: 17.93% (top quartile).	5Y return: 9.97% (bottom quartile).	5Y return: 17.39% (upper mid).	5Y return: 16.56% (lower mid).	5Y return: 11.62% (bottom quartile).
Point 6	3Y return: 21.99% (top quartile).	3Y return: 20.84% (upper mid).	3Y return: 20.64% (lower mid).	3Y return: 17.47% (bottom quartile).	3Y return: 16.70% (bottom quartile).
Point 7	1Y return: 4.15% (bottom quartile).	1Y return: 16.92% (lower mid).	1Y return: 35.51% (top quartile).	1Y return: -2.01% (bottom quartile).	1Y return: 17.56% (upper mid).
Point 8	Alpha: 3.21 (upper mid).	Alpha: 1.78 (lower mid).	Alpha: 1.75 (bottom quartile).	Alpha: -2.25 (bottom quartile).	Alpha: 5.69 (top quartile).
Point 9	Sharpe: -0.02 (bottom quartile).	Sharpe: 1.21 (lower mid).	Sharpe: 2.27 (upper mid).	Sharpe: -0.36 (bottom quartile).	Sharpe: 2.51 (top quartile).
Point 10	Information ratio: 0.73 (upper mid).	Information ratio: -1.13 (bottom quartile).	Information ratio: -0.15 (bottom quartile).	Information ratio: 1.38 (top quartile).	Information ratio: -0.09 (lower mid).

Motilal Oswal Long Term Equity Fund

Upper mid AUM (₹4,663 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 17.93% (top quartile).
3Y return: 21.99% (top quartile).
1Y return: 4.15% (bottom quartile).
Alpha: 3.21 (upper mid).
Sharpe: -0.02 (bottom quartile).
Information ratio: 0.73 (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% (upper mid).
1Y return: 16.92% (lower mid).
Alpha: 1.78 (lower mid).
Sharpe: 1.21 (lower mid).
Information ratio: -1.13 (bottom quartile).

HDFC Long Term Advantage Fund

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

SBI Magnum Tax Gain Fund

Highest AUM (₹30,955 Cr).
Established history (19+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 16.56% (lower mid).
3Y return: 17.47% (bottom quartile).
1Y return: -2.01% (bottom quartile).
Alpha: -2.25 (bottom quartile).
Sharpe: -0.36 (bottom quartile).
Information ratio: 1.38 (top quartile).

Baroda Pioneer ELSS 96

Bottom quartile AUM (₹210 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 11.62% (bottom quartile).
3Y return: 16.70% (bottom quartile).
1Y return: 17.56% (upper mid).
Alpha: 5.69 (top quartile).
Sharpe: 2.51 (top quartile).
Information ratio: -0.09 (lower 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	₹105.031 ↓ -0.45	₹2,457	500	0.8	7	16.6	21.4	15.4	17.5
SBI Healthcare Opportunities Fund Growth	₹489.73 ↑ 5.66	₹4,566	500	16.2	16.9	14.5	24.2	16.3	-3.5
BOI AXA Manufacturing and Infrastructure Fund Growth	₹65.43 ↑ 0.36	₹789	1,000	18.7	10	14.4	24	20.9	7.8
UTI Healthcare Fund Growth	₹326.142 ↑ 3.50	₹1,217	500	20.2	14.9	14	25.5	14.6	-3.1
DSP India T.I.G.E.R Fund Growth	₹361.574 ↑ 0.69	₹6,019	500	21.3	15.2	13.3	25.1	23.2	-2.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Jun 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP Natural Resources and New Energy Fund	SBI Healthcare Opportunities Fund	BOI AXA Manufacturing and Infrastructure Fund	UTI Healthcare Fund	DSP India T.I.G.E.R Fund
Point 1	Lower mid AUM (₹2,457 Cr).	Upper mid AUM (₹4,566 Cr).	Bottom quartile AUM (₹789 Cr).	Bottom quartile AUM (₹1,217 Cr).	Highest AUM (₹6,019 Cr).
Point 2	Established history (18+ yrs).	Established history (21+ yrs).	Established history (16+ yrs).	Oldest track record among peers (27 yrs).	Established history (22+ yrs).
Point 3	Top rated.	Rating: 2★ (lower mid).	Not Rated.	Rating: 1★ (bottom quartile).	Rating: 4★ (upper mid).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 15.44% (bottom quartile).	5Y return: 16.29% (lower mid).	5Y return: 20.95% (upper mid).	5Y return: 14.60% (bottom quartile).	5Y return: 23.20% (top quartile).
Point 6	3Y return: 21.45% (bottom quartile).	3Y return: 24.15% (lower mid).	3Y return: 23.96% (bottom quartile).	3Y return: 25.47% (top quartile).	3Y return: 25.07% (upper mid).
Point 7	1Y return: 16.63% (top quartile).	1Y return: 14.45% (upper mid).	1Y return: 14.43% (lower mid).	1Y return: 14.00% (bottom quartile).	1Y return: 13.31% (bottom quartile).
Point 8	Alpha: 0.00 (upper mid).	Alpha: -0.04 (bottom quartile).	Alpha: 0.00 (lower mid).	Alpha: 0.91 (top quartile).	Alpha: 0.00 (bottom quartile).
Point 9	Sharpe: 1.33 (top quartile).	Sharpe: 0.36 (bottom quartile).	Sharpe: 0.60 (upper mid).	Sharpe: 0.42 (bottom quartile).	Sharpe: 0.48 (lower mid).
Point 10	Information ratio: 0.00 (upper mid).	Information ratio: -0.40 (bottom quartile).	Information ratio: 0.00 (lower mid).	Information ratio: 0.08 (top quartile).	Information ratio: 0.00 (bottom quartile).

