Top 10 Best Performing SIP Plans 2022 - 2023

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Best Performing SIP Plans in India 2022

Updated on May 18, 2022 , 84785 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.

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 22 - 23

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2021 (%)
TATA Digital India Fund Growth	₹31.0293 ↑ 0.47	₹5,584	150	-14.1	-19.6	16.1	27.3	27.2	74.4
ICICI Prudential Technology Fund Growth	₹132.65 ↑ 2.18	₹8,478	100	-13.5	-19.7	17.6	31.7	27	75.7
Aditya Birla Sun Life Digital India Fund Growth	₹113.37 ↑ 1.77	₹3,161	100	-13.7	-18.2	12.5	29.5	26.3	70.5
SBI Technology Opportunities Fund Growth	₹129.599 ↑ 2.01	₹2,432	500	-11.9	-18.1	15.9	26.3	24	66.4
Principal Emerging Bluechip Fund Growth	₹183.316 ↑ 2.03	₹3,124	100	2.9	13.6	38.9	21.9	19.2
Franklin India Technology Fund Growth	₹276.97 ↓ -9.21	₹711	500	-14.8	-23.4	1.3	20.4	18.9	39
SBI Small Cap Fund Growth	₹99.5833 ↑ 1.21	₹12,098	500	-2.2	-6	15.1	25.2	18.2	47.6
Parag Parikh Long Term Equity Fund Growth	₹45.2887 ↑ 0.56	₹21,907	1,000	-6.5	-12.2	11.7	22.1	17.8	45.5
Sundaram Select Focus Fund Growth	₹264.968 ↓ -1.18	₹1,354	100	-5	8.5	24.5	17	17.3
Axis Mid Cap Fund Growth	₹61.23 ↑ 0.81	₹17,679	500	-6.1	-15	7.9	19.4	16.7	39.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 May 22

*List of funds based on Assets >= 200 Crore & Sorted on 5 Year Return.

1. 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 19.4% since its launch. Return for 2021 was 74.4% , 2020 was 54.8% and 2019 was 7.5% .

Below is the key information for TATA Digital India Fund

TATA Digital India Fund Growth
Launch Date	28 Dec 15
NAV (20 May 22)	₹31.0293 ↑ 0.47 (1.54 %)
Net Assets (Cr)	₹5,584 on 30 Apr 22
Category	Equity - Sectoral
AMC	Tata Asset Management Limited
Rating	Not Rated
Risk	High
Expense Ratio	1.73
Sharpe Ratio	1.08
Information Ratio	0
Alpha Ratio	0
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.

Date	Value
30 Apr 17	₹10,000
30 Apr 18	₹15,832
30 Apr 19	₹17,439
30 Apr 20	₹15,060
30 Apr 21	₹29,378
30 Apr 22	₹38,280

TATA Digital India Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹598,181.
Net Profit of ₹298,181 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 20 May 22

Duration	Returns
1 Month	-10.6%
3 Month	-14.1%
6 Month	-19.6%
1 Year	16.1%
3 Year	27.3%
5 Year	27.2%
10 Year
15 Year
Since launch	19.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2021	74.4%
2020	54.8%
2019	7.5%
2018	24.9%
2017	19.6%
2016	-6%
2015
2014
2013
2012

Fund Manager information for TATA Digital India Fund

Name	Since	Tenure
Meeta Shetty	9 Mar 21	1.14 Yr.
Venkat Samala	26 Nov 20	1.43 Yr.

Data below for TATA Digital India Fund as on 30 Apr 22

Equity Sector Allocation

Sector	Value
Technology	81.61%
Communication Services	9.63%
Industrials	3.84%
Consumer Cyclical	1.06%
Consumer Defensive	0.13%

