Best Mutual Funds in India for SIP 2026 – 2027

Updated on September 23, 2026 , 25616 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 (%)	2025 (%)
Invesco India Largecap Fund Growth	₹70.4 ↑ 0.07	₹2,021	100	-0.5	9.8	1.2	12.3	9.2	5.5
Bandhan Large Cap Fund Growth	₹76.129 ↑ 0.05	₹2,145	100	-1	4.9	-1.1	11.2	8.5	8.2
BNP Paribas Large Cap Fund Growth	₹215.188 ↑ 0.69	₹2,641	300	-1.1	3.8	-1.4	10	8.6	4.4
Nippon India Large Cap Fund Growth	₹86.753 ↑ 0.23	₹54,134	100	-3.6	1.8	-5.4	9.8	11.5	9.2
ICICI Prudential Bluechip Fund Growth	₹104.57 ↑ 0.38	₹80,206	100	-3.6	0.6	-5.7	9.8	9.8	11.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 25 Sep 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Invesco India Largecap Fund	Bandhan Large Cap Fund	BNP Paribas Large Cap Fund	Nippon India Large Cap Fund	ICICI Prudential Bluechip Fund
Point 1	Bottom quartile AUM (₹2,021 Cr).	Bottom quartile AUM (₹2,145 Cr).	Lower mid AUM (₹2,641 Cr).	Upper mid AUM (₹54,134 Cr).	Highest AUM (₹80,206 Cr).
Point 2	Established history (17+ yrs).	Established history (20+ yrs).	Oldest track record among peers (22 yrs).	Established history (19+ yrs).	Established history (18+ yrs).
Point 3	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).	Rating: 3★ (bottom quartile).	Top rated.	Rating: 4★ (upper mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 9.24% (lower mid).	5Y return: 8.54% (bottom quartile).	5Y return: 8.64% (bottom quartile).	5Y return: 11.45% (top quartile).	5Y return: 9.80% (upper mid).
Point 6	3Y return: 12.29% (top quartile).	3Y return: 11.18% (upper mid).	3Y return: 10.02% (lower mid).	3Y return: 9.83% (bottom quartile).	3Y return: 9.83% (bottom quartile).
Point 7	1Y return: 1.19% (top quartile).	1Y return: -1.10% (upper mid).	1Y return: -1.42% (lower mid).	1Y return: -5.41% (bottom quartile).	1Y return: -5.66% (bottom quartile).
Point 8	Alpha: 6.54 (top quartile).	Alpha: 2.93 (upper mid).	Alpha: 2.25 (lower mid).	Alpha: -1.78 (bottom quartile).	Alpha: -2.61 (bottom quartile).
Point 9	Sharpe: 0.25 (top quartile).	Sharpe: 0.05 (upper mid).	Sharpe: 0.01 (lower mid).	Sharpe: -0.24 (bottom quartile).	Sharpe: -0.30 (bottom quartile).
Point 10	Information ratio: 0.98 (top quartile).	Information ratio: 0.90 (upper mid).	Information ratio: 0.53 (lower mid).	Information ratio: 0.46 (bottom quartile).	Information ratio: 0.51 (bottom quartile).

Invesco India Largecap Fund

Bottom quartile AUM (₹2,021 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 9.24% (lower mid).
3Y return: 12.29% (top quartile).
1Y return: 1.19% (top quartile).
Alpha: 6.54 (top quartile).
Sharpe: 0.25 (top quartile).
Information ratio: 0.98 (top quartile).

Bandhan Large Cap Fund

Bottom quartile AUM (₹2,145 Cr).
Established history (20+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 8.54% (bottom quartile).
3Y return: 11.18% (upper mid).
1Y return: -1.10% (upper mid).
Alpha: 2.93 (upper mid).
Sharpe: 0.05 (upper mid).
Information ratio: 0.90 (upper mid).

BNP Paribas Large Cap Fund

Lower mid AUM (₹2,641 Cr).
Oldest track record among peers (22 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 8.64% (bottom quartile).
3Y return: 10.02% (lower mid).
1Y return: -1.42% (lower mid).
Alpha: 2.25 (lower mid).
Sharpe: 0.01 (lower mid).
Information ratio: 0.53 (lower mid).

Nippon India Large Cap Fund

Upper mid AUM (₹54,134 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 11.45% (top quartile).
3Y return: 9.83% (bottom quartile).
1Y return: -5.41% (bottom quartile).
Alpha: -1.78 (bottom quartile).
Sharpe: -0.24 (bottom quartile).
Information ratio: 0.46 (bottom quartile).