DSP Natural Resources and New Energy Fund

Lower mid AUM (₹2,457 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 15.44% (bottom quartile).
3Y return: 21.45% (bottom quartile).
1Y return: 16.63% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 1.33 (top quartile).
Information ratio: 0.00 (upper mid).

SBI Healthcare Opportunities Fund

Upper mid AUM (₹4,566 Cr).
Established history (21+ yrs).
Rating: 2★ (lower mid).
Risk profile: High.
5Y return: 16.29% (lower mid).
3Y return: 24.15% (lower mid).
1Y return: 14.45% (upper mid).
Alpha: -0.04 (bottom quartile).
Sharpe: 0.36 (bottom quartile).
Information ratio: -0.40 (bottom quartile).

BOI AXA Manufacturing and Infrastructure Fund

Bottom quartile AUM (₹789 Cr).
Established history (16+ yrs).
Not Rated.
Risk profile: High.
5Y return: 20.95% (upper mid).
3Y return: 23.96% (bottom quartile).
1Y return: 14.43% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.60 (upper mid).
Information ratio: 0.00 (lower mid).

UTI Healthcare Fund

Bottom quartile AUM (₹1,217 Cr).
Oldest track record among peers (27 yrs).
Rating: 1★ (bottom quartile).
Risk profile: High.
5Y return: 14.60% (bottom quartile).
3Y return: 25.47% (top quartile).
1Y return: 14.00% (bottom quartile).
Alpha: 0.91 (top quartile).
Sharpe: 0.42 (bottom quartile).
Information ratio: 0.08 (top quartile).

