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Top 10 Best Performing SIP Plans 2025 - 2026

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Best Performing SIP Plans in India 2025

Updated on May 14, 2025 , 192828 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.

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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 (%)
ICICI Prudential Infrastructure Fund Growth ₹190.84
↑ 0.98
₹7,214 100 14.14.37.933.240.627.4
Nippon India Small Cap Fund Growth ₹163.797
↑ 1.97
₹55,491 100 12.3-2.6528.340.526.1
Motilal Oswal Midcap 30 Fund  Growth ₹99.4291
↑ 0.40
₹26,028 500 8.5-2.819.232.538.357.1
IDFC Infrastructure Fund Growth ₹50.063
↑ 0.44
₹1,563 100 16.60.92.931.837.739.3
HDFC Infrastructure Fund Growth ₹46.934
↑ 0.29
₹2,329 300 15.32.9635.137.723
L&T Emerging Businesses Fund Growth ₹78.4816
↑ 1.02
₹13,334 500 10.4-5.72.924.137.328.5
Franklin India Smaller Companies Fund Growth ₹169.208
↑ 2.17
₹11,970 500 12.8-0.84.627.73723.2
HDFC Small Cap Fund Growth ₹132.441
↑ 1.36
₹30,223 300 11-1.36.926.436.920.4
Nippon India Power and Infra Fund Growth ₹342.091
↑ 3.39
₹6,849 100 16.11.22.23436.826.9
Franklin Build India Fund Growth ₹138.189
↑ 0.42
₹2,642 500 14.21.63.73336.627.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 16 May 25
*List of funds based on Assets >= 200 Crore & Sorted on 5 Year Return.

1. 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 16.1% 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 (16 May 25) ₹190.84 ↑ 0.98   (0.52 %)
Net Assets (Cr) ₹7,214 on 31 Mar 25
Category Equity - Sectoral
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk High
Expense Ratio 2.22
Sharpe Ratio 0.14
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
30 Apr 20₹10,000
30 Apr 21₹16,713
30 Apr 22₹23,306
30 Apr 23₹28,575
30 Apr 24₹47,499
30 Apr 25₹49,018

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 ₹810,071.
Net Profit of ₹510,071
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 16 May 25

DurationReturns
1 Month 7.1%
3 Month 14.1%
6 Month 4.3%
1 Year 7.9%
3 Year 33.2%
5 Year 40.6%
10 Year
15 Year
Since launch 16.1%
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 177.91 Yr.
Sharmila D’mello30 Jun 222.84 Yr.

Data below for ICICI Prudential Infrastructure Fund as on 31 Mar 25

Equity Sector Allocation
SectorValue
Industrials37.76%
Basic Materials20.96%
Financial Services15.36%
Utility9.33%
Energy6.59%
Communication Services1.87%
Consumer Cyclical0.9%
Real Estate0.82%
Asset Allocation
Asset ClassValue
Cash5.82%
Equity93.59%
Debt0.6%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 09 | LT
9%₹678 Cr1,940,000
↓ -112,790
Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 May 24 | ADANIPORTS
4%₹312 Cr2,637,644
↓ -57,680
Shree Cement Ltd (Basic Materials)
Equity, Since 30 Apr 24 | 500387
4%₹264 Cr86,408
↓ -12,000
NCC Ltd (Industrials)
Equity, Since 31 Aug 21 | NCC
4%₹262 Cr12,522,005
↑ 515,888
NTPC Ltd (Utilities)
Equity, Since 29 Feb 16 | 532555
3%₹250 Cr7,000,000
↓ -260,775
Vedanta Ltd (Basic Materials)
Equity, Since 31 Jul 24 | 500295
3%₹219 Cr4,723,662
↓ -200,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 16 | ICICIBANK
3%₹216 Cr1,600,000
↓ -390,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Jul 23 | RELIANCE
3%₹199 Cr1,559,486
↓ -150,000
Cummins India Ltd (Industrials)
Equity, Since 31 May 17 | 500480
3%₹194 Cr635,000
Kalpataru Projects International Ltd (Industrials)
Equity, Since 30 Sep 06 | 522287
3%₹186 Cr1,903,566

