+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 ₹57.9947
↑ 2.59 ₹2,191 500 8.9 29.7 121.7 47.8 27.6 167.1 DSP World Mining Fund Growth ₹30.5962
↑ 0.75 ₹194 500 14 35 93.5 22.6 18 79 DSP World Energy Fund Growth ₹26.6311
↑ 0.32 ₹104 500 12.2 21.7 70.8 14.3 11.6 39.2 SBI Gold Fund Growth ₹43.5427
↑ 0.77 ₹15,700 500 10.2 26.2 62.9 33.1 25.6 71.5 ICICI Prudential Regular Gold Savings Fund Growth ₹45.1314
↓ 0.00 ₹6,535 100 9.6 25.6 62.9 33 25.4 72 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Mar 26 Research Highlights & Commentary of 5 Funds showcased
Commentary DSP World Gold Fund DSP World Mining Fund DSP World Energy Fund SBI Gold Fund ICICI Prudential Regular Gold Savings Fund Point 1 Lower mid AUM (₹2,191 Cr). Bottom quartile AUM (₹194 Cr). Bottom quartile AUM (₹104 Cr). Highest AUM (₹15,700 Cr). Upper mid AUM (₹6,535 Cr). Point 2 Oldest track record among peers (18 yrs). Established history (16+ yrs). Established history (16+ yrs). Established history (14+ yrs). Established history (14+ yrs). Point 3 Top rated. Rating: 3★ (upper mid). Rating: 2★ (lower mid). Rating: 2★ (bottom quartile). Rating: 1★ (bottom quartile). Point 4 Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 27.64% (top quartile). 5Y return: 18.02% (bottom quartile). 5Y return: 11.63% (bottom quartile). 5Y return: 25.64% (upper mid). 5Y return: 25.40% (lower mid). Point 6 3Y return: 47.83% (top quartile). 3Y return: 22.57% (bottom quartile). 3Y return: 14.31% (bottom quartile). 3Y return: 33.08% (upper mid). 3Y return: 32.99% (lower mid). Point 7 1Y return: 121.66% (top quartile). 1Y return: 93.54% (upper mid). 1Y return: 70.79% (lower mid). 1Y return: 62.94% (bottom quartile). 1Y return: 62.86% (bottom quartile). Point 8 Alpha: 6.90 (top quartile). Alpha: 0.00 (upper mid). Alpha: 0.00 (lower mid). 1M return: -7.89% (upper mid). 1M return: -7.98% (lower mid). Point 9 Sharpe: 4.06 (top quartile). Sharpe: 3.84 (upper mid). Sharpe: 2.51 (bottom quartile). Alpha: 0.00 (bottom quartile). Alpha: 0.00 (bottom quartile). Point 10 Information ratio: -1.08 (bottom quartile). Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Sharpe: 2.95 (lower mid). Sharpe: 2.66 (bottom quartile). DSP World Gold Fund
DSP World Mining Fund
DSP World Energy Fund
SBI Gold Fund
ICICI Prudential Regular Gold Savings 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 ₹57.9947
↑ 2.59 ₹2,191 500 8.9 29.7 121.7 47.8 27.6 167.1 Aditya Birla Sun Life Gold Fund Growth ₹42.9831
↑ 0.78 ₹1,782 100 11 24.5 60 33.8 25.2 72 Axis Gold Fund Growth ₹43.3091
↑ 1.06 ₹2,998 1,000 11.9 25.4 60.5 33.8 25.5 69.8 HDFC Gold Fund Growth ₹44.3187
↑ 0.89 ₹11,766 300 11.4 25.9 60.7 33.7 25.4 71.3 Nippon India Gold Savings Fund Growth ₹56.7879
↑ 1.00 ₹7,223 100 11.5 26.1 60.1 33.7 25.4 71.2 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Mar 26 Research Highlights & Commentary of 5 Funds showcased