Asset Allocation

Asset Class	Value
Cash	3.74%
Equity	96.26%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Infosys Ltd (Technology) Equity, Since 31 Jan 16 \| INFY	24%	₹1,335 Cr	8,519,598 ↑ 1,450,000
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Jan 16 \| TCS	10%	₹540 Cr	1,523,501 ↑ 150,000
HCL Technologies Ltd (Technology) Equity, Since 31 Jan 16 \| HCLTECH	7%	₹380 Cr	3,524,713
Tech Mahindra Ltd (Technology) Equity, Since 30 Apr 16 \| TECHM	7%	₹367 Cr	2,914,334 ↑ 250,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 21 \| BHARTIARTL	6%	₹336 Cr	4,544,200 ↑ 550,000
Larsen & Toubro Infotech Ltd (Technology) Equity, Since 28 Feb 21 \| LTI	4%	₹242 Cr	500,010 ↑ 119,050
Persistent Systems Ltd (Technology) Equity, Since 31 Jan 16 \| PERSISTENT	4%	₹239 Cr	552,558
Mphasis Ltd (Technology) Equity, Since 30 Sep 20 \| MPHASIS	4%	₹234 Cr	823,149 ↑ 106,371
Wipro Ltd (Technology) Equity, Since 31 Jul 18 \| WIPRO	3%	₹188 Cr	3,700,000 ↑ 500,000
Coforge Ltd (Technology) Equity, Since 31 Oct 21 \| COFORGE	3%	₹172 Cr	410,484

2. 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 12.3% since its launch. Ranked 37 in Sectoral category. Return for 2021 was 75.7% , 2020 was 70.6% and 2019 was 2.3% .

Below is the key information for ICICI Prudential Technology Fund

ICICI Prudential Technology Fund Growth
Launch Date	3 Mar 00
NAV (20 May 22)	₹132.65 ↑ 2.18 (1.67 %)
Net Assets (Cr)	₹8,478 on 30 Apr 22
Category	Equity - Sectoral
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆
Risk	High
Expense Ratio	2.53
Sharpe Ratio	1.07
Information Ratio	1.06
Alpha Ratio	6.65
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.

Date	Value
30 Apr 17	₹10,000
30 Apr 18	₹14,049
30 Apr 19	₹15,493
30 Apr 20	₹13,141
30 Apr 21	₹28,160
30 Apr 22	₹36,898

ICICI Prudential Technology Fund SIP 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 20 May 22

Duration	Returns
1 Month	-9.3%
3 Month	-13.5%
6 Month	-19.7%
1 Year	17.6%
3 Year	31.7%
5 Year	27%
10 Year
15 Year
Since launch	12.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2021	75.7%
2020	70.6%
2019	2.3%
2018	19.1%
2017	19.8%
2016	-4%
2015	3.9%
2014	26.3%
2013	62.6%
2012	17.1%

Fund Manager information for ICICI Prudential Technology Fund

Name	Since	Tenure
Priyanka Khandelwal	8 Jul 20	1.81 Yr.
Vaibhav Dusad	2 May 20	2 Yr.

Data below for ICICI Prudential Technology Fund as on 30 Apr 22

Equity Sector Allocation

Sector	Value
Technology	81.3%
Communication Services	10.89%
Industrials	1.26%
Consumer Cyclical	0.27%
Consumer Defensive	0%

Asset Allocation

Asset Class	Value
Cash	6.22%
Equity	93.73%
Other	0.06%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Infosys Ltd (Technology) Equity, Since 30 Apr 08 \| INFY	33%	₹2,927 Cr	15,350,671 ↑ 276,555
Wipro Ltd (Technology) Equity, Since 30 Sep 19 \| 507685	10%	₹843 Cr	14,237,984 ↑ 2,526,850
HCL Technologies Ltd (Technology) Equity, Since 30 Sep 20 \| HCLTECH	10%	₹836 Cr	7,180,738 ↑ 262,000
Tech Mahindra Ltd (Technology) Equity, Since 31 Oct 16 \| 532755	9%	₹774 Cr	5,163,544 ↑ 28,241
Bharti Airtel Ltd (Communication Services) Equity, Since 31 May 20 \| BHARTIARTL	6%	₹544 Cr	7,205,190 ↑ 80,602
Tata Consultancy Services Ltd (Technology) Equity, Since 30 Sep 19 \| TCS	4%	₹352 Cr	942,423 ↓ -168,311
Mphasis Ltd (Technology) Equity, Since 30 Jun 20 \| 526299	2%	₹178 Cr	527,295 ↓ -92,973
Cognizant Technology Solutions Corp Class A (Technology) Equity, Since 31 Jul 21 \| CTSH	2%	₹172 Cr	247,668 ↓ -59,790
MindTree Ltd (Technology) Equity, Since 30 Jun 20 \| 532819	1%	₹124 Cr	288,374 ↑ 43,000
Accenture PLC Class A (Technology) Equity, Since 28 Feb 21 \| ACN	1%	₹112 Cr	43,600 ↓ -7,000

3. Aditya Birla Sun Life Digital India Fund

(Erstwhile Aditya Birla Sun Life New Millennium Fund)

A multi-sector open-ended growth scheme with the objective of long term growth of capital, through a portfolio with a target allocation of 100% equity, focusing on investing in technology and technology dependent companies, hardware, peripherals and components, software, telecom, media, internet and e-commerce and other technology enabled companies. The secondary objective is income generation and distribution of dividend.