2. 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 21% 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 (16 May 25) ₹163.797 ↑ 1.97   (1.22 %)
Net Assets (Cr) ₹55,491 on 31 Mar 25
Category Equity - Small Cap
AMC Nippon Life Asset Management Ltd.
Rating
Risk Moderately High
Expense Ratio 1.55
Sharpe Ratio 0.07
Information Ratio 0.53
Alpha Ratio -0.23
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
30 Apr 20₹10,000
30 Apr 21₹19,886
30 Apr 22₹27,720
30 Apr 23₹30,657
30 Apr 24₹49,376
30 Apr 25₹49,414

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 ₹810,071.
Net Profit of ₹510,071
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 16 May 25

DurationReturns
1 Month 6.8%
3 Month 12.3%
6 Month -2.6%
1 Year 5%
3 Year 28.3%
5 Year 40.5%
10 Year
15 Year
Since launch 21%
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 178.33 Yr.
Kinjal Desai25 May 186.94 Yr.

Data below for Nippon India Small Cap Fund as on 31 Mar 25

Equity Sector Allocation
SectorValue
Industrials22.85%
Consumer Cyclical14.12%
Financial Services13.91%
Basic Materials12.5%
Consumer Defensive9.15%
Health Care8.25%
Technology8.09%
Energy1.92%
Utility1.9%
Communication Services1.47%
Real Estate0.5%
Asset Allocation
Asset ClassValue
Cash5.34%
Equity94.66%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Apr 22 | HDFCBANK
2%₹1,280 Cr6,650,000
Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 28 Feb 21 | MCX
2%₹1,134 Cr1,851,010
Dixon Technologies (India) Ltd (Technology)
Equity, Since 30 Nov 18 | DIXON
1%₹773 Cr470,144
Kirloskar Brothers Ltd (Industrials)
Equity, Since 31 Oct 12 | KIRLOSBROS
1%₹766 Cr4,472,130
Tube Investments of India Ltd Ordinary Shares (Industrials)
Equity, Since 30 Apr 18 | TIINDIA
1%₹724 Cr2,499,222
State Bank of India (Financial Services)
Equity, Since 31 Oct 19 | SBIN
1%₹718 Cr9,100,000
Karur Vysya Bank Ltd (Financial Services)
Equity, Since 28 Feb 17 | 590003
1%₹693 Cr31,784,062
Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 30 Sep 22 | 500103
1%₹624 Cr27,500,000
Emami Ltd (Consumer Defensive)
Equity, Since 31 Jul 23 | 531162
1%₹623 Cr9,970,126
NLC India Ltd (Utilities)
Equity, Since 31 Oct 22 | NLCINDIA
1%₹619 Cr27,190,940

3. 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 22.7% 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 (16 May 25) ₹99.4291 ↑ 0.40   (0.41 %)
Net Assets (Cr) ₹26,028 on 31 Mar 25
Category Equity - Mid Cap
AMC Motilal Oswal Asset Management Co. Ltd
Rating
Risk Moderately High
Expense Ratio 0.66
Sharpe Ratio 0.47
Information Ratio 0.63
Alpha Ratio 8.9
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
30 Apr 20₹10,000
30 Apr 21₹15,779
30 Apr 22₹22,526
30 Apr 23₹24,941
30 Apr 24₹40,218
30 Apr 25₹45,886

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 ₹773,746.
Net Profit of ₹473,746
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 16 May 25

DurationReturns
1 Month 10.4%
3 Month 8.5%
6 Month -2.8%
1 Year 19.2%
3 Year 32.5%
5 Year 38.3%
10 Year
15 Year
Since launch 22.7%
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 240.58 Yr.
Niket Shah1 Jul 204.83 Yr.
Rakesh Shetty22 Nov 222.44 Yr.
Sunil Sawant1 Jul 240.83 Yr.

