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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  • 9.7 Crore Registered Consumer
  • 51 Partners Insurance Partners
  • 4.9 Crore Policies Sold

ULIP Plans

  • Plan starting from ₹1,000/month
  • Save upto ₹46,800 in Tax under section 80 C
  • Zero LTCG Tax
  • In built life cover

Top performing plans˜ with High Returns**

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9.7 Crore
Registered Consumer
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Insurance Partners
4.9 Crore
Policies Sold
Disclaimer: #The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds.
Fund Details
Fund Size
NAV
5 Year
7 Year
10 Year
High Growth Fund
Fund Size: 7,657 Cr
7,657 Cr
102.62 -2.47%
33.56% Highest Returns
19.72%
16.82%
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Top 200 Fund
Fund Size: 1,915 Cr
1,915 Cr
156.48 -1.85%
33.06% Highest Returns
20.69%
16.57%
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Accelerator Mid-Cap Fund II
Fund Size: 4,988 Cr
4,988 Cr
74.93 -1.64%
26.11% Highest Returns
11.93%
13.25%
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Opportunities Fund
Fund Size: 32,427 Cr
32,427 Cr
68.59 -1.36%
26.28% Highest Returns
13.34%
13.43%
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Growth Plus Fund
Fund Size: 488 Cr
488 Cr
34.03 -0.20%
18.66% Highest Returns
9.86%
9.13%
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Accelerator Fund
Fund Size: 206 Cr
206 Cr
43.95 -0.42%
24.62% Highest Returns
14.69%
11.71%
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Grow Money Plus Fund
Fund Size: 393 Cr
393 Cr
62.81 -0.33%
23.24% Highest Returns
13.96%
12.71%
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Multiplier
Fund Size: 3,726 Cr
3,726 Cr
83.06 -1.91%
27.71% Highest Returns
12.46%
14.1%
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Equity Top 250 Fund
Fund Size: 495 Cr
495 Cr
53.89 -0.44%
22.63% Highest Returns
11.76%
10.7%
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Future Apex Fund
Fund Size: 78 Cr
78 Cr
50.02 -0.60%
26.82% Highest Returns
14.16%
11.43%
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Opportunities Fund
Fund Size: 2,965 Cr
2,965 Cr
53.36 -0.50%
24.94% Highest Returns
12.68%
10.91%
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Frontline Equity Fund
Fund Size: 3,738 Cr
3,738 Cr
63.32 -0.55%
26.3% Highest Returns
14.88%
12.95%
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Flexi Growth Fund
Fund Size: 433 Cr
433 Cr
10.78 -0.05%
-
-
-
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Virtue II
Fund Size: 2,891 Cr
2,891 Cr
65.16 -0.62%
23.2% Highest Returns
17.21%
15.2%
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Pension Dynamic Equity Fund
Fund Size: 6 Cr
6 Cr
67.51 -0.19%
22.07% Highest Returns
11.38%
9.52%
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Top 300 Fund
Fund Size: 1,715 Cr
1,715 Cr
52.66 -0.14%
20.12% Highest Returns
12.44%
11.03%
Get Details
Blue-Chip Equity Fund
Fund Size: 1,193 Cr
1,193 Cr
32.73 -0.17%
19.84% Highest Returns
10.86%
9.19%
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 : value research

Returns as on 30-03-2025. 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.

  1. 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%.

  2. 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%.

  3. 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%.

  4. 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%.

  5. 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%.

  6. 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%.

  7. 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%.

  8. 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

Fund Reviews & Ratings
4.6 / 5 (Based on 1249 Reviews)
(Showing Newest 10 reviews)
Amit
Guwahati, March 26, 2025
Reliable and Safe Investment
Policybazaar is reliable for investment. HDFC Life Dynamic Advantage Fund performs well and is safe for long term.
Raghavan
Ranchi, March 25, 2025
Easy and Helpful Investment Process
Policybazaar made it easy to invest in HDFC Life Dynamic Advantage Fund NFO. Simple process helpful customer service very happy.
Priya
Coimbatore, March 21, 2025
Quick and Secure Investment
Simple quick and secure way to invest in HDFC Life NFOs. Policybazaar makes everything clear and support is excellent.
Meenal
Kochi, March 21, 2025
Stable Steady Returns
I like this fund. Returns are stable but not fast. Best for people who want slow and steady growth in their portfolio.
Venkatesh
Hyderabad, March 19, 2025
Simple and Transparent Process
I found HDFC Life NFOs through Policybazaars platform. Very good process easy to understand and no hidden charges. Satisfied.
Manisha
Bangalore, March 17, 2025
Good for Long term Growth
Best for long term goals. HDFC Life Advantage Fund NFO gives a good growth chance.
Karthik
Chennai, March 17, 2025
Balanced Long term Investment
I invested in HDFC Life Dynamic Advantage Fund. Its balanced but sometimes market changes give negative returns. Better for long term.
Shalini
Bhopal, March 16, 2025
Great Platform for Investment
Policybazaar helped me choose HDFC Life Dynamic Advantage Fund NFO. Great platform for easy investments and the process was simple.
Satyendra
Jodhpur, March 16, 2025
Hassle Free Investment Process
Investing HDFC Life NFOs through Policybazaar is very good. Simple to follow no hassle and good advice from experts.
Priyanka
Indore, March 15, 2025
Flexi Cap Fund
This fund is flexi cap. I like how it adapts to market. Returns are ok but need patience for better growth.
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