DSP India T.I.G.E.R Fund

Highest AUM (₹6,019 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 23.20% (top quartile).
3Y return: 25.07% (upper mid).
1Y return: 13.31% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.48 (lower mid).
Information ratio: 0.00 (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	₹93.15 ↑ 0.16	₹16,147	100	12.4	-4.8	0.6	17.9	16.4	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	₹229.372 ↑ 0.02	₹26,082	300	10	-3.9	-0.9	16.4	18.7	10.9
SBI Focused Equity Fund Growth	₹383.474 ↓ -0.29	₹46,623	500	12	0.9	7.3	15.8	12.9	15.7
DSP Focus Fund Growth	₹54.696 ↑ 0.04	₹2,478	500	13.7	-2.6	-0.8	15	11.1	7.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Jun 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Focused Equity Fund	Sundaram Select Focus Fund	HDFC Focused 30 Fund	SBI Focused Equity Fund	DSP Focus Fund
Point 1	Lower mid AUM (₹16,147 Cr).	Bottom quartile AUM (₹1,354 Cr).	Upper mid AUM (₹26,082 Cr).	Highest AUM (₹46,623 Cr).	Bottom quartile AUM (₹2,478 Cr).
Point 2	Established history (17+ yrs).	Oldest track record among peers (23 yrs).	Established history (21+ yrs).	Established history (21+ yrs).	Established history (16+ yrs).
Point 3	Rating: 2★ (bottom quartile).	Top rated.	Rating: 3★ (upper mid).	Rating: 2★ (bottom quartile).	Rating: 3★ (lower 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: 16.39% (lower mid).	5Y return: 17.29% (upper mid).	5Y return: 18.73% (top quartile).	5Y return: 12.88% (bottom quartile).	5Y return: 11.06% (bottom quartile).
Point 6	3Y return: 17.86% (top quartile).	3Y return: 17.03% (upper mid).	3Y return: 16.41% (lower mid).	3Y return: 15.81% (bottom quartile).	3Y return: 14.96% (bottom quartile).
Point 7	1Y return: 0.59% (lower mid).	1Y return: 24.49% (top quartile).	1Y return: -0.90% (bottom quartile).	1Y return: 7.33% (upper mid).	1Y return: -0.82% (bottom quartile).
Point 8	Alpha: -0.18 (upper mid).	Alpha: -5.62 (bottom quartile).	Alpha: -3.45 (lower mid).	Alpha: 12.40 (top quartile).	Alpha: -4.56 (bottom quartile).
Point 9	Sharpe: -0.23 (lower mid).	Sharpe: 1.85 (top quartile).	Sharpe: -0.41 (bottom quartile).	Sharpe: 0.41 (upper mid).	Sharpe: -0.47 (bottom quartile).
Point 10	Information ratio: 1.19 (top quartile).	Information ratio: -0.52 (bottom quartile).	Information ratio: 0.53 (lower mid).	Information ratio: 0.58 (upper mid).	Information ratio: 0.17 (bottom quartile).

ICICI Prudential Focused Equity Fund

Lower mid AUM (₹16,147 Cr).
Established history (17+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.39% (lower mid).
3Y return: 17.86% (top quartile).
1Y return: 0.59% (lower mid).
Alpha: -0.18 (upper mid).
Sharpe: -0.23 (lower mid).
Information ratio: 1.19 (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 (₹26,082 Cr).
Established history (21+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 18.73% (top quartile).
3Y return: 16.41% (lower mid).
1Y return: -0.90% (bottom quartile).
Alpha: -3.45 (lower mid).
Sharpe: -0.41 (bottom quartile).
Information ratio: 0.53 (lower mid).

SBI Focused Equity Fund

Highest AUM (₹46,623 Cr).
Established history (21+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 12.88% (bottom quartile).
3Y return: 15.81% (bottom quartile).
1Y return: 7.33% (upper mid).
Alpha: 12.40 (top quartile).
Sharpe: 0.41 (upper mid).
Information ratio: 0.58 (upper mid).

DSP Focus Fund

Bottom quartile AUM (₹2,478 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 11.06% (bottom quartile).
3Y return: 14.96% (bottom quartile).
1Y return: -0.82% (bottom quartile).
Alpha: -4.56 (bottom quartile).
Sharpe: -0.47 (bottom quartile).
Information ratio: 0.17 (bottom quartile).