ICICI Prudential Bluechip Fund

Highest AUM (₹80,206 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 9.80% (upper mid).
3Y return: 9.83% (bottom quartile).
1Y return: -5.66% (bottom quartile).
Alpha: -2.61 (bottom quartile).
Sharpe: -0.30 (bottom quartile).
Information ratio: 0.51 (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 (%)	2025 (%)
Aditya Birla Sun Life Manufacturing Equity Fund Growth	₹39.92 ↑ 0.20	₹1,402	1,000	8.4	24.2	22.4	20.6	14.4	3.5
BNP Paribas Multi Cap Fund Growth	₹73.5154 ↓ -0.01	₹588	300	-4.6	-2.6	19.3	17.3	13.6
Motilal Oswal Multicap 35 Fund Growth	₹62.7279 ↓ -0.18	₹14,160	500	8.2	17.6	1.9	17.2	11.6	-5.6
Mahindra Badhat Yojana Growth	₹39.0931 ↑ 0.04	₹7,662	500	3.7	16.6	11.3	15.9	13.9	3.4
Bandhan Focused Equity Fund Growth	₹91.556 ↓ -0.47	₹2,086	100	4.3	13.1	5.8	15	11.2	-1.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 25 Sep 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Aditya Birla Sun Life Manufacturing Equity Fund	BNP Paribas Multi Cap Fund	Motilal Oswal Multicap 35 Fund	Mahindra Badhat Yojana	Bandhan Focused Equity Fund
Point 1	Bottom quartile AUM (₹1,402 Cr).	Bottom quartile AUM (₹588 Cr).	Highest AUM (₹14,160 Cr).	Upper mid AUM (₹7,662 Cr).	Lower mid AUM (₹2,086 Cr).
Point 2	Established history (11+ yrs).	Oldest track record among peers (21 yrs).	Established history (12+ yrs).	Established history (9+ yrs).	Established history (20+ yrs).
Point 3	Not Rated.	Rating: 4★ (upper mid).	Top rated.	Not Rated.	Rating: 4★ (lower mid).
Point 4	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 14.38% (top quartile).	5Y return: 13.57% (lower mid).	5Y return: 11.59% (bottom quartile).	5Y return: 13.93% (upper mid).	5Y return: 11.21% (bottom quartile).
Point 6	3Y return: 20.58% (top quartile).	3Y return: 17.28% (upper mid).	3Y return: 17.16% (lower mid).	3Y return: 15.88% (bottom quartile).	3Y return: 14.97% (bottom quartile).
Point 7	1Y return: 22.42% (top quartile).	1Y return: 19.34% (upper mid).	1Y return: 1.90% (bottom quartile).	1Y return: 11.33% (lower mid).	1Y return: 5.84% (bottom quartile).
Point 8	Alpha: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).	Alpha: 1.30 (upper mid).	Alpha: 9.37 (top quartile).	Alpha: 0.50 (lower mid).
Point 9	Sharpe: 1.22 (upper mid).	Sharpe: 2.86 (top quartile).	Sharpe: 0.13 (bottom quartile).	Sharpe: 0.72 (lower mid).	Sharpe: 0.06 (bottom quartile).
Point 10	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.71 (top quartile).	Information ratio: 0.71 (upper mid).	Information ratio: 0.30 (lower mid).

Aditya Birla Sun Life Manufacturing Equity Fund

Bottom quartile AUM (₹1,402 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: High.
5Y return: 14.38% (top quartile).
3Y return: 20.58% (top quartile).
1Y return: 22.42% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.22 (upper mid).
Information ratio: 0.00 (bottom quartile).

BNP Paribas Multi Cap Fund

Bottom quartile AUM (₹588 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 13.57% (lower mid).
3Y return: 17.28% (upper mid).
1Y return: 19.34% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 2.86 (top quartile).
Information ratio: 0.00 (bottom quartile).

Motilal Oswal Multicap 35 Fund

Highest AUM (₹14,160 Cr).
Established history (12+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 11.59% (bottom quartile).
3Y return: 17.16% (lower mid).
1Y return: 1.90% (bottom quartile).
Alpha: 1.30 (upper mid).
Sharpe: 0.13 (bottom quartile).
Information ratio: 0.71 (top quartile).

Mahindra Badhat Yojana

Upper mid AUM (₹7,662 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 13.93% (upper mid).
3Y return: 15.88% (bottom quartile).
1Y return: 11.33% (lower mid).
Alpha: 9.37 (top quartile).
Sharpe: 0.72 (lower mid).
Information ratio: 0.71 (upper mid).