Data below for Motilal Oswal Midcap 30 Fund  as on 31 Mar 25

Equity Sector Allocation
SectorValue
Technology29.99%
Consumer Cyclical16.64%
Industrials14.58%
Health Care4.76%
Communication Services3.95%
Real Estate3.03%
Basic Materials2.07%
Utility0.35%
Financial Services0.09%
Asset Allocation
Asset ClassValue
Cash32.1%
Equity67.9%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Persistent Systems Ltd (Technology)
Equity, Since 31 Jan 23 | PERSISTENT
10%₹2,794 Cr5,250,000
↑ 750,200
Coforge Ltd (Technology)
Equity, Since 31 Mar 23 | COFORGE
9%₹2,630 Cr3,600,000
↑ 350,000
Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 29 Feb 24 | KALYANKJIL
8%₹2,246 Cr43,490,250
↑ 3,495,625
Polycab India Ltd (Industrials)
Equity, Since 30 Sep 23 | POLYCAB
5%₹1,380 Cr2,500,000
↑ 275,000
Dixon Technologies (India) Ltd (Technology)
Equity, Since 31 Mar 23 | DIXON
4%₹1,210 Cr735,200
Trent Ltd (Consumer Cyclical)
Equity, Since 30 Nov 24 | 500251
4%₹1,105 Cr2,135,744
Bharti Hexacom Ltd (Communication Services)
Equity, Since 31 Oct 24 | BHARTIHEXA
4%₹1,098 Cr6,500,000
Max Healthcare Institute Ltd Ordinary Shares (Healthcare)
Equity, Since 31 Mar 24 | MAXHEALTH
4%₹1,095 Cr9,969,361
One97 Communications Ltd (Technology)
Equity, Since 30 Sep 24 | 543396
4%₹1,071 Cr12,388,500
KEI Industries Ltd (Industrials)
Equity, Since 30 Nov 24 | KEI
3%₹827 Cr2,700,000
↑ 200,000

4. 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 12% 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 (16 May 25) ₹50.063 ↑ 0.44   (0.88 %)
Net Assets (Cr) ₹1,563 on 31 Mar 25
Category Equity - Sectoral
AMC IDFC Asset Management Company Limited
Rating
Risk High
Expense Ratio 2.33
Sharpe Ratio 0.11
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
30 Apr 20₹10,000
30 Apr 21₹17,502
30 Apr 22₹22,498
30 Apr 23₹24,884
30 Apr 24₹44,570
30 Apr 25₹44,537

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 ₹756,118.
Net Profit of ₹456,118
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 16 May 25

DurationReturns
1 Month 7.8%
3 Month 16.6%
6 Month 0.9%
1 Year 2.9%
3 Year 31.8%
5 Year 37.7%
10 Year
15 Year
Since launch 12%
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 241.27 Yr.
Ritika Behera7 Oct 231.57 Yr.
Gaurav Satra7 Jun 240.9 Yr.

Data below for IDFC Infrastructure Fund as on 31 Mar 25

Equity Sector Allocation
SectorValue
Industrials56.16%
Utility13.16%
Basic Materials9.87%
Communication Services4.63%
Energy3.69%
Financial Services2.72%
Consumer Cyclical2.55%
Technology2.5%
Health Care1.93%
Asset Allocation
Asset ClassValue
Cash2.79%
Equity97.21%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Kirloskar Brothers Ltd (Industrials)
Equity, Since 31 Dec 17 | KIRLOSBROS
5%₹76 Cr443,385
Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 12 | LT
4%₹64 Cr183,173
UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Mar 14 | 532538
4%₹58 Cr50,452
Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 24 | RELIANCE
4%₹58 Cr452,706
GPT Infraprojects Ltd (Industrials)
Equity, Since 30 Nov 17 | GPTINFRA
4%₹57 Cr4,797,143
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 19 | BHARTIARTL
4%₹57 Cr330,018
Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 Dec 23 | ADANIPORTS
3%₹43 Cr365,137
Bharat Electronics Ltd (Industrials)
Equity, Since 31 Oct 19 | BEL
3%₹43 Cr1,431,700
KEC International Ltd (Industrials)
Equity, Since 30 Jun 24 | 532714
3%₹40 Cr512,915
PTC India Financial Services Ltd (Financial Services)
Equity, Since 31 Dec 23 | PFS
2%₹39 Cr12,400,122

5. HDFC Infrastructure Fund

To seek long-term capital appreciation by investing predominantly in equity and equity related securities of companies engaged in or expected to benefit from growth and development of infrastructure.