Aditya Birla Sun Life Digital India Fund is a Equity - Sectoral fund was launched on 15 Jan 00. It is a fund with High risk and has given a CAGR/Annualized return of 11.5% since its launch. Ranked 33 in Sectoral category. Return for 2021 was 70.5% , 2020 was 59% and 2019 was 9.6% .

Below is the key information for Aditya Birla Sun Life Digital India Fund

Aditya Birla Sun Life Digital India Fund Growth
Launch Date	15 Jan 00
NAV (20 May 22)	₹113.37 ↑ 1.77 (1.59 %)
Net Assets (Cr)	₹3,161 on 30 Apr 22
Category	Equity - Sectoral
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆
Risk	High
Expense Ratio	2.56
Sharpe Ratio	0.99
Information Ratio	1.08
Alpha Ratio	4.1
Min Investment	1,000
Min SIP Investment	100
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Apr 17	₹10,000
30 Apr 18	₹14,655
30 Apr 19	₹15,843
30 Apr 20	₹14,343
30 Apr 21	₹28,506
30 Apr 22	₹36,126

Aditya Birla Sun Life Digital India Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹584,107.
Net Profit of ₹284,107 Invest Now

Returns for Aditya Birla Sun Life 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 20 May 22

Duration	Returns
1 Month	-10.2%
3 Month	-13.7%
6 Month	-18.2%
1 Year	12.5%
3 Year	29.5%
5 Year	26.3%
10 Year
15 Year
Since launch	11.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2021	70.5%
2020	59%
2019	9.6%
2018	15.6%
2017	22.4%
2016	-3.5%
2015	11.2%
2014	21.1%
2013	50.2%
2012	3.7%

Fund Manager information for Aditya Birla Sun Life Digital India Fund

Name	Since	Tenure
Kunal Sangoi	15 Jan 14	8.3 Yr.

Data below for Aditya Birla Sun Life Digital India Fund as on 30 Apr 22

Equity Sector Allocation

Sector	Value
Technology	77.07%
Communication Services	9.84%
Industrials	7.11%
Consumer Cyclical	1.69%

Asset Allocation

Asset Class	Value
Cash	4.29%
Equity	95.71%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Infosys Ltd (Technology) Equity, Since 30 Apr 05 \| INFY	22%	₹685 Cr	4,371,816 ↑ 650,000
Tata Consultancy Services Ltd (Technology) Equity, Since 30 Apr 05 \| TCS	10%	₹310 Cr	875,450
HCL Technologies Ltd (Technology) Equity, Since 31 Dec 10 \| HCLTECH	8%	₹261 Cr	2,421,227 ↓ -202,704
Tech Mahindra Ltd (Technology) Equity, Since 31 May 13 \| TECHM	7%	₹229 Cr	1,814,943 ↑ 200,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Aug 19 \| BHARTIARTL	6%	₹189 Cr	2,551,670 ↑ 100,000
Wipro Ltd (Technology) Equity, Since 31 Jan 21 \| WIPRO	5%	₹166 Cr	3,261,888 ↓ -200,000
Cyient Ltd (Industrials) Equity, Since 31 May 14 \| CYIENT	3%	₹108 Cr	1,221,725 ↑ 33,062
MindTree Ltd (Technology) Equity, Since 30 Nov 20 \| MINDTREE	2%	₹79 Cr	221,745 ↑ 86,745
Coforge Ltd (Technology) Equity, Since 30 Jun 20 \| COFORGE	2%	₹78 Cr	185,774 ↑ 20,000
Mphasis Ltd (Technology) Equity, Since 29 Feb 20 \| MPHASIS	2%	₹76 Cr	265,923

4. SBI Technology Opportunities Fund

(Erstwhile SBI IT Fund)

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

SBI Technology Opportunities Fund is a Equity - Sectoral fund was launched on 9 Jan 13. It is a fund with High risk and has given a CAGR/Annualized return of 20.3% since its launch. Ranked 42 in Sectoral category. Return for 2021 was 66.4% , 2020 was 47.3% and 2019 was 12.2% .

