Best Mutual Funds in India for SIP 2025 – 2026

Updated on December 11, 2025 , 24886 views

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

SIP- Optimal Way to Achieve Financial Goals

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

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

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

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

Power of Compounding- Simple interest is when you gain interest on only the principal. In the case of compound interest, the interest amount is added to the principal, and interest is calculated on the new principal (old principal plus gains). This process continues every time. Since SIP in Mutual Funds are in instalments, they are compounded, which adds more to the initially invested sum.
Risk reduction- Given that a SIP is spread over a long period of time, one catches all periods of the stock market, the ups and more importantly the downturns. In downturns, when fear catches most investors, SIP instalments continue ensuring the investors buy “low”.
Convenience of SIPs- Convenience is one of the biggest benefits of a SIP. A user has to sign-up one-time and go through documentation. Once done, thereafter debits for subsequent investments take place automatically and the investor just has to monitor the investments.

Best Mutual Funds in India for SIP 2025 - 2026

Best Large Cap Funds for SIP

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Nippon India Large Cap Fund Growth	₹94.0548 ↑ 0.55	₹48,871	100	2	4.8	5.2	18.4	20.9	18.2
DSP TOP 100 Equity Growth	₹487.989 ↑ 1.66	₹6,934	500	2.7	3.1	5.6	17.6	15.8	20.5
ICICI Prudential Bluechip Fund Growth	₹115.49 ↑ 0.75	₹75,863	100	3.8	5.8	7.3	17.6	18.7	16.9
Bandhan Large Cap Fund Growth	₹80.159 ↑ 0.55	₹2,017	100	3.5	5.9	4.8	16.6	15.8	18.7
Invesco India Largecap Fund Growth	₹70.99 ↑ 0.45	₹1,686	100	0.9	3.4	1.6	16.4	16.6	20
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 12 Dec 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Nippon India Large Cap Fund	DSP TOP 100 Equity	ICICI Prudential Bluechip Fund	Bandhan Large Cap Fund	Invesco India Largecap Fund
Point 1	Upper mid AUM (₹48,871 Cr).	Lower mid AUM (₹6,934 Cr).	Highest AUM (₹75,863 Cr).	Bottom quartile AUM (₹2,017 Cr).	Bottom quartile AUM (₹1,686 Cr).
Point 2	Established history (18+ yrs).	Oldest track record among peers (22 yrs).	Established history (17+ yrs).	Established history (19+ yrs).	Established history (16+ yrs).
Point 3	Top rated.	Rating: 2★ (bottom quartile).	Rating: 4★ (upper mid).	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 20.92% (top quartile).	5Y return: 15.85% (bottom quartile).	5Y return: 18.68% (upper mid).	5Y return: 15.77% (bottom quartile).	5Y return: 16.57% (lower mid).
Point 6	3Y return: 18.44% (top quartile).	3Y return: 17.63% (upper mid).	3Y return: 17.58% (lower mid).	3Y return: 16.64% (bottom quartile).	3Y return: 16.42% (bottom quartile).
Point 7	1Y return: 5.20% (lower mid).	1Y return: 5.63% (upper mid).	1Y return: 7.26% (top quartile).	1Y return: 4.77% (bottom quartile).	1Y return: 1.57% (bottom quartile).
Point 8	Alpha: 0.46 (upper mid).	Alpha: -2.26 (bottom quartile).	Alpha: 0.55 (top quartile).	Alpha: -0.04 (bottom quartile).	Alpha: 0.09 (lower mid).
Point 9	Sharpe: 0.15 (top quartile).	Sharpe: -0.10 (bottom quartile).	Sharpe: 0.12 (upper mid).	Sharpe: 0.11 (lower mid).	Sharpe: 0.08 (bottom quartile).
Point 10	Information ratio: 1.44 (top quartile).	Information ratio: 0.51 (bottom quartile).	Information ratio: 1.23 (upper mid).	Information ratio: 0.53 (bottom quartile).	Information ratio: 0.72 (lower mid).

Nippon India Large Cap Fund

Upper mid AUM (₹48,871 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 20.92% (top quartile).
3Y return: 18.44% (top quartile).
1Y return: 5.20% (lower mid).
Alpha: 0.46 (upper mid).
Sharpe: 0.15 (top quartile).
Information ratio: 1.44 (top quartile).

DSP TOP 100 Equity

Lower mid AUM (₹6,934 Cr).
Oldest track record among peers (22 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.85% (bottom quartile).
3Y return: 17.63% (upper mid).
1Y return: 5.63% (upper mid).
Alpha: -2.26 (bottom quartile).
Sharpe: -0.10 (bottom quartile).
Information ratio: 0.51 (bottom quartile).

