fincash logo SOLUTIONS
EXPLORE FUNDS
CALCULATORS
fincash number+91-22-48913909
Top 10 Best Performing SIP Plans 2025 - 2026

Fincash » Mutual Funds » Best SIP Plans India

Best Performing SIP Plans in India 2025

Updated on February 10, 2025 , 189217 views

Best SIP plans? How to choose them? These are some of the common questions that occur in the mind of investors when thinking of Investing in Mutual Funds through a SIP or Systematic Investment plan.

SIP investment is one of the most disciplined investing options when investing in Mutual Funds. Moreover, the minimum amount of investing in a SIP Mutual Fund is as less as INR 500. This makes investing in Top SIP plans much convenient.

Best SIP Plans

Generally, some of the best SIP plans in India offer good returns when invested for a longer duration. To know how much one can earn by investing a SIP or Systematic Investment Plan, check the sip calculator (also known as SIP return calculator) section below.

Why to Invest in a Systematic Investment Plan?

A systematic investment plan comes with multiple benefits. Its minimum investment amount INR 500 has not only gained attention most population, but also of many youngsters to begin their investment journey in mutual funds. An investor who wants to invest in a SIP can plan their major Financial goals like- child's education, marriage expenses, purchase of a house/car, etc., in a disciplined manner. One can simply start investing as per their goals (short-term, mid-term and long-term) and attain an increase in wealth over a certain period of time.

SIPs offer major benefits like rupee cost averaging and Power of Compounding. Rupee cost averaging helps an individual to average out the cost of an asset purchase. In a SIP, the purchase of units is done over a long period and these are spread out equally over monthly intervals (usually). Due to the investment being spread out over time, the investment is made into the stock Market at different price points giving the investor the benefit of averaging cost, hence the term rupee cost averaging.

In the case of compound interest, unlike simple interest where you gain interest on only the principal, here 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 the mutual funds in the SIP are in instalments, they are compounded, which adds more to the initially invested sum.

How Invest in Systematic Investment Plan?

  1. Open Free Investment Account for Lifetime at Fincash.com

  2. Complete your Registration and KYC Process

  3. Upload Documents (PAN, Aadhaar, etc.). And, You are Ready to Invest!

    Get Started

So, what are you waiting for? Get started with your SIP or Systematic Investment Plan and save better, now!

Ready to Invest?
Talk to our investment specialist
Disclaimer:
By submitting this form I authorize Fincash.com to call/SMS/email me about its products and I accept the terms of Privacy Policy and Terms & Conditions.

Best SIP Plans to Invest In FY 25 - 26

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
Nippon India Small Cap Fund Growth ₹150.112
↓ -0.58
₹61,974 100 -12.6-13.97.220.929.326.1
ICICI Prudential Infrastructure Fund Growth ₹170.31
↓ -0.50
₹6,911 100 -8.9-10.49.426.927.727.4
ICICI Prudential Technology Fund Growth ₹207.2
↓ -3.29
₹14,275 100 -1.35.114.41027.625.4
SBI Contra Fund Growth ₹356.165
↓ -6.23
₹42,181 500 -6.5-7.97.220.927.418.8
Motilal Oswal Midcap 30 Fund  Growth ₹93.2289
↓ -0.60
₹26,421 500 -10.3-5.324.927.426.457.1
TATA Digital India Fund Growth ₹50.109
↓ -0.14
₹12,963 150 -4.53.214.11125.830.6
L&T Emerging Businesses Fund Growth ₹73.7773
↓ -0.27
₹17,386 500 -13.1-12.55.217.925.828.5
SBI Healthcare Opportunities Fund Growth ₹405.986
↓ -11.32
₹3,628 500 -3.44.719.322.525.642.2
IDFC Infrastructure Fund Growth ₹44.261
↓ -0.24
₹1,791 100 -13.1-20.110.922.825.539.3
BOI AXA Manufacturing and Infrastructure Fund Growth ₹49.9
↑ 0.26
₹537 1,000 -9.3-13.79.520.325.325.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 12 Feb 25
*List of funds based on Assets >= 200 Crore & Sorted on 5 Year Return.

1. Nippon India Small Cap Fund

The primary investment objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related instruments of small cap companies and the secondary objective is to generate consistent returns by investing in debt and money market securities.

Nippon India Small Cap Fund is a Equity - Small Cap fund was launched on 16 Sep 10. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 20.7% since its launch.  Ranked 6 in Small Cap category.  Return for 2024 was 26.1% , 2023 was 48.9% and 2022 was 6.5% .

Below is the key information for Nippon India Small Cap Fund

Nippon India Small Cap Fund
Growth
Launch Date 16 Sep 10
NAV (12 Feb 25) ₹150.112 ↓ -0.58   (-0.38 %)
Net Assets (Cr) ₹61,974 on 31 Dec 24
Category Equity - Small Cap
AMC Nippon Life Asset Management Ltd.
Rating
Risk Moderately High
Expense Ratio 1.55
Sharpe Ratio 1.26
Information Ratio 0.61
Alpha Ratio 3.12
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Jan 20₹10,000
31 Jan 21₹12,137
31 Jan 22₹20,946
31 Jan 23₹22,218
31 Jan 24₹34,818
31 Jan 25₹38,435

Nippon India Small Cap Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹627,226.
Net Profit of ₹327,226
Invest Now

Returns for Nippon India Small Cap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Feb 25

DurationReturns
1 Month -10%
3 Month -12.6%
6 Month -13.9%
1 Year 7.2%
3 Year 20.9%
5 Year 29.3%
10 Year
15 Year
Since launch 20.7%
Historical performance (Yearly) on absolute basis
YearReturns
2024 26.1%
2023 48.9%
2022 6.5%
2021 74.3%
2020 29.2%
2019 -2.5%
2018 -16.7%
2017 63%
2016 5.6%
2015 15.1%
Fund Manager information for Nippon India Small Cap Fund
NameSinceTenure
Samir Rachh2 Jan 178.09 Yr.
Kinjal Desai25 May 186.7 Yr.