Below is the key information for SBI Technology Opportunities Fund

SBI Technology Opportunities Fund Growth
Launch Date	9 Jan 13
NAV (20 May 22)	₹129.599 ↑ 2.01 (1.58 %)
Net Assets (Cr)	₹2,432 on 30 Apr 22
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆
Risk	High
Expense Ratio	2.61
Sharpe Ratio	0.99
Information Ratio	0.59
Alpha Ratio	4.76
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.

Date	Value
30 Apr 17	₹10,000
30 Apr 18	₹13,969
30 Apr 19	₹15,598
30 Apr 20	₹14,613
30 Apr 21	₹25,592
30 Apr 22	₹32,407

SBI Technology Opportunities Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 Invest Now

Returns for SBI Technology 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 20 May 22

Duration	Returns
1 Month	-8.6%
3 Month	-11.9%
6 Month	-18.1%
1 Year	15.9%
3 Year	26.3%
5 Year	24%
10 Year
15 Year
Since launch	20.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2021	66.4%
2020	47.3%
2019	12.2%
2018	17.1%
2017	13%
2016	-3.3%
2015	2.4%
2014	29.2%
2013
2012

Fund Manager information for SBI Technology Opportunities Fund

Name	Since	Tenure
Saurabh Pant	1 Jan 22	0.33 Yr.
Mohit Jain	1 Jan 22	0.33 Yr.

Data below for SBI Technology Opportunities Fund as on 30 Apr 22

Equity Sector Allocation

Sector	Value
Technology	70.75%
Communication Services	18.2%
Industrials	1.13%
Consumer Cyclical	0.82%

Asset Allocation

Asset Class	Value
Cash	9.1%
Equity	90.9%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Infosys Ltd (Technology) Equity, Since 31 Jan 03 \| INFY	24%	₹629 Cr	3,300,000
Alphabet Inc Class A (Communication Services) Equity, Since 30 Sep 18 \| GOOGL	8%	₹208 Cr	9,645
Tata Consultancy Services Ltd (Technology) Equity, Since 30 Apr 06 \| TCS	8%	₹207 Cr	553,680 ↓ -6,320
HCL Technologies Ltd (Technology) Equity, Since 31 Mar 06 \| HCLTECH	8%	₹198 Cr	1,700,000
Wipro Ltd (Technology) Equity, Since 30 Apr 21 \| 507685	7%	₹182 Cr	3,080,000
Tech Mahindra Ltd (Technology) Equity, Since 31 Aug 15 \| 532755	5%	₹136 Cr	909,735
Microsoft Corp (Technology) Equity, Since 31 Aug 20 \| MSFT	5%	₹133 Cr	56,000 ↑ 14,410
Bharti Airtel Ltd (Communication Services) Equity, Since 31 May 18 \| BHARTIARTL	5%	₹131 Cr	1,735,130
PVR Ltd (Communication Services) Equity, Since 31 Jan 22 \| PVR	4%	₹102 Cr	530,000
NVIDIA Corp (Technology) Equity, Since 30 Apr 21 \| NVDA	4%	₹99 Cr	47,000 ↑ 12,700

5. Principal Emerging Bluechip Fund

The primary objective of the Scheme is to achieve long-term capital appreciation by investing in equity & equity related instruments of mid cap & small cap companies.

Principal Emerging Bluechip Fund is a Equity - Large & Mid Cap fund was launched on 12 Nov 08. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 24.8% since its launch. Ranked 1 in Large & Mid Cap category. .

Below is the key information for Principal Emerging Bluechip Fund

Principal Emerging Bluechip Fund Growth
Launch Date	12 Nov 08
NAV (31 Dec 21)	₹183.316 ↑ 2.03 (1.12 %)
Net Assets (Cr)	₹3,124 on 30 Nov 21
Category	Equity - Large & Mid Cap
AMC	Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	2.08
Sharpe Ratio	2.74
Information Ratio	0.22
Alpha Ratio	2.18
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.