ICICI Prudential Bluechip Fund

Highest AUM (₹75,863 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 18.68% (upper mid).
3Y return: 17.58% (lower mid).
1Y return: 7.26% (top quartile).
Alpha: 0.55 (top quartile).
Sharpe: 0.12 (upper mid).
Information ratio: 1.23 (upper mid).

Bandhan Large Cap Fund

Bottom quartile AUM (₹2,017 Cr).
Established history (19+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 15.77% (bottom quartile).
3Y return: 16.64% (bottom quartile).
1Y return: 4.77% (bottom quartile).
Alpha: -0.04 (bottom quartile).
Sharpe: 0.11 (lower mid).
Information ratio: 0.53 (bottom quartile).

Invesco India Largecap Fund

Bottom quartile AUM (₹1,686 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 16.57% (lower mid).
3Y return: 16.42% (bottom quartile).
1Y return: 1.57% (bottom quartile).
Alpha: 0.09 (lower mid).
Sharpe: 0.08 (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 (%)
Nippon India Multi Cap Fund Growth	₹301.585 ↑ 1.94	₹49,314	100	-0.7	1.7	1.1	21.1	25.7	25.8
HDFC Equity Fund Growth	₹2,073.28 ↑ 10.53	₹91,041	300	2.6	6	8.8	20.8	24.2	23.5
Motilal Oswal Multicap 35 Fund Growth	₹61.0731 ↑ 0.65	₹14,319	500	-3	1.7	-5.9	20.7	16.1	45.7
JM Multicap Fund Growth	₹97.0281 ↑ 0.79	₹6,080	500	-1.6	0.4	-9	19.4	20.8	33.3
Mahindra Badhat Yojana Growth	₹35.739 ↑ 0.28	₹6,055	500	1.2	2.3	0.4	18.5	21.8	23.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 12 Dec 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Nippon India Multi Cap Fund	HDFC Equity Fund	Motilal Oswal Multicap 35 Fund	JM Multicap Fund	Mahindra Badhat Yojana
Point 1	Upper mid AUM (₹49,314 Cr).	Highest AUM (₹91,041 Cr).	Lower mid AUM (₹14,319 Cr).	Bottom quartile AUM (₹6,080 Cr).	Bottom quartile AUM (₹6,055 Cr).
Point 2	Established history (20+ yrs).	Oldest track record among peers (30 yrs).	Established history (11+ yrs).	Established history (17+ yrs).	Established history (8+ yrs).
Point 3	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).	Top rated.	Rating: 4★ (upper mid).	Not Rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 25.75% (top quartile).	5Y return: 24.16% (upper mid).	5Y return: 16.09% (bottom quartile).	5Y return: 20.79% (bottom quartile).	5Y return: 21.76% (lower mid).
Point 6	3Y return: 21.11% (top quartile).	3Y return: 20.82% (upper mid).	3Y return: 20.70% (lower mid).	3Y return: 19.45% (bottom quartile).	3Y return: 18.50% (bottom quartile).
Point 7	1Y return: 1.06% (upper mid).	1Y return: 8.82% (top quartile).	1Y return: -5.86% (bottom quartile).	1Y return: -8.98% (bottom quartile).	1Y return: 0.37% (lower mid).
Point 8	Alpha: -0.58 (bottom quartile).	Alpha: 3.93 (top quartile).	Alpha: 0.60 (upper mid).	Alpha: -10.27 (bottom quartile).	Alpha: 0.43 (lower mid).
Point 9	Sharpe: -0.07 (bottom quartile).	Sharpe: 0.39 (top quartile).	Sharpe: 0.05 (upper mid).	Sharpe: -0.64 (bottom quartile).	Sharpe: 0.00 (lower mid).
Point 10	Information ratio: 0.64 (lower mid).	Information ratio: 1.44 (top quartile).	Information ratio: 0.57 (bottom quartile).	Information ratio: 0.89 (upper mid).	Information ratio: 0.13 (bottom quartile).

Nippon India Multi Cap Fund

Upper mid AUM (₹49,314 Cr).
Established history (20+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 25.75% (top quartile).
3Y return: 21.11% (top quartile).
1Y return: 1.06% (upper mid).
Alpha: -0.58 (bottom quartile).
Sharpe: -0.07 (bottom quartile).
Information ratio: 0.64 (lower mid).

HDFC Equity Fund

Highest AUM (₹91,041 Cr).
Oldest track record among peers (30 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 24.16% (upper mid).
3Y return: 20.82% (upper mid).
1Y return: 8.82% (top quartile).
Alpha: 3.93 (top quartile).
Sharpe: 0.39 (top quartile).
Information ratio: 1.44 (top quartile).