Bandhan Focused Equity Fund

Lower mid AUM (₹2,086 Cr).
Established history (20+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately High.
5Y return: 11.21% (bottom quartile).
3Y return: 14.97% (bottom quartile).
1Y return: 5.84% (bottom quartile).
Alpha: 0.50 (lower mid).
Sharpe: 0.06 (bottom quartile).
Information ratio: 0.30 (lower 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 (%)	2025 (%)
ICICI Prudential MidCap Fund Growth	₹335.81 ↑ 0.20	₹8,403	100	-0.8	11.6	12.8	20.4	15.8	11.1
BNP Paribas Mid Cap Fund Growth	₹108.696 ↓ -0.24	₹2,658	300	-1.4	9.6	7.9	14.8	13.3	2.5
Aditya Birla Sun Life Midcap Fund Growth	₹829.73 ↓ -0.30	₹6,966	1,000	-0.2	14.2	6.1	13.7	12.5	4.4
TATA Mid Cap Growth Fund Growth	₹449.91 ↓ -1.43	₹6,240	150	-0.8	8.4	4.5	13.4	13.3	5.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 25 Sep 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 (₹8,403 Cr).	Bottom quartile AUM (₹2,658 Cr).	Upper mid AUM (₹6,966 Cr).	Lower mid AUM (₹6,240 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: 15.76% (top quartile).	5Y return: 13.33% (lower mid).	5Y return: 12.45% (bottom quartile).	5Y return: 13.34% (upper mid).
Point 6	3Y return: 20.38% (top quartile).	3Y return: 14.84% (upper mid).	3Y return: 13.71% (lower mid).	3Y return: 13.38% (bottom quartile).
Point 7	1Y return: 12.79% (top quartile).	1Y return: 7.94% (upper mid).	1Y return: 6.14% (lower mid).	1Y return: 4.49% (bottom quartile).
Point 8	Alpha: 6.99 (top quartile).	Alpha: 2.09 (upper mid).	Alpha: -0.53 (lower mid).	Alpha: -1.08 (bottom quartile).
Point 9	Sharpe: 0.84 (top quartile).	Sharpe: 0.62 (upper mid).	Sharpe: 0.46 (lower mid).	Sharpe: 0.43 (bottom quartile).
Point 10	Information ratio: 1.17 (top quartile).	Information ratio: -0.14 (upper mid).	Information ratio: -0.35 (lower mid).	Information ratio: -0.64 (bottom quartile).

ICICI Prudential MidCap Fund

Highest AUM (₹8,403 Cr).
Established history (21+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 15.76% (top quartile).
3Y return: 20.38% (top quartile).
1Y return: 12.79% (top quartile).
Alpha: 6.99 (top quartile).
Sharpe: 0.84 (top quartile).
Information ratio: 1.17 (top quartile).

BNP Paribas Mid Cap Fund

Bottom quartile AUM (₹2,658 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: High.
5Y return: 13.33% (lower mid).
3Y return: 14.84% (upper mid).
1Y return: 7.94% (upper mid).
Alpha: 2.09 (upper mid).
Sharpe: 0.62 (upper mid).
Information ratio: -0.14 (upper mid).

Aditya Birla Sun Life Midcap Fund

Upper mid AUM (₹6,966 Cr).
Established history (23+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 12.45% (bottom quartile).
3Y return: 13.71% (lower mid).
1Y return: 6.14% (lower mid).
Alpha: -0.53 (lower mid).
Sharpe: 0.46 (lower mid).
Information ratio: -0.35 (lower mid).