Date	Value
30 Apr 17	₹10,000
30 Apr 18	₹11,789
30 Apr 19	₹10,884
30 Apr 20	₹9,730
30 Apr 21	₹15,350

Principal Emerging Bluechip Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for Principal Emerging Bluechip Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 May 22

Duration	Returns
1 Month	2.9%
3 Month	2.9%
6 Month	13.6%
1 Year	38.9%
3 Year	21.9%
5 Year	19.2%
10 Year
15 Year
Since launch	24.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012

Fund Manager information for Principal Emerging Bluechip Fund

Name	Since	Tenure

Data below for Principal Emerging Bluechip Fund as on 30 Nov 21

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

6. Franklin India Technology Fund

To provide long-term capital appreciation by predominantly investing in equity and equity related securities of technology and technology related companies.

Franklin India Technology Fund is a Equity - Sectoral fund was launched on 22 Aug 98. It is a fund with High risk and has given a CAGR/Annualized return of 18.4% since its launch. Ranked 41 in Sectoral category. Return for 2021 was 39% , 2020 was 56.8% and 2019 was 12.4% .

Below is the key information for Franklin India Technology Fund

Franklin India Technology Fund Growth
Launch Date	22 Aug 98
NAV (19 May 22)	₹276.97 ↓ -9.21 (-3.22 %)
Net Assets (Cr)	₹711 on 30 Apr 22
Category	Equity - Sectoral
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆
Risk	High
Expense Ratio	2.51
Sharpe Ratio	0.36
Information Ratio	-0.26
Alpha Ratio	-8.3
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.

Date	Value
30 Apr 17	₹10,000
30 Apr 18	₹13,342
30 Apr 19	₹15,012
30 Apr 20	₹14,075
30 Apr 21	₹24,819
30 Apr 22	₹27,021

Franklin India Technology Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹481,656.
Net Profit of ₹181,656 Invest Now

Returns for Franklin India 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 20 May 22

Duration	Returns
1 Month	-11.1%
3 Month	-14.8%
6 Month	-23.4%
1 Year	1.3%
3 Year	20.4%
5 Year	18.9%
10 Year
15 Year
Since launch	18.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2021	39%
2020	56.8%
2019	12.4%
2018	11.9%
2017	19.1%
2016	-2.6%
2015	3.8%
2014	16.8%
2013	53.3%
2012	0.3%

Fund Manager information for Franklin India Technology Fund

Name	Since	Tenure
Anand Radhakrishnan	3 Mar 07	15.17 Yr.
Varun Sharma	30 Nov 15	6.42 Yr.
Mayank Bukrediwala	24 Aug 20	1.68 Yr.

Data below for Franklin India Technology Fund as on 30 Apr 22

Equity Sector Allocation

Sector	Value
Technology	60.84%
Communication Services	18.98%
Consumer Cyclical	8.93%
Industrials	2.94%
Financial Services	0.74%
Basic Materials	0.56%
Real Estate	0.13%
Health Care	0.05%

Asset Allocation

Asset Class	Value
Cash	6.55%
Equity	93.26%
Other	0.07%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Infosys Ltd (Technology) Equity, Since 29 Feb 12 \| INFY	17%	₹118 Cr	751,465
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Aug 04 \| TCS	15%	₹105 Cr	297,407
HCL Technologies Ltd (Technology) Equity, Since 30 Jun 14 \| HCLTECH	9%	₹67 Cr	620,392
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 18 \| BHARTIARTL	6%	₹44 Cr	600,000
Franklin Technology I Acc USD Investment Fund \| -	6%	₹42 Cr	116,868
Info Edge (India) Ltd (Communication Services) Equity, Since 31 Jan 17 \| NAUKRI	5%	₹34 Cr	73,699
Cyient Ltd (Industrials) Equity, Since 31 Dec 06 \| CYIENT	3%	₹21 Cr	236,084 ↑ 78,273
Tech Mahindra Ltd (Technology) Equity, Since 28 Feb 14 \| TECHM	3%	₹20 Cr	160,000
Zomato Ltd (Consumer Cyclical) Equity, Since 31 Jul 21 \| 543320	2%	₹18 Cr	2,468,616
MakeMyTrip Ltd (Consumer Cyclical) Equity, Since 31 Mar 20 \| MMYT	2%	₹16 Cr	82,135

7. SBI Small Cap Fund

(Erstwhile SBI Small & Midcap Fund)

The Scheme seeks to generate income and long term capital appreciation by investing in a diversified portfolio of predominantly in equity and equity related securities of small & midcap Companies

SBI Small Cap Fund is a Equity - Small Cap fund was launched on 9 Sep 09. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 19.9% since its launch. Ranked 4 in Small Cap category. Return for 2021 was 47.6% , 2020 was 33.6% and 2019 was 6.1% .