Motilal Oswal Multicap 35 Fund

Lower mid AUM (₹14,319 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 16.09% (bottom quartile).
3Y return: 20.70% (lower mid).
1Y return: -5.86% (bottom quartile).
Alpha: 0.60 (upper mid).
Sharpe: 0.05 (upper mid).
Information ratio: 0.57 (bottom quartile).

JM Multicap Fund

Bottom quartile AUM (₹6,080 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 20.79% (bottom quartile).
3Y return: 19.45% (bottom quartile).
1Y return: -8.98% (bottom quartile).
Alpha: -10.27 (bottom quartile).
Sharpe: -0.64 (bottom quartile).
Information ratio: 0.89 (upper mid).

Mahindra Badhat Yojana

Bottom quartile AUM (₹6,055 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 21.76% (lower mid).
3Y return: 18.50% (bottom quartile).
1Y return: 0.37% (lower mid).
Alpha: 0.43 (lower mid).
Sharpe: 0.00 (lower mid).
Information ratio: 0.13 (bottom quartile).

Best Mid Cap Funds for SIP

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Invesco India Mid Cap Fund Growth	₹184.76 ↑ 1.81	₹9,320	500	1.8	6	5.8	26.4	25	43.1
ICICI Prudential MidCap Fund Growth	₹310.26 ↑ 3.45	₹6,964	100	3.7	4.9	4.5	21.5	23.3	27
TATA Mid Cap Growth Fund Growth	₹446.201 ↑ 3.65	₹5,283	150	2.9	5.3	2.2	21.2	21.3	22.7
Aditya Birla Sun Life Midcap Fund Growth	₹798.39 ↑ 7.54	₹6,271	1,000	1.2	1.6	-0.1	19.6	21.2	22
BNP Paribas Mid Cap Fund Growth	₹104.344 ↑ 0.90	₹2,276	300	2.9	4.6	0.5	19.5	21.6	28.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 12 Dec 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Invesco India Mid Cap Fund	ICICI Prudential MidCap Fund	TATA Mid Cap Growth Fund	Aditya Birla Sun Life Midcap Fund	BNP Paribas Mid Cap Fund
Point 1	Highest AUM (₹9,320 Cr).	Upper mid AUM (₹6,964 Cr).	Bottom quartile AUM (₹5,283 Cr).	Lower mid AUM (₹6,271 Cr).	Bottom quartile AUM (₹2,276 Cr).
Point 2	Established history (18+ yrs).	Established history (21+ yrs).	Oldest track record among peers (31 yrs).	Established history (23+ yrs).	Established history (19+ yrs).
Point 3	Rating: 2★ (lower mid).	Rating: 2★ (bottom quartile).	Rating: 2★ (bottom quartile).	Top rated.	Rating: 3★ (upper mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: High.
Point 5	5Y return: 25.04% (top quartile).	5Y return: 23.27% (upper mid).	5Y return: 21.32% (bottom quartile).	5Y return: 21.21% (bottom quartile).	5Y return: 21.59% (lower mid).
Point 6	3Y return: 26.36% (top quartile).	3Y return: 21.50% (upper mid).	3Y return: 21.16% (lower mid).	3Y return: 19.63% (bottom quartile).	3Y return: 19.49% (bottom quartile).
Point 7	1Y return: 5.76% (top quartile).	1Y return: 4.49% (upper mid).	1Y return: 2.21% (lower mid).	1Y return: -0.13% (bottom quartile).	1Y return: 0.54% (bottom quartile).
Point 8	Alpha: 0.00 (upper mid).	Alpha: 2.69 (top quartile).	Alpha: -3.43 (lower mid).	Alpha: -4.40 (bottom quartile).	Alpha: -3.98 (bottom quartile).
Point 9	Sharpe: 0.43 (top quartile).	Sharpe: 0.22 (upper mid).	Sharpe: -0.12 (lower mid).	Sharpe: -0.17 (bottom quartile).	Sharpe: -0.17 (bottom quartile).
Point 10	Information ratio: 0.00 (top quartile).	Information ratio: -0.29 (upper mid).	Information ratio: -0.66 (lower mid).	Information ratio: -0.80 (bottom quartile).	Information ratio: -1.03 (bottom quartile).

Invesco India Mid Cap Fund

Highest AUM (₹9,320 Cr).
Established history (18+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 25.04% (top quartile).
3Y return: 26.36% (top quartile).
1Y return: 5.76% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.43 (top quartile).
Information ratio: 0.00 (top quartile).