Data below for Nippon India Small Cap Fund as on 31 Dec 24

Equity Sector Allocation
SectorValue
Industrials25.71%
Financial Services12.92%
Consumer Cyclical12.68%
Basic Materials11.58%
Technology10.44%
Health Care7.75%
Consumer Defensive7.4%
Utility1.95%
Communication Services1.87%
Energy1.59%
Real Estate0.6%
Asset Allocation
Asset ClassValue
Cash5.02%
Equity94.98%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Apr 22 | HDFCBANK
2%₹1,179 Cr6,650,000
Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 28 Feb 21 | MCX
2%₹1,154 Cr1,851,010
Apar Industries Ltd (Industrials)
Equity, Since 31 Mar 17 | APARINDS
1%₹928 Cr899,271
Kirloskar Brothers Ltd (Industrials)
Equity, Since 31 Oct 12 | KIRLOSBROS
1%₹923 Cr4,472,130
Dixon Technologies (India) Ltd (Technology)
Equity, Since 30 Nov 18 | DIXON
1%₹919 Cr512,355
Tube Investments of India Ltd Ordinary Shares (Industrials)
Equity, Since 30 Apr 18 | TIINDIA
1%₹894 Cr2,499,222
ELANTAS Beck India Ltd (Basic Materials)
Equity, Since 28 Feb 13 | 500123
1%₹785 Cr614,625
State Bank of India (Financial Services)
Equity, Since 31 Oct 19 | SBIN
1%₹723 Cr9,100,000
Central Depository Services (India) Ltd (Financial Services)
Equity, Since 31 Dec 18 | CDSL
1%₹709 Cr4,029,718
Karur Vysya Bank Ltd (Financial Services)
Equity, Since 28 Feb 17 | 590003
1%₹690 Cr31,784,062

2. ICICI Prudential Infrastructure Fund

To generate capital appreciation and income distribution to unit holders by investing predominantly in equity/equity related securities of the companies belonging to the infrastructure development and balance in debt securities and money market instruments.

ICICI Prudential Infrastructure Fund is a Equity - Sectoral fund was launched on 31 Aug 05. It is a fund with High risk and has given a CAGR/Annualized return of 15.7% since its launch.  Ranked 27 in Sectoral category.  Return for 2024 was 27.4% , 2023 was 44.6% and 2022 was 28.8% .

Below is the key information for ICICI Prudential Infrastructure Fund

ICICI Prudential Infrastructure Fund
Growth
Launch Date 31 Aug 05
NAV (12 Feb 25) ₹170.31 ↓ -0.50   (-0.29 %)
Net Assets (Cr) ₹6,911 on 31 Dec 24
Category Equity - Sectoral
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk High
Expense Ratio 2.22
Sharpe Ratio 1.41
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Jan 20₹10,000
31 Jan 21₹10,385
31 Jan 22₹16,659
31 Jan 23₹19,888
31 Jan 24₹30,973
31 Jan 25₹35,717

ICICI Prudential Infrastructure Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹598,181.
Net Profit of ₹298,181
Invest Now

Returns for ICICI Prudential Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Feb 25

DurationReturns
1 Month -4.9%
3 Month -8.9%
6 Month -10.4%
1 Year 9.4%
3 Year 26.9%
5 Year 27.7%
10 Year
15 Year
Since launch 15.7%
Historical performance (Yearly) on absolute basis
YearReturns
2024 27.4%
2023 44.6%
2022 28.8%
2021 50.1%
2020 3.6%
2019 2.6%
2018 -14%
2017 40.8%
2016 2%
2015 -3.4%
Fund Manager information for ICICI Prudential Infrastructure Fund
NameSinceTenure
Ihab Dalwai3 Jun 177.67 Yr.
Sharmila D’mello30 Jun 222.59 Yr.

Data below for ICICI Prudential Infrastructure Fund as on 31 Dec 24

Equity Sector Allocation
SectorValue
Industrials36.99%
Basic Materials18.93%
Financial Services16.99%
Utility10.73%
Energy7.04%
Communication Services1.26%
Consumer Cyclical1.11%
Real Estate0.75%
Asset Allocation
Asset ClassValue
Cash5.59%
Equity93.78%
Debt0.63%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 09 | LT
9%₹615 Cr1,704,683
NTPC Ltd (Utilities)
Equity, Since 29 Feb 16 | 532555
4%₹257 Cr7,710,775
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 16 | ICICIBANK
4%₹255 Cr1,990,000
Shree Cement Ltd (Basic Materials)
Equity, Since 30 Apr 24 | 500387
4%₹246 Cr95,657
JM Financial Ltd (Financial Services)
Equity, Since 31 Oct 21 | JMFINANCIL
3%₹231 Cr17,763,241
↑ 400,000
Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 May 24 | ADANIPORTS
3%₹214 Cr1,740,091
InterGlobe Aviation Ltd (Industrials)
Equity, Since 28 Feb 23 | INDIGO
3%₹208 Cr457,106
↓ -30,684
NCC Ltd (Industrials)
Equity, Since 31 Aug 21 | NCC
3%₹207 Cr7,547,700
Kalpataru Projects International Ltd (Industrials)
Equity, Since 30 Sep 06 | KPIL
3%₹202 Cr1,558,301
Reliance Industries Ltd (Energy)
Equity, Since 31 Jul 23 | RELIANCE
3%₹196 Cr1,609,486

3. ICICI Prudential Technology Fund

To generate long-term capital appreciation for you from a portfolio made up predominantly of equity and equity-related securities of technology intensive companies.

