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Best Mutual Funds in India for SIP 2025 – 2026

Updated on August 31, 2025 , 24694 views

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

SIP- Optimal Way to Achieve Financial Goals

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

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

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

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

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

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

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

Best Mutual Funds in India for SIP 2025 - 2026

Best Large Cap Funds for SIP

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
Nippon India Large Cap Fund Growth ₹90.4332
↓ -0.16
₹44,165 100 1.515.70.61923.218.2
ICICI Prudential Bluechip Fund Growth ₹109.5
↓ -0.19
₹71,788 100 0.913.7-0.517.920.916.9
DSP TOP 100 Equity Growth ₹463.509
↓ -1.52
₹6,399 500 -1.59.9-1.317.118.220.5
Invesco India Largecap Fund Growth ₹68.69
↓ -0.06
₹1,528 100 0.917.1-1.716.118.520
HDFC Top 100 Fund Growth ₹1,121.54
↓ -1.50
₹38,117 300 0.310.3-4.515.820.111.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryNippon India Large Cap FundICICI Prudential Bluechip FundDSP TOP 100 EquityInvesco India Largecap FundHDFC Top 100 Fund
Point 1Upper mid AUM (₹44,165 Cr).Highest AUM (₹71,788 Cr).Bottom quartile AUM (₹6,399 Cr).Bottom quartile AUM (₹1,528 Cr).Lower mid AUM (₹38,117 Cr).
Point 2Established history (18+ yrs).Established history (17+ yrs).Established history (22+ yrs).Established history (16+ yrs).Oldest track record among peers (28 yrs).
Point 3Top rated.Rating: 4★ (upper mid).Rating: 2★ (bottom quartile).Rating: 3★ (lower mid).Rating: 3★ (bottom quartile).
Point 4Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.
Point 55Y return: 23.21% (top quartile).5Y return: 20.87% (upper mid).5Y return: 18.18% (bottom quartile).5Y return: 18.54% (bottom quartile).5Y return: 20.14% (lower mid).
Point 63Y return: 19.04% (top quartile).3Y return: 17.94% (upper mid).3Y return: 17.13% (lower mid).3Y return: 16.08% (bottom quartile).3Y return: 15.79% (bottom quartile).
Point 71Y return: 0.59% (top quartile).1Y return: -0.48% (upper mid).1Y return: -1.25% (lower mid).1Y return: -1.67% (bottom quartile).1Y return: -4.47% (bottom quartile).
Point 8Alpha: 0.61 (lower mid).Alpha: 1.58 (upper mid).Alpha: 0.42 (bottom quartile).Alpha: 2.28 (top quartile).Alpha: -2.13 (bottom quartile).
Point 9Sharpe: -0.37 (lower mid).Sharpe: -0.35 (upper mid).Sharpe: -0.38 (bottom quartile).Sharpe: -0.32 (top quartile).Sharpe: -0.64 (bottom quartile).
Point 10Information ratio: 1.84 (top quartile).Information ratio: 1.50 (upper mid).Information ratio: 0.84 (bottom quartile).Information ratio: 0.62 (bottom quartile).Information ratio: 0.96 (lower mid).

Nippon India Large Cap Fund

  • Upper mid AUM (₹44,165 Cr).
  • Established history (18+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 23.21% (top quartile).
  • 3Y return: 19.04% (top quartile).
  • 1Y return: 0.59% (top quartile).
  • Alpha: 0.61 (lower mid).
  • Sharpe: -0.37 (lower mid).
  • Information ratio: 1.84 (top quartile).

ICICI Prudential Bluechip Fund

  • Highest AUM (₹71,788 Cr).
  • Established history (17+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 20.87% (upper mid).
  • 3Y return: 17.94% (upper mid).
  • 1Y return: -0.48% (upper mid).
  • Alpha: 1.58 (upper mid).
  • Sharpe: -0.35 (upper mid).
  • Information ratio: 1.50 (upper mid).

DSP TOP 100 Equity

  • Bottom quartile AUM (₹6,399 Cr).
  • Established history (22+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 18.18% (bottom quartile).
  • 3Y return: 17.13% (lower mid).
  • 1Y return: -1.25% (lower mid).
  • Alpha: 0.42 (bottom quartile).
  • Sharpe: -0.38 (bottom quartile).
  • Information ratio: 0.84 (bottom quartile).

Invesco India Largecap Fund

  • Bottom quartile AUM (₹1,528 Cr).
  • Established history (16+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 18.54% (bottom quartile).
  • 3Y return: 16.08% (bottom quartile).
  • 1Y return: -1.67% (bottom quartile).
  • Alpha: 2.28 (top quartile).
  • Sharpe: -0.32 (top quartile).
  • Information ratio: 0.62 (bottom quartile).