ICICI Prudential MidCap Fund

Upper mid AUM (₹6,964 Cr).
Established history (21+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 23.27% (upper mid).
3Y return: 21.50% (upper mid).
1Y return: 4.49% (upper mid).
Alpha: 2.69 (top quartile).
Sharpe: 0.22 (upper mid).
Information ratio: -0.29 (upper mid).

TATA Mid Cap Growth Fund

Bottom quartile AUM (₹5,283 Cr).
Oldest track record among peers (31 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 21.32% (bottom quartile).
3Y return: 21.16% (lower mid).
1Y return: 2.21% (lower mid).
Alpha: -3.43 (lower mid).
Sharpe: -0.12 (lower mid).
Information ratio: -0.66 (lower mid).

Aditya Birla Sun Life Midcap Fund

Lower mid AUM (₹6,271 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 21.21% (bottom quartile).
3Y return: 19.63% (bottom quartile).
1Y return: -0.13% (bottom quartile).
Alpha: -4.40 (bottom quartile).
Sharpe: -0.17 (bottom quartile).
Information ratio: -0.80 (bottom quartile).

BNP Paribas Mid Cap Fund

Bottom quartile AUM (₹2,276 Cr).
Established history (19+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 21.59% (lower mid).
3Y return: 19.49% (bottom quartile).
1Y return: 0.54% (bottom quartile).
Alpha: -3.98 (bottom quartile).
Sharpe: -0.17 (bottom quartile).
Information ratio: -1.03 (bottom quartile).

Best Small Cap Funds for SIP

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Nippon India Small Cap Fund Growth	₹165.332 ↑ 1.11	₹68,969	100	-2.8	-1.9	-8.8	20.1	27.9	26.1
Sundaram Small Cap Fund Growth	₹258.375 ↑ 1.09	₹3,496	100	-0.9	0.4	-3.8	19.5	23	19.1
HDFC Small Cap Fund Growth	₹137.967 ↑ 0.49	₹38,412	300	-3.6	0.3	-5	19.4	25.4	20.4
DSP Small Cap Fund Growth	₹194.211 ↑ 0.93	₹16,868	500	-1.7	-1.6	-5.7	19.1	22.7	25.6
Franklin India Smaller Companies Fund Growth	₹164.199 ↑ 1.17	₹13,790	500	-3.5	-5.4	-11.2	18.6	23.7	23.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 12 Dec 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Nippon India Small Cap Fund	Sundaram Small Cap Fund	HDFC Small Cap Fund	DSP Small Cap Fund	Franklin India Smaller Companies Fund
Point 1	Highest AUM (₹68,969 Cr).	Bottom quartile AUM (₹3,496 Cr).	Upper mid AUM (₹38,412 Cr).	Lower mid AUM (₹16,868 Cr).	Bottom quartile AUM (₹13,790 Cr).
Point 2	Established history (15+ yrs).	Oldest track record among peers (20 yrs).	Established history (17+ yrs).	Established history (18+ yrs).	Established history (19+ yrs).
Point 3	Top rated.	Rating: 3★ (bottom quartile).	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).	Rating: 4★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 27.93% (top quartile).	5Y return: 22.97% (bottom quartile).	5Y return: 25.38% (upper mid).	5Y return: 22.65% (bottom quartile).	5Y return: 23.66% (lower mid).
Point 6	3Y return: 20.11% (top quartile).	3Y return: 19.47% (upper mid).	3Y return: 19.40% (lower mid).	3Y return: 19.13% (bottom quartile).	3Y return: 18.60% (bottom quartile).
Point 7	1Y return: -8.81% (bottom quartile).	1Y return: -3.78% (top quartile).	1Y return: -5.05% (upper mid).	1Y return: -5.73% (lower mid).	1Y return: -11.24% (bottom quartile).
Point 8	Alpha: -2.66 (bottom quartile).	Alpha: 2.09 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: -3.92 (bottom quartile).
Point 9	Sharpe: -0.35 (bottom quartile).	Sharpe: -0.12 (upper mid).	Sharpe: -0.07 (top quartile).	Sharpe: -0.17 (lower mid).	Sharpe: -0.40 (bottom quartile).
Point 10	Information ratio: -0.11 (lower mid).	Information ratio: -0.43 (bottom quartile).	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: -0.26 (bottom quartile).

Nippon India Small Cap Fund

Highest AUM (₹68,969 Cr).
Established history (15+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 27.93% (top quartile).
3Y return: 20.11% (top quartile).
1Y return: -8.81% (bottom quartile).
Alpha: -2.66 (bottom quartile).
Sharpe: -0.35 (bottom quartile).
Information ratio: -0.11 (lower mid).