ICICI Prudential Technology Fund is a Equity - Sectoral fund was launched on 3 Mar 00. It is a fund with High risk and has given a CAGR/Annualized return of 12.9% since its launch.  Ranked 37 in Sectoral category.  Return for 2024 was 25.4% , 2023 was 27.5% and 2022 was -23.2% .

Below is the key information for ICICI Prudential Technology Fund

ICICI Prudential Technology Fund
Growth
Launch Date 3 Mar 00
NAV (11 Feb 25) ₹207.2 ↓ -3.29   (-1.56 %)
Net Assets (Cr) ₹14,275 on 31 Dec 24
Category Equity - Sectoral
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk High
Expense Ratio 1.96
Sharpe Ratio 0.97
Information Ratio -0.12
Alpha Ratio 1.16
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Jan 20₹10,000
31 Jan 21₹16,325
31 Jan 22₹25,971
31 Jan 23₹22,408
31 Jan 24₹29,166
31 Jan 25₹34,454

ICICI Prudential Technology Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹598,181.
Net Profit of ₹298,181
Invest Now

Returns for ICICI Prudential Technology Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Feb 25

DurationReturns
1 Month -4.2%
3 Month -1.3%
6 Month 5.1%
1 Year 14.4%
3 Year 10%
5 Year 27.6%
10 Year
15 Year
Since launch 12.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 25.4%
2023 27.5%
2022 -23.2%
2021 75.7%
2020 70.6%
2019 2.3%
2018 19.1%
2017 19.8%
2016 -4%
2015 3.9%
Fund Manager information for ICICI Prudential Technology Fund
NameSinceTenure
Vaibhav Dusad2 May 204.76 Yr.
Sharmila D’mello30 Jun 222.59 Yr.

Data below for ICICI Prudential Technology Fund as on 31 Dec 24

Equity Sector Allocation
SectorValue
Technology71.4%
Communication Services16.22%
Consumer Cyclical4.97%
Industrials2.81%
Health Care0.69%
Financial Services0.5%
Consumer Defensive0.2%
Asset Allocation
Asset ClassValue
Cash2.98%
Equity97.02%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Infosys Ltd (Technology)
Equity, Since 30 Apr 08 | INFY
22%₹3,152 Cr16,768,086
Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Sep 19 | TCS
12%₹1,742 Cr4,254,724
↑ 270,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 20 | BHARTIARTL
8%₹1,167 Cr7,348,806
↑ 200,000
LTIMindtree Ltd (Technology)
Equity, Since 31 Jul 16 | LTIM
6%₹847 Cr1,515,919
↑ 207,126
HCL Technologies Ltd (Technology)
Equity, Since 30 Sep 20 | HCLTECH
5%₹721 Cr3,758,139
↑ 108,689
Tech Mahindra Ltd (Technology)
Equity, Since 31 Oct 16 | 532755
5%₹713 Cr4,176,250
↑ 391,032
Bharti Airtel Ltd (Partly Paid Rs.1.25) (Communication Services)
Equity, Since 31 Oct 21 | 890157
4%₹547 Cr4,645,340
Wipro Ltd (Technology)
Equity, Since 30 Sep 19 | 507685
3%₹452 Cr14,965,117
↑ 242,399
Zomato Ltd (Consumer Cyclical)
Equity, Since 31 Aug 22 | 543320
3%₹402 Cr14,473,026
↓ -1,085,383
Persistent Systems Ltd (Technology)
Equity, Since 31 May 20 | PERSISTENT
2%₹344 Cr532,687
↓ -17,707

4. SBI Contra Fund

To provide the investors maximum growth opportunity through equity investments in stocks of growth oriented sectors of the economy.

SBI Contra Fund is a Equity - Contra fund was launched on 6 May 05. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 15% since its launch.  Ranked 48 in Contra category.  Return for 2024 was 18.8% , 2023 was 38.2% and 2022 was 12.8% .

Below is the key information for SBI Contra Fund

SBI Contra Fund
Growth
Launch Date 6 May 05
NAV (11 Feb 25) ₹356.165 ↓ -6.23   (-1.72 %)
Net Assets (Cr) ₹42,181 on 31 Dec 24
Category Equity - Contra
AMC SBI Funds Management Private Limited
Rating
Risk Moderately High
Expense Ratio 1.7
Sharpe Ratio 0.95
Information Ratio 1.84
Alpha Ratio 5.15
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Jan 20₹10,000
31 Jan 21₹13,142
31 Jan 22₹19,202
31 Jan 23₹21,302
31 Jan 24₹30,908
31 Jan 25₹34,481

SBI Contra Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹598,181.
Net Profit of ₹298,181
Invest Now

Returns for SBI Contra Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Feb 25

DurationReturns
1 Month -2.9%
3 Month -6.5%
6 Month -7.9%
1 Year 7.2%
3 Year 20.9%
5 Year 27.4%
10 Year
15 Year
Since launch 15%
Historical performance (Yearly) on absolute basis
YearReturns
2024 18.8%
2023 38.2%
2022 12.8%
2021 49.9%
2020 30.6%
2019 -1%
2018 -14.3%
2017 40.2%
2016 2.4%
2015 -0.1%
Fund Manager information for SBI Contra Fund
NameSinceTenure
Dinesh Balachandran7 May 186.75 Yr.
Pradeep Kesavan1 Dec 231.17 Yr.