HDFC Infrastructure Fund is a Equity - Sectoral fund was launched on 10 Mar 08. It is a fund with High risk and has given a CAGR/Annualized return of since its launch.  Ranked 26 in Sectoral category.  Return for 2024 was 23% , 2023 was 55.4% and 2022 was 19.3% .

Below is the key information for HDFC Infrastructure Fund

HDFC Infrastructure Fund
Growth
Launch Date 10 Mar 08
NAV (16 May 25) ₹46.934 ↑ 0.29   (0.62 %)
Net Assets (Cr) ₹2,329 on 31 Mar 25
Category Equity - Sectoral
AMC HDFC Asset Management Company Limited
Rating
Risk High
Expense Ratio 2.31
Sharpe Ratio -0.01
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 300
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹15,304
30 Apr 22₹20,191
30 Apr 23₹23,618
30 Apr 24₹43,071
30 Apr 25₹43,168

HDFC 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 ₹756,118.
Net Profit of ₹456,118
Invest Now

Returns for HDFC 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 16 May 25

DurationReturns
1 Month 6.4%
3 Month 15.3%
6 Month 2.9%
1 Year 6%
3 Year 35.1%
5 Year 37.7%
10 Year
15 Year
Since launch
Historical performance (Yearly) on absolute basis
YearReturns
2024 23%
2023 55.4%
2022 19.3%
2021 43.2%
2020 -7.5%
2019 -3.4%
2018 -29%
2017 43.3%
2016 -1.9%
2015 -2.5%
Fund Manager information for HDFC Infrastructure Fund
NameSinceTenure
Srinivasan Ramamurthy12 Jan 241.3 Yr.
Dhruv Muchhal22 Jun 231.86 Yr.

Data below for HDFC Infrastructure Fund as on 31 Mar 25

Equity Sector Allocation
SectorValue
Industrials38.73%
Financial Services20.42%
Basic Materials10.95%
Utility7.64%
Energy7.08%
Communication Services3.68%
Health Care1.7%
Technology1.31%
Real Estate0.84%
Consumer Cyclical0.48%
Asset Allocation
Asset ClassValue
Cash6.07%
Equity92.83%
Debt1.1%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK
8%₹175 Cr1,300,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 12 | LT
6%₹133 Cr380,000
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Aug 23 | HDFCBANK
5%₹128 Cr700,000
J Kumar Infraprojects Ltd (Industrials)
Equity, Since 31 Oct 15 | JKIL
4%₹92 Cr1,450,000
NTPC Ltd (Utilities)
Equity, Since 31 Dec 17 | 532555
3%₹79 Cr2,200,000
InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Dec 21 | INDIGO
3%₹77 Cr150,000
Kalpataru Projects International Ltd (Industrials)
Equity, Since 31 Jan 23 | 522287
3%₹74 Cr758,285
Coal India Ltd (Energy)
Equity, Since 31 Oct 18 | COALINDIA
3%₹68 Cr1,700,000
Reliance Industries Ltd (Energy)
Equity, Since 31 May 24 | RELIANCE
3%₹64 Cr500,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 20 | BHARTIARTL
3%₹61 Cr350,000

6. 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 20.6% 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 (16 May 25) ₹78.4816 ↑ 1.02   (1.31 %)
Net Assets (Cr) ₹13,334 on 28 Feb 25
Category Equity - Small Cap
AMC L&T Investment Management Ltd
Rating
Risk High
Expense Ratio 1.73
Sharpe Ratio -0.4
Information Ratio -0.11
Alpha Ratio 1.44
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
30 Apr 20₹10,000
30 Apr 21₹19,121
30 Apr 22₹26,796
30 Apr 23₹29,556
30 Apr 24₹45,159
30 Apr 25₹43,663

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 ₹756,118.
Net Profit of ₹456,118
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 16 May 25

DurationReturns
1 Month 7.1%
3 Month 10.4%
6 Month -5.7%
1 Year 2.9%
3 Year 24.1%
5 Year 37.3%
10 Year
15 Year
Since launch 20.6%
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 195.37 Yr.
Cheenu Gupta1 Oct 231.58 Yr.
Sonal Gupta1 Oct 231.58 Yr.