Best Value 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 Pure Value Fund Growth	₹132.844 ↑ 0.11	₹6,530	1,000	16.6	2.6	4.1	17.3	14.7	2.6
Nippon India Value Fund Growth	₹223.383 ↓ -0.14	₹8,821	100	11.1	-3.6	-2.5	16.8	15.5	4.2
HDFC Capital Builder Value Fund Growth	₹765.341 ↓ -0.80	₹7,314	300	14	-0.8	1.6	16.4	14.8	8.6
JM Value Fund Growth	₹94.7041 ↑ 0.42	₹805	500	17.9	-1.7	-5.7	15	15.6	-4.4
ICICI Prudential Value Discovery Fund Growth	₹458.51 ↓ -2.29	₹58,954	100	5.1	-8.1	-3.2	15	16.4	13.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Jun 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Aditya Birla Sun Life Pure Value Fund	Nippon India Value Fund	HDFC Capital Builder Value Fund	JM Value Fund	ICICI Prudential Value Discovery Fund
Point 1	Bottom quartile AUM (₹6,530 Cr).	Upper mid AUM (₹8,821 Cr).	Lower mid AUM (₹7,314 Cr).	Bottom quartile AUM (₹805 Cr).	Highest AUM (₹58,954 Cr).
Point 2	Established history (18+ yrs).	Established history (21+ yrs).	Oldest track record among peers (32 yrs).	Established history (29+ yrs).	Established history (21+ yrs).
Point 3	Rating: 3★ (upper mid).	Not Rated.	Rating: 3★ (lower mid).	Top rated.	Rating: 2★ (bottom quartile).
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: 14.67% (bottom quartile).	5Y return: 15.52% (lower mid).	5Y return: 14.80% (bottom quartile).	5Y return: 15.62% (upper mid).	5Y return: 16.41% (top quartile).
Point 6	3Y return: 17.34% (top quartile).	3Y return: 16.82% (upper mid).	3Y return: 16.38% (lower mid).	3Y return: 15.03% (bottom quartile).	3Y return: 14.98% (bottom quartile).
Point 7	1Y return: 4.06% (top quartile).	1Y return: -2.49% (lower mid).	1Y return: 1.64% (upper mid).	1Y return: -5.71% (bottom quartile).	1Y return: -3.21% (bottom quartile).
Point 8	Alpha: 6.66 (top quartile).	Alpha: -1.04 (lower mid).	Alpha: 2.21 (upper mid).	Alpha: -5.51 (bottom quartile).	Alpha: -3.74 (bottom quartile).
Point 9	Sharpe: 0.14 (top quartile).	Sharpe: -0.26 (lower mid).	Sharpe: -0.08 (upper mid).	Sharpe: -0.48 (bottom quartile).	Sharpe: -0.47 (bottom quartile).
Point 10	Information ratio: 0.75 (lower mid).	Information ratio: 1.30 (upper mid).	Information ratio: 1.34 (top quartile).	Information ratio: 0.30 (bottom quartile).	Information ratio: 0.46 (bottom quartile).

Aditya Birla Sun Life Pure Value Fund

Bottom quartile AUM (₹6,530 Cr).
Established history (18+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 14.67% (bottom quartile).
3Y return: 17.34% (top quartile).
1Y return: 4.06% (top quartile).
Alpha: 6.66 (top quartile).
Sharpe: 0.14 (top quartile).
Information ratio: 0.75 (lower mid).

Nippon India Value Fund

Upper mid AUM (₹8,821 Cr).
Established history (21+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 15.52% (lower mid).
3Y return: 16.82% (upper mid).
1Y return: -2.49% (lower mid).
Alpha: -1.04 (lower mid).
Sharpe: -0.26 (lower mid).
Information ratio: 1.30 (upper mid).

HDFC Capital Builder Value Fund

Lower mid AUM (₹7,314 Cr).
Oldest track record among peers (32 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 14.80% (bottom quartile).
3Y return: 16.38% (lower mid).
1Y return: 1.64% (upper mid).
Alpha: 2.21 (upper mid).
Sharpe: -0.08 (upper mid).
Information ratio: 1.34 (top quartile).

JM Value Fund

Bottom quartile AUM (₹805 Cr).
Established history (29+ yrs).
Top rated.
Risk profile: High.
5Y return: 15.62% (upper mid).
3Y return: 15.03% (bottom quartile).
1Y return: -5.71% (bottom quartile).
Alpha: -5.51 (bottom quartile).
Sharpe: -0.48 (bottom quartile).
Information ratio: 0.30 (bottom quartile).

ICICI Prudential Value Discovery Fund

Highest AUM (₹58,954 Cr).
Established history (21+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.41% (top quartile).
3Y return: 14.98% (bottom quartile).
1Y return: -3.21% (bottom quartile).
Alpha: -3.74 (bottom quartile).
Sharpe: -0.47 (bottom quartile).
Information ratio: 0.46 (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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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.