Best SIP Funds^~

SIP is a method of investment in any market-linked product, the other being the lump sum or single payment method. A Systematic Investment Plan (SIP) is a method of disciplined investment in market-linked funds offered by fund houses, insurance companies, and other financial institutions. SIP ULIP funds can be broadly categorized under Large cap, Mid cap, Debt, and Hybrid funds.

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ULIP Plans

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Save upto ₹46,800 in Tax under section 80 C
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Top performing plans^˜ with High Returns^**

Invest ₹10K/month & Get ₹1 Crore^# returns

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Fund Details	Fund Size	NAV	5 Year	7 Year	10 Year
High Growth Fund Fund Size: 8,769 Cr	8,769 Cr	106.11 -0.91%	27.23% Highest Returns	19.59%	17.33%	Get Details
Top 200 Fund Fund Size: 2,072 Cr	2,072 Cr	161.78 -2.13%	31.25% Highest Returns	20.24%	16.94%	Get Details
Accelerator Mid-Cap Fund II Fund Size: 5,366 Cr	5,366 Cr	75.64 -0.47%	23.83% Highest Returns	11.55%	13.13%	Get Details
Opportunities Fund Fund Size: 34,818 Cr	34,818 Cr	70.65 -0.35%	25.29% Highest Returns	13.01%	13.73%	Get Details
Growth Plus Fund Fund Size: 512 Cr	512 Cr	35.25 -0.49%	18.8% Highest Returns	10.03%	9.46%	Get Details
Accelerator Fund Fund Size: 220 Cr	220 Cr	45.78 -0.59%	22.71% Highest Returns	14.65%	12.23%	Get Details
Grow Money Plus Fund Fund Size: 421 Cr	421 Cr	65.46 -1.03%	21.43% Highest Returns	13.77%	13.27%	Get Details
Multiplier Fund Size: 4,095 Cr	4,095 Cr	86.9 -0.50%	26.92% Highest Returns	12.33%	14.31%	Get Details
Equity Top 250 Fund Fund Size: 527 Cr	527 Cr	55.07 -0.64%	20.54% Highest Returns	11.29%	10.91%	Get Details
Future Apex Fund Fund Size: 87 Cr	87 Cr	52.47 -0.84%	24.82% Highest Returns	14.35%	12.02%	Get Details
Opportunities Fund Fund Size: 3,159 Cr	3,159 Cr	55.73 -0.84%	23.52% Highest Returns	12.79%	11.37%	Get Details
Frontline Equity Fund Fund Size: 4,047 Cr	4,047 Cr	65.87 -1.05%	24.82% Highest Returns	14.68%	13.56%	Get Details
Flexi Growth Fund Fund Size: 541 Cr	541 Cr	11.21 -0.11%	-	-	-	Get Details
Virtue II Fund Size: 3,132 Cr	3,132 Cr	66.05 -0.44%	23.2% Highest Returns	17.21%	15.2%	Get Details
Pension Dynamic Equity Fund Fund Size: 6 Cr	6 Cr	69.76 -1.18%	20.01% Highest Returns	11.3%	9.93%	Get Details
Top 300 Fund Fund Size: 1,812 Cr	1,812 Cr	54.04 -0.72%	18.3% Highest Returns	12.26%	11.39%	Get Details
Blue-Chip Equity Fund Fund Size: 1,267 Cr	1,267 Cr	33.65 -0.47%	17.95% Highest Returns	10.67%	9.47%	Get Details

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Best ULIP Funds - Consider the best performing ULIP funds to invest in 2025 with Policybazaar. Find the list of best ULIP funds in India on the basis of Returns, Latest Nav, Fund Size and Categories

Data source :

Returns as on 20-04-2025. The returns are the returns of best-performing fund in the plan

Disclaimer :
˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in

Best SIP Funds

Here is a list of top SIP funds in the financial market.

Fund Name	Fund Size	NAV	5 Year	7 Year	10 Year
TATA AIA Super Select Equity Fund - Large Cap	Rs. 936 Crore	45.73%	10.02%	12.73%	15.43%
Aditya Birla Capital Pure Equity - Large-cap	Rs. 1,120 Crore	40.94%	9.88%	14.73%	15.41%
TATA AIA Life Insurance Whole Life Mid Cap Equity Fund	Rs. 8,405 Crore	73.96%	10.80%	13.85%	19.08%
TATA AIA Life Insurance Top 200 Fund - Mid cap	Rs. 623 Crore	84.63%	16.18%	17.25%	17.17%
Ageas Federal Life Insurance Pure Fund - Debt	Rs. 322 Crores	29.76%	8.18%	10.89%	13.73%
Tata AIA Life Insurance Whole Life Income Fund	Rs. 800 Crores	31.77%	6.52%	7.81%	8.27%
TATA AIA Life Insurance Whole Life Stable Growth Fund - Hybrid	Rs. 168 Crore	39.92%	9.70%	10.18%	11.43%
Bharti AXA Life Save N Grow Money Fund	Rs. 71 Crore	41.80%	8.22%	9.42%	10.60%

Let us know in detail about the top SIP funds.