HDFC Top 100 Fund

  • Lower mid AUM (₹38,117 Cr).
  • Oldest track record among peers (28 yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 20.14% (lower mid).
  • 3Y return: 15.79% (bottom quartile).
  • 1Y return: -4.47% (bottom quartile).
  • Alpha: -2.13 (bottom quartile).
  • Sharpe: -0.64 (bottom quartile).
  • Information ratio: 0.96 (lower mid).

Best Multi Cap Funds for SIP

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
Motilal Oswal Multicap 35 Fund Growth ₹62.5831
↓ 0.00
₹13,727 500 4.718.64.622.919.645.7
Nippon India Multi Cap Fund Growth ₹298.791
↑ 0.19
₹45,881 100 1.219.1022.728.825.8
HDFC Equity Fund Growth ₹1,982.84
↓ -3.29
₹80,642 300 214.34.422.127.123.5
JM Multicap Fund Growth ₹96.4176
↓ -0.19
₹5,957 500 -0.111.5-10.721.624.833.3
ICICI Prudential Multicap Fund Growth ₹783.18
↑ 1.33
₹15,523 100 -0.213.9-3.619.923.320.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryMotilal Oswal Multicap 35 FundNippon India Multi Cap FundHDFC Equity FundJM Multicap FundICICI Prudential Multicap Fund
Point 1Bottom quartile AUM (₹13,727 Cr).Upper mid AUM (₹45,881 Cr).Highest AUM (₹80,642 Cr).Bottom quartile AUM (₹5,957 Cr).Lower mid AUM (₹15,523 Cr).
Point 2Established history (11+ yrs).Established history (20+ yrs).Oldest track record among peers (30 yrs).Established history (16+ yrs).Established history (30+ yrs).
Point 3Top rated.Rating: 2★ (bottom quartile).Rating: 3★ (lower mid).Rating: 4★ (upper mid).Rating: 3★ (bottom quartile).
Point 4Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.
Point 55Y return: 19.57% (bottom quartile).5Y return: 28.84% (top quartile).5Y return: 27.12% (upper mid).5Y return: 24.78% (lower mid).5Y return: 23.26% (bottom quartile).
Point 63Y return: 22.89% (top quartile).3Y return: 22.65% (upper mid).3Y return: 22.05% (lower mid).3Y return: 21.56% (bottom quartile).3Y return: 19.87% (bottom quartile).
Point 71Y return: 4.60% (top quartile).1Y return: -0.01% (lower mid).1Y return: 4.45% (upper mid).1Y return: -10.70% (bottom quartile).1Y return: -3.59% (bottom quartile).
Point 8Alpha: 10.18 (top quartile).Alpha: 2.00 (lower mid).Alpha: 4.65 (upper mid).Alpha: -9.56 (bottom quartile).Alpha: -0.54 (bottom quartile).
Point 9Sharpe: 0.11 (top quartile).Sharpe: -0.27 (lower mid).Sharpe: -0.02 (upper mid).Sharpe: -1.04 (bottom quartile).Sharpe: -0.43 (bottom quartile).
Point 10Information ratio: 0.80 (bottom quartile).Information ratio: 0.95 (upper mid).Information ratio: 1.60 (top quartile).Information ratio: 0.94 (lower mid).Information ratio: 0.37 (bottom quartile).

Motilal Oswal Multicap 35 Fund

  • Bottom quartile AUM (₹13,727 Cr).
  • Established history (11+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 19.57% (bottom quartile).
  • 3Y return: 22.89% (top quartile).
  • 1Y return: 4.60% (top quartile).
  • Alpha: 10.18 (top quartile).
  • Sharpe: 0.11 (top quartile).
  • Information ratio: 0.80 (bottom quartile).

Nippon India Multi Cap Fund

  • Upper mid AUM (₹45,881 Cr).
  • Established history (20+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 28.84% (top quartile).
  • 3Y return: 22.65% (upper mid).
  • 1Y return: -0.01% (lower mid).
  • Alpha: 2.00 (lower mid).
  • Sharpe: -0.27 (lower mid).
  • Information ratio: 0.95 (upper mid).

HDFC Equity Fund

  • Highest AUM (₹80,642 Cr).
  • Oldest track record among peers (30 yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 27.12% (upper mid).
  • 3Y return: 22.05% (lower mid).
  • 1Y return: 4.45% (upper mid).
  • Alpha: 4.65 (upper mid).
  • Sharpe: -0.02 (upper mid).
  • Information ratio: 1.60 (top quartile).

JM Multicap Fund

  • Bottom quartile AUM (₹5,957 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 24.78% (lower mid).
  • 3Y return: 21.56% (bottom quartile).
  • 1Y return: -10.70% (bottom quartile).
  • Alpha: -9.56 (bottom quartile).
  • Sharpe: -1.04 (bottom quartile).
  • Information ratio: 0.94 (lower mid).