Data below for SBI Contra Fund as on 31 Dec 24

Equity Sector Allocation
SectorValue
Financial Services19.47%
Technology9.03%
Basic Materials8.12%
Energy7.33%
Health Care7.33%
Industrials6.55%
Consumer Cyclical6.42%
Utility5.94%
Consumer Defensive4.71%
Communication Services3.97%
Real Estate0.57%
Asset Allocation
Asset ClassValue
Cash19.44%
Equity79.44%
Debt1.12%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Aug 16 | HDFCBANK
5%₹2,256 Cr12,723,129
Reliance Industries Ltd (Energy)
Equity, Since 31 Mar 23 | RELIANCE
4%₹1,498 Cr12,328,250
GAIL (India) Ltd (Utilities)
Equity, Since 28 Feb 21 | 532155
2%₹993 Cr51,993,788
Tech Mahindra Ltd (Technology)
Equity, Since 31 Mar 22 | 532755
2%₹987 Cr5,786,409
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Mar 24 | KOTAKBANK
2%₹916 Cr5,128,168
Torrent Power Ltd (Utilities)
Equity, Since 31 Oct 21 | 532779
2%₹916 Cr6,163,300
↑ 2,322,023
State Bank of India (Financial Services)
Equity, Since 31 Dec 10 | SBIN
2%₹815 Cr10,254,269
ITC Ltd (Consumer Defensive)
Equity, Since 31 Jul 20 | ITC
2%₹811 Cr16,766,741
Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 31 Dec 22 | 500312
2%₹763 Cr31,885,412
Whirlpool of India Ltd (Consumer Cyclical)
Equity, Since 29 Feb 24 | 500238
2%₹743 Cr4,040,000

5. Motilal Oswal Midcap 30 Fund 

(Erstwhile Motilal Oswal MOSt Focused Midcap 30 Fund)

The investment objective of the Scheme is to achieve long term capital appreciation by investing in a maximum of 30 quality mid-cap companies having long-term competitive advantages and potential for growth. However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved.

Motilal Oswal Midcap 30 Fund  is a Equity - Mid Cap fund was launched on 24 Feb 14. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 22.6% since its launch.  Ranked 27 in Mid Cap category.  Return for 2024 was 57.1% , 2023 was 41.7% and 2022 was 10.7% .

Below is the key information for Motilal Oswal Midcap 30 Fund 

Motilal Oswal Midcap 30 Fund 
Growth
Launch Date 24 Feb 14
NAV (12 Feb 25) ₹93.2289 ↓ -0.60   (-0.64 %)
Net Assets (Cr) ₹26,421 on 31 Dec 24
Category Equity - Mid Cap
AMC Motilal Oswal Asset Management Co. Ltd
Rating
Risk Moderately High
Expense Ratio 0.66
Sharpe Ratio 2.67
Information Ratio 1.32
Alpha Ratio 25.93
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Jan 20₹10,000
31 Jan 21₹10,284
31 Jan 22₹16,054
31 Jan 23₹17,654
31 Jan 24₹26,102
31 Jan 25₹33,874

Motilal Oswal Midcap 30 Fund  SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹584,107.
Net Profit of ₹284,107
Invest Now

Returns for Motilal Oswal Midcap 30 Fund 

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Feb 25

DurationReturns
1 Month -11.7%
3 Month -10.3%
6 Month -5.3%
1 Year 24.9%
3 Year 27.4%
5 Year 26.4%
10 Year
15 Year
Since launch 22.6%
Historical performance (Yearly) on absolute basis
YearReturns
2024 57.1%
2023 41.7%
2022 10.7%
2021 55.8%
2020 9.3%
2019 9.7%
2018 -12.7%
2017 30.8%
2016 5.2%
2015 16.5%
Fund Manager information for Motilal Oswal Midcap 30 Fund 
NameSinceTenure
Ajay Khandelwal1 Oct 240.34 Yr.
Niket Shah1 Jul 204.59 Yr.
Rakesh Shetty22 Nov 222.2 Yr.
Sunil Sawant1 Jul 240.59 Yr.

Data below for Motilal Oswal Midcap 30 Fund  as on 31 Dec 24

Equity Sector Allocation
SectorValue
Technology29.21%
Consumer Cyclical25.34%
Industrials19.64%
Financial Services5.14%
Health Care4.07%
Communication Services2.9%
Utility2.05%
Real Estate1.98%
Basic Materials0.47%
Asset Allocation
Asset ClassValue
Cash9.2%
Equity90.8%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Coforge Ltd (Technology)
Equity, Since 31 Mar 23 | COFORGE
10%₹2,604 Cr2,695,000
↑ 95,000
Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 29 Feb 24 | KALYANKJIL
10%₹2,548 Cr33,250,000
↑ 2,750,000
Polycab India Ltd (Industrials)
Equity, Since 30 Sep 23 | POLYCAB
9%₹2,364 Cr3,250,000
↑ 124,982
Trent Ltd (Consumer Cyclical)
Equity, Since 30 Nov 24 | 500251
8%₹2,137 Cr3,000,000
↑ 1,250,400
Persistent Systems Ltd (Technology)
Equity, Since 31 Jan 23 | PERSISTENT
8%₹2,099 Cr3,250,000
↑ 250,000
Jio Financial Services Ltd (Financial Services)
Equity, Since 31 Aug 23 | JIOFIN
5%₹1,359 Cr45,500,000
↑ 3,000,000
Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 31 Oct 24 | M&M
4%₹1,052 Cr3,500,000
↓ -1,250,000
Oracle Financial Services Software Ltd (Technology)
Equity, Since 31 Dec 24 | OFSS
4%₹1,019 Cr796,967
↑ 796,967
One97 Communications Ltd (Technology)
Equity, Since 30 Sep 24 | 543396
4%₹1,018 Cr10,000,000
↑ 2,500,000
Voltas Ltd (Industrials)
Equity, Since 31 Oct 17 | VOLTAS
3%₹895 Cr4,999,745

6. TATA Digital India Fund

The investment objective of the scheme is to seek long term capital appreciation by investing atleast 80% of its net assets in equity/equity related instruments of the companies in Information Technology Sector in India.However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved.The Scheme does not assure or guarantee any returns.

TATA Digital India Fund is a Equity - Sectoral fund was launched on 28 Dec 15. It is a fund with High risk and has given a CAGR/Annualized return of 19.3% since its launch.  Return for 2024 was 30.6% , 2023 was 31.9% and 2022 was -23.3% .

