Best Mutual Funds in India for SIP 2026 – 2027

Updated on March 8, 2026 , 25081 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	₹88.6966 ↑ 1.05	₹50,107	100	-4.6	-3.2	11.4	17.8	16	9.2
ICICI Prudential Bluechip Fund Growth	₹108.2 ↑ 1.22	₹76,646	100	-5.4	-2.1	10.8	17	14.2	11.3
DSP TOP 100 Equity Growth	₹457.699 ↑ 6.46	₹7,163	500	-5.4	-3	7.2	16.7	12.1	8.4
Bandhan Large Cap Fund Growth	₹75.42 ↑ 0.87	₹1,980	100	-4.6	-2.2	12.2	16.5	12	8.2
Invesco India Largecap Fund Growth	₹66.61 ↑ 1.15	₹1,666	100	-5	-4.9	10.9	16.3	12.7	5.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Mar 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Nippon India Large Cap Fund	ICICI Prudential Bluechip Fund	DSP TOP 100 Equity	Bandhan Large Cap Fund	Invesco India Largecap Fund
Point 1	Upper mid AUM (₹50,107 Cr).	Highest AUM (₹76,646 Cr).	Lower mid AUM (₹7,163 Cr).	Bottom quartile AUM (₹1,980 Cr).	Bottom quartile AUM (₹1,666 Cr).
Point 2	Established history (18+ yrs).	Established history (17+ yrs).	Oldest track record among peers (23 yrs).	Established history (19+ yrs).	Established history (16+ yrs).
Point 3	Top rated.	Rating: 4★ (upper mid).	Rating: 2★ (bottom quartile).	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: 15.98% (top quartile).	5Y return: 14.20% (upper mid).	5Y return: 12.14% (bottom quartile).	5Y return: 12.03% (bottom quartile).	5Y return: 12.67% (lower mid).
Point 6	3Y return: 17.79% (top quartile).	3Y return: 17.03% (upper mid).	3Y return: 16.73% (lower mid).	3Y return: 16.45% (bottom quartile).	3Y return: 16.31% (bottom quartile).
Point 7	1Y return: 11.35% (upper mid).	1Y return: 10.84% (bottom quartile).	1Y return: 7.23% (bottom quartile).	1Y return: 12.24% (top quartile).	1Y return: 10.89% (lower mid).
Point 8	Alpha: 0.30 (lower mid).	Alpha: 0.35 (upper mid).	Alpha: -1.18 (bottom quartile).	Alpha: 0.90 (top quartile).	Alpha: -1.06 (bottom quartile).
Point 9	Sharpe: 0.30 (upper mid).	Sharpe: 0.30 (lower mid).	Sharpe: 0.17 (bottom quartile).	Sharpe: 0.35 (top quartile).	Sharpe: 0.20 (bottom quartile).
Point 10	Information ratio: 1.22 (top quartile).	Information ratio: 1.01 (upper mid).	Information ratio: 0.64 (bottom quartile).	Information ratio: 0.69 (bottom quartile).	Information ratio: 0.72 (lower mid).

Nippon India Large Cap Fund

Upper mid AUM (₹50,107 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 15.98% (top quartile).
3Y return: 17.79% (top quartile).
1Y return: 11.35% (upper mid).
Alpha: 0.30 (lower mid).
Sharpe: 0.30 (upper mid).
Information ratio: 1.22 (top quartile).

ICICI Prudential Bluechip Fund

Highest AUM (₹76,646 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 14.20% (upper mid).
3Y return: 17.03% (upper mid).
1Y return: 10.84% (bottom quartile).
Alpha: 0.35 (upper mid).
Sharpe: 0.30 (lower mid).
Information ratio: 1.01 (upper mid).

DSP TOP 100 Equity

Lower mid AUM (₹7,163 Cr).
Oldest track record among peers (23 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 12.14% (bottom quartile).
3Y return: 16.73% (lower mid).
1Y return: 7.23% (bottom quartile).
Alpha: -1.18 (bottom quartile).
Sharpe: 0.17 (bottom quartile).
Information ratio: 0.64 (bottom quartile).

Bandhan Large Cap Fund

Bottom quartile AUM (₹1,980 Cr).
Established history (19+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 12.03% (bottom quartile).
3Y return: 16.45% (bottom quartile).
1Y return: 12.24% (top quartile).
Alpha: 0.90 (top quartile).
Sharpe: 0.35 (top quartile).
Information ratio: 0.69 (bottom quartile).