ICICI Prudential Multicap Fund

  • Lower mid AUM (₹15,523 Cr).
  • Established history (30+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 23.26% (bottom quartile).
  • 3Y return: 19.87% (bottom quartile).
  • 1Y return: -3.59% (bottom quartile).
  • Alpha: -0.54 (bottom quartile).
  • Sharpe: -0.43 (bottom quartile).
  • Information ratio: 0.37 (bottom quartile).

Best Mid Cap Funds for SIP

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
Invesco India Mid Cap Fund Growth ₹179.07
↓ -0.61
₹7,802 500 5.426.89.326.927.643.1
ICICI Prudential MidCap Fund Growth ₹293.52
↑ 0.28
₹6,654 100 1.721.70.121.125.727
TATA Mid Cap Growth Fund Growth ₹426.86
↑ 0.36
₹4,984 150 2.418.3-5.219.624.122.7
BNP Paribas Mid Cap Fund Growth ₹100.111
↑ 0.23
₹2,183 300 0.715.7-4.418.723.928.5
Aditya Birla Sun Life Midcap Fund Growth ₹776.85
↑ 2.40
₹6,106 1,000 1.218.5-3.218.123.822
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryInvesco India Mid Cap FundICICI Prudential MidCap FundTATA Mid Cap Growth FundBNP Paribas Mid Cap FundAditya Birla Sun Life Midcap Fund
Point 1Highest AUM (₹7,802 Cr).Upper mid AUM (₹6,654 Cr).Bottom quartile AUM (₹4,984 Cr).Bottom quartile AUM (₹2,183 Cr).Lower mid AUM (₹6,106 Cr).
Point 2Established history (18+ yrs).Established history (20+ yrs).Oldest track record among peers (31 yrs).Established history (19+ yrs).Established history (22+ yrs).
Point 3Rating: 2★ (lower mid).Rating: 2★ (bottom quartile).Rating: 2★ (bottom quartile).Top rated.Rating: 3★ (upper mid).
Point 4Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: High.Risk profile: Moderately High.
Point 55Y return: 27.63% (top quartile).5Y return: 25.65% (upper mid).5Y return: 24.14% (lower mid).5Y return: 23.87% (bottom quartile).5Y return: 23.81% (bottom quartile).
Point 63Y return: 26.86% (top quartile).3Y return: 21.07% (upper mid).3Y return: 19.60% (lower mid).3Y return: 18.73% (bottom quartile).3Y return: 18.14% (bottom quartile).
Point 71Y return: 9.34% (top quartile).1Y return: 0.10% (upper mid).1Y return: -5.24% (bottom quartile).1Y return: -4.44% (bottom quartile).1Y return: -3.23% (lower mid).
Point 8Alpha: 0.00 (upper mid).Alpha: 2.10 (top quartile).Alpha: -4.59 (bottom quartile).Alpha: -2.60 (bottom quartile).Alpha: -0.08 (lower mid).
Point 9Sharpe: 0.32 (top quartile).Sharpe: -0.22 (upper mid).Sharpe: -0.59 (bottom quartile).Sharpe: -0.49 (bottom quartile).Sharpe: -0.33 (lower mid).
Point 10Information ratio: 0.00 (top quartile).Information ratio: -0.41 (upper mid).Information ratio: -0.81 (lower mid).Information ratio: -0.92 (bottom quartile).Information ratio: -1.00 (bottom quartile).

Invesco India Mid Cap Fund

  • Highest AUM (₹7,802 Cr).
  • Established history (18+ yrs).
  • Rating: 2★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 27.63% (top quartile).
  • 3Y return: 26.86% (top quartile).
  • 1Y return: 9.34% (top quartile).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 0.32 (top quartile).
  • Information ratio: 0.00 (top quartile).

ICICI Prudential MidCap Fund

  • Upper mid AUM (₹6,654 Cr).
  • Established history (20+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 25.65% (upper mid).
  • 3Y return: 21.07% (upper mid).
  • 1Y return: 0.10% (upper mid).
  • Alpha: 2.10 (top quartile).
  • Sharpe: -0.22 (upper mid).
  • Information ratio: -0.41 (upper mid).

TATA Mid Cap Growth Fund

  • Bottom quartile AUM (₹4,984 Cr).
  • Oldest track record among peers (31 yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 24.14% (lower mid).
  • 3Y return: 19.60% (lower mid).
  • 1Y return: -5.24% (bottom quartile).
  • Alpha: -4.59 (bottom quartile).
  • Sharpe: -0.59 (bottom quartile).
  • Information ratio: -0.81 (lower mid).

BNP Paribas Mid Cap Fund

  • Bottom quartile AUM (₹2,183 Cr).
  • Established history (19+ yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 23.87% (bottom quartile).
  • 3Y return: 18.73% (bottom quartile).
  • 1Y return: -4.44% (bottom quartile).
  • Alpha: -2.60 (bottom quartile).
  • Sharpe: -0.49 (bottom quartile).
  • Information ratio: -0.92 (bottom quartile).