TATA Mid Cap Growth Fund

Lower mid AUM (₹6,240 Cr).
Oldest track record among peers (32 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 13.34% (upper mid).
3Y return: 13.38% (bottom quartile).
1Y return: 4.49% (bottom quartile).
Alpha: -1.08 (bottom quartile).
Sharpe: 0.43 (bottom quartile).
Information ratio: -0.64 (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 (%)	2025 (%)
IDBI Small Cap Fund Growth	₹35.3486 ↑ 0.02	₹832	500	6.1	30.9	15.3	17.8	16.4	-13.4
DSP Small Cap Fund Growth	₹231.409 ↑ 0.64	₹21,659	500	6.9	26.6	17.6	17.2	17	-2.8
Sundaram Small Cap Fund Growth	₹294.694 ↑ 0.10	₹4,155	100	3.4	25.4	13.3	15.9	15.1	0.4
Aditya Birla Sun Life Small Cap Fund Growth	₹100.146 ↑ 0.10	₹6,226	1,000	6.2	26	18	15	12.8	-3.7
Nippon India Small Cap Fund Growth	₹184.023 ↑ 0.26	₹82,580	100	2.4	20.2	8.8	14.9	17.7	-4.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 25 Sep 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	IDBI Small Cap Fund	DSP Small Cap Fund	Sundaram Small Cap Fund	Aditya Birla Sun Life Small Cap Fund	Nippon India Small Cap Fund
Point 1	Bottom quartile AUM (₹832 Cr).	Upper mid AUM (₹21,659 Cr).	Bottom quartile AUM (₹4,155 Cr).	Lower mid AUM (₹6,226 Cr).	Highest AUM (₹82,580 Cr).
Point 2	Established history (9+ yrs).	Established history (19+ yrs).	Oldest track record among peers (21 yrs).	Established history (19+ yrs).	Established history (16+ yrs).
Point 3	Not Rated.	Rating: 4★ (upper mid).	Rating: 3★ (bottom quartile).	Top rated.	Rating: 4★ (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: 16.38% (lower mid).	5Y return: 17.04% (upper mid).	5Y return: 15.07% (bottom quartile).	5Y return: 12.78% (bottom quartile).	5Y return: 17.71% (top quartile).
Point 6	3Y return: 17.83% (top quartile).	3Y return: 17.18% (upper mid).	3Y return: 15.92% (lower mid).	3Y return: 15.01% (bottom quartile).	3Y return: 14.85% (bottom quartile).
Point 7	1Y return: 15.26% (lower mid).	1Y return: 17.64% (upper mid).	1Y return: 13.26% (bottom quartile).	1Y return: 17.98% (top quartile).	1Y return: 8.82% (bottom quartile).
Point 8	Alpha: 8.28 (upper mid).	Alpha: 9.89 (top quartile).	Alpha: 6.87 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 1.64 (bottom quartile).
Point 9	Sharpe: 0.70 (lower mid).	Sharpe: 0.71 (upper mid).	Sharpe: 0.65 (bottom quartile).	Sharpe: 0.84 (top quartile).	Sharpe: 0.44 (bottom quartile).
Point 10	Information ratio: 0.29 (upper mid).	Information ratio: 0.47 (top quartile).	Information ratio: 0.12 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: -0.15 (bottom quartile).

IDBI Small Cap Fund

Bottom quartile AUM (₹832 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 16.38% (lower mid).
3Y return: 17.83% (top quartile).
1Y return: 15.26% (lower mid).
Alpha: 8.28 (upper mid).
Sharpe: 0.70 (lower mid).
Information ratio: 0.29 (upper mid).

DSP Small Cap Fund

Upper mid AUM (₹21,659 Cr).
Established history (19+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.04% (upper mid).
3Y return: 17.18% (upper mid).
1Y return: 17.64% (upper mid).
Alpha: 9.89 (top quartile).
Sharpe: 0.71 (upper mid).
Information ratio: 0.47 (top quartile).

Sundaram Small Cap Fund

Bottom quartile AUM (₹4,155 Cr).
Oldest track record among peers (21 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.07% (bottom quartile).
3Y return: 15.92% (lower mid).
1Y return: 13.26% (bottom quartile).
Alpha: 6.87 (lower mid).
Sharpe: 0.65 (bottom quartile).
Information ratio: 0.12 (lower mid).

Aditya Birla Sun Life Small Cap Fund

Lower mid AUM (₹6,226 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 12.78% (bottom quartile).
3Y return: 15.01% (bottom quartile).
1Y return: 17.98% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.84 (top quartile).
Information ratio: 0.00 (bottom quartile).

Nippon India Small Cap Fund

Highest AUM (₹82,580 Cr).
Established history (16+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately High.
5Y return: 17.71% (top quartile).
3Y return: 14.85% (bottom quartile).
1Y return: 8.82% (bottom quartile).
Alpha: 1.64 (bottom quartile).
Sharpe: 0.44 (bottom quartile).
Information ratio: -0.15 (bottom quartile).