Invesco India Largecap Fund

Bottom quartile AUM (₹1,666 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 12.67% (lower mid).
3Y return: 16.31% (bottom quartile).
1Y return: 10.89% (lower mid).
Alpha: -1.06 (bottom quartile).
Sharpe: 0.20 (bottom quartile).
Information ratio: 0.72 (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	₹33.19 ↑ 0.57	₹1,051	1,000	1.5	1.6	17.9	21	14.4	3.5
HDFC Equity Fund Growth	₹1,974.26 ↑ 27.29	₹97,452	300	-3.9	-1.8	12.4	20.5	18.7	11.4
Nippon India Multi Cap Fund Growth	₹287.104 ↑ 4.17	₹48,809	100	-3.6	-5.1	11.9	20.4	19.6	4.1
Mahindra Badhat Yojana Growth	₹34.5998 ↑ 0.48	₹6,046	500	-1.7	-1.8	15.7	19.5	16.9	3.4
Motilal Oswal Multicap 35 Fund Growth	₹54.3606 ↑ 0.34	₹13,180	500	-9.3	-13.6	1.4	19.4	10.7	-5.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Mar 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Aditya Birla Sun Life Manufacturing Equity Fund	HDFC Equity Fund	Nippon India Multi Cap Fund	Mahindra Badhat Yojana	Motilal Oswal Multicap 35 Fund
Point 1	Bottom quartile AUM (₹1,051 Cr).	Highest AUM (₹97,452 Cr).	Upper mid AUM (₹48,809 Cr).	Bottom quartile AUM (₹6,046 Cr).	Lower mid AUM (₹13,180 Cr).
Point 2	Established history (11+ yrs).	Oldest track record among peers (31 yrs).	Established history (20+ yrs).	Established history (8+ yrs).	Established history (11+ yrs).
Point 3	Not Rated.	Rating: 3★ (upper mid).	Rating: 2★ (lower mid).	Not Rated.	Top rated.
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: 14.37% (bottom quartile).	5Y return: 18.73% (upper mid).	5Y return: 19.58% (top quartile).	5Y return: 16.93% (lower mid).	5Y return: 10.74% (bottom quartile).
Point 6	3Y return: 21.01% (top quartile).	3Y return: 20.54% (upper mid).	3Y return: 20.36% (lower mid).	3Y return: 19.48% (bottom quartile).	3Y return: 19.45% (bottom quartile).
Point 7	1Y return: 17.86% (top quartile).	1Y return: 12.37% (lower mid).	1Y return: 11.89% (bottom quartile).	1Y return: 15.70% (upper mid).	1Y return: 1.44% (bottom quartile).
Point 8	Alpha: 0.00 (lower mid).	Alpha: 4.79 (top quartile).	Alpha: -0.46 (bottom quartile).	Alpha: 2.62 (upper mid).	Alpha: -5.98 (bottom quartile).
Point 9	Sharpe: 0.12 (lower mid).	Sharpe: 0.67 (top quartile).	Sharpe: 0.09 (bottom quartile).	Sharpe: 0.29 (upper mid).	Sharpe: -0.19 (bottom quartile).
Point 10	Information ratio: 0.00 (bottom quartile).	Information ratio: 1.25 (top quartile).	Information ratio: 0.49 (lower mid).	Information ratio: 0.45 (bottom quartile).	Information ratio: 0.56 (upper mid).

Aditya Birla Sun Life Manufacturing Equity Fund

Bottom quartile AUM (₹1,051 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: High.
5Y return: 14.37% (bottom quartile).
3Y return: 21.01% (top quartile).
1Y return: 17.86% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: 0.12 (lower mid).
Information ratio: 0.00 (bottom quartile).

HDFC Equity Fund

Highest AUM (₹97,452 Cr).
Oldest track record among peers (31 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 18.73% (upper mid).
3Y return: 20.54% (upper mid).
1Y return: 12.37% (lower mid).
Alpha: 4.79 (top quartile).
Sharpe: 0.67 (top quartile).
Information ratio: 1.25 (top quartile).

Nippon India Multi Cap Fund

Upper mid AUM (₹48,809 Cr).
Established history (20+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 19.58% (top quartile).
3Y return: 20.36% (lower mid).
1Y return: 11.89% (bottom quartile).
Alpha: -0.46 (bottom quartile).
Sharpe: 0.09 (bottom quartile).
Information ratio: 0.49 (lower mid).