Sundaram Small Cap Fund

Bottom quartile AUM (₹3,496 Cr).
Oldest track record among peers (20 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 22.97% (bottom quartile).
3Y return: 19.47% (upper mid).
1Y return: -3.78% (top quartile).
Alpha: 2.09 (top quartile).
Sharpe: -0.12 (upper mid).
Information ratio: -0.43 (bottom quartile).

HDFC Small Cap Fund

Upper mid AUM (₹38,412 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 25.38% (upper mid).
3Y return: 19.40% (lower mid).
1Y return: -5.05% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.07 (top quartile).
Information ratio: 0.00 (top quartile).

DSP Small Cap Fund

Lower mid AUM (₹16,868 Cr).
Established history (18+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately High.
5Y return: 22.65% (bottom quartile).
3Y return: 19.13% (bottom quartile).
1Y return: -5.73% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: -0.17 (lower mid).
Information ratio: 0.00 (upper mid).

Franklin India Smaller Companies Fund

Bottom quartile AUM (₹13,790 Cr).
Established history (19+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 23.66% (lower mid).
3Y return: 18.60% (bottom quartile).
1Y return: -11.24% (bottom quartile).
Alpha: -3.92 (bottom quartile).
Sharpe: -0.40 (bottom quartile).
Information ratio: -0.26 (bottom quartile).

Best ELSS (Tax Saving Mutual Funds) for SIP

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
SBI Magnum Tax Gain Fund Growth	₹449.182 ↑ 3.07	₹31,783	500	2.6	3.1	2	22.5	22.3	27.7
Motilal Oswal Long Term Equity Fund Growth	₹50.0255 ↑ 0.48	₹4,515	500	-4.2	-2.8	-11.5	21.1	20.7	47.7
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	₹1,459.84 ↑ 7.83	₹17,194	500	2.1	4.7	7.2	20.4	22.5	21.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 12 Dec 25

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 (₹31,783 Cr).	Lower mid AUM (₹4,515 Cr).	Bottom quartile AUM (₹485 Cr).	Bottom quartile AUM (₹1,318 Cr).	Upper mid AUM (₹17,194 Cr).
Point 2	Established history (18+ yrs).	Established history (10+ yrs).	Established history (12+ yrs).	Established history (24+ 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: 22.30% (upper mid).	5Y return: 20.65% (lower mid).	5Y return: 9.97% (bottom quartile).	5Y return: 17.39% (bottom quartile).	5Y return: 22.52% (top quartile).
Point 6	3Y return: 22.46% (top quartile).	3Y return: 21.12% (upper mid).	3Y return: 20.84% (lower mid).	3Y return: 20.64% (bottom quartile).	3Y return: 20.37% (bottom quartile).
Point 7	1Y return: 2.03% (bottom quartile).	1Y return: -11.52% (bottom quartile).	1Y return: 16.92% (upper mid).	1Y return: 35.51% (top quartile).	1Y return: 7.25% (lower mid).
Point 8	Alpha: -2.21 (bottom quartile).	Alpha: -2.71 (bottom quartile).	Alpha: 1.78 (upper mid).	Alpha: 1.75 (lower mid).	Alpha: 2.58 (top quartile).
Point 9	Sharpe: -0.18 (bottom quartile).	Sharpe: -0.08 (bottom quartile).	Sharpe: 1.21 (upper mid).	Sharpe: 2.27 (top quartile).	Sharpe: 0.25 (lower mid).
Point 10	Information ratio: 1.86 (top quartile).	Information ratio: 0.75 (lower mid).	Information ratio: -1.13 (bottom quartile).	Information ratio: -0.15 (bottom quartile).	Information ratio: 1.38 (upper mid).

SBI Magnum Tax Gain Fund

Highest AUM (₹31,783 Cr).
Established history (18+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 22.30% (upper mid).
3Y return: 22.46% (top quartile).
1Y return: 2.03% (bottom quartile).
Alpha: -2.21 (bottom quartile).
Sharpe: -0.18 (bottom quartile).
Information ratio: 1.86 (top quartile).

Motilal Oswal Long Term Equity Fund

Lower mid AUM (₹4,515 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 20.65% (lower mid).
3Y return: 21.12% (upper mid).
1Y return: -11.52% (bottom quartile).
Alpha: -2.71 (bottom quartile).
Sharpe: -0.08 (bottom quartile).
Information ratio: 0.75 (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 (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 (lower mid).
Sharpe: 2.27 (top quartile).
Information ratio: -0.15 (bottom quartile).