Aditya Birla Sun Life Midcap Fund

  • Lower mid AUM (₹6,106 Cr).
  • Established history (22+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 23.81% (bottom quartile).
  • 3Y return: 18.14% (bottom quartile).
  • 1Y return: -3.23% (lower mid).
  • Alpha: -0.08 (lower mid).
  • Sharpe: -0.33 (lower mid).
  • Information ratio: -1.00 (bottom quartile).

Best Small Cap Funds for SIP

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
HDFC Small Cap Fund Growth ₹142.308
↑ 1.23
₹36,353 300 5.225.10.223.430.420.4
Nippon India Small Cap Fund Growth ₹167.443
↑ 0.56
₹65,922 100 0.520-6.722.932.326.1
Franklin India Smaller Companies Fund Growth ₹168.29
↑ 0.73
₹13,825 500 -217.5-9.322.629.123.2
DSP Small Cap Fund  Growth ₹196.978
₹17,005 500 1.523.8-1.820.427.425.6
Sundaram Small Cap Fund Growth ₹254.233
↑ 1.22
₹3,394 100 0.521.3-4.119.527.419.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryHDFC Small Cap FundNippon India Small Cap FundFranklin India Smaller Companies FundDSP Small Cap Fund Sundaram Small Cap Fund
Point 1Upper mid AUM (₹36,353 Cr).Highest AUM (₹65,922 Cr).Bottom quartile AUM (₹13,825 Cr).Lower mid AUM (₹17,005 Cr).Bottom quartile AUM (₹3,394 Cr).
Point 2Established history (17+ yrs).Established history (14+ yrs).Established history (19+ yrs).Established history (18+ yrs).Oldest track record among peers (20 yrs).
Point 3Top rated.Rating: 4★ (upper mid).Rating: 4★ (lower mid).Rating: 4★ (bottom quartile).Rating: 3★ (bottom quartile).
Point 4Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.
Point 55Y return: 30.36% (upper mid).5Y return: 32.30% (top quartile).5Y return: 29.14% (lower mid).5Y return: 27.45% (bottom quartile).5Y return: 27.38% (bottom quartile).
Point 63Y return: 23.40% (top quartile).3Y return: 22.91% (upper mid).3Y return: 22.56% (lower mid).3Y return: 20.35% (bottom quartile).3Y return: 19.48% (bottom quartile).
Point 71Y return: 0.16% (top quartile).1Y return: -6.69% (bottom quartile).1Y return: -9.33% (bottom quartile).1Y return: -1.83% (upper mid).1Y return: -4.07% (lower mid).
Point 8Alpha: 0.00 (upper mid).Alpha: -3.84 (bottom quartile).Alpha: -5.51 (bottom quartile).Alpha: 0.00 (lower mid).Alpha: 3.14 (top quartile).
Point 9Sharpe: -0.17 (upper mid).Sharpe: -0.51 (bottom quartile).Sharpe: -0.59 (bottom quartile).Sharpe: -0.06 (top quartile).Sharpe: -0.17 (lower mid).
Point 10Information ratio: 0.00 (top quartile).Information ratio: 0.00 (upper mid).Information ratio: -0.06 (bottom quartile).Information ratio: 0.00 (lower mid).Information ratio: -0.51 (bottom quartile).

HDFC Small Cap Fund

  • Upper mid AUM (₹36,353 Cr).
  • Established history (17+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 30.36% (upper mid).
  • 3Y return: 23.40% (top quartile).
  • 1Y return: 0.16% (top quartile).
  • Alpha: 0.00 (upper mid).
  • Sharpe: -0.17 (upper mid).
  • Information ratio: 0.00 (top quartile).

Nippon India Small Cap Fund

  • Highest AUM (₹65,922 Cr).
  • Established history (14+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 32.30% (top quartile).
  • 3Y return: 22.91% (upper mid).
  • 1Y return: -6.69% (bottom quartile).
  • Alpha: -3.84 (bottom quartile).
  • Sharpe: -0.51 (bottom quartile).
  • Information ratio: 0.00 (upper mid).

Franklin India Smaller Companies Fund

  • Bottom quartile AUM (₹13,825 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 29.14% (lower mid).
  • 3Y return: 22.56% (lower mid).
  • 1Y return: -9.33% (bottom quartile).
  • Alpha: -5.51 (bottom quartile).
  • Sharpe: -0.59 (bottom quartile).
  • Information ratio: -0.06 (bottom quartile).

DSP Small Cap Fund 

  • Lower mid AUM (₹17,005 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 27.45% (bottom quartile).
  • 3Y return: 20.35% (bottom quartile).
  • 1Y return: -1.83% (upper mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: -0.06 (top quartile).
  • Information ratio: 0.00 (lower mid).