Below is the key information for TATA Digital India Fund

TATA Digital India Fund
Growth
Launch Date 28 Dec 15
NAV (12 Feb 25) ₹50.109 ↓ -0.14   (-0.27 %)
Net Assets (Cr) ₹12,963 on 31 Dec 24
Category Equity - Sectoral
AMC Tata Asset Management Limited
Rating Not Rated
Risk High
Expense Ratio 0
Sharpe Ratio 1.21
Information Ratio 0.89
Alpha Ratio 7.66
Min Investment 5,000
Min SIP Investment 150
Exit Load 0-3 Months (0.25%),3 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Jan 20₹10,000
31 Jan 21₹15,254
31 Jan 22₹23,775
31 Jan 23₹20,584
31 Jan 24₹27,482
31 Jan 25₹32,904

TATA Digital India Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326
Invest Now

Returns for TATA Digital India Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Feb 25

DurationReturns
1 Month -7.2%
3 Month -4.5%
6 Month 3.2%
1 Year 14.1%
3 Year 11%
5 Year 25.8%
10 Year
15 Year
Since launch 19.3%
Historical performance (Yearly) on absolute basis
YearReturns
2024 30.6%
2023 31.9%
2022 -23.3%
2021 74.4%
2020 54.8%
2019 7.5%
2018 24.9%
2017 19.6%
2016 -6%
2015
Fund Manager information for TATA Digital India Fund
NameSinceTenure
Meeta Shetty9 Mar 213.9 Yr.
Kapil Malhotra19 Dec 231.12 Yr.

Data below for TATA Digital India Fund as on 31 Dec 24

Equity Sector Allocation
SectorValue
Technology74.43%
Consumer Cyclical7.89%
Industrials4.94%
Communication Services4.21%
Financial Services3.86%
Asset Allocation
Asset ClassValue
Cash4.67%
Equity95.33%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Infosys Ltd (Technology)
Equity, Since 31 Jan 16 | INFY
17%₹2,168 Cr11,530,857
Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Jan 16 | TCS
11%₹1,485 Cr3,626,873
Tech Mahindra Ltd (Technology)
Equity, Since 30 Apr 16 | 532755
9%₹1,219 Cr7,145,933
Wipro Ltd (Technology)
Equity, Since 31 Jul 18 | 507685
8%₹990 Cr32,787,324
HCL Technologies Ltd (Technology)
Equity, Since 31 Jan 16 | HCLTECH
7%₹956 Cr4,983,886
Zomato Ltd (Consumer Cyclical)
Equity, Since 31 Oct 22 | 543320
6%₹808 Cr29,067,000
LTIMindtree Ltd (Technology)
Equity, Since 28 Feb 21 | LTIM
4%₹552 Cr988,062
Persistent Systems Ltd (Technology)
Equity, Since 31 Jan 16 | PERSISTENT
4%₹490 Cr759,192
Firstsource Solutions Ltd (Technology)
Equity, Since 30 Nov 21 | FSL
3%₹381 Cr10,123,112
Sonata Software Ltd (Technology)
Equity, Since 30 Jun 23 | SONATSOFTW
2%₹307 Cr5,125,514

7. L&T Emerging Businesses Fund

To generate long-term capital appreciation from a diversified portfolio of predominantly equity and equity related securities, including equity derivatives, in the Indian markets with key theme focus being emerging companies (small cap stocks). The Scheme could also additionally invest in Foreign Securities.

L&T Emerging Businesses Fund is a Equity - Small Cap fund was launched on 12 May 14. It is a fund with High risk and has given a CAGR/Annualized return of 20.4% since its launch.  Ranked 2 in Small Cap category.  Return for 2024 was 28.5% , 2023 was 46.1% and 2022 was 1% .

Below is the key information for L&T Emerging Businesses Fund

L&T Emerging Businesses Fund
Growth
Launch Date 12 May 14
NAV (12 Feb 25) ₹73.7773 ↓ -0.27   (-0.36 %)
Net Assets (Cr) ₹17,386 on 31 Dec 24
Category Equity - Small Cap
AMC L&T Investment Management Ltd
Rating
Risk High
Expense Ratio 1.73
Sharpe Ratio 1.32
Information Ratio 0.19
Alpha Ratio 3.87
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Jan 20₹10,000
31 Jan 21₹11,113
31 Jan 22₹19,683
31 Jan 23₹19,960
31 Jan 24₹30,763
31 Jan 25₹33,089

L&T Emerging Businesses Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326
Invest Now

Returns for L&T Emerging Businesses Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Feb 25

DurationReturns
1 Month -11.8%
3 Month -13.1%
6 Month -12.5%
1 Year 5.2%
3 Year 17.9%
5 Year 25.8%
10 Year
15 Year
Since launch 20.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024 28.5%
2023 46.1%
2022 1%
2021 77.4%
2020 15.5%
2019 -8.1%
2018 -13.7%
2017 66.5%
2016 10.2%
2015 12.3%
Fund Manager information for L&T Emerging Businesses Fund
NameSinceTenure
Venugopal Manghat17 Dec 195.13 Yr.
Cheenu Gupta1 Oct 231.34 Yr.
Sonal Gupta1 Oct 231.34 Yr.