TATA AIA Super Select Equity Fund

Following are the main highlights of the TATA AIA Super Select Equity Fund:
- The date of inception of this fund is 16th October 2009.
- The total fund size is Rs. 936 crores approximately.
- The Net Value Asset (NAV) stands at 45.73% currently.
- The fund falls under the category of India Insurance Multi-cap.
- The number of equity holdings is 33, whereas other holdings are 2.
- The number of stock holdings is 45.
- 5-year returns are 10.02%, 7 years is 12.73%, whereas 10-year returns under the fund are 15.43%.
Aditya Birla Capital Pure Equity

Following are the main highlights of Aditya Birla Capital Pure Equity:
- The date of inception of this fund is 9th March 2012.
- The total fund size is Rs. 1,120 crores approximately.
- The Net Value Asset (NAV) stands at 40.94% currently.
- The fund falls under the category of India Insurance Multi-cap.
- The number of equity holdings is 46, bond holdings are 1, whereas other holdings are 2.
- The top 10 holding is 46%.
- 5-year returns are 9.88%, 7 years is 14.73%, whereas 10-year returns under the fund are 15.41%.
Tata AIA Life – Whole Life Mid Cap Equity Fund

Following are the main highlights of TATA AIA Life Whole Life Mid Cap Equity Fund:
- The date of inception of this fund is 8th January 2007.
- The total fund size is Rs. 8,405 crores approximately.
- The Net Value Asset (NAV) stands at 73.96% currently.
- 70% is the total assets in stocks.
- The number of stock holdings is 45.
- The top 10 holding is 23.56%.
- 5-year returns are 10.80%, 7 years is 13.85%, whereas 10-year returns under the fund are 19.08%.
TATA AIA Life Insurance Top 200 Fund

Following are the main highlights of TATA AIA Life Insurance Top 200 Fund:
- The date of inception of this fund is 12th January 2009.
- The total fund size is Rs. 2,442 crores approximately.
- The Net Value Asset (NAV) stands at 48.27% currently.
- The fund falls under the category of India Insurance Mid-cap.
- The number of equity holdings is 29, whereas other holdings are 3.
- The top 10 holding is 33%.
- 5-year returns are 16.18%, 7 years is 17.25%, whereas 10-year returns under the fund are 17.17%.
Ageas Federal Life Insurance Pure Fund

Following are the main highlights of Ageas Federal Life Insurance Pure Fund:
- The date of inception of this fund is 1st September 2010.
- The total fund size is Rs. 322 crores approximately.
- The current 1-day returns are 0.13%, and the Net Asset Value (NAV) stands at 29.76%.
- 5-year returns under this fund are 8.18%, 7 years is 10.89%, whereas the highest 10-year returns under the fund are 13.73%.
Tata AIA Life Insurance Whole Life Income Fund

Tata AIA Life Insurance Whole Life Income Fund is a ULIP (Unit Linked Insurance Plan) fund that principally invests in market fixed-income instruments. Following are the main highlights of Tata AIA Life Insurance Whole Life Income Fund:
- The date of inception of this fund is 3rd May 2018.
- The total fund size is Rs. 800 crores approximately.
- The Net Asset Value (NAV) stands at 31.77%.
- 5-year returns under this fund are 6.52%, 7 years is 7.81%, whereas the highest 10-year returns under the fund are 8.27%.
TATA AIA Life Insurance Whole Life Stable Growth Fund

Following are the main highlights of the TATA AIA Life Insurance Whole Life Stable Growth Fund:
- The date of inception of this fund is 3rd July 2006.
- The total fund size is Rs. 168 crores approximately.
- The Net Value Asset (NAV) stands at 39.92% currently.
- The fund falls under the category of India Insurance Balanced Allocation.
- The number of equity holdings is 10, bond holdings are 15, whereas other holdings are 3.
- The top 10 holding is 48%.
- 5-year returns are 9.70%, 7 years is 10.18%, whereas 10-year returns under the fund are 11.43%.
Bharti AXA Life Save N Grow Money Fund

Following are the main highlights of the Bharti AXA Life Save N Grow Money Fund:
- The date of inception of this fund is 21st August 2006.
- The total fund size is Rs. 71 crores approximately.
- The Net Value Asset (NAV) stands at 41.80% currently.
- The fund falls under the category of India Insurance Balanced Allocation.
- The number of equity holdings is 64, bond holdings are 25, whereas other holdings are 6.
- The top 10 holding is 41%.
- 5-year returns are 8.22%, 7 years is 9.42%, whereas 10-year returns under the fund are 10.60%.

To Sum up!

From large-cap funds to debt funds and from mid-cap to hybrid funds, many SIP funds are available in the market as per the investor's convenience and risk-taking ability. However, all investors should understand the financial market before putting their hard-earned money in any kind of fund.

Happy investing!

FAQ's

Q. How are SIP taxed?

A. SIPs are taxed as per the FIFO rule. The SIPs that you redeem first will be taxed first in FIFO or First in first out. For example, if you redeem part of your investment in one year, then that amount will be taxed in the first year under the 10% tab. Similarly, the investment that you redeem later will be taxed later.
Q. How do I invest in SIP?

A. You can make an online payment from the fund website through a credit or debit card.
You can also make a direct transfer from your bank account. Many banks offer an automated debit option through which money will be debited from your account on the determined date.
To avail of this facility, register yourself through the fund house website. Update KYC and your PAN details. You will receive the URN number from the fund house. Log in to your bank account and update the URN number and other details.
Q. Can non-salaried or people with fluctuating salaries invest in SIP?

A. Yes, you can invest in SIP even though you are a non-salaried individual or if you have a fluctuating salary. The minimum investment amount in SIP is Rs. 500 that is doable for individuals.
If you are worried about making timely payments because of your payment structure, you can opt for short-term or ultra-short-term funds.
Q. What is the benefit of rupee cost averaging in SIP?

A. You do not have to time the market when you invest through SIP. When you invest in a lump sum, you have to time the market. It means that you make an investment when the market is low and sell it when the market is higher.
It is not plausible regularly. Investments through SIPs are made irrespective of the market conditions. You purchase more stocks when the market is low and purchase less stock with the same amount when the market is rising. It averages the rupee cost. This helps in maintaining stability in the longer run.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
Tax benefit is subject to changes in tax laws
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in