Sundaram Small Cap Fund

  • Bottom quartile AUM (₹3,394 Cr).
  • Oldest track record among peers (20 yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 27.38% (bottom quartile).
  • 3Y return: 19.48% (bottom quartile).
  • 1Y return: -4.07% (lower mid).
  • Alpha: 3.14 (top quartile).
  • Sharpe: -0.17 (lower mid).
  • Information ratio: -0.51 (bottom quartile).

Best ELSS (Tax Saving Mutual Funds) for SIP

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
Motilal Oswal Long Term Equity Fund Growth ₹50.729
↑ 0.10
₹4,402 500 -1.922.8-1.824.424.647.7
SBI Magnum Tax Gain Fund Growth ₹429.611
↑ 0.32
₹30,271 500 -0.611.5-423.324.427.7
HDFC Tax Saver Fund Growth ₹1,405.31
↓ -2.98
₹16,579 500 1.514.51.821.424.121.3
IDBI Equity Advantage Fund Growth ₹43.39
↑ 0.04
₹485 500 9.715.116.920.810
HDFC Long Term Advantage Fund Growth ₹595.168
↑ 0.28
₹1,318 500 1.215.435.520.617.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryMotilal Oswal Long Term Equity FundSBI Magnum Tax Gain FundHDFC Tax Saver FundIDBI Equity Advantage FundHDFC Long Term Advantage Fund
Point 1Lower mid AUM (₹4,402 Cr).Highest AUM (₹30,271 Cr).Upper mid AUM (₹16,579 Cr).Bottom quartile AUM (₹485 Cr).Bottom quartile AUM (₹1,318 Cr).
Point 2Established history (10+ yrs).Established history (18+ yrs).Oldest track record among peers (29 yrs).Established history (11+ yrs).Established history (24+ yrs).
Point 3Not Rated.Rating: 2★ (lower mid).Rating: 2★ (bottom quartile).Top rated.Rating: 3★ (upper mid).
Point 4Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.
Point 55Y return: 24.60% (top quartile).5Y return: 24.40% (upper mid).5Y return: 24.15% (lower mid).5Y return: 9.97% (bottom quartile).5Y return: 17.39% (bottom quartile).
Point 63Y return: 24.36% (top quartile).3Y return: 23.28% (upper mid).3Y return: 21.36% (lower mid).3Y return: 20.84% (bottom quartile).3Y return: 20.64% (bottom quartile).
Point 71Y return: -1.80% (bottom quartile).1Y return: -4.04% (bottom quartile).1Y return: 1.77% (lower mid).1Y return: 16.92% (upper mid).1Y return: 35.51% (top quartile).
Point 8Alpha: 11.36 (top quartile).Alpha: -1.89 (bottom quartile).Alpha: 3.09 (upper mid).Alpha: 1.78 (lower mid).Alpha: 1.75 (bottom quartile).
Point 9Sharpe: 0.04 (lower mid).Sharpe: -0.62 (bottom quartile).Sharpe: -0.18 (bottom quartile).Sharpe: 1.21 (upper mid).Sharpe: 2.27 (top quartile).
Point 10Information ratio: 0.92 (lower mid).Information ratio: 2.16 (top quartile).Information ratio: 1.67 (upper mid).Information ratio: -1.13 (bottom quartile).Information ratio: -0.15 (bottom quartile).

Motilal Oswal Long Term Equity Fund

  • Lower mid AUM (₹4,402 Cr).
  • Established history (10+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 24.60% (top quartile).
  • 3Y return: 24.36% (top quartile).
  • 1Y return: -1.80% (bottom quartile).
  • Alpha: 11.36 (top quartile).
  • Sharpe: 0.04 (lower mid).
  • Information ratio: 0.92 (lower mid).

SBI Magnum Tax Gain Fund

  • Highest AUM (₹30,271 Cr).
  • Established history (18+ yrs).
  • Rating: 2★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 24.40% (upper mid).
  • 3Y return: 23.28% (upper mid).
  • 1Y return: -4.04% (bottom quartile).
  • Alpha: -1.89 (bottom quartile).
  • Sharpe: -0.62 (bottom quartile).
  • Information ratio: 2.16 (top quartile).

HDFC Tax Saver Fund

  • Upper mid AUM (₹16,579 Cr).
  • Oldest track record among peers (29 yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 24.15% (lower mid).
  • 3Y return: 21.36% (lower mid).
  • 1Y return: 1.77% (lower mid).
  • Alpha: 3.09 (upper mid).
  • Sharpe: -0.18 (bottom quartile).
  • Information ratio: 1.67 (upper mid).