Best ELSS (Tax Saving Mutual Funds) for SIP

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2025 (%)
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
Motilal Oswal Long Term Equity Fund Growth	₹56.356 ↓ -0.31	₹5,134	500	2.4	18.2	7.4	20	15.5	-9.1
Baroda Pioneer ELSS 96 Growth	₹68.6676 ↑ 0.33	₹210	500	-6.1	-3.5	17.6	16.7	11.6
JM Tax Gain Fund Growth	₹52.163 ↑ 0.15	₹242	500	4.5	18.7	7.3	15.2	12.5	2.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jul 23

Research Highlights & Commentary of 5 Funds showcased

Commentary	IDBI Equity Advantage Fund	HDFC Long Term Advantage Fund	Motilal Oswal Long Term Equity Fund	Baroda Pioneer ELSS 96	JM Tax Gain Fund
Point 1	Lower mid AUM (₹485 Cr).	Upper mid AUM (₹1,318 Cr).	Highest AUM (₹5,134 Cr).	Bottom quartile AUM (₹210 Cr).	Bottom quartile AUM (₹242 Cr).
Point 2	Established history (13+ yrs).	Oldest track record among peers (25 yrs).	Established history (11+ yrs).	Established history (11+ yrs).	Established history (18+ yrs).
Point 3	Top rated.	Rating: 3★ (upper mid).	Not Rated.	Not Rated.	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: 9.97% (bottom quartile).	5Y return: 17.39% (top quartile).	5Y return: 15.54% (upper mid).	5Y return: 11.62% (bottom quartile).	5Y return: 12.45% (lower mid).
Point 6	3Y return: 20.84% (top quartile).	3Y return: 20.64% (upper mid).	3Y return: 20.03% (lower mid).	3Y return: 16.70% (bottom quartile).	3Y return: 15.18% (bottom quartile).
Point 7	1Y return: 16.92% (lower mid).	1Y return: 35.51% (top quartile).	1Y return: 7.38% (bottom quartile).	1Y return: 17.56% (upper mid).	1Y return: 7.31% (bottom quartile).
Point 8	Alpha: 1.78 (bottom quartile).	Alpha: 1.75 (bottom quartile).	Alpha: 11.90 (top quartile).	Alpha: 5.69 (upper mid).	Alpha: 5.40 (lower mid).
Point 9	Sharpe: 1.21 (lower mid).	Sharpe: 2.27 (upper mid).	Sharpe: 0.62 (bottom quartile).	Sharpe: 2.51 (top quartile).	Sharpe: 0.22 (bottom quartile).
Point 10	Information ratio: -1.13 (bottom quartile).	Information ratio: -0.15 (bottom quartile).	Information ratio: 0.76 (top quartile).	Information ratio: -0.09 (lower mid).	Information ratio: 0.70 (upper mid).

IDBI Equity Advantage Fund

Lower mid AUM (₹485 Cr).
Established history (13+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 9.97% (bottom quartile).
3Y return: 20.84% (top quartile).
1Y return: 16.92% (lower mid).
Alpha: 1.78 (bottom quartile).
Sharpe: 1.21 (lower mid).
Information ratio: -1.13 (bottom quartile).

HDFC Long Term Advantage Fund

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

Motilal Oswal Long Term Equity Fund

Highest AUM (₹5,134 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 15.54% (upper mid).
3Y return: 20.03% (lower mid).
1Y return: 7.38% (bottom quartile).
Alpha: 11.90 (top quartile).
Sharpe: 0.62 (bottom quartile).
Information ratio: 0.76 (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 (upper mid).
Sharpe: 2.51 (top quartile).
Information ratio: -0.09 (lower mid).