Mahindra Badhat Yojana

Bottom quartile AUM (₹6,046 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 16.93% (lower mid).
3Y return: 19.48% (bottom quartile).
1Y return: 15.70% (upper mid).
Alpha: 2.62 (upper mid).
Sharpe: 0.29 (upper mid).
Information ratio: 0.45 (bottom quartile).

Motilal Oswal Multicap 35 Fund

Lower mid AUM (₹13,180 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 10.74% (bottom quartile).
3Y return: 19.45% (bottom quartile).
1Y return: 1.44% (bottom quartile).
Alpha: -5.98 (bottom quartile).
Sharpe: -0.19 (bottom quartile).
Information ratio: 0.56 (upper mid).

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	₹310.45 ↑ 3.47	₹6,969	100	2.2	3.9	26.4	24.6	18.9	11.1
TATA Mid Cap Growth Fund Growth	₹428.528 ↑ 5.17	₹5,356	150	-2.7	-0.9	16.2	20.7	16.5	5.8
BNP Paribas Mid Cap Fund Growth	₹102.107 ↑ 1.42	₹2,282	300	-0.6	0.8	15.7	20.2	16.4	2.5
Aditya Birla Sun Life Midcap Fund Growth	₹746.88 ↑ 9.83	₹6,041	1,000	-4.9	-5.4	11	18.5	15.8	4.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 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 (₹6,969 Cr).	Lower mid AUM (₹5,356 Cr).	Bottom quartile AUM (₹2,282 Cr).	Upper mid AUM (₹6,041 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: 18.94% (top quartile).	5Y return: 16.54% (upper mid).	5Y return: 16.41% (lower mid).	5Y return: 15.79% (bottom quartile).
Point 6	3Y return: 24.64% (top quartile).	3Y return: 20.67% (upper mid).	3Y return: 20.20% (lower mid).	3Y return: 18.55% (bottom quartile).
Point 7	1Y return: 26.37% (top quartile).	1Y return: 16.22% (upper mid).	1Y return: 15.73% (lower mid).	1Y return: 10.98% (bottom quartile).
Point 8	Alpha: 5.44 (top quartile).	Alpha: -0.44 (lower mid).	Alpha: -0.33 (upper mid).	Alpha: -1.26 (bottom quartile).
Point 9	Sharpe: 0.53 (top quartile).	Sharpe: 0.21 (lower mid).	Sharpe: 0.21 (upper mid).	Sharpe: 0.16 (bottom quartile).
Point 10	Information ratio: -0.16 (top quartile).	Information ratio: -0.44 (upper mid).	Information ratio: -0.77 (bottom quartile).	Information ratio: -0.74 (lower mid).

ICICI Prudential MidCap Fund

Highest AUM (₹6,969 Cr).
Established history (21+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 18.94% (top quartile).
3Y return: 24.64% (top quartile).
1Y return: 26.37% (top quartile).
Alpha: 5.44 (top quartile).
Sharpe: 0.53 (top quartile).
Information ratio: -0.16 (top quartile).

TATA Mid Cap Growth Fund

Lower mid AUM (₹5,356 Cr).
Oldest track record among peers (31 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.54% (upper mid).
3Y return: 20.67% (upper mid).
1Y return: 16.22% (upper mid).
Alpha: -0.44 (lower mid).
Sharpe: 0.21 (lower mid).
Information ratio: -0.44 (upper mid).

BNP Paribas Mid Cap Fund

Bottom quartile AUM (₹2,282 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: High.
5Y return: 16.41% (lower mid).
3Y return: 20.20% (lower mid).
1Y return: 15.73% (lower mid).
Alpha: -0.33 (upper mid).
Sharpe: 0.21 (upper mid).
Information ratio: -0.77 (bottom quartile).

Aditya Birla Sun Life Midcap Fund

Upper mid AUM (₹6,041 Cr).
Established history (23+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 15.79% (bottom quartile).
3Y return: 18.55% (bottom quartile).
1Y return: 10.98% (bottom quartile).
Alpha: -1.26 (bottom quartile).
Sharpe: 0.16 (bottom quartile).
Information ratio: -0.74 (lower mid).