IDBI Equity Advantage Fund

  • Bottom quartile AUM (₹485 Cr).
  • Established history (11+ 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

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
SBI Banking & Financial Services Fund Growth ₹41.4578
↓ -0.14
₹8,450 500 0.315.59.717.620.119.6
Baroda Pioneer Banking And Financial Services Fund Growth ₹46.3096
↓ -0.26
₹297 500 -2.912.97.61518.112.5
ICICI Prudential Banking and Financial Services Fund Growth ₹130.28
↓ -0.69
₹9,930 100 -2.112.65.814.819.611.6
TATA Banking and Financial Services Fund Growth ₹41.384
↓ -0.13
₹2,895 150 -2.712.85.616.518.89
UTI Banking and Financial Services Fund Growth ₹182.639
↓ -1.03
₹1,305 500 -2.9135.514.819.211.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentarySBI Banking & Financial Services FundBaroda Pioneer Banking And Financial Services FundICICI Prudential Banking and Financial Services FundTATA Banking and Financial Services FundUTI Banking and Financial Services Fund
Point 1Upper mid AUM (₹8,450 Cr).Bottom quartile AUM (₹297 Cr).Highest AUM (₹9,930 Cr).Lower mid AUM (₹2,895 Cr).Bottom quartile AUM (₹1,305 Cr).
Point 2Established history (10+ yrs).Established history (13+ yrs).Established history (17+ yrs).Established history (9+ yrs).Oldest track record among peers (21 yrs).
Point 3Not Rated.Rating: 2★ (lower mid).Top rated.Not Rated.Rating: 3★ (upper mid).
Point 4Risk profile: High.Risk profile: High.Risk profile: High.Risk profile: High.Risk profile: High.
Point 55Y return: 20.10% (top quartile).5Y return: 18.08% (bottom quartile).5Y return: 19.60% (upper mid).5Y return: 18.83% (bottom quartile).5Y return: 19.25% (lower mid).
Point 63Y return: 17.57% (top quartile).3Y return: 15.04% (lower mid).3Y return: 14.76% (bottom quartile).3Y return: 16.47% (upper mid).3Y return: 14.79% (bottom quartile).
Point 71Y return: 9.68% (top quartile).1Y return: 7.64% (upper mid).1Y return: 5.85% (lower mid).1Y return: 5.58% (bottom quartile).1Y return: 5.46% (bottom quartile).
Point 8Alpha: -2.42 (upper mid).Alpha: -2.36 (top quartile).Alpha: -3.35 (lower mid).Alpha: -4.10 (bottom quartile).Alpha: -5.63 (bottom quartile).
Point 9Sharpe: 0.48 (upper mid).Sharpe: 0.50 (top quartile).Sharpe: 0.37 (lower mid).Sharpe: 0.36 (bottom quartile).Sharpe: 0.27 (bottom quartile).
Point 10Information ratio: 0.59 (top quartile).Information ratio: 0.33 (lower mid).Information ratio: 0.18 (bottom quartile).Information ratio: 0.59 (upper mid).Information ratio: 0.23 (bottom quartile).

SBI Banking & Financial Services Fund

  • Upper mid AUM (₹8,450 Cr).
  • Established history (10+ yrs).
  • Not Rated.
  • Risk profile: High.
  • 5Y return: 20.10% (top quartile).
  • 3Y return: 17.57% (top quartile).
  • 1Y return: 9.68% (top quartile).
  • Alpha: -2.42 (upper mid).
  • Sharpe: 0.48 (upper mid).
  • Information ratio: 0.59 (top quartile).

Baroda Pioneer Banking And Financial Services Fund

  • Bottom quartile AUM (₹297 Cr).
  • Established history (13+ yrs).
  • Rating: 2★ (lower mid).
  • Risk profile: High.
  • 5Y return: 18.08% (bottom quartile).
  • 3Y return: 15.04% (lower mid).
  • 1Y return: 7.64% (upper mid).
  • Alpha: -2.36 (top quartile).
  • Sharpe: 0.50 (top quartile).
  • Information ratio: 0.33 (lower mid).

ICICI Prudential Banking and Financial Services Fund

  • Highest AUM (₹9,930 Cr).
  • Established history (17+ yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 19.60% (upper mid).
  • 3Y return: 14.76% (bottom quartile).
  • 1Y return: 5.85% (lower mid).
  • Alpha: -3.35 (lower mid).
  • Sharpe: 0.37 (lower mid).
  • Information ratio: 0.18 (bottom quartile).

TATA Banking and Financial Services Fund

  • Lower mid AUM (₹2,895 Cr).
  • Established history (9+ yrs).
  • Not Rated.
  • Risk profile: High.
  • 5Y return: 18.83% (bottom quartile).
  • 3Y return: 16.47% (upper mid).
  • 1Y return: 5.58% (bottom quartile).
  • Alpha: -4.10 (bottom quartile).
  • Sharpe: 0.36 (bottom quartile).
  • Information ratio: 0.59 (upper mid).