Data below for L&T Emerging Businesses Fund as on 28 Feb 25

Equity Sector Allocation
SectorValue
Industrials26.11%
Consumer Cyclical15.8%
Financial Services13.58%
Basic Materials10.91%
Technology9.31%
Health Care5.7%
Real Estate4.71%
Consumer Defensive4.25%
Energy1.01%
Asset Allocation
Asset ClassValue
Cash6.28%
Equity93.72%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Neuland Laboratories Limited
Equity, Since 31 Jan 24 | -
2%₹339 Cr280,946
↓ -11,533
Aditya Birla Real Estate Ltd (Basic Materials)
Equity, Since 30 Sep 22 | 500040
2%₹313 Cr1,595,574
K.P.R. Mill Ltd (Consumer Cyclical)
Equity, Since 28 Feb 15 | KPRMILL
2%₹312 Cr3,445,300
↑ 158,403
The Federal Bank Ltd (Financial Services)
Equity, Since 30 Sep 22 | FEDERALBNK
2%₹300 Cr15,544,000
↑ 2,257,421
Time Technoplast Ltd (Consumer Cyclical)
Equity, Since 31 Jan 24 | TIMETECHNO
2%₹284 Cr6,810,500
Suven Pharmaceuticals Ltd (Healthcare)
Equity, Since 31 Mar 20 | SUVENPHAR
2%₹265 Cr2,298,085
Sumitomo Chemical India Ltd Ordinary Shares (Basic Materials)
Equity, Since 31 Oct 20 | SUMICHEM
2%₹261 Cr4,672,221
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 31 Jan 20 | AMBER
2%₹257 Cr356,138
KFin Technologies Ltd (Technology)
Equity, Since 31 Aug 24 | KFINTECH
2%₹250 Cr2,429,736
Karur Vysya Bank Ltd (Financial Services)
Equity, Since 31 Oct 22 | 590003
2%₹249 Cr11,912,400

7. Franklin India Smaller Companies Fund

The Fund seeks to provide long-term capital appreciation by investing in mid and small cap companies.

Franklin India Smaller Companies Fund is a Equity - Small Cap fund was launched on 13 Jan 06. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 15.8% since its launch.  Ranked 11 in Small Cap category.  Return for 2024 was 23.2% , 2023 was 52.1% and 2022 was 3.6% .

Below is the key information for Franklin India Smaller Companies Fund

Franklin India Smaller Companies Fund
Growth
Launch Date 13 Jan 06
NAV (16 May 25) ₹169.208 ↑ 2.17   (1.30 %)
Net Assets (Cr) ₹11,970 on 31 Mar 25
Category Equity - Small Cap
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk Moderately High
Expense Ratio 1.78
Sharpe Ratio -0.06
Information Ratio 0.27
Alpha Ratio -3.3
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
30 Apr 20₹10,000
30 Apr 21₹18,368
30 Apr 22₹24,081
30 Apr 23₹26,893
30 Apr 24₹43,206
30 Apr 25₹42,389

Franklin India Smaller Companies Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹756,118.
Net Profit of ₹456,118
Invest Now

Returns for Franklin India Smaller Companies Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 May 25

DurationReturns
1 Month 8.4%
3 Month 12.8%
6 Month -0.8%
1 Year 4.6%
3 Year 27.7%
5 Year 37%
10 Year
15 Year
Since launch 15.8%
Historical performance (Yearly) on absolute basis
YearReturns
2024 23.2%
2023 52.1%
2022 3.6%
2021 56.4%
2020 18.7%
2019 -5%
2018 -17.4%
2017 43.5%
2016 10.2%
2015 9.6%
Fund Manager information for Franklin India Smaller Companies Fund
NameSinceTenure
R. Janakiraman1 Feb 1114.25 Yr.
Sandeep Manam18 Oct 213.54 Yr.
Akhil Kalluri8 Sep 222.64 Yr.