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 (%)
Nippon India Small Cap Fund Growth	₹157.109 ↑ 2.58	₹65,812	100	-3.9	-7.4	9.2	19.2	21.2	-4.7
DSP Small Cap Fund Growth	₹185.396 ↑ 3.13	₹16,135	500	-3.8	-6.6	13.5	18.3	18	-2.8
Sundaram Small Cap Fund Growth	₹242.195 ↑ 4.93	₹3,285	100	-5.4	-6.7	12.5	17.9	17.5	0.4
Franklin India Smaller Companies Fund Growth	₹154.809 ↑ 2.48	₹12,764	500	-4.7	-9.1	5.9	16.8	17.5	-8.4
Aditya Birla Sun Life Small Cap Fund Growth	₹80.871 ↑ 1.26	₹4,778	1,000	-3.4	-5.2	12.6	16.7	13.1	-3.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Mar 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Nippon India Small Cap Fund	DSP Small Cap Fund	Sundaram Small Cap Fund	Franklin India Smaller Companies Fund	Aditya Birla Sun Life Small Cap Fund
Point 1	Highest AUM (₹65,812 Cr).	Upper mid AUM (₹16,135 Cr).	Bottom quartile AUM (₹3,285 Cr).	Lower mid AUM (₹12,764 Cr).	Bottom quartile AUM (₹4,778 Cr).
Point 2	Established history (15+ yrs).	Established history (18+ yrs).	Oldest track record among peers (21 yrs).	Established history (20+ yrs).	Established history (18+ yrs).
Point 3	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 4★ (bottom quartile).	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: 21.16% (top quartile).	5Y return: 18.02% (upper mid).	5Y return: 17.47% (bottom quartile).	5Y return: 17.49% (lower mid).	5Y return: 13.13% (bottom quartile).
Point 6	3Y return: 19.18% (top quartile).	3Y return: 18.26% (upper mid).	3Y return: 17.88% (lower mid).	3Y return: 16.75% (bottom quartile).	3Y return: 16.75% (bottom quartile).
Point 7	1Y return: 9.17% (bottom quartile).	1Y return: 13.47% (top quartile).	1Y return: 12.52% (lower mid).	1Y return: 5.89% (bottom quartile).	1Y return: 12.63% (upper mid).
Point 8	Alpha: -0.64 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: 3.29 (top quartile).	Alpha: -4.41 (bottom quartile).	Alpha: 0.00 (lower mid).
Point 9	Sharpe: -0.19 (bottom quartile).	Sharpe: -0.02 (lower mid).	Sharpe: 0.01 (upper mid).	Sharpe: -0.38 (bottom quartile).	Sharpe: 0.01 (top quartile).
Point 10	Information ratio: 0.02 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: -0.17 (bottom quartile).	Information ratio: -0.19 (bottom quartile).	Information ratio: 0.00 (lower mid).

Nippon India Small Cap Fund

Highest AUM (₹65,812 Cr).
Established history (15+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 21.16% (top quartile).
3Y return: 19.18% (top quartile).
1Y return: 9.17% (bottom quartile).
Alpha: -0.64 (bottom quartile).
Sharpe: -0.19 (bottom quartile).
Information ratio: 0.02 (top quartile).

DSP Small Cap Fund

Upper mid AUM (₹16,135 Cr).
Established history (18+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately High.
5Y return: 18.02% (upper mid).
3Y return: 18.26% (upper mid).
1Y return: 13.47% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.02 (lower mid).
Information ratio: 0.00 (upper mid).

Sundaram Small Cap Fund

Bottom quartile AUM (₹3,285 Cr).
Oldest track record among peers (21 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 17.47% (bottom quartile).
3Y return: 17.88% (lower mid).
1Y return: 12.52% (lower mid).
Alpha: 3.29 (top quartile).
Sharpe: 0.01 (upper mid).
Information ratio: -0.17 (bottom quartile).

Franklin India Smaller Companies Fund

Lower mid AUM (₹12,764 Cr).
Established history (20+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 17.49% (lower mid).
3Y return: 16.75% (bottom quartile).
1Y return: 5.89% (bottom quartile).
Alpha: -4.41 (bottom quartile).
Sharpe: -0.38 (bottom quartile).
Information ratio: -0.19 (bottom quartile).