JM Tax Gain Fund

Bottom quartile AUM (₹242 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 12.45% (lower mid).
3Y return: 15.18% (bottom quartile).
1Y return: 7.31% (bottom quartile).
Alpha: 5.40 (lower mid).
Sharpe: 0.22 (bottom quartile).
Information ratio: 0.70 (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 (%)	2025 (%)
SBI Healthcare Opportunities Fund Growth	₹521.675 ↓ -1.43	₹5,796	500	7.8	23.2	21.9	23.7	17.4	-3.5
UTI Healthcare Fund Growth	₹342.695 ↓ -1.62	₹1,444	500	6.8	23.5	17.9	23.7	15	-3.1
BOI AXA Manufacturing and Infrastructure Fund Growth	₹66.98 ↑ 0.28	₹949	1,000	2.8	18	17.1	21	19.3	7.8
DSP Natural Resources and New Energy Fund Growth	₹107.353 ↓ -1.12	₹2,574	500	0.4	4.3	15.5	18.6	15.5	17.5
SBI Magnum Global Fund Growth	₹408.727 ↑ 1.53	₹6,718	500	4.6	20.4	15.4	7	7.6	-5.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 25 Sep 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	SBI Healthcare Opportunities Fund	UTI Healthcare Fund	BOI AXA Manufacturing and Infrastructure Fund	DSP Natural Resources and New Energy Fund	SBI Magnum Global Fund
Point 1	Upper mid AUM (₹5,796 Cr).	Bottom quartile AUM (₹1,444 Cr).	Bottom quartile AUM (₹949 Cr).	Lower mid AUM (₹2,574 Cr).	Highest AUM (₹6,718 Cr).
Point 2	Established history (21+ yrs).	Oldest track record among peers (27 yrs).	Established history (16+ yrs).	Established history (18+ yrs).	Established history (21+ yrs).
Point 3	Rating: 2★ (upper mid).	Rating: 1★ (bottom quartile).	Not Rated.	Top rated.	Rating: 2★ (lower mid).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.
Point 5	5Y return: 17.41% (upper mid).	5Y return: 14.96% (bottom quartile).	5Y return: 19.28% (top quartile).	5Y return: 15.50% (lower mid).	5Y return: 7.57% (bottom quartile).
Point 6	3Y return: 23.66% (upper mid).	3Y return: 23.74% (top quartile).	3Y return: 20.98% (lower mid).	3Y return: 18.60% (bottom quartile).	3Y return: 7.04% (bottom quartile).
Point 7	1Y return: 21.91% (top quartile).	1Y return: 17.88% (upper mid).	1Y return: 17.10% (lower mid).	1Y return: 15.53% (bottom quartile).	1Y return: 15.40% (bottom quartile).
Point 8	Alpha: 4.67 (upper mid).	Alpha: 1.26 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).	Alpha: 6.24 (top quartile).
Point 9	Sharpe: 1.17 (upper mid).	Sharpe: 0.94 (lower mid).	Sharpe: 0.91 (bottom quartile).	Sharpe: 1.21 (top quartile).	Sharpe: 0.78 (bottom quartile).
Point 10	Information ratio: 0.08 (upper mid).	Information ratio: 0.18 (top quartile).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: -0.80 (bottom quartile).

SBI Healthcare Opportunities Fund

Upper mid AUM (₹5,796 Cr).
Established history (21+ yrs).
Rating: 2★ (upper mid).
Risk profile: High.
5Y return: 17.41% (upper mid).
3Y return: 23.66% (upper mid).
1Y return: 21.91% (top quartile).
Alpha: 4.67 (upper mid).
Sharpe: 1.17 (upper mid).
Information ratio: 0.08 (upper mid).

UTI Healthcare Fund

Bottom quartile AUM (₹1,444 Cr).
Oldest track record among peers (27 yrs).
Rating: 1★ (bottom quartile).
Risk profile: High.
5Y return: 14.96% (bottom quartile).
3Y return: 23.74% (top quartile).
1Y return: 17.88% (upper mid).
Alpha: 1.26 (lower mid).
Sharpe: 0.94 (lower mid).
Information ratio: 0.18 (top quartile).

BOI AXA Manufacturing and Infrastructure Fund

Bottom quartile AUM (₹949 Cr).
Established history (16+ yrs).
Not Rated.
Risk profile: High.
5Y return: 19.28% (top quartile).
3Y return: 20.98% (lower mid).
1Y return: 17.10% (lower mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.91 (bottom quartile).
Information ratio: 0.00 (lower mid).

DSP Natural Resources and New Energy Fund

Lower mid AUM (₹2,574 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 15.50% (lower mid).
3Y return: 18.60% (bottom quartile).
1Y return: 15.53% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.21 (top quartile).
Information ratio: 0.00 (bottom quartile).

SBI Magnum Global Fund

Highest AUM (₹6,718 Cr).
Established history (21+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 7.57% (bottom quartile).
3Y return: 7.04% (bottom quartile).
1Y return: 15.40% (bottom quartile).
Alpha: 6.24 (top quartile).
Sharpe: 0.78 (bottom quartile).
Information ratio: -0.80 (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 (%)	2025 (%)
Sundaram Select Focus Fund Growth	₹264.968 ↓ -1.18	₹1,354	100	-5	8.5	24.5	17	17.3
ICICI Prudential Focused Equity Fund Growth	₹92.13 ↑ 0.10	₹17,949	100	-1.5	6	-1	15.5	13.2	15.4
SBI Focused Equity Fund Growth	₹390.163 ↓ -6.43	₹51,248	500	1.3	13.4	8.5	14.2	10.1	15.7
HDFC Focused 30 Fund Growth	₹228.253 ↑ 0.73	₹28,201	300	-1	5	-2.7	14	16.4	10.9
Motilal Oswal Focused 25 Fund Growth	₹53.5468 ↓ -0.08	₹1,827	500	9.9	29.4	25.1	13.9	9.3	-1.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Dec 21