Data below for Franklin India Smaller Companies Fund as on 31 Mar 25

Equity Sector Allocation
SectorValue
Industrials19.26%
Financial Services18.94%
Consumer Cyclical15.15%
Health Care11.27%
Basic Materials10.48%
Technology4.67%
Real Estate4.54%
Consumer Defensive3.5%
Utility2.72%
Energy0.93%
Communication Services0.01%
Asset Allocation
Asset ClassValue
Cash7.22%
Equity92.61%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Aster DM Healthcare Ltd Ordinary Shares (Healthcare)
Equity, Since 31 Jul 23 | ASTERDM
3%₹388 Cr8,018,630
Brigade Enterprises Ltd (Real Estate)
Equity, Since 30 Jun 14 | 532929
3%₹378 Cr3,868,691
Karur Vysya Bank Ltd (Financial Services)
Equity, Since 31 Oct 12 | 590003
2%₹293 Cr13,998,917
Deepak Nitrite Ltd (Basic Materials)
Equity, Since 31 Jan 16 | DEEPAKNTR
2%₹275 Cr1,387,967
Eris Lifesciences Ltd Registered Shs (Healthcare)
Equity, Since 30 Sep 19 | ERIS
2%₹265 Cr1,866,828
Equitas Small Finance Bank Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Oct 20 | EQUITASBNK
2%₹264 Cr48,064,081
Crompton Greaves Consumer Electricals Ltd (Consumer Cyclical)
Equity, Since 31 Jan 24 | CROMPTON
2%₹244 Cr6,900,000
ICICI Bank Ltd (Financial Services)
Equity, Since 28 Feb 21 | ICICIBANK
2%₹237 Cr1,759,945
J.B. Chemicals & Pharmaceuticals Ltd (Healthcare)
Equity, Since 30 Jun 14 | JBCHEPHARM
2%₹235 Cr1,448,723
Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 31 May 22 | KALYANKJIL
2%₹232 Cr4,963,469

8. HDFC Small Cap Fund

To provide long-term capital appreciation by investing predominantly in Small-Cap and Mid-Cap companies.

HDFC Small Cap Fund is a Equity - Small Cap fund was launched on 3 Apr 08. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 16.3% since its launch.  Ranked 9 in Small Cap category.  Return for 2024 was 20.4% , 2023 was 44.8% and 2022 was 4.6% .

Below is the key information for HDFC Small Cap Fund

HDFC Small Cap Fund
Growth
Launch Date 3 Apr 08
NAV (16 May 25) ₹132.441 ↑ 1.36   (1.03 %)
Net Assets (Cr) ₹30,223 on 31 Mar 25
Category Equity - Small Cap
AMC HDFC Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 1.64
Sharpe Ratio -0.09
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 300
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹19,025
30 Apr 22₹25,051
30 Apr 23₹28,876
30 Apr 24₹43,622
30 Apr 25₹42,575

HDFC 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 ₹738,840.
Net Profit of ₹438,840
Invest Now

Returns for HDFC 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 16 May 25

DurationReturns
1 Month 8.3%
3 Month 11%
6 Month -1.3%
1 Year 6.9%
3 Year 26.4%
5 Year 36.9%
10 Year
15 Year
Since launch 16.3%
Historical performance (Yearly) on absolute basis
YearReturns
2024 20.4%
2023 44.8%
2022 4.6%
2021 64.9%
2020 20.2%
2019 -9.5%
2018 -8.1%
2017 60.8%
2016 5.4%
2015 6.4%
Fund Manager information for HDFC Small Cap Fund
NameSinceTenure
Chirag Setalvad28 Jun 1410.85 Yr.
Dhruv Muchhal22 Jun 231.86 Yr.