Below is the key information for SBI Small Cap Fund

SBI Small Cap Fund Growth
Launch Date	9 Sep 09
NAV (20 May 22)	₹99.5833 ↑ 1.21 (1.23 %)
Net Assets (Cr)	₹12,098 on 30 Apr 22
Category	Equity - Small Cap
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.97
Sharpe Ratio	1.99
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.

Date	Value
30 Apr 17	₹10,000
30 Apr 18	₹13,844
30 Apr 19	₹11,965
30 Apr 20	₹10,600
30 Apr 21	₹19,201
30 Apr 22	₹24,450

SBI Small Cap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹481,656.
Net Profit of ₹181,656 Invest Now

Returns for SBI 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 20 May 22

Duration	Returns
1 Month	-4.9%
3 Month	-2.2%
6 Month	-6%
1 Year	15.1%
3 Year	25.2%
5 Year	18.2%
10 Year
15 Year
Since launch	19.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2021	47.6%
2020	33.6%
2019	6.1%
2018	-19.6%
2017	78.7%
2016	1.3%
2015	20.6%
2014	110.7%
2013	7.8%
2012	31.9%

Fund Manager information for SBI Small Cap Fund

Name	Since	Tenure
R. Srinivasan	16 Nov 13	8.46 Yr.

Data below for SBI Small Cap Fund as on 30 Apr 22

Equity Sector Allocation

Sector	Value
Industrials	37.05%
Consumer Cyclical	25.44%
Basic Materials	16.56%
Consumer Defensive	5.69%
Health Care	3.46%
Financial Services	2.59%
Communication Services	0.02%

Asset Allocation

Asset Class	Value
Cash	9.06%
Equity	90.8%
Debt	0.14%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Sheela Foam Ltd (Consumer Cyclical) Equity, Since 31 Mar 19 \| SFL	5%	₹546 Cr	1,570,000
Vedant Fashions Ltd (Consumer Cyclical) Equity, Since 28 Feb 22 \| 543463	4%	₹440 Cr	4,547,646
Blue Star Ltd (Industrials) Equity, Since 30 Jun 18 \| BLUESTARCO	4%	₹421 Cr	4,000,000
Carborundum Universal Ltd (Industrials) Equity, Since 31 May 19 \| CARBORUNIV	3%	₹394 Cr	4,939,842
Elgi Equipments Ltd (Industrials) Equity, Since 31 Dec 13 \| 522074	3%	₹387 Cr	13,833,663
Narayana Hrudayalaya Ltd (Healthcare) Equity, Since 31 Dec 19 \| NH	3%	₹328 Cr	4,400,000
Navin Fluorine International Ltd (Basic Materials) Equity, Since 31 Mar 20 \| NAVINFLUOR	3%	₹322 Cr	790,000
Lemon Tree Hotels Ltd (Consumer Cyclical) Equity, Since 30 Sep 19 \| LEMONTREE	3%	₹317 Cr	50,000,000
Fine Organic Industries Ltd Ordinary Shares (Basic Materials) Equity, Since 31 Mar 19 \| FINEORG	3%	₹316 Cr	790,000
Triveni Turbine Ltd (Industrials) Equity, Since 31 Jan 19 \| 533655	3%	₹312 Cr	15,435,443

8. Parag Parikh Long Term Equity Fund

(Erstwhile Parag Parikh Long Term Value Fund)

The investment objective of the scheme is to seek to generate long-term capital growth from an actively managed portfolio primarily of equity and equity related securities.

Parag Parikh Long Term Equity Fund is a Equity - Multi Cap fund was launched on 24 May 13. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 18.3% since its launch. Ranked 34 in Multi Cap category. Return for 2021 was 45.5% , 2020 was 32.3% and 2019 was 14.4% .

