Top Mutual Funds SIP Returns Performance

Updated on September 21, 2023 , 68818 views

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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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 (%)	2022 (%)
HDFC Infrastructure Fund Growth	₹30.698 ↑ 0.14	₹781	300	23.8	34.9	41.2	37	11.5	19.3
HDFC Small Cap Fund Growth	₹101.791 ↑ 0.68	₹21,067	300	16.4	28.1	39.6	38.9	17.7	4.6
Principal Emerging Bluechip Fund Growth	₹183.316 ↑ 2.03	₹3,124	100	2.9	13.6	38.9	21.9	19.2
SBI PSU Fund Growth	₹18.7449 ↑ 0.17	₹633	500	18.7	27.6	38.6	29.1	11.8	29
Nippon India Power and Infra Fund Growth	₹219.386 ↑ 1.37	₹2,485	100	16.8	27.3	37.9	32.2	16.6	10.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 Aug 23

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 (%)	2022 (%)
Nippon India Small Cap Fund Growth	₹117.791 ↑ 1.09	₹34,469	100	17.9	29.5	36	42.1	21.8	6.5
HDFC Small Cap Fund Growth	₹101.791 ↑ 0.68	₹21,067	300	16.4	28.1	39.6	38.9	17.7	4.6
ICICI Prudential Infrastructure Fund Growth	₹120.77 ↑ 0.55	₹2,917	100	13.6	21.6	36.5	38.7	19.1	28.8
Franklin India Smaller Companies Fund Growth	₹120.688 ↑ 0.60	₹9,104	500	15.4	26	37.2	37.8	15.8	3.6
DSP BlackRock India T.I.G.E.R Fund Growth	₹205.603 ↑ 1.94	₹2,348	500	19.9	27.7	36.5	37.6	17.4	13.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 Aug 23

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 (%)	2022 (%)
HDFC Small Cap Fund Growth	₹101.791 ↑ 0.68	₹21,067	300	16.4	28.1	39.6	38.9	17.7	4.6
ICICI Prudential Infrastructure Fund Growth	₹120.77 ↑ 0.55	₹2,917	100	13.6	21.6	36.5	38.7	19.1	28.8
Franklin India Smaller Companies Fund Growth	₹120.688 ↑ 0.60	₹9,104	500	15.4	26	37.2	37.8	15.8	3.6
DSP BlackRock India T.I.G.E.R Fund Growth	₹205.603 ↑ 1.94	₹2,348	500	19.9	27.7	36.5	37.6	17.4	13.9
HDFC Infrastructure Fund Growth	₹30.698 ↑ 0.14	₹781	300	23.8	34.9	41.2	37	11.5	19.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 Aug 23

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 (%)	2022 (%)
Templeton India Value Fund Growth	₹516.709 ↑ 2.01	₹1,229	500	10.1	15.7	20.5	33.1	13.8	15.5
Nippon India Banking Fund Growth	₹449.013 ↑ 0.83	₹4,527	100	6.9	17.5	22.2	30.8	9.2	20.7
JM Value Fund Growth	₹67.9195 ↑ 0.51	₹205	500	18.6	25.3	36.4	30	15.4	5.3
HDFC Equity Fund Growth	₹1,304.66 ↑ 2.16	₹38,266	300	10.4	16	21.6	29.7	14.9	18.3
HDFC Growth Opportunities Fund Growth	₹236.297 ↑ 1.33	₹10,680	300	14.5	21.4	23.3	28.7	15.5	8.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 Aug 23

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”.

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Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.