Data below for L&T Emerging Businesses Fund as on 31 Dec 24

Equity Sector Allocation
SectorValue
Industrials30.48%
Consumer Cyclical16.51%
Financial Services14.26%
Technology10.64%
Basic Materials10.36%
Real Estate5.3%
Health Care4.2%
Consumer Defensive3.21%
Energy1.5%
Asset Allocation
Asset ClassValue
Cash1.16%
Equity98.84%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Apar Industries Ltd (Industrials)
Equity, Since 31 Mar 17 | APARINDS
3%₹470 Cr455,400
BSE Ltd (Financial Services)
Equity, Since 29 Feb 24 | BSE
3%₹454 Cr852,600
↓ -31,900
Dixon Technologies (India) Ltd (Technology)
Equity, Since 31 Jul 20 | DIXON
2%₹427 Cr238,273
Neuland Laboratories Limited
Equity, Since 31 Jan 24 | -
2%₹410 Cr299,000
↑ 17,978
Aditya Birla Real Estate Ltd (Basic Materials)
Equity, Since 30 Sep 22 | 500040
2%₹403 Cr1,607,279
Techno Electric & Engineering Co Ltd (Industrials)
Equity, Since 31 Jan 19 | TECHNOE
2%₹388 Cr2,473,042
Kirloskar Pneumatic Co Ltd (Industrials)
Equity, Since 31 Aug 22 | 505283
2%₹376 Cr2,444,924
KFin Technologies Ltd (Technology)
Equity, Since 31 Aug 24 | KFINTECH
2%₹374 Cr2,429,736
↑ 139,336
Trent Ltd (Consumer Cyclical)
Equity, Since 31 Jan 17 | 500251
2%₹338 Cr474,400
↓ -63,150
Time Technoplast Ltd (Consumer Cyclical)
Equity, Since 31 Jan 24 | TIMETECHNO
2%₹336 Cr6,810,500
↑ 656,671

8. SBI Healthcare Opportunities Fund

(Erstwhile SBI Pharma Fund)

To provide the investors maximum growth opportunity through equity investments in stocks of growth oriented sectors of the economy.

SBI Healthcare Opportunities Fund is a Equity - Sectoral fund was launched on 31 Dec 04. It is a fund with High risk and has given a CAGR/Annualized return of 15.6% since its launch.  Ranked 34 in Sectoral category.  Return for 2024 was 42.2% , 2023 was 38.2% and 2022 was -6% .

Below is the key information for SBI Healthcare Opportunities Fund

SBI Healthcare Opportunities Fund
Growth
Launch Date 31 Dec 04
NAV (11 Feb 25) ₹405.986 ↓ -11.32   (-2.71 %)
Net Assets (Cr) ₹3,628 on 31 Dec 24
Category Equity - Sectoral
AMC SBI Funds Management Private Limited
Rating
Risk High
Expense Ratio 2.09
Sharpe Ratio 2.76
Information Ratio 0.52
Alpha Ratio 4.09
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-15 Days (0.5%),15 Days and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Jan 20₹10,000
31 Jan 21₹15,535
31 Jan 22₹17,594
31 Jan 23₹17,709
31 Jan 24₹26,160
31 Jan 25₹33,176

SBI Healthcare Opportunities Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326
Invest Now

Returns for SBI Healthcare Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Feb 25

DurationReturns
1 Month -5.2%
3 Month -3.4%
6 Month 4.7%
1 Year 19.3%
3 Year 22.5%
5 Year 25.6%
10 Year
15 Year
Since launch 15.6%
Historical performance (Yearly) on absolute basis
YearReturns
2024 42.2%
2023 38.2%
2022 -6%
2021 20.1%
2020 65.8%
2019 -0.5%
2018 -9.9%
2017 2.1%
2016 -14%
2015 27.1%
Fund Manager information for SBI Healthcare Opportunities Fund
NameSinceTenure
Tanmaya Desai1 Jun 1113.68 Yr.
Pradeep Kesavan31 Dec 231.09 Yr.

Data below for SBI Healthcare Opportunities Fund as on 31 Dec 24

Equity Sector Allocation
SectorValue
Health Care90.04%
Basic Materials6.53%
Asset Allocation
Asset ClassValue
Cash3.35%
Equity96.57%
Debt0.08%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 Dec 17 | SUNPHARMA
13%₹472 Cr2,500,000
Max Healthcare Institute Ltd Ordinary Shares (Healthcare)
Equity, Since 31 Mar 21 | MAXHEALTH
6%₹226 Cr2,000,000
Divi's Laboratories Ltd (Healthcare)
Equity, Since 31 Mar 12 | DIVISLAB
6%₹220 Cr360,000
Cipla Ltd (Healthcare)
Equity, Since 31 Aug 16 | 500087
6%₹214 Cr1,400,000
↑ 120,000
Lupin Ltd (Healthcare)
Equity, Since 31 Aug 23 | 500257
5%₹188 Cr800,000
Lonza Group Ltd ADR (Healthcare)
Equity, Since 31 Jan 24 | LZAGY
4%₹151 Cr300,000
Mankind Pharma Ltd (Healthcare)
Equity, Since 30 Apr 23 | MANKIND
4%₹151 Cr523,016
↑ 123,016
Poly Medicure Ltd (Healthcare)
Equity, Since 31 Aug 24 | POLYMED
4%₹131 Cr500,000
Krishna Institute of Medical Sciences Ltd (Healthcare)
Equity, Since 30 Nov 22 | 543308
3%₹126 Cr2,100,000
↓ -100,000
Jupiter Life Line Hospitals Ltd (Healthcare)
Equity, Since 31 Aug 23 | JLHL
3%₹125 Cr800,000
↓ -32,871

9. IDFC Infrastructure Fund

The investment objective of the scheme is to seek to generate long-term capital growth through an active diversified portfolio of predominantly equity and equity related instruments of companies that are participating in and benefiting from growth in Indian infrastructure and infrastructural related activities. However, there can be no assurance that the investment objective of the scheme will be realized.

IDFC Infrastructure Fund is a Equity - Sectoral fund was launched on 8 Mar 11. It is a fund with High risk and has given a CAGR/Annualized return of 11.3% since its launch.  Ranked 1 in Sectoral category.  Return for 2024 was 39.3% , 2023 was 50.3% and 2022 was 1.7% .

