+91-22-48913909Top Mutual Funds SIP Returns Performance
SIP Mutual Funds (or Top 10 SIP Mutual Funds) are funds that adhere to the simple formula of periodic investment to avoid nervous selling during the inevitable ups and downs of the stock market. Typically, SIP or Systematic Investment plan is an Investing mode to invest money in Mutual Funds. Investing in top 10 SIP Mutual Funds brings a systematic and disciplined approach to your investment. It reduces your effort to manage the SIP investment.
SIP offers leverage of the Power of Compounding leading to desired returns over time. There are different Types of Mutual Funds for SIP that include equity, debt, balanced and ultra-short term funds. However, Equity Mutual Funds offer maximum returns when invested via a SIP.
financial advisors suggest that the investors must invest in best mutual funds for SIP basis their investment objectives and the period of SIP investment.
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Fund Selection Methodology used to find 5 funds
Top 5 SIP Mutual Funds Returns in Past 5 Years
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) DSP World Gold Fund Growth ₹65.542
↑ 2.04 ₹1,756 500 52.1 105.9 199.1 55 28.7 167.1 DSP World Mining Fund Growth ₹31.9103
↑ 0.61 ₹154 500 41.3 70.6 103.8 21.4 19.8 79 SBI Gold Fund Growth ₹46.2807
↑ 1.34 ₹10,775 500 31.4 59.9 93.7 39 25 71.5 ICICI Prudential Regular Gold Savings Fund Growth ₹49.0192
↑ 1.39 ₹4,482 100 31.5 60 93.7 38.8 24.9 72 HDFC Gold Fund Growth ₹47.2778
↑ 1.33 ₹8,501 300 31.3 59.8 93.5 38.6 24.8 71.3 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 23 Jan 26 Research Highlights & Commentary of 5 Funds showcased
Commentary DSP World Gold Fund DSP World Mining Fund SBI Gold Fund ICICI Prudential Regular Gold Savings Fund HDFC Gold Fund Point 1 Bottom quartile AUM (₹1,756 Cr). Bottom quartile AUM (₹154 Cr). Highest AUM (₹10,775 Cr). Lower mid AUM (₹4,482 Cr). Upper mid AUM (₹8,501 Cr). Point 2 Oldest track record among peers (18 yrs). Established history (16+ yrs). Established history (14+ yrs). Established history (14+ yrs). Established history (14+ yrs). Point 3 Top rated. Rating: 3★ (upper mid). Rating: 2★ (lower mid). Rating: 1★ (bottom quartile). Rating: 1★ (bottom quartile). Point 4 Risk profile: High. Risk profile: High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 28.68% (top quartile). 5Y return: 19.83% (bottom quartile). 5Y return: 25.04% (upper mid). 5Y return: 24.94% (lower mid). 5Y return: 24.85% (bottom quartile). Point 6 3Y return: 55.03% (top quartile). 3Y return: 21.37% (bottom quartile). 3Y return: 38.95% (upper mid). 3Y return: 38.84% (lower mid). 3Y return: 38.59% (bottom quartile). Point 7 1Y return: 199.09% (top quartile). 1Y return: 103.82% (upper mid). 1Y return: 93.70% (lower mid). 1Y return: 93.70% (bottom quartile). 1Y return: 93.48% (bottom quartile). Point 8 Alpha: 1.32 (top quartile). Alpha: 0.00 (upper mid). 1M return: 15.10% (lower mid). 1M return: 15.01% (bottom quartile). 1M return: 14.97% (bottom quartile). Point 9 Sharpe: 3.42 (bottom quartile). Sharpe: 3.27 (bottom quartile). Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Alpha: 0.00 (bottom quartile). Point 10 Information ratio: -0.67 (bottom quartile). Information ratio: 0.00 (top quartile). Sharpe: 4.38 (upper mid). Sharpe: 4.33 (lower mid). Sharpe: 4.39 (top quartile). DSP World Gold Fund
DSP World Mining Fund
SBI Gold Fund
ICICI Prudential Regular Gold Savings Fund
HDFC Gold Fund
Top 5 SIP Mutual Funds Returns in Past 10 Years
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) DSP World Gold Fund Growth ₹65.542
↑ 2.04 ₹1,756 500 52.1 105.9 199.1 55 28.7 167.1 SBI Gold Fund Growth ₹46.2807
↑ 1.34 ₹10,775 500 31.4 59.9 93.7 39 25 71.5 ICICI Prudential Regular Gold Savings Fund Growth ₹49.0192
↑ 1.39 ₹4,482 100 31.5 60 93.7 38.8 24.9 72 Aditya Birla Sun Life Gold Fund Growth ₹45.9007
↑ 1.20 ₹1,266 100 31.2 59.8 93.1 38.7 24.9 72 Axis Gold Fund Growth ₹46.0285
↑ 1.39 ₹2,167 1,000 31.6 59.8 92.5 38.7 25 69.8 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 23 Jan 26 Research Highlights & Commentary of 5 Funds showcased