Data below for HDFC Small Cap Fund as on 31 Mar 25

Equity Sector Allocation
SectorValue
Industrials23.44%
Consumer Cyclical18.16%
Technology13.98%
Health Care13.25%
Financial Services12.89%
Basic Materials7.16%
Consumer Defensive1.98%
Communication Services1.95%
Utility0.3%
Asset Allocation
Asset ClassValue
Cash6.88%
Equity93.12%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Firstsource Solutions Ltd (Technology)
Equity, Since 31 Mar 18 | FSL
6%₹1,847 Cr54,282,581
↓ -584,260
Aster DM Healthcare Ltd Ordinary Shares (Healthcare)
Equity, Since 30 Jun 19 | ASTERDM
4%₹1,176 Cr24,326,653
Bank of Baroda (Financial Services)
Equity, Since 31 Mar 19 | 532134
4%₹1,070 Cr46,828,792
eClerx Services Ltd (Technology)
Equity, Since 31 Mar 18 | ECLERX
3%₹1,041 Cr3,750,096
↑ 5,000
Fortis Healthcare Ltd (Healthcare)
Equity, Since 31 Jul 23 | 532843
3%₹870 Cr12,453,275
Eris Lifesciences Ltd Registered Shs (Healthcare)
Equity, Since 31 Jul 23 | ERIS
3%₹847 Cr5,974,796
↑ 3,139
Krishna Institute of Medical Sciences Ltd (Healthcare)
Equity, Since 31 Jul 23 | 543308
2%₹732 Cr11,442,105
Gabriel India Ltd (Consumer Cyclical)
Equity, Since 31 Oct 18 | GABRIEL
2%₹699 Cr12,056,000
Power Mech Projects Ltd (Industrials)
Equity, Since 31 Aug 15 | POWERMECH
2%₹671 Cr2,469,936
Sonata Software Ltd (Technology)
Equity, Since 31 Oct 17 | SONATSOFTW
2%₹601 Cr17,380,423
↑ 541,352

9. Nippon India Power and Infra Fund

(Erstwhile Reliance Diversified Power Sector Fund)

The primary investment objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies in the power sector.

Nippon India Power and Infra Fund is a Equity - Sectoral fund was launched on 8 May 04. It is a fund with High risk and has given a CAGR/Annualized return of 18.3% since its launch.  Ranked 13 in Sectoral category.  Return for 2024 was 26.9% , 2023 was 58% and 2022 was 10.9% .

Below is the key information for Nippon India Power and Infra Fund

Nippon India Power and Infra Fund
Growth
Launch Date 8 May 04
NAV (16 May 25) ₹342.091 ↑ 3.39   (1.00 %)
Net Assets (Cr) ₹6,849 on 31 Mar 25
Category Equity - Sectoral
AMC Nippon Life Asset Management Ltd.
Rating
Risk High
Expense Ratio 2.05
Sharpe Ratio -0.05
Information Ratio 1.15
Alpha Ratio 2.34
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
30 Apr 20₹10,000
30 Apr 21₹16,330
30 Apr 22₹20,832
30 Apr 23₹25,097
30 Apr 24₹44,420
30 Apr 25₹44,211

Nippon India Power and Infra Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹738,840.
Net Profit of ₹438,840
Invest Now

Returns for Nippon India Power and Infra Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 May 25

DurationReturns
1 Month 7.1%
3 Month 16.1%
6 Month 1.2%
1 Year 2.2%
3 Year 34%
5 Year 36.8%
10 Year
15 Year
Since launch 18.3%
Historical performance (Yearly) on absolute basis
YearReturns
2024 26.9%
2023 58%
2022 10.9%
2021 48.9%
2020 10.8%
2019 -2.9%
2018 -21.1%
2017 61.7%
2016 0.1%
2015 0.3%
Fund Manager information for Nippon India Power and Infra Fund
NameSinceTenure
Kinjal Desai25 May 186.94 Yr.
Rahul Modi19 Aug 240.7 Yr.

Data below for Nippon India Power and Infra Fund as on 31 Mar 25

Equity Sector Allocation
SectorValue
Industrials38.96%
Utility20.7%
Energy9.63%
Communication Services7.86%
Basic Materials7.5%
Consumer Cyclical4.3%
Real Estate3.02%
Financial Services2.18%
Health Care2.09%
Technology2.02%
Asset Allocation
Asset ClassValue
Cash0.52%
Equity99.48%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 18 | RELIANCE
8%₹576 Cr4,100,000
NTPC Ltd (Utilities)
Equity, Since 31 May 09 | 532555
8%₹550 Cr15,500,000
↑ 100,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 18 | BHARTIARTL
7%₹485 Cr2,600,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 07 | LT
6%₹449 Cr1,344,337
↓ -127,664
Tata Power Co Ltd (Utilities)
Equity, Since 30 Apr 23 | 500400
4%₹296 Cr7,700,789
↑ 570,000
UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Oct 19 | 532538
3%₹233 Cr200,000
↓ -40,038
Kaynes Technology India Ltd (Industrials)
Equity, Since 30 Nov 22 | KAYNES
3%₹213 Cr370,000
↓ -53,938
Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 30 Sep 24 | 500103
3%₹193 Cr8,513,730
↑ 513,730
CG Power & Industrial Solutions Ltd (Industrials)
Equity, Since 30 Sep 24 | 500093
3%₹192 Cr3,057,923
↑ 425,000
Carborundum Universal Ltd (Industrials)
Equity, Since 30 Sep 23 | CARBORUNIV
3%₹184 Cr1,800,000