Below is the key information for Parag Parikh Long Term Equity Fund

Parag Parikh Long Term Equity Fund Growth
Launch Date	24 May 13
NAV (20 May 22)	₹45.2887 ↑ 0.56 (1.25 %)
Net Assets (Cr)	₹21,907 on 30 Apr 22
Category	Equity - Multi Cap
AMC	PPFAS Asset Management Pvt. Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.97
Sharpe Ratio	1.21
Information Ratio	0.73
Alpha Ratio	2.19
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	0-365 Days (2%),365-730 Days (1%),730 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Apr 17	₹10,000
30 Apr 18	₹11,789
30 Apr 19	₹12,680
30 Apr 20	₹12,025
30 Apr 21	₹20,035
30 Apr 22	₹23,962

Parag Parikh Long Term Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 Invest Now

Returns for Parag Parikh Long Term Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 May 22

Duration	Returns
1 Month	-6.9%
3 Month	-6.5%
6 Month	-12.2%
1 Year	11.7%
3 Year	22.1%
5 Year	17.8%
10 Year
15 Year
Since launch	18.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2021	45.5%
2020	32.3%
2019	14.4%
2018	-0.4%
2017	29.4%
2016	3.3%
2015	8.9%
2014	44.8%
2013
2012

Fund Manager information for Parag Parikh Long Term Equity Fund

Name	Since	Tenure
Raj Mehta	27 Jan 16	6.26 Yr.
Rajeev Thakkar	24 May 13	8.94 Yr.
Raunak Onkar	24 May 13	8.94 Yr.

Data below for Parag Parikh Long Term Equity Fund as on 30 Apr 22

Equity Sector Allocation

Sector	Value
Financial Services	36.17%
Consumer Cyclical	13.14%
Technology	12.52%
Communication Services	11.67%
Consumer Defensive	8.88%
Health Care	5.11%
Utility	4.86%

Asset Allocation

Asset Class	Value
Cash	7.64%
Equity	92.36%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ITC Ltd (Consumer Defensive) Equity, Since 31 Mar 20 \| ITC	9%	₹1,945 Cr	74,936,399
Bajaj Holdings and Investment Ltd (Financial Services) Equity, Since 31 Oct 16 \| BAJAJHLDNG	8%	₹1,784 Cr	3,450,461 ↑ 14,714
Alphabet Inc Class A (Communication Services) Equity, Since 31 May 21 \| ABEA	7%	₹1,628 Cr	89,892
Microsoft Corp (Technology) Equity, Since 30 Apr 20 \| MSF	7%	₹1,578 Cr	712,983
Amazon.com Inc (Consumer Cyclical) Equity, Since 31 Jan 19 \| AMZN-RM	6%	₹1,414 Cr	64,002
Housing Development Finance Corp Ltd (Financial Services) Equity, Since 30 Apr 22 \| HDFC	6%	₹1,309 Cr	5,871,020 ↑ 5,871,020
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 14 \| ICICIBANK	5%	₹1,166 Cr	15,680,614
Axis Bank Ltd (Financial Services) Equity, Since 30 Jun 13 \| AXISBANK	5%	₹1,118 Cr	15,339,011
Power Grid Corp Of India Ltd (Utilities) Equity, Since 30 Sep 21 \| POWERGRID	5%	₹1,066 Cr	46,787,602
Hero MotoCorp Ltd (Consumer Cyclical) Equity, Since 31 Oct 18 \| HEROMOTOCO	5%	₹1,049 Cr	4,186,832

9. Sundaram Select Focus Fund

To achieve capital appreciation by investing in equity and equity related instruments of select stocks

Sundaram Select Focus Fund is a Equity - Focused fund was launched on 30 Jul 02. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 18.4% since its launch. Ranked 55 in Focused category. .

Below is the key information for Sundaram Select Focus Fund

Sundaram Select Focus Fund Growth
Launch Date	30 Jul 02
NAV (24 Dec 21)	₹264.968 ↓ -1.18 (-0.45 %)
Net Assets (Cr)	₹1,354 on 30 Nov 21
Category	Equity - Focused
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.52
Sharpe Ratio	1.85
Information Ratio	-0.52
Alpha Ratio	-5.62
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Apr 17	₹10,000
30 Apr 18	₹11,738
30 Apr 19	₹12,454
30 Apr 20	₹11,227
30 Apr 21	₹15,647

Sundaram Select Focus Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 Invest Now

Returns for Sundaram Select Focus Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 May 22

Duration	Returns
1 Month	-2.6%
3 Month	-5%
6 Month	8.5%
1 Year	24.5%
3 Year	17%
5 Year	17.3%
10 Year
15 Year
Since launch	18.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012

Fund Manager information for Sundaram Select Focus Fund

Name	Since	Tenure

Data below for Sundaram Select Focus Fund as on 30 Nov 21

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

10. Axis Mid Cap Fund

To achieve long term capital appreciation by investing predominantly in equity & equity related instruments of mid size companies. The focus of the fund would be to invest in relatively larger companies within this category.