UTI Banking and Financial Services Fund

  • Bottom quartile AUM (₹1,305 Cr).
  • Oldest track record among peers (21 yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: High.
  • 5Y return: 19.25% (lower mid).
  • 3Y return: 14.79% (bottom quartile).
  • 1Y return: 5.46% (bottom quartile).
  • Alpha: -5.63 (bottom quartile).
  • Sharpe: 0.27 (bottom quartile).
  • Information ratio: 0.23 (bottom quartile).

Best Focused Funds for SIP

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
ICICI Prudential Focused Equity Fund Growth ₹91.7
↓ -0.02
₹12,380 100 219.12.522.123.926.5
HDFC Focused 30 Fund Growth ₹230.306
↓ -0.43
₹21,456 300 2.214.15.62227.124
Sundaram Select Focus Fund Growth ₹264.968
↓ -1.18
₹1,354 100 -58.524.51717.3
DSP Focus Fund Growth ₹53.189
↑ 0.02
₹2,595 500 -1.511.6-4.116.417.918.5
Franklin India Focused Equity Fund Growth ₹107.381
↓ -0.08
₹12,421 500 213.2-2.816.222.919.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryICICI Prudential Focused Equity FundHDFC Focused 30 FundSundaram Select Focus FundDSP Focus FundFranklin India Focused Equity Fund
Point 1Lower mid AUM (₹12,380 Cr).Highest AUM (₹21,456 Cr).Bottom quartile AUM (₹1,354 Cr).Bottom quartile AUM (₹2,595 Cr).Upper mid AUM (₹12,421 Cr).
Point 2Established history (16+ yrs).Established history (20+ yrs).Oldest track record among peers (23 yrs).Established history (15+ yrs).Established history (18+ yrs).
Point 3Rating: 2★ (bottom quartile).Top rated.Rating: 3★ (upper mid).Rating: 3★ (lower mid).Rating: 3★ (bottom quartile).
Point 4Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.
Point 55Y return: 23.87% (upper mid).5Y return: 27.11% (top quartile).5Y return: 17.29% (bottom quartile).5Y return: 17.86% (bottom quartile).5Y return: 22.86% (lower mid).
Point 63Y return: 22.10% (top quartile).3Y return: 22.03% (upper mid).3Y return: 17.03% (lower mid).3Y return: 16.43% (bottom quartile).3Y return: 16.20% (bottom quartile).
Point 71Y return: 2.53% (lower mid).1Y return: 5.60% (upper mid).1Y return: 24.49% (top quartile).1Y return: -4.05% (bottom quartile).1Y return: -2.77% (bottom quartile).
Point 8Alpha: 5.93 (top quartile).Alpha: 4.74 (upper mid).Alpha: -5.62 (bottom quartile).Alpha: 2.09 (lower mid).Alpha: -0.18 (bottom quartile).
Point 9Sharpe: -0.08 (lower mid).Sharpe: 0.01 (upper mid).Sharpe: 1.85 (top quartile).Sharpe: -0.28 (bottom quartile).Sharpe: -0.43 (bottom quartile).
Point 10Information ratio: 1.48 (top quartile).Information ratio: 1.44 (upper mid).Information ratio: -0.52 (bottom quartile).Information ratio: 0.26 (lower mid).Information ratio: 0.15 (bottom quartile).

ICICI Prudential Focused Equity Fund

  • Lower mid AUM (₹12,380 Cr).
  • Established history (16+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 23.87% (upper mid).
  • 3Y return: 22.10% (top quartile).
  • 1Y return: 2.53% (lower mid).
  • Alpha: 5.93 (top quartile).
  • Sharpe: -0.08 (lower mid).
  • Information ratio: 1.48 (top quartile).

HDFC Focused 30 Fund

  • Highest AUM (₹21,456 Cr).
  • Established history (20+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 27.11% (top quartile).
  • 3Y return: 22.03% (upper mid).
  • 1Y return: 5.60% (upper mid).
  • Alpha: 4.74 (upper mid).
  • Sharpe: 0.01 (upper mid).
  • Information ratio: 1.44 (upper mid).

Sundaram Select Focus Fund

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

DSP Focus Fund

  • Bottom quartile AUM (₹2,595 Cr).
  • Established history (15+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 17.86% (bottom quartile).
  • 3Y return: 16.43% (bottom quartile).
  • 1Y return: -4.05% (bottom quartile).
  • Alpha: 2.09 (lower mid).
  • Sharpe: -0.28 (bottom quartile).
  • Information ratio: 0.26 (lower mid).

Franklin India Focused Equity Fund

  • Upper mid AUM (₹12,421 Cr).
  • Established history (18+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 22.86% (lower mid).
  • 3Y return: 16.20% (bottom quartile).
  • 1Y return: -2.77% (bottom quartile).
  • Alpha: -0.18 (bottom quartile).
  • Sharpe: -0.43 (bottom quartile).
  • Information ratio: 0.15 (bottom quartile).