HDFC Tax Saver Fund

Upper mid AUM (₹17,194 Cr).
Oldest track record among peers (29 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 22.52% (top quartile).
3Y return: 20.37% (bottom quartile).
1Y return: 7.25% (lower mid).
Alpha: 2.58 (top quartile).
Sharpe: 0.25 (lower mid).
Information ratio: 1.38 (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 (%)
UTI Transportation & Logistics Fund Growth	₹294.196 ↑ 1.52	₹4,008	500	0.8	14.9	15.3	24.7	23.1	18.7
SBI Banking & Financial Services Fund Growth	₹45.6727 ↑ 0.28	₹9,273	500	7.5	8.7	14.8	19	17.4	19.6
TATA Banking and Financial Services Fund Growth	₹45.0911 ↑ 0.27	₹3,125	150	6.4	4.6	12.7	15.9	16.1	9
Nippon India Banking Fund Growth	₹662.358 ↑ 3.01	₹7,543	100	6.9	4.8	12.7	17	20.6	10.3
ICICI Prudential Banking and Financial Services Fund Growth	₹139.32 ↑ 0.56	₹10,593	100	4.8	4.5	12	14.7	16.6	11.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 12 Dec 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	UTI Transportation & Logistics Fund	SBI Banking & Financial Services Fund	TATA Banking and Financial Services Fund	Nippon India Banking Fund	ICICI Prudential Banking and Financial Services Fund
Point 1	Bottom quartile AUM (₹4,008 Cr).	Upper mid AUM (₹9,273 Cr).	Bottom quartile AUM (₹3,125 Cr).	Lower mid AUM (₹7,543 Cr).	Highest AUM (₹10,593 Cr).
Point 2	Established history (21+ yrs).	Established history (10+ yrs).	Established history (9+ yrs).	Oldest track record among peers (22 yrs).	Established history (17+ yrs).
Point 3	Rating: 3★ (upper mid).	Not Rated.	Not Rated.	Rating: 3★ (lower mid).	Top rated.
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 23.12% (top quartile).	5Y return: 17.43% (lower mid).	5Y return: 16.10% (bottom quartile).	5Y return: 20.65% (upper mid).	5Y return: 16.62% (bottom quartile).
Point 6	3Y return: 24.68% (top quartile).	3Y return: 19.01% (upper mid).	3Y return: 15.89% (bottom quartile).	3Y return: 16.99% (lower mid).	3Y return: 14.71% (bottom quartile).
Point 7	1Y return: 15.29% (top quartile).	1Y return: 14.80% (upper mid).	1Y return: 12.68% (lower mid).	1Y return: 12.67% (bottom quartile).	1Y return: 11.98% (bottom quartile).
Point 8	Alpha: 0.00 (upper mid).	Alpha: 0.79 (top quartile).	Alpha: -2.40 (bottom quartile).	Alpha: -2.56 (bottom quartile).	Alpha: -2.18 (lower mid).
Point 9	Sharpe: 0.60 (upper mid).	Sharpe: 0.70 (top quartile).	Sharpe: 0.47 (lower mid).	Sharpe: 0.45 (bottom quartile).	Sharpe: 0.44 (bottom quartile).
Point 10	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.74 (top quartile).	Information ratio: 0.47 (lower mid).	Information ratio: 0.64 (upper mid).	Information ratio: 0.26 (bottom quartile).

UTI Transportation & Logistics Fund

Bottom quartile AUM (₹4,008 Cr).
Established history (21+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 23.12% (top quartile).
3Y return: 24.68% (top quartile).
1Y return: 15.29% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.60 (upper mid).
Information ratio: 0.00 (bottom quartile).

SBI Banking & Financial Services Fund

Upper mid AUM (₹9,273 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: High.
5Y return: 17.43% (lower mid).
3Y return: 19.01% (upper mid).
1Y return: 14.80% (upper mid).
Alpha: 0.79 (top quartile).
Sharpe: 0.70 (top quartile).
Information ratio: 0.74 (top quartile).

TATA Banking and Financial Services Fund

Bottom quartile AUM (₹3,125 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: High.
5Y return: 16.10% (bottom quartile).
3Y return: 15.89% (bottom quartile).
1Y return: 12.68% (lower mid).
Alpha: -2.40 (bottom quartile).
Sharpe: 0.47 (lower mid).
Information ratio: 0.47 (lower mid).

Nippon India Banking Fund

Lower mid AUM (₹7,543 Cr).
Oldest track record among peers (22 yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 20.65% (upper mid).
3Y return: 16.99% (lower mid).
1Y return: 12.67% (bottom quartile).
Alpha: -2.56 (bottom quartile).
Sharpe: 0.45 (bottom quartile).
Information ratio: 0.64 (upper mid).