Aditya Birla Sun Life Small Cap Fund

Bottom quartile AUM (₹4,778 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 13.13% (bottom quartile).
3Y return: 16.75% (bottom quartile).
1Y return: 12.63% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.01 (top quartile).
Information ratio: 0.00 (lower 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 (%)
SBI Magnum Tax Gain Fund Growth	₹425.449 ↑ 5.32	₹31,862	500	-4.2	-2.5	7.9	21.9	17.7	6.6
Motilal Oswal Long Term Equity Fund Growth	₹47.9188 ↑ 0.67	₹4,188	500	-2.6	-7.6	13.5	21.3	16.2	-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
HDFC Tax Saver Fund Growth	₹1,363.93 ↑ 19.12	₹16,749	500	-5.6	-4.1	9.7	19.3	17.8	10.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Mar 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	SBI Magnum Tax Gain Fund	Motilal Oswal Long Term Equity Fund	IDBI Equity Advantage Fund	HDFC Long Term Advantage Fund	HDFC Tax Saver Fund
Point 1	Highest AUM (₹31,862 Cr).	Lower mid AUM (₹4,188 Cr).	Bottom quartile AUM (₹485 Cr).	Bottom quartile AUM (₹1,318 Cr).	Upper mid AUM (₹16,749 Cr).
Point 2	Established history (18+ yrs).	Established history (11+ yrs).	Established history (12+ yrs).	Established history (25+ yrs).	Oldest track record among peers (29 yrs).
Point 3	Rating: 2★ (lower mid).	Not Rated.	Top rated.	Rating: 3★ (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: 17.73% (upper mid).	5Y return: 16.16% (bottom quartile).	5Y return: 9.97% (bottom quartile).	5Y return: 17.39% (lower mid).	5Y return: 17.83% (top quartile).
Point 6	3Y return: 21.87% (top quartile).	3Y return: 21.30% (upper mid).	3Y return: 20.84% (lower mid).	3Y return: 20.64% (bottom quartile).	3Y return: 19.33% (bottom quartile).
Point 7	1Y return: 7.94% (bottom quartile).	1Y return: 13.50% (lower mid).	1Y return: 16.92% (upper mid).	1Y return: 35.51% (top quartile).	1Y return: 9.75% (bottom quartile).
Point 8	Alpha: -0.63 (bottom quartile).	Alpha: -5.20 (bottom quartile).	Alpha: 1.78 (upper mid).	Alpha: 1.75 (lower mid).	Alpha: 2.37 (top quartile).
Point 9	Sharpe: 0.13 (bottom quartile).	Sharpe: -0.04 (bottom quartile).	Sharpe: 1.21 (upper mid).	Sharpe: 2.27 (top quartile).	Sharpe: 0.41 (lower mid).
Point 10	Information ratio: 1.85 (top quartile).	Information ratio: 0.49 (lower mid).	Information ratio: -1.13 (bottom quartile).	Information ratio: -0.15 (bottom quartile).	Information ratio: 1.20 (upper mid).

SBI Magnum Tax Gain Fund

Highest AUM (₹31,862 Cr).
Established history (18+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 17.73% (upper mid).
3Y return: 21.87% (top quartile).
1Y return: 7.94% (bottom quartile).
Alpha: -0.63 (bottom quartile).
Sharpe: 0.13 (bottom quartile).
Information ratio: 1.85 (top quartile).

Motilal Oswal Long Term Equity Fund

Lower mid AUM (₹4,188 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 16.16% (bottom quartile).
3Y return: 21.30% (upper mid).
1Y return: 13.50% (lower mid).
Alpha: -5.20 (bottom quartile).
Sharpe: -0.04 (bottom quartile).
Information ratio: 0.49 (lower 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% (lower mid).
1Y return: 16.92% (upper mid).
Alpha: 1.78 (upper 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 (25+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.39% (lower mid).
3Y return: 20.64% (bottom quartile).
1Y return: 35.51% (top quartile).
Alpha: 1.75 (lower mid).
Sharpe: 2.27 (top quartile).
Information ratio: -0.15 (bottom quartile).