Best Value Funds for SIP

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
JM Value Fund Growth ₹95.7697
↑ 0.24
₹1,062 500 -213.8-13.123.525.125.1
ICICI Prudential Value Discovery Fund Growth ₹467.17
↑ 2.99
₹53,716 100 0.913.20.121.525.820
Nippon India Value Fund Growth ₹221.51
↑ 0.32
₹8,768 100 -0.312.8-3.92124.822.3
HDFC Capital Builder Value Fund Growth ₹727.854
↑ 0.51
₹7,348 300 0.415.6-2.718.821.920.7
Aditya Birla Sun Life Pure Value Fund Growth ₹119.767
↑ 0.09
₹6,099 1,000 -2.913-10.718.421.318.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryJM Value FundICICI Prudential Value Discovery FundNippon India Value FundHDFC Capital Builder Value FundAditya Birla Sun Life Pure Value Fund
Point 1Bottom quartile AUM (₹1,062 Cr).Highest AUM (₹53,716 Cr).Upper mid AUM (₹8,768 Cr).Lower mid AUM (₹7,348 Cr).Bottom quartile AUM (₹6,099 Cr).
Point 2Established history (28+ yrs).Established history (21+ yrs).Established history (20+ yrs).Oldest track record among peers (31 yrs).Established history (17+ yrs).
Point 3Top rated.Rating: 2★ (bottom quartile).Not Rated.Rating: 3★ (upper mid).Rating: 3★ (lower mid).
Point 4Risk profile: High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.
Point 55Y return: 25.10% (upper mid).5Y return: 25.76% (top quartile).5Y return: 24.85% (lower mid).5Y return: 21.90% (bottom quartile).5Y return: 21.32% (bottom quartile).
Point 63Y return: 23.50% (top quartile).3Y return: 21.53% (upper mid).3Y return: 20.96% (lower mid).3Y return: 18.78% (bottom quartile).3Y return: 18.40% (bottom quartile).
Point 71Y return: -13.11% (bottom quartile).1Y return: 0.10% (top quartile).1Y return: -3.92% (lower mid).1Y return: -2.70% (upper mid).1Y return: -10.65% (bottom quartile).
Point 8Alpha: -8.41 (bottom quartile).Alpha: 1.35 (upper mid).Alpha: -0.35 (lower mid).Alpha: 1.74 (top quartile).Alpha: -3.62 (bottom quartile).
Point 9Sharpe: -0.92 (bottom quartile).Sharpe: -0.31 (top quartile).Sharpe: -0.46 (lower mid).Sharpe: -0.32 (upper mid).Sharpe: -0.62 (bottom quartile).
Point 10Information ratio: 1.11 (lower mid).Information ratio: 1.04 (bottom quartile).Information ratio: 1.73 (top quartile).Information ratio: 1.34 (upper mid).Information ratio: 0.59 (bottom quartile).

JM Value Fund

  • Bottom quartile AUM (₹1,062 Cr).
  • Established history (28+ yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 25.10% (upper mid).
  • 3Y return: 23.50% (top quartile).
  • 1Y return: -13.11% (bottom quartile).
  • Alpha: -8.41 (bottom quartile).
  • Sharpe: -0.92 (bottom quartile).
  • Information ratio: 1.11 (lower mid).

ICICI Prudential Value Discovery Fund

  • Highest AUM (₹53,716 Cr).
  • Established history (21+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 25.76% (top quartile).
  • 3Y return: 21.53% (upper mid).
  • 1Y return: 0.10% (top quartile).
  • Alpha: 1.35 (upper mid).
  • Sharpe: -0.31 (top quartile).
  • Information ratio: 1.04 (bottom quartile).

Nippon India Value Fund

  • Upper mid AUM (₹8,768 Cr).
  • Established history (20+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 24.85% (lower mid).
  • 3Y return: 20.96% (lower mid).
  • 1Y return: -3.92% (lower mid).
  • Alpha: -0.35 (lower mid).
  • Sharpe: -0.46 (lower mid).
  • Information ratio: 1.73 (top quartile).

HDFC Capital Builder Value Fund

  • Lower mid AUM (₹7,348 Cr).
  • Oldest track record among peers (31 yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 21.90% (bottom quartile).
  • 3Y return: 18.78% (bottom quartile).
  • 1Y return: -2.70% (upper mid).
  • Alpha: 1.74 (top quartile).
  • Sharpe: -0.32 (upper mid).
  • Information ratio: 1.34 (upper mid).

Aditya Birla Sun Life Pure Value Fund

  • Bottom quartile AUM (₹6,099 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 21.32% (bottom quartile).
  • 3Y return: 18.40% (bottom quartile).
  • 1Y return: -10.65% (bottom quartile).
  • Alpha: -3.62 (bottom quartile).
  • Sharpe: -0.62 (bottom quartile).
  • Information ratio: 0.59 (bottom quartile).

SIP Calculator

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

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

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

SIP-Calculator

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

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Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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