ICICI Prudential Banking and Financial Services Fund

Highest AUM (₹10,593 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: High.
5Y return: 16.62% (bottom quartile).
3Y return: 14.71% (bottom quartile).
1Y return: 11.98% (bottom quartile).
Alpha: -2.18 (lower mid).
Sharpe: 0.44 (bottom quartile).
Information ratio: 0.26 (bottom quartile).

Best Focused Funds for SIP

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
ICICI Prudential Focused Equity Fund Growth	₹97.58 ↑ 0.76	₹13,471	100	4.2	7.7	11.3	22.4	22.4	26.5
HDFC Focused 30 Fund Growth	₹238.45 ↑ 1.03	₹25,140	300	1.8	5.5	8.6	20.4	25.1	24
DSP Focus Fund Growth	₹56.47 ↑ 0.54	₹2,638	500	3.6	3.9	3.3	18.6	16	18.5
SBI Focused Equity Fund Growth	₹378.217 ↑ 1.21	₹40,824	500	6	8	11.4	17.3	17.1	17.2
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 12 Dec 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Focused Equity Fund	HDFC Focused 30 Fund	DSP Focus Fund	SBI Focused Equity Fund	Sundaram Select Focus Fund
Point 1	Lower mid AUM (₹13,471 Cr).	Upper mid AUM (₹25,140 Cr).	Bottom quartile AUM (₹2,638 Cr).	Highest AUM (₹40,824 Cr).	Bottom quartile AUM (₹1,354 Cr).
Point 2	Established history (16+ yrs).	Established history (21+ yrs).	Established history (15+ yrs).	Established history (21+ yrs).	Oldest track record among peers (23 yrs).
Point 3	Rating: 2★ (bottom quartile).	Top rated.	Rating: 3★ (upper mid).	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 22.41% (upper mid).	5Y return: 25.15% (top quartile).	5Y return: 15.96% (bottom quartile).	5Y return: 17.10% (bottom quartile).	5Y return: 17.29% (lower mid).
Point 6	3Y return: 22.42% (top quartile).	3Y return: 20.39% (upper mid).	3Y return: 18.61% (lower mid).	3Y return: 17.32% (bottom quartile).	3Y return: 17.03% (bottom quartile).
Point 7	1Y return: 11.28% (lower mid).	1Y return: 8.59% (bottom quartile).	1Y return: 3.27% (bottom quartile).	1Y return: 11.38% (upper mid).	1Y return: 24.49% (top quartile).
Point 8	Alpha: 3.93 (upper mid).	Alpha: 3.49 (lower mid).	Alpha: -2.15 (bottom quartile).	Alpha: 5.61 (top quartile).	Alpha: -5.62 (bottom quartile).
Point 9	Sharpe: 0.29 (bottom quartile).	Sharpe: 0.38 (lower mid).	Sharpe: -0.15 (bottom quartile).	Sharpe: 0.47 (upper mid).	Sharpe: 1.85 (top quartile).
Point 10	Information ratio: 1.47 (top quartile).	Information ratio: 1.14 (upper mid).	Information ratio: 0.09 (lower mid).	Information ratio: 0.01 (bottom quartile).	Information ratio: -0.52 (bottom quartile).

ICICI Prudential Focused Equity Fund

Lower mid AUM (₹13,471 Cr).
Established history (16+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 22.41% (upper mid).
3Y return: 22.42% (top quartile).
1Y return: 11.28% (lower mid).
Alpha: 3.93 (upper mid).
Sharpe: 0.29 (bottom quartile).
Information ratio: 1.47 (top quartile).

HDFC Focused 30 Fund

Upper mid AUM (₹25,140 Cr).
Established history (21+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 25.15% (top quartile).
3Y return: 20.39% (upper mid).
1Y return: 8.59% (bottom quartile).
Alpha: 3.49 (lower mid).
Sharpe: 0.38 (lower mid).
Information ratio: 1.14 (upper mid).

DSP Focus Fund

Bottom quartile AUM (₹2,638 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 15.96% (bottom quartile).
3Y return: 18.61% (lower mid).
1Y return: 3.27% (bottom quartile).
Alpha: -2.15 (bottom quartile).
Sharpe: -0.15 (bottom quartile).
Information ratio: 0.09 (lower mid).