Commentary DSP World Gold Fund SBI Gold Fund ICICI Prudential Regular Gold Savings Fund Aditya Birla Sun Life Gold Fund Axis Gold Fund Point 1 Bottom quartile AUM (₹1,756 Cr). Highest AUM (₹10,775 Cr). Upper mid AUM (₹4,482 Cr). Bottom quartile AUM (₹1,266 Cr). Lower mid AUM (₹2,167 Cr). Point 2 Oldest track record among peers (18 yrs). Established history (14+ yrs). Established history (14+ yrs). Established history (13+ yrs). Established history (14+ yrs). Point 3 Top rated. Rating: 2★ (lower mid). Rating: 1★ (bottom quartile). Rating: 3★ (upper mid). Rating: 1★ (bottom quartile). Point 4 Risk profile: High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 28.68% (top quartile). 5Y return: 25.04% (upper mid). 5Y return: 24.94% (bottom quartile). 5Y return: 24.89% (bottom quartile). 5Y return: 25.01% (lower mid). Point 6 3Y return: 55.03% (top quartile). 3Y return: 38.95% (upper mid). 3Y return: 38.84% (lower mid). 3Y return: 38.72% (bottom quartile). 3Y return: 38.69% (bottom quartile). Point 7 1Y return: 199.09% (top quartile). 1Y return: 93.70% (upper mid). 1Y return: 93.70% (lower mid). 1Y return: 93.06% (bottom quartile). 1Y return: 92.55% (bottom quartile). Point 8 Alpha: 1.32 (top quartile). 1M return: 15.10% (upper mid). 1M return: 15.01% (bottom quartile). 1M return: 14.76% (bottom quartile). 1M return: 15.06% (lower mid). Point 9 Sharpe: 3.42 (bottom quartile). Alpha: 0.00 (upper mid). Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Alpha: 0.00 (bottom quartile). Point 10 Information ratio: -0.67 (bottom quartile). Sharpe: 4.38 (upper mid). Sharpe: 4.33 (bottom quartile). Sharpe: 4.49 (top quartile). Sharpe: 4.36 (lower mid). DSP World Gold Fund
SBI Gold Fund
ICICI Prudential Regular Gold Savings Fund
Aditya Birla Sun Life Gold Fund
Axis Gold Fund
Top 5 SIP Mutual Funds Returns in Past 15 Years
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) DSP World Gold Fund Growth ₹65.542
↑ 2.04 ₹1,756 500 52.1 105.9 199.1 55 28.7 167.1 Invesco India PSU Equity Fund Growth ₹65.85
↑ 0.82 ₹1,449 500 0.5 4.4 19.8 30.5 27.5 10.3 SBI PSU Fund Growth ₹33.8528
↑ 0.45 ₹5,817 500 1.6 6.5 19 30.4 29.7 11.3 Franklin India Opportunities Fund Growth ₹247.017
↓ -4.25 ₹8,380 500 -5.9 -3.3 4.1 28.2 20.3 3.1 Edelweiss Mid Cap Fund Growth ₹100.116
↑ 0.71 ₹13,650 500 -3.3 0.1 11 25.7 23.5 3.8 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 23 Jan 26 Research Highlights & Commentary of 5 Funds showcased
Commentary DSP World Gold Fund Invesco India PSU Equity Fund SBI PSU Fund Franklin India Opportunities Fund Edelweiss Mid Cap Fund Point 1 Bottom quartile AUM (₹1,756 Cr). Bottom quartile AUM (₹1,449 Cr). Lower mid AUM (₹5,817 Cr). Upper mid AUM (₹8,380 Cr). Highest AUM (₹13,650 Cr). Point 2 Established history (18+ yrs). Established history (16+ yrs). Established history (15+ yrs). Oldest track record among peers (25 yrs). Established history (18+ yrs). Point 3 Top rated. Rating: 3★ (upper mid). Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Point 4 Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: Moderately High. Risk profile: High. Point 5 5Y return: 28.68% (upper mid). 5Y return: 27.50% (lower mid). 5Y return: 29.66% (top quartile). 5Y return: 20.30% (bottom quartile). 5Y return: 23.49% (bottom quartile). Point 6 3Y return: 55.03% (top quartile). 3Y return: 30.53% (upper mid). 3Y return: 30.44% (lower mid). 3Y return: 28.17% (bottom quartile). 3Y return: 25.71% (bottom quartile). Point 7 1Y return: 199.09% (top quartile). 1Y return: 19.77% (upper mid). 1Y return: 19.02% (lower mid). 1Y return: 4.05% (bottom quartile). 1Y return: 11.00% (bottom quartile). Point 8 Alpha: 1.32 (top quartile). Alpha: -1.90 (lower mid). Alpha: -0.22 (upper mid). Alpha: -4.27 (bottom quartile). Alpha: -1.98 (bottom quartile). Point 9 Sharpe: 3.42 (top quartile). Sharpe: 0.27 (lower mid). Sharpe: 0.33 (upper mid). Sharpe: -0.10 (bottom quartile). Sharpe: -0.02 (bottom quartile). Point 10 Information ratio: -0.67 (bottom quartile). Information ratio: -0.37 (lower mid). Information ratio: -0.47 (bottom quartile). Information ratio: 1.69 (top quartile). Information ratio: 0.40 (upper mid). DSP World Gold Fund
Invesco India PSU Equity Fund
SBI PSU Fund
Franklin India Opportunities Fund
Edelweiss Mid Cap Fund
Top 5 SIP Mutual Funds Returns in Past 20 Years
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Franklin India Opportunities Fund Growth ₹247.017
↓ -4.25 ₹8,380 500 -5.9 -3.3 4.1 28.2 20.3 3.1 Nippon India Power and Infra Fund Growth ₹322.855