Below is the key information for IDFC Infrastructure Fund

IDFC Infrastructure Fund
Growth
Launch Date 8 Mar 11
NAV (12 Feb 25) ₹44.261 ↓ -0.24   (-0.54 %)
Net Assets (Cr) ₹1,791 on 31 Dec 24
Category Equity - Sectoral
AMC IDFC Asset Management Company Limited
Rating
Risk High
Expense Ratio 2.33
Sharpe Ratio 1.59
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Jan 20₹10,000
31 Jan 21₹10,449
31 Jan 22₹16,786
31 Jan 23₹16,915
31 Jan 24₹28,172
31 Jan 25₹32,572

IDFC Infrastructure Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326
Invest Now

Returns for IDFC Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Feb 25

DurationReturns
1 Month -9.7%
3 Month -13.1%
6 Month -20.1%
1 Year 10.9%
3 Year 22.8%
5 Year 25.5%
10 Year
15 Year
Since launch 11.3%
Historical performance (Yearly) on absolute basis
YearReturns
2024 39.3%
2023 50.3%
2022 1.7%
2021 64.8%
2020 6.3%
2019 -5.3%
2018 -25.9%
2017 58.7%
2016 10.7%
2015 -0.2%
Fund Manager information for IDFC Infrastructure Fund
NameSinceTenure
Vishal Biraia24 Jan 241.02 Yr.
Ritika Behera7 Oct 231.32 Yr.
Gaurav Satra7 Jun 240.65 Yr.

Data below for IDFC Infrastructure Fund as on 31 Dec 24

Equity Sector Allocation
SectorValue
Industrials58.01%
Utility12.35%
Basic Materials8.64%
Technology4.18%
Communication Services3.82%
Financial Services3.21%
Energy3.07%
Consumer Cyclical2.58%
Health Care1.77%
Asset Allocation
Asset ClassValue
Cash2.38%
Equity97.62%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Kirloskar Brothers Ltd (Industrials)
Equity, Since 31 Dec 17 | KIRLOSBROS
5%₹92 Cr443,385
GPT Infraprojects Ltd (Industrials)
Equity, Since 30 Nov 17 | GPTINFRA
4%₹68 Cr4,797,143
Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 12 | LT
3%₹62 Cr171,447
KEC International Ltd (Industrials)
Equity, Since 30 Jun 24 | 532714
3%₹57 Cr475,362
Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 24 | RELIANCE
3%₹55 Cr452,706
UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Mar 14 | 532538
3%₹54 Cr46,976
Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 Dec 23 | ADANIPORTS
3%₹54 Cr434,979
PTC India Financial Services Ltd (Financial Services)
Equity, Since 31 Dec 23 | PFS
3%₹53 Cr12,400,122
H.G. Infra Engineering Ltd Ordinary Shares (Industrials)
Equity, Since 28 Feb 18 | HGINFRA
3%₹49 Cr321,984
Ahluwalia Contracts (India) Ltd (Industrials)
Equity, Since 30 Apr 15 | AHLUCONT
3%₹48 Cr470,125

10. BOI AXA Manufacturing and Infrastructure Fund

The Scheme seeks to generate long term capital appreciation through a portfolio of predominantly equity and equity related securities of companies engaged in manufacturing and infrastructure and related sectors. Further, there can be no assurance that the investment objectives of the scheme will be realized. The Scheme is not providing any assured or guaranteed returns

BOI AXA Manufacturing and Infrastructure Fund is a Equity - Sectoral fund was launched on 5 Mar 10. It is a fund with High risk and has given a CAGR/Annualized return of 11.4% since its launch.  Return for 2024 was 25.7% , 2023 was 44.7% and 2022 was 3.3% .

Below is the key information for BOI AXA Manufacturing and Infrastructure Fund

BOI AXA Manufacturing and Infrastructure Fund
Growth
Launch Date 5 Mar 10
NAV (12 Feb 25) ₹49.9 ↑ 0.26   (0.52 %)
Net Assets (Cr) ₹537 on 31 Dec 24
Category Equity - Sectoral
AMC BOI AXA Investment Mngrs Private Ltd
Rating Not Rated
Risk High
Expense Ratio 2.57
Sharpe Ratio 1.25
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Jan 20₹10,000
31 Jan 21₹12,210
31 Jan 22₹18,356
31 Jan 23₹18,974
31 Jan 24₹29,005
31 Jan 25₹33,073

BOI AXA Manufacturing and Infrastructure Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326
Invest Now

Returns for BOI AXA Manufacturing and Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Feb 25

DurationReturns
1 Month -5.8%
3 Month -9.3%
6 Month -13.7%
1 Year 9.5%
3 Year 20.3%
5 Year 25.3%
10 Year
15 Year
Since launch 11.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024 25.7%
2023 44.7%
2022 3.3%
2021 52.5%
2020 28.1%
2019 2.5%
2018 -22.8%
2017 56%
2016 1%
2015 0.3%
Fund Manager information for BOI AXA Manufacturing and Infrastructure Fund
NameSinceTenure
Nitin Gosar27 Sep 222.35 Yr.