HDFC Tax Saver Fund

Upper mid AUM (₹16,749 Cr).
Oldest track record among peers (29 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 17.83% (top quartile).
3Y return: 19.33% (bottom quartile).
1Y return: 9.75% (bottom quartile).
Alpha: 2.37 (top quartile).
Sharpe: 0.41 (lower mid).
Information ratio: 1.20 (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 (%)
SBI PSU Fund Growth	₹35.3611 ↑ 0.36	₹5,980	500	8.2	13.2	27.9	31.7	26.4	11.3
DSP Natural Resources and New Energy Fund Growth	₹105.262 ↓ -2.00	₹1,765	500	11.7	16.6	27.7	22.5	20.2	17.5
Invesco India PSU Equity Fund Growth	₹66.35 ↑ 0.92	₹1,492	500	4.2	7.6	26.4	29.8	24.4	10.3
Invesco India Financial Services Fund Growth	₹141.23 ↑ 3.34	₹1,628	100	-1.4	4.6	23.3	21.4	14.6	15.1
UTI Transportation & Logistics Fund Growth	₹275.939 ↑ 5.74	₹3,906	500	-4.9	-5.4	23	23.4	17.6	19.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Mar 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	SBI PSU Fund	DSP Natural Resources and New Energy Fund	Invesco India PSU Equity Fund	Invesco India Financial Services Fund	UTI Transportation & Logistics Fund
Point 1	Highest AUM (₹5,980 Cr).	Lower mid AUM (₹1,765 Cr).	Bottom quartile AUM (₹1,492 Cr).	Bottom quartile AUM (₹1,628 Cr).	Upper mid AUM (₹3,906 Cr).
Point 2	Established history (15+ yrs).	Established history (17+ yrs).	Established history (16+ yrs).	Established history (17+ yrs).	Oldest track record among peers (21 yrs).
Point 3	Rating: 2★ (bottom quartile).	Top rated.	Rating: 3★ (lower mid).	Rating: 4★ (upper mid).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 26.35% (top quartile).	5Y return: 20.19% (lower mid).	5Y return: 24.41% (upper mid).	5Y return: 14.55% (bottom quartile).	5Y return: 17.64% (bottom quartile).
Point 6	3Y return: 31.74% (top quartile).	3Y return: 22.48% (bottom quartile).	3Y return: 29.76% (upper mid).	3Y return: 21.45% (bottom quartile).	3Y return: 23.35% (lower mid).
Point 7	1Y return: 27.92% (top quartile).	1Y return: 27.74% (upper mid).	1Y return: 26.36% (lower mid).	1Y return: 23.31% (bottom quartile).	1Y return: 22.99% (bottom quartile).
Point 8	Alpha: 0.05 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: -2.70 (bottom quartile).	Alpha: 1.75 (top quartile).	Alpha: 0.00 (bottom quartile).
Point 9	Sharpe: 0.63 (bottom quartile).	Sharpe: 1.32 (top quartile).	Sharpe: 0.53 (bottom quartile).	Sharpe: 1.06 (upper mid).	Sharpe: 0.69 (lower mid).
Point 10	Information ratio: -0.63 (bottom quartile).	Information ratio: 0.00 (upper mid).	Information ratio: -0.50 (bottom quartile).	Information ratio: 0.96 (top quartile).	Information ratio: 0.00 (lower mid).

SBI PSU Fund

Highest AUM (₹5,980 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 26.35% (top quartile).
3Y return: 31.74% (top quartile).
1Y return: 27.92% (top quartile).
Alpha: 0.05 (upper mid).
Sharpe: 0.63 (bottom quartile).
Information ratio: -0.63 (bottom quartile).

DSP Natural Resources and New Energy Fund

Lower mid AUM (₹1,765 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: High.
5Y return: 20.19% (lower mid).
3Y return: 22.48% (bottom quartile).
1Y return: 27.74% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 1.32 (top quartile).
Information ratio: 0.00 (upper mid).

Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,492 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 24.41% (upper mid).
3Y return: 29.76% (upper mid).
1Y return: 26.36% (lower mid).
Alpha: -2.70 (bottom quartile).
Sharpe: 0.53 (bottom quartile).
Information ratio: -0.50 (bottom quartile).

Invesco India Financial Services Fund

Bottom quartile AUM (₹1,628 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 14.55% (bottom quartile).
3Y return: 21.45% (bottom quartile).
1Y return: 23.31% (bottom quartile).
Alpha: 1.75 (top quartile).
Sharpe: 1.06 (upper mid).
Information ratio: 0.96 (top quartile).