Commentary DSP World Gold Fund Aditya Birla Sun Life Gold Fund Axis Gold Fund HDFC Gold Fund Nippon India Gold Savings Fund Point 1 Bottom quartile AUM (₹2,191 Cr). Bottom quartile AUM (₹1,782 Cr). Lower mid AUM (₹2,998 Cr). Highest AUM (₹11,766 Cr). Upper mid AUM (₹7,223 Cr). Point 2 Oldest track record among peers (18 yrs). Established history (14+ yrs). Established history (14+ yrs). Established history (14+ yrs). Established history (15+ yrs). Point 3 Top rated. Rating: 3★ (upper mid). Rating: 1★ (bottom quartile). Rating: 1★ (bottom quartile). Rating: 2★ (lower mid). 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: 27.64% (top quartile). 5Y return: 25.22% (bottom quartile). 5Y return: 25.46% (upper mid). 5Y return: 25.41% (lower mid). 5Y return: 25.36% (bottom quartile). Point 6 3Y return: 47.83% (top quartile). 3Y return: 33.83% (upper mid). 3Y return: 33.76% (lower mid). 3Y return: 33.73% (bottom quartile). 3Y return: 33.69% (bottom quartile). Point 7 1Y return: 121.66% (top quartile). 1Y return: 60.01% (bottom quartile). 1Y return: 60.52% (lower mid). 1Y return: 60.68% (upper mid). 1Y return: 60.15% (bottom quartile). Point 8 Alpha: 6.90 (top quartile). 1M return: -6.60% (bottom quartile). 1M return: -6.16% (top quartile). 1M return: -6.45% (lower mid). 1M return: -6.29% (upper mid). Point 9 Sharpe: 4.06 (top 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: -1.08 (bottom quartile). Sharpe: 2.57 (bottom quartile). Sharpe: 3.39 (upper mid). Sharpe: 3.01 (lower mid). Sharpe: 2.55 (bottom quartile). DSP World Gold Fund
Aditya Birla Sun Life Gold Fund
Axis Gold Fund
HDFC Gold Fund
Nippon India Gold Savings 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 ₹57.9947
↑ 2.59 ₹2,191 500 8.9 29.7 121.7 47.8 27.6 167.1 Nippon India Gold Savings Fund Growth ₹56.7879
↑ 1.00 ₹7,223 100 11.5 26.1 60.1 33.7 25.4 71.2 Kotak Gold Fund Growth ₹56.9215
↑ 0.98 ₹6,866 1,000 11.5 25.9 60.5 33.6 25.5 70.4 SBI PSU Fund Growth ₹32.6872
↓ 0.00 ₹6,545 500 -3.6 1.2 9.3 29.4 25.3 11.3 Invesco India PSU Equity Fund Growth ₹62.16
↑ 2.23 ₹1,511 500 -6.3 -2.8 8.6 27.5 23.2 10.3 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Mar 26 Research Highlights & Commentary of 5 Funds showcased
Commentary DSP World Gold Fund Nippon India Gold Savings Fund Kotak Gold Fund SBI PSU Fund Invesco India PSU Equity Fund Point 1 Bottom quartile AUM (₹2,191 Cr). Highest AUM (₹7,223 Cr). Upper mid AUM (₹6,866 Cr). Lower mid AUM (₹6,545 Cr). Bottom quartile AUM (₹1,511 Cr). Point 2 Oldest track record among peers (18 yrs). Established history (15+ yrs). Established history (15+ yrs). Established history (15+ yrs). Established history (16+ yrs). Point 3 Top rated. Rating: 2★ (lower mid). Rating: 1★ (bottom quartile). Rating: 2★ (bottom quartile). Rating: 3★ (upper mid). Point 4 Risk profile: High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: High. Risk profile: High. Point 5 5Y return: 27.64% (top quartile). 5Y return: 25.36% (lower mid). 5Y return: 25.47% (upper mid). 5Y return: 25.34% (bottom quartile). 5Y return: 23.19% (bottom quartile). Point 6 3Y return: 47.83% (top quartile). 3Y return: 33.69% (upper mid). 3Y return: 33.59% (lower mid). 3Y return: 29.38% (bottom quartile). 3Y return: 27.51% (bottom quartile). Point 7 1Y return: 121.66% (top quartile). 1Y return: 60.15% (lower mid). 1Y return: 60.49% (upper mid). 1Y return: 9.33% (bottom quartile). 