Data below for BOI AXA Manufacturing and Infrastructure Fund as on 31 Dec 24

Equity Sector Allocation
SectorValue
Industrials28.83%
Basic Materials21.97%
Consumer Cyclical12.11%
Utility6.41%
Health Care5.61%
Energy5.16%
Communication Services4.47%
Technology4.11%
Consumer Defensive3.88%
Real Estate3%
Asset Allocation
Asset ClassValue
Cash4.46%
Equity95.54%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Mar 10 | LT
7%₹35 Cr97,169
↑ 21,367
NTPC Ltd (Utilities)
Equity, Since 31 May 21 | 532555
5%₹26 Cr773,906
Vedanta Ltd (Basic Materials)
Equity, Since 31 Mar 24 | 500295
4%₹22 Cr487,680
↑ 10,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Oct 20 | RELIANCE
3%₹18 Cr150,806
Manorama Industries Ltd (Consumer Defensive)
Equity, Since 31 May 24 | 541974
3%₹15 Cr137,935
Swan Energy Ltd (Industrials)
Equity, Since 31 Dec 23 | SWANENERGY
2%₹13 Cr178,821
↑ 19,195
Indus Towers Ltd Ordinary Shares (Communication Services)
Equity, Since 31 Jan 24 | 534816
2%₹13 Cr375,411
Eris Lifesciences Ltd Registered Shs (Healthcare)
Equity, Since 31 Jul 23 | ERIS
2%₹12 Cr84,903
Sterling and Wilson Renewable Energy Ltd (Technology)
Equity, Since 31 Mar 24 | SWSOLAR
2%₹11 Cr244,992
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Dec 22 | BHARTIARTL
2%₹11 Cr70,260
↑ 42,631

How to Choose Best SIP Investment?

Things-to-consider-for-best-SIP

There are various Mutual Funds that allow you to invest through a SIP. But the main problem is selecting the best mutual funds for SIP. Though the best Mutual Funds might vary from person to person, below is a list of some points that investors might consider before choosing a best SIP Mutual Fund.

Understand Objective of the SIP Investment

When it comes to investing, each one of us has a different objective. So before investing in Mutual Funds through a SIP, it is advised to get a clear picture of your investment goals and risk profile. Generally, Equity Mutual Funds are considered to be beneficial for long-term objectives while money market and Debt fund are suitable for short-term objectives.

Know the Fund House

A large part of the SIP returns depends on the Fund House managing your money on your behalf. If the Fund House fails its objective, you will be the one losing your money. To make sure you have the best SIP plan choose a well-reputed fund house.

Monitor Fund Performance of the SIP Mutual Fund

One of the basic reasons due to which people invest in Mutual Funds through SIP is to make money. Therefore, it is important to analyse the performance of funds over a period of time to choose the best fund and then invest in the best SIP plans. Typically, for equity Mutual Funds long-term performance is looked at, while for the debt Mutual Funds short to mid-term returns are considered.

Analyse Loads and Recurring Expenses of SIP

Last but not the least, the exit load and the expense ratio incurred if the investment in redeemed before a specified period (usually called the lock-in period).

So, it is advised to choose the best SIP plans considering these parameters in mind. Think before you invest!

SIP Calculator (SIP Return Calculator)

For financial planning, SIP calculator or SIP return calculator is one of the best tools.

To monitor how your SIP grows through the power of compounding consider the below example.

Monthly Investment Time Period of Investment Total Amount Invested Final Value @ 14% p.a.
1,000 5 years 60,000 87,200
1,000 10 years 1,20,000 2,62,091
1,000 15 years 1,80,000 6,12,853

The above table mentions that if you invest INR 1,000 per month in a SIP Mutual Fund, your total investment in 5 years would be INR 60,000 and your SIP returns at an assumed return percentage of 14% p.a. would be INR 87,2001, respectively. Similarly, in 10 years the total investment would be INR 1,20,000 and the SIP return at the assumed percentage of 14% p.a. would be INR 2,62,091.

The same way, the investment in 15 years would be INR 1,80,000 and the final value at the return percentage of 14% p.a would be INR 6,12,853, respectively.

So, by simply investing INR 1,000 in a month, see how your money will grow in the years to come. Consider the above calculations when choosing a best SIP Mutual Fund to invest.

FAQs

1. What is a SIP?

A: SIP or a Systematic Investment Plan is an investment route offered under a mutual fund scheme, where a certain sum of money is invested under the scheme at regular intervals. This installment can be as small as Rs.500.

2. What are the benefits of SIP?

A: The primary advantage of SIP is that it makes investments more disciplined. It allows the investor to make Financial plan useful and helps develop the investor a habit of investing in the investor.

3. Who can invest in SIP?

A: Anyone can invest in SIP. But, you must do your risk analysis, mean how much risk you wish to take. Also, to start, you need PAN details, address proof, and Bank details.

4. What are the steps to invest in SIP in offline mode?

A: To invest in offline mode, you will have to fill-up the application form, submit a cheque for the monthly or quarterly SIP amount, provide a copy of the PAN Card, address proof, and a canceled cheque as proof of your bank details.

5. Why should I invest in ICICI Prudential Technology Fund?

A: The ICICI Prudential Technology Fund has shown a return of 11.9% since its launching on 3rd March 2000. Unlike other funds, in the year 2020, it has established a return of 70.6%. Hence, investing in ICICI Prudential Technology Fund has proven worthwhile and has invested in the SIP for five years.

6. Why should I invest in SBI Bluechip Fund Regular Growth?

A: The SBI Bluechip Fund Regular Growth has shown a five-year growth rate of 5.29%, which is relatively high.

7. What should you consider while investing in SIP?

A: When you invest in SIP, you should consider the Net Asset Value or the NAV. This is the investment you make for the scheme. You must also check its ratings and its historical performance. It is essential to understand the returns the SIP would produce to ensure that your investment is safe.

8. Is KYC important for SIP?

A: Yes, KYC is essential even for SIP. As the SIP falls under the mutual fund's scheme, you will have to provide KYC documents to invest in SIP.

9. Do SIPs have a minimum investment requirement?

A: Yes, some SIPs require minimum investments. For example, the Aditya Birla Sun Life Digital India Fund has a minimum SIP investment requirement of Rs.1000. The SBI Bluechip Fund Regular Growth has a minimum requirement of Rs.5000. Thus, depending on the SIP you are investing in, you will have to increase your investment amount.

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.
How helpful was this page ?
Rated 4.4, based on 14 reviews.
POST A COMMENT

Manoj Kumar, posted on 21 Jan 20 5:26 PM

helpful to invest in SIP

1 - 1 of 1