Research Highlights & Commentary of 5 Funds showcased

Commentary	Sundaram Select Focus Fund	ICICI Prudential Focused Equity Fund	SBI Focused Equity Fund	HDFC Focused 30 Fund	Motilal Oswal Focused 25 Fund
Point 1	Bottom quartile AUM (₹1,354 Cr).	Lower mid AUM (₹17,949 Cr).	Highest AUM (₹51,248 Cr).	Upper mid AUM (₹28,201 Cr).	Bottom quartile AUM (₹1,827 Cr).
Point 2	Oldest track record among peers (24 yrs).	Established history (17+ yrs).	Established history (21+ yrs).	Established history (22+ yrs).	Established history (13+ yrs).
Point 3	Top rated.	Rating: 2★ (bottom quartile).	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: 17.29% (top quartile).	5Y return: 13.21% (lower mid).	5Y return: 10.07% (bottom quartile).	5Y return: 16.39% (upper mid).	5Y return: 9.27% (bottom quartile).
Point 6	3Y return: 17.03% (top quartile).	3Y return: 15.45% (upper mid).	3Y return: 14.18% (lower mid).	3Y return: 14.04% (bottom quartile).	3Y return: 13.94% (bottom quartile).
Point 7	1Y return: 24.49% (upper mid).	1Y return: -1.02% (bottom quartile).	1Y return: 8.48% (lower mid).	1Y return: -2.71% (bottom quartile).	1Y return: 25.05% (top quartile).
Point 8	Alpha: -5.62 (bottom quartile).	Alpha: 0.82 (lower mid).	Alpha: 11.09 (upper mid).	Alpha: -1.72 (bottom quartile).	Alpha: 21.70 (top quartile).
Point 9	Sharpe: 1.85 (top quartile).	Sharpe: 0.08 (bottom quartile).	Sharpe: 0.61 (lower mid).	Sharpe: -0.04 (bottom quartile).	Sharpe: 1.22 (upper mid).
Point 10	Information ratio: -0.52 (bottom quartile).	Information ratio: 1.30 (top quartile).	Information ratio: 0.60 (lower mid).	Information ratio: 0.69 (upper mid).	Information ratio: 0.14 (bottom quartile).

Sundaram Select Focus Fund

Bottom quartile AUM (₹1,354 Cr).
Oldest track record among peers (24 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 17.29% (top quartile).
3Y return: 17.03% (top quartile).
1Y return: 24.49% (upper mid).
Alpha: -5.62 (bottom quartile).
Sharpe: 1.85 (top quartile).
Information ratio: -0.52 (bottom quartile).

ICICI Prudential Focused Equity Fund

Lower mid AUM (₹17,949 Cr).
Established history (17+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 13.21% (lower mid).
3Y return: 15.45% (upper mid).
1Y return: -1.02% (bottom quartile).
Alpha: 0.82 (lower mid).
Sharpe: 0.08 (bottom quartile).
Information ratio: 1.30 (top quartile).

SBI Focused Equity Fund

Highest AUM (₹51,248 Cr).
Established history (21+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 10.07% (bottom quartile).
3Y return: 14.18% (lower mid).
1Y return: 8.48% (lower mid).
Alpha: 11.09 (upper mid).
Sharpe: 0.61 (lower mid).
Information ratio: 0.60 (lower mid).

HDFC Focused 30 Fund

Upper mid AUM (₹28,201 Cr).
Established history (22+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 16.39% (upper mid).
3Y return: 14.04% (bottom quartile).
1Y return: -2.71% (bottom quartile).
Alpha: -1.72 (bottom quartile).
Sharpe: -0.04 (bottom quartile).
Information ratio: 0.69 (upper mid).