UTI Transportation & Logistics Fund

Upper mid AUM (₹3,906 Cr).
Oldest track record among peers (21 yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 17.64% (bottom quartile).
3Y return: 23.35% (lower mid).
1Y return: 22.99% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.69 (lower mid).
Information ratio: 0.00 (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	₹90.6 ↑ 1.12	₹14,935	100	-5.8	-2.7	15.6	21.5	17.4	15.4
HDFC Focused 30 Fund Growth	₹227.453 ↑ 3.46	₹26,332	300	-3.8	-2.5	11.4	20	20	10.9
SBI Focused Equity Fund Growth	₹358.906 ↓ -4.76	₹42,998	500	-4.7	0.5	14.7	17.9	13.5	15.7
DSP Focus Fund Growth	₹52.056 ↑ 0.52	₹2,611	500	-6.7	-3.8	6.9	17.5	11.7	7.3
Sundaram Select Focus Fund Growth	₹264.968 ↓ -1.18	₹1,354	100	-5	8.5	24.5	17	17.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Mar 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Focused Equity Fund	HDFC Focused 30 Fund	SBI Focused Equity Fund	DSP Focus Fund	Sundaram Select Focus Fund
Point 1	Lower mid AUM (₹14,935 Cr).	Upper mid AUM (₹26,332 Cr).	Highest AUM (₹42,998 Cr).	Bottom quartile AUM (₹2,611 Cr).	Bottom quartile AUM (₹1,354 Cr).
Point 2	Established history (16+ yrs).	Established history (21+ yrs).	Established history (21+ yrs).	Established history (15+ yrs).	Oldest track record among peers (23 yrs).
Point 3	Rating: 2★ (bottom quartile).	Top rated.	Rating: 2★ (bottom quartile).	Rating: 3★ (upper mid).	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: 17.35% (upper mid).	5Y return: 20.02% (top quartile).	5Y return: 13.49% (bottom quartile).	5Y return: 11.72% (bottom quartile).	5Y return: 17.29% (lower mid).
Point 6	3Y return: 21.51% (top quartile).	3Y return: 20.00% (upper mid).	3Y return: 17.86% (lower mid).	3Y return: 17.49% (bottom quartile).	3Y return: 17.03% (bottom quartile).
Point 7	1Y return: 15.58% (upper mid).	1Y return: 11.42% (bottom quartile).	1Y return: 14.73% (lower mid).	1Y return: 6.89% (bottom quartile).	1Y return: 24.49% (top quartile).
Point 8	Alpha: 6.91 (top quartile).	Alpha: 3.79 (lower mid).	Alpha: 5.35 (upper mid).	Alpha: 0.58 (bottom quartile).	Alpha: -5.62 (bottom quartile).
Point 9	Sharpe: 0.70 (upper mid).	Sharpe: 0.60 (bottom quartile).	Sharpe: 0.62 (lower mid).	Sharpe: 0.23 (bottom quartile).	Sharpe: 1.85 (top quartile).
Point 10	Information ratio: 1.55 (top quartile).	Information ratio: 0.98 (upper mid).	Information ratio: 0.42 (lower mid).	Information ratio: 0.42 (bottom quartile).	Information ratio: -0.52 (bottom quartile).

ICICI Prudential Focused Equity Fund

Lower mid AUM (₹14,935 Cr).
Established history (16+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 17.35% (upper mid).
3Y return: 21.51% (top quartile).
1Y return: 15.58% (upper mid).
Alpha: 6.91 (top quartile).
Sharpe: 0.70 (upper mid).
Information ratio: 1.55 (top quartile).

HDFC Focused 30 Fund

Upper mid AUM (₹26,332 Cr).
Established history (21+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 20.02% (top quartile).
3Y return: 20.00% (upper mid).
1Y return: 11.42% (bottom quartile).
Alpha: 3.79 (lower mid).
Sharpe: 0.60 (bottom quartile).
Information ratio: 0.98 (upper mid).

SBI Focused Equity Fund

Highest AUM (₹42,998 Cr).
Established history (21+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 13.49% (bottom quartile).
3Y return: 17.86% (lower mid).
1Y return: 14.73% (lower mid).
Alpha: 5.35 (upper mid).
Sharpe: 0.62 (lower mid).
Information ratio: 0.42 (lower mid).

DSP Focus Fund

Bottom quartile AUM (₹2,611 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 11.72% (bottom quartile).
3Y return: 17.49% (bottom quartile).
1Y return: 6.89% (bottom quartile).
Alpha: 0.58 (bottom quartile).
Sharpe: 0.23 (bottom quartile).
Information ratio: 0.42 (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% (lower mid).
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).