1Y return: 8.60% (bottom quartile). Point 8 Alpha: 6.90 (top quartile). 1M return: -6.29% (top quartile). 1M return: -6.46% (upper mid). Alpha: 0.92 (upper mid). Alpha: -6.26 (bottom quartile). Point 9 Sharpe: 4.06 (top quartile). Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Sharpe: 1.90 (bottom quartile). Sharpe: 1.47 (bottom quartile). Point 10 Information ratio: -1.08 (bottom quartile). Sharpe: 2.55 (lower mid). Sharpe: 3.49 (upper mid). Information ratio: -0.27 (lower mid). Information ratio: -0.78 (bottom quartile). DSP World Gold Fund
Nippon India Gold Savings Fund
Kotak Gold Fund
SBI PSU Fund
Invesco India PSU Equity 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 (%) SBI Healthcare Opportunities Fund Growth ₹415.799
↑ 0.28 ₹4,077 500 -1.3 -1 1.2 24.2 16.3 -3.5 Nippon India Power and Infra Fund Growth ₹331.495
↑ 7.65 ₹7,128 100 -4.7 -4.1 5.1 23.7 21.9 -0.5 UTI Healthcare Fund Growth ₹272.06
↑ 0.84 ₹1,107 500 -4.5 -4.6 1.1 23.7 14.2 -3.1 DSP India T.I.G.E.R Fund Growth ₹303.699
↑ 5.66 ₹5,460 500 -3.5 -2.5 7.2 23.6 22.1 -2.5 Canara Robeco Infrastructure Growth ₹154.96
↑ 3.48 ₹933 1,000 -2.2 -3.5 8.7 23.4 21.8 0.1 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Mar 26 Research Highlights & Commentary of 5 Funds showcased
Commentary SBI Healthcare Opportunities Fund Nippon India Power and Infra Fund UTI Healthcare Fund DSP India T.I.G.E.R Fund Canara Robeco Infrastructure Point 1 Lower mid AUM (₹4,077 Cr). Highest AUM (₹7,128 Cr). Bottom quartile AUM (₹1,107 Cr). Upper mid AUM (₹5,460 Cr). Bottom quartile AUM (₹933 Cr). Point 2 Established history (21+ yrs). Established history (21+ yrs). Oldest track record among peers (26 yrs). Established history (21+ yrs). Established history (20+ yrs). Point 3 Rating: 2★ (lower mid). Top rated. Rating: 1★ (bottom quartile). Rating: 4★ (upper mid). Not Rated. Point 4 Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: High. Point 5 5Y return: 16.32% (bottom quartile). 5Y return: 21.94% (upper mid). 5Y return: 14.24% (bottom quartile). 5Y return: 22.09% (top quartile). 5Y return: 21.78% (lower mid). Point 6 3Y return: 24.17% (top quartile). 3Y return: 23.72% (upper mid). 3Y return: 23.67% (lower mid). 3Y return: 23.57% (bottom quartile). 3Y return: 23.38% (bottom quartile). Point 7 1Y return: 1.16% (bottom quartile). 1Y return: 5.12% (lower mid). 1Y return: 1.12% (bottom quartile). 1Y return: 7.19% (upper mid). 1Y return: 8.69% (top quartile). Point 8 Alpha: -1.63 (bottom quartile). Alpha: 0.23 (upper mid). Alpha: 0.62 (top quartile). Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Point 9 Sharpe: 0.55 (bottom quartile). Sharpe: 1.10 (lower mid). Sharpe: 0.72 (bottom quartile). Sharpe: 1.34 (top quartile). Sharpe: 1.30 (upper mid). Point 10 Information ratio: -0.25 (bottom quartile). Information ratio: 0.34 (top quartile). Information ratio: -0.39 (bottom quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). SBI Healthcare Opportunities Fund
Nippon India Power and Infra Fund
UTI Healthcare Fund
DSP India T.I.G.E.R Fund
Canara Robeco Infrastructure
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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