Motilal Oswal Focused 25 Fund

Bottom quartile AUM (₹1,827 Cr).
Established history (13+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 9.27% (bottom quartile).
3Y return: 13.94% (bottom quartile).
1Y return: 25.05% (top quartile).
Alpha: 21.70 (top quartile).
Sharpe: 1.22 (upper mid).
Information ratio: 0.14 (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 (%)	2025 (%)
HDFC Capital Builder Value Fund Growth	₹777.84 ↑ 2.50	₹8,266	300	1.2	10.8	5.1	15	12.5	8.6
Aditya Birla Sun Life Pure Value Fund Growth	₹136.572 ↑ 0.63	₹6,925	1,000	2.7	14.7	11.4	13.5	13.1	2.6
Nippon India Value Fund Growth	₹216.51 ↑ 0.69	₹9,043	100	-3.5	2.9	-4.2	12.7	12.1	4.2
Tata Equity PE Fund Growth	₹345.375 ↑ 0.66	₹8,656	150	0.3	4.8	0	11.8	11.7	3.7
Tata Equity P/E Fund Regular Plan - Dividend Trigger A (5%) Normal Dividend, Reinvestment	₹128.473 ↑ 0.25	₹8,656	150	0.3	4.8	0	11.8	11.7	3.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 25 Sep 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	HDFC Capital Builder Value Fund	Aditya Birla Sun Life Pure Value Fund	Nippon India Value Fund	Tata Equity PE Fund	Tata Equity P/E Fund Regular Plan - Dividend Trigger A (5%)
Point 1	Bottom quartile AUM (₹8,266 Cr).	Bottom quartile AUM (₹6,925 Cr).	Highest AUM (₹9,043 Cr).	Upper mid AUM (₹8,656 Cr).	Lower mid AUM (₹8,656 Cr).
Point 2	Oldest track record among peers (32 yrs).	Established history (18+ yrs).	Established history (21+ yrs).	Established history (22+ yrs).	Established history (16+ yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Not Rated.	Top rated.	Not Rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 12.46% (upper mid).	5Y return: 13.09% (top quartile).	5Y return: 12.12% (lower mid).	5Y return: 11.74% (bottom quartile).	5Y return: 11.70% (bottom quartile).
Point 6	3Y return: 15.04% (top quartile).	3Y return: 13.50% (upper mid).	3Y return: 12.74% (lower mid).	3Y return: 11.82% (bottom quartile).	3Y return: 11.79% (bottom quartile).
Point 7	1Y return: 5.11% (upper mid).	1Y return: 11.40% (top quartile).	1Y return: -4.23% (bottom quartile).	1Y return: -0.04% (bottom quartile).	1Y return: -0.04% (lower mid).
Point 8	Alpha: 5.61 (upper mid).	Alpha: 11.48 (top quartile).	Alpha: -1.87 (bottom quartile).	Alpha: 1.44 (lower mid).	Alpha: 1.44 (bottom quartile).
Point 9	Sharpe: 0.38 (upper mid).	Sharpe: 0.70 (top quartile).	Sharpe: -0.04 (bottom quartile).	Sharpe: 0.16 (lower mid).	Sharpe: 0.16 (bottom quartile).
Point 10	Information ratio: 1.76 (top quartile).	Information ratio: 0.47 (lower mid).	Information ratio: 0.72 (upper mid).	Information ratio: 0.31 (bottom quartile).	Information ratio: 0.30 (bottom quartile).

HDFC Capital Builder Value Fund

Bottom quartile AUM (₹8,266 Cr).
Oldest track record among peers (32 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 12.46% (upper mid).
3Y return: 15.04% (top quartile).
1Y return: 5.11% (upper mid).
Alpha: 5.61 (upper mid).
Sharpe: 0.38 (upper mid).
Information ratio: 1.76 (top quartile).

Aditya Birla Sun Life Pure Value Fund

Bottom quartile AUM (₹6,925 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 13.09% (top quartile).
3Y return: 13.50% (upper mid).
1Y return: 11.40% (top quartile).
Alpha: 11.48 (top quartile).
Sharpe: 0.70 (top quartile).
Information ratio: 0.47 (lower mid).

Nippon India Value Fund

Highest AUM (₹9,043 Cr).
Established history (21+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 12.12% (lower mid).
3Y return: 12.74% (lower mid).
1Y return: -4.23% (bottom quartile).
Alpha: -1.87 (bottom quartile).
Sharpe: -0.04 (bottom quartile).
Information ratio: 0.72 (upper mid).

Tata Equity PE Fund

Upper mid AUM (₹8,656 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 11.74% (bottom quartile).
3Y return: 11.82% (bottom quartile).
1Y return: -0.04% (bottom quartile).
Alpha: 1.44 (lower mid).
Sharpe: 0.16 (lower mid).
Information ratio: 0.31 (bottom quartile).

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

Lower mid AUM (₹8,656 Cr).
Established history (16+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 11.70% (bottom quartile).
3Y return: 11.79% (bottom quartile).
1Y return: -0.04% (lower mid).
Alpha: 1.44 (bottom quartile).
Sharpe: 0.16 (bottom quartile).
Information ratio: 0.30 (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.