↑ 1.45 ₹7,117 100 -9.2 -5.6 3 24.2 24.9 -0.5 Sundaram Mid Cap Fund Growth ₹1,361.02
↑ 4.73 ₹13,293 100 -5.2 -0.8 11.5 24 21.1 4.1 ICICI Prudential Infrastructure Fund Growth ₹187.08
↑ 1.29 ₹8,134 100 -7.1 -4.3 7.9 23.6 29 6.7 DSP India T.I.G.E.R Fund Growth ₹298.176
↑ 1.15 ₹5,323 500 -6.5 -4.5 5.2 23.3 25 -2.5 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 23 Jan 26 Research Highlights & Commentary of 5 Funds showcased
Commentary Franklin India Opportunities Fund Nippon India Power and Infra Fund Sundaram Mid Cap Fund ICICI Prudential Infrastructure Fund DSP India T.I.G.E.R Fund Point 1 Upper mid AUM (₹8,380 Cr). Bottom quartile AUM (₹7,117 Cr). Highest AUM (₹13,293 Cr). Lower mid AUM (₹8,134 Cr). Bottom quartile AUM (₹5,323 Cr). Point 2 Oldest track record among peers (25 yrs). Established history (21+ yrs). Established history (23+ yrs). Established history (20+ yrs). Established history (21+ yrs). Point 3 Rating: 3★ (bottom quartile). Top rated. Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). Rating: 4★ (lower mid). Point 4 Risk profile: Moderately High. Risk profile: High. Risk profile: Moderately High. Risk profile: High. Risk profile: High. Point 5 5Y return: 20.30% (bottom quartile). 5Y return: 24.91% (lower mid). 5Y return: 21.05% (bottom quartile). 5Y return: 29.01% (top quartile). 5Y return: 25.00% (upper mid). Point 6 3Y return: 28.17% (top quartile). 3Y return: 24.17% (upper mid). 3Y return: 24.01% (lower mid). 3Y return: 23.64% (bottom quartile). 3Y return: 23.27% (bottom quartile). Point 7 1Y return: 4.05% (bottom quartile). 1Y return: 3.03% (bottom quartile). 1Y return: 11.46% (top quartile). 1Y return: 7.87% (upper mid). 1Y return: 5.17% (lower mid). Point 8 Alpha: -4.27 (bottom quartile). Alpha: -15.06 (bottom quartile). Alpha: -1.77 (lower mid). Alpha: 0.00 (top quartile). Alpha: 0.00 (upper mid). Point 9 Sharpe: -0.10 (lower mid). Sharpe: -0.20 (bottom quartile). Sharpe: -0.01 (upper mid). Sharpe: 0.12 (top quartile). Sharpe: -0.31 (bottom quartile). Point 10 Information ratio: 1.69 (top quartile). Information ratio: 0.34 (upper mid). Information ratio: 0.13 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Franklin India Opportunities Fund
Nippon India Power and Infra Fund
Sundaram Mid Cap Fund
ICICI Prudential Infrastructure Fund
DSP India T.I.G.E.R Fund
Why Should you Invest in SIP or Systematic Investment Plan?
Some of the benefits of investing in a SIP are:
Rupee Cost Averaging
The biggest benefit that a systematic investment plan offers is Rupee Cost Averaging which helps an individual to average out the cost of an asset purchase. While making a lump sum investment in a mutual fund a certain number of units are purchased by the investor all at once, in the case of 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.
Power of Compounding
Systematic Investment Plans also offer the benefit of the power of compounding. Simple interest is when you gain interest on only the principal. In the case of compound interest, the interest amount is added to the principal, and interest is calculated on the new principal (old principal plus gains). This process continues every time. Since the mutual funds in the SIP are in instalments, they are compounded, which adds more to the initially invested sum.
Habit of Saving
Apart from this Systematic Investment plans are a simple means to save money and what is an initially low investment over time would add to a large sum later on in life.
Affordability
SIPs are a very affordable option for the masses to start savings since the minimum amount required for each instalment (that too monthly!) can be as low as INR 500. Some Mutual Fund companies even offer something called a “MicroSIP” where the ticket size is as low as INR 100.
Risk Reduction
Given that a systematic investment plan is spread over a long period of time, one catches all periods of the stock market, the ups and more importantly the downturns. In downturns, when fear catches most investors, SIP instalments continue ensuring the investors buy “low”.
How to Invest in Mutual Fund SIP Online?
Open Free Investment Account for Lifetime at Fincash.com.
Complete your Registration and KYC Process
Upload Documents (PAN, Aadhaar, etc.). And, You are Ready to Invest!
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