SBI Focused Equity Fund

Highest AUM (₹40,824 Cr).
Established history (21+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 17.10% (bottom quartile).
3Y return: 17.32% (bottom quartile).
1Y return: 11.38% (upper mid).
Alpha: 5.61 (top quartile).
Sharpe: 0.47 (upper mid).
Information ratio: 0.01 (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 (%)
ICICI Prudential Value Discovery Fund Growth	₹495.99 ↑ 1.68	₹57,935	100	5	5.4	9.4	21	23.7	20
Nippon India Value Fund Growth	₹231.346 ↑ 2.04	₹9,173	100	2.2	3.4	0	20.8	22.4	22.3
JM Value Fund Growth	₹95.8453 ↑ 0.90	₹1,012	500	-1.9	-2.1	-7.8	20	21	25.1
Aditya Birla Sun Life Pure Value Fund Growth	₹127.908 ↑ 1.00	₹6,304	1,000	4.3	2.5	-3	19.1	19.6	18.5
Tata Equity PE Fund Growth	₹359.553 ↑ 2.48	₹8,882	150	3.8	3.5	-1.1	18.8	18.9	21.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 11 Dec 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Value Discovery Fund	Nippon India Value Fund	JM Value Fund	Aditya Birla Sun Life Pure Value Fund	Tata Equity PE Fund
Point 1	Highest AUM (₹57,935 Cr).	Upper mid AUM (₹9,173 Cr).	Bottom quartile AUM (₹1,012 Cr).	Bottom quartile AUM (₹6,304 Cr).	Lower mid AUM (₹8,882 Cr).
Point 2	Established history (21+ yrs).	Established history (20+ yrs).	Oldest track record among peers (28 yrs).	Established history (17+ yrs).	Established history (21+ yrs).
Point 3	Rating: 2★ (bottom quartile).	Not Rated.	Rating: 4★ (upper mid).	Rating: 3★ (lower mid).	Top rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 23.67% (top quartile).	5Y return: 22.35% (upper mid).	5Y return: 20.97% (lower mid).	5Y return: 19.61% (bottom quartile).	5Y return: 18.88% (bottom quartile).
Point 6	3Y return: 21.03% (top quartile).	3Y return: 20.81% (upper mid).	3Y return: 20.02% (lower mid).	3Y return: 19.05% (bottom quartile).	3Y return: 18.77% (bottom quartile).
Point 7	1Y return: 9.41% (top quartile).	1Y return: -0.04% (upper mid).	1Y return: -7.82% (bottom quartile).	1Y return: -3.00% (bottom quartile).	1Y return: -1.09% (lower mid).
Point 8	Alpha: 1.53 (top quartile).	Alpha: -1.68 (upper mid).	Alpha: -9.82 (bottom quartile).	Alpha: -6.31 (bottom quartile).	Alpha: -5.82 (lower mid).
Point 9	Sharpe: 0.16 (top quartile).	Sharpe: -0.10 (upper mid).	Sharpe: -0.57 (bottom quartile).	Sharpe: -0.31 (lower mid).	Sharpe: -0.35 (bottom quartile).
Point 10	Information ratio: 0.97 (upper mid).	Information ratio: 1.59 (top quartile).	Information ratio: 0.85 (lower mid).	Information ratio: 0.58 (bottom quartile).	Information ratio: 0.81 (bottom quartile).

ICICI Prudential Value Discovery Fund

Highest AUM (₹57,935 Cr).
Established history (21+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 23.67% (top quartile).
3Y return: 21.03% (top quartile).
1Y return: 9.41% (top quartile).
Alpha: 1.53 (top quartile).
Sharpe: 0.16 (top quartile).
Information ratio: 0.97 (upper mid).

Nippon India Value Fund

Upper mid AUM (₹9,173 Cr).
Established history (20+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 22.35% (upper mid).
3Y return: 20.81% (upper mid).
1Y return: -0.04% (upper mid).
Alpha: -1.68 (upper mid).
Sharpe: -0.10 (upper mid).
Information ratio: 1.59 (top quartile).

JM Value Fund

Bottom quartile AUM (₹1,012 Cr).
Oldest track record among peers (28 yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 20.97% (lower mid).
3Y return: 20.02% (lower mid).
1Y return: -7.82% (bottom quartile).
Alpha: -9.82 (bottom quartile).
Sharpe: -0.57 (bottom quartile).
Information ratio: 0.85 (lower mid).

Aditya Birla Sun Life Pure Value Fund

Bottom quartile AUM (₹6,304 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 19.61% (bottom quartile).
3Y return: 19.05% (bottom quartile).
1Y return: -3.00% (bottom quartile).
Alpha: -6.31 (bottom quartile).
Sharpe: -0.31 (lower mid).
Information ratio: 0.58 (bottom quartile).

Tata Equity PE Fund

Lower mid AUM (₹8,882 Cr).
Established history (21+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 18.88% (bottom quartile).
3Y return: 18.77% (bottom quartile).
1Y return: -1.09% (lower mid).
Alpha: -5.82 (lower mid).
Sharpe: -0.35 (bottom quartile).
Information ratio: 0.81 (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.