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	₹218.783 ↑ 3.09	₹8,962	100	-4	-2.6	9.4	21.3	17.1	4.2
ICICI Prudential Value Discovery Fund Growth	₹469.48 ↑ 4.35	₹60,353	100	-5	-0.5	11.9	19.3	18.9	13.8
Aditya Birla Sun Life Pure Value Fund Growth	₹122.939 ↑ 1.90	₹6,246	1,000	-2.5	1	12.1	19.3	15.2	2.6
HDFC Capital Builder Value Fund Growth	₹727.431 ↑ 9.23	₹7,487	300	-4.3	-1.3	13.9	18.5	15	8.6
Tata Equity PE Fund Growth	₹341.746 ↑ 5.48	₹8,819	150	-3.8	-0.6	11.9	18.1	15.1	3.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Mar 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Nippon India Value Fund	ICICI Prudential Value Discovery Fund	Aditya Birla Sun Life Pure Value Fund	HDFC Capital Builder Value Fund	Tata Equity PE Fund
Point 1	Upper mid AUM (₹8,962 Cr).	Highest AUM (₹60,353 Cr).	Bottom quartile AUM (₹6,246 Cr).	Bottom quartile AUM (₹7,487 Cr).	Lower mid AUM (₹8,819 Cr).
Point 2	Established history (20+ yrs).	Established history (21+ yrs).	Established history (17+ yrs).	Oldest track record among peers (32 yrs).	Established history (21+ yrs).
Point 3	Not Rated.	Rating: 2★ (bottom quartile).	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	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: 17.11% (upper mid).	5Y return: 18.86% (top quartile).	5Y return: 15.19% (lower mid).	5Y return: 15.02% (bottom quartile).	5Y return: 15.10% (bottom quartile).
Point 6	3Y return: 21.26% (top quartile).	3Y return: 19.35% (upper mid).	3Y return: 19.30% (lower mid).	3Y return: 18.50% (bottom quartile).	3Y return: 18.13% (bottom quartile).
Point 7	1Y return: 9.40% (bottom quartile).	1Y return: 11.86% (bottom quartile).	1Y return: 12.06% (upper mid).	1Y return: 13.90% (top quartile).	1Y return: 11.87% (lower mid).
Point 8	Alpha: -0.62 (bottom quartile).	Alpha: 3.44 (top quartile).	Alpha: -1.64 (bottom quartile).	Alpha: 2.68 (upper mid).	Alpha: 0.27 (lower mid).
Point 9	Sharpe: 0.15 (bottom quartile).	Sharpe: 0.51 (top quartile).	Sharpe: 0.10 (bottom quartile).	Sharpe: 0.39 (upper mid).	Sharpe: 0.22 (lower mid).
Point 10	Information ratio: 1.55 (top quartile).	Information ratio: 0.80 (bottom quartile).	Information ratio: 0.57 (bottom quartile).	Information ratio: 1.10 (upper mid).	Information ratio: 0.89 (lower mid).

Nippon India Value Fund

Upper mid AUM (₹8,962 Cr).
Established history (20+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 17.11% (upper mid).
3Y return: 21.26% (top quartile).
1Y return: 9.40% (bottom quartile).
Alpha: -0.62 (bottom quartile).
Sharpe: 0.15 (bottom quartile).
Information ratio: 1.55 (top quartile).

ICICI Prudential Value Discovery Fund

Highest AUM (₹60,353 Cr).
Established history (21+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 18.86% (top quartile).
3Y return: 19.35% (upper mid).
1Y return: 11.86% (bottom quartile).
Alpha: 3.44 (top quartile).
Sharpe: 0.51 (top quartile).
Information ratio: 0.80 (bottom quartile).

Aditya Birla Sun Life Pure Value Fund

Bottom quartile AUM (₹6,246 Cr).
Established history (17+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 15.19% (lower mid).
3Y return: 19.30% (lower mid).
1Y return: 12.06% (upper mid).
Alpha: -1.64 (bottom quartile).
Sharpe: 0.10 (bottom quartile).
Information ratio: 0.57 (bottom quartile).

HDFC Capital Builder Value Fund

Bottom quartile AUM (₹7,487 Cr).
Oldest track record among peers (32 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 15.02% (bottom quartile).
3Y return: 18.50% (bottom quartile).
1Y return: 13.90% (top quartile).
Alpha: 2.68 (upper mid).
Sharpe: 0.39 (upper mid).
Information ratio: 1.10 (upper mid).

Tata Equity PE Fund

Lower mid AUM (₹8,819 Cr).
Established history (21+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 15.10% (bottom quartile).
3Y return: 18.13% (bottom quartile).
1Y return: 11.87% (lower mid).
Alpha: 0.27 (lower mid).
Sharpe: 0.22 (lower mid).
Information ratio: 0.89 (lower 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.

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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.