Axis Mid Cap Fund is a Equity - Mid Cap fund was launched on 18 Feb 11. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 17.5% since its launch. Ranked 41 in Mid Cap category. Return for 2021 was 39.9% , 2020 was 26% and 2019 was 11.3% .

Below is the key information for Axis Mid Cap Fund

Axis Mid Cap Fund Growth
Launch Date	18 Feb 11
NAV (20 May 22)	₹61.23 ↑ 0.81 (1.34 %)
Net Assets (Cr)	₹17,679 on 30 Apr 22
Category	Equity - Mid Cap
AMC	Axis Asset Management Company Limited
Rating	☆
Risk	Moderately High
Expense Ratio	1.91
Sharpe Ratio	1.26
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Apr 17	₹10,000
30 Apr 18	₹12,451
30 Apr 19	₹12,570
30 Apr 20	₹12,559
30 Apr 21	₹19,172
30 Apr 22	₹22,931

Axis Mid Cap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 Invest Now

Returns for Axis Mid 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 20 May 22

Duration	Returns
1 Month	-7.5%
3 Month	-6.1%
6 Month	-15%
1 Year	7.9%
3 Year	19.4%
5 Year	16.7%
10 Year
15 Year
Since launch	17.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2021	39.9%
2020	26%
2019	11.3%
2018	3.5%
2017	42%
2016	-3.1%
2015	0.8%
2014	76.5%
2013	4.1%
2012	52.6%

Fund Manager information for Axis Mid Cap Fund

Name	Since	Tenure
Shreyash Devalkar	23 Nov 16	5.44 Yr.
Hitesh Das	18 Dec 20	1.36 Yr.

Data below for Axis Mid Cap Fund as on 30 Apr 22

Equity Sector Allocation

Sector	Value
Consumer Cyclical	20.94%
Financial Services	15.44%
Industrials	13.24%
Technology	12.47%
Basic Materials	10.76%
Health Care	5.93%
Consumer Defensive	2.67%
Utility	2.37%
Communication Services	1.45%
Real Estate	0.08%

Asset Allocation

Asset Class	Value
Cash	14.37%
Equity	85.63%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Cholamandalam Investment and Finance Co Ltd (Financial Services) Equity, Since 29 Feb 16 \| CHOLAFIN	5%	₹875 Cr	11,844,194
ICICI Bank Ltd (Financial Services) Equity, Since 30 Sep 19 \| ICICIBANK	4%	₹670 Cr	9,018,750
Astral Ltd (Industrials) Equity, Since 30 Nov 17 \| ASTRAL	3%	₹554 Cr	2,570,603
Trent Ltd (Consumer Cyclical) Equity, Since 30 Nov 17 \| TRENT	3%	₹552 Cr	4,494,345
Bajaj Finance Ltd (Financial Services) Equity, Since 30 Jun 17 \| BAJFINANCE	3%	₹524 Cr	785,000
Coforge Ltd (Technology) Equity, Since 31 May 20 \| COFORGE	3%	₹499 Cr	1,188,706 ↓ -18,515
Voltas Ltd (Industrials) Equity, Since 31 May 17 \| VOLTAS	3%	₹483 Cr	3,827,127 ↑ 237,896
Avenue Supermarts Ltd (Consumer Defensive) Equity, Since 31 Mar 17 \| DMART	3%	₹473 Cr	1,198,595
Bata India Ltd (Consumer Cyclical) Equity, Since 30 Nov 18 \| BATAINDIA	3%	₹451 Cr	2,316,371
PI Industries Ltd (Basic Materials) Equity, Since 31 Mar 19 \| PIIND	3%	₹449 Cr	1,576,532

How to Choose Best SIP Investment?

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.