10. Franklin Build India Fund

The Scheme seeks to achieve capital appreciation by investing in companies engaged directly or indirectly in infrastructure related activities.

Franklin Build India Fund is a Equity - Sectoral fund was launched on 4 Sep 09. It is a fund with High risk and has given a CAGR/Annualized return of 18.2% since its launch.  Ranked 4 in Sectoral category.  Return for 2024 was 27.8% , 2023 was 51.1% and 2022 was 11.2% .

Below is the key information for Franklin Build India Fund

Franklin Build India Fund
Growth
Launch Date 4 Sep 09
NAV (16 May 25) ₹138.189 ↑ 0.42   (0.31 %)
Net Assets (Cr) ₹2,642 on 31 Mar 25
Category Equity - Sectoral
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk High
Expense Ratio 2.13
Sharpe Ratio 0.09
Information Ratio 0
Alpha Ratio 0
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
30 Apr 20₹10,000
30 Apr 21₹16,108
30 Apr 22₹20,532
30 Apr 23₹23,797
30 Apr 24₹42,406
30 Apr 25₹42,952

Franklin Build 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 ₹738,840.
Net Profit of ₹438,840
Invest Now

Returns for Franklin Build 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 16 May 25

DurationReturns
1 Month 6.6%
3 Month 14.2%
6 Month 1.6%
1 Year 3.7%
3 Year 33%
5 Year 36.6%
10 Year
15 Year
Since launch 18.2%
Historical performance (Yearly) on absolute basis
YearReturns
2024 27.8%
2023 51.1%
2022 11.2%
2021 45.9%
2020 5.4%
2019 6%
2018 -10.7%
2017 43.3%
2016 8.4%
2015 2.1%
Fund Manager information for Franklin Build India Fund
NameSinceTenure
Ajay Argal18 Oct 213.54 Yr.
Kiran Sebastian7 Feb 223.23 Yr.
Sandeep Manam18 Oct 213.54 Yr.

Data below for Franklin Build India Fund as on 31 Mar 25

Equity Sector Allocation
SectorValue
Industrials34.52%
Utility13.44%
Energy12.09%
Financial Services11.98%
Communication Services7.87%
Basic Materials7.07%
Consumer Cyclical3.06%
Real Estate2.9%
Technology1.74%
Asset Allocation
Asset ClassValue
Cash5.33%
Equity94.67%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 20 | LT
9%₹232 Cr665,000
↓ -55,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 12 | ICICIBANK
6%₹162 Cr1,200,000
InterGlobe Aviation Ltd (Industrials)
Equity, Since 29 Feb 20 | INDIGO
6%₹153 Cr300,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Oct 21 | RELIANCE
6%₹153 Cr1,200,000
↑ 150,000
NTPC Ltd (Utilities)
Equity, Since 30 Nov 16 | 532555
6%₹148 Cr4,125,000
Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 30 Jun 19 | 500312
5%₹123 Cr5,000,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 09 | BHARTIARTL
5%₹123 Cr710,000
Axis Bank Ltd (Financial Services)
Equity, Since 31 Mar 12 | 532215
4%₹110 Cr1,000,000
↑ 100,000
Power Grid Corp Of India Ltd (Utilities)
Equity, Since 28 Feb 21 | 532898
4%₹98 Cr3,365,000
Tata Power Co Ltd (Utilities)
Equity, Since 31 Jan 25 | 500400
3%₹75 Cr2,000,000

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

helpful to invest in SIP

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