Best SIP Plans for 5 Years Investment 2025

Best SIP Plans in Equity Funds for 5 Years 

1. SBI PSU Direct Plan-Growth:

   • SBI PSU Direct Plan-Growth mutual fund invests primarily in equity and equity-related instruments of Public Sector Undertakings (PSUs).

   • Aims to provide long-term growth by capitalizing on the potential of Indian PSUs.

   • Suitable for investors with a moderate-to-high-risk appetite and a long-term investment horizon.

2. Motilal Oswal Midcap Fund Direct-Growth:

   • Focuses on investing in mid-sized companies with strong fundamentals and growth potential.

   • Seeks to generate superior returns by capitalizing on the growth opportunities in the midcap segment.

   • Involves higher risk compared to large-cap funds but also offers the potential for higher returns.

3. Aditya Birla Sun Life PSU Equity Fund Direct-Growth:

   • Aditya Birla Sun Life PSU Equity Fund Direct-Growth mutual fund invests predominantly in equity and equity-related instruments of Public Sector Undertakings (PSUs).

   • Seeks to provide long-term capital appreciation by capitalizing on the growth prospects of PSUs.

   • Suitable for investors with a moderate-to-high-risk appetite and a long-term investment horizon.

4. ICICI Prudential Infrastructure Direct-Growth:

   • Invests in companies operating in the infrastructure sector, such as construction, power, transportation, and telecom.

   • Aims to capitalize on the growth potential of the Indian infrastructure sector.

   • It is a high-risk mutual fund due to the cyclical nature of the infrastructure sector.

5. Invesco India PSU Equity Fund Direct-Growth:

   • Invests primarily in equity and equity-related instruments of Public Sector Undertakings (PSUs).

   • This mutual fund seeks to provide long-term capital appreciation by capitalizing on the growth prospects of PSUs.

   • Those looking for growth over an extended period and who are prepared to accept moderate to significant risk should consider this.

6. HDFC Infrastructure Direct Plan-Growth:

   • Invests in companies operating in the infrastructure sector, such as construction, power, transportation, and telecom.

   • Aims to capitalize on the growth potential of the Indian infrastructure sector.

   • Involves higher risk due to the cyclical nature of the infrastructure sector.

7. Nippon India Power & Infra Fund Direct-Growth:

   • Focuses on investing in companies operating in the power and infrastructure sectors.

   • Seeks to generate long-term capital appreciation by capitalizing on the growth potential of these sectors.

8. Bandhan Tax Advantage (ELSS) Direct Plan-Growth:

   • An Equity Linked Savings Scheme (ELSS) that offers tax benefits under Section 80C of the Income Tax Act.

   • Invests primarily in equities and equity-related instruments.

   • This ELSS mutual fund offers tax benefits along with the potential for long-term capital appreciation.

9. Franklin Build India Direct Fund Growth:

   • Focuses on investing in companies that contribute to India's growth and development.

   • Seeks to generate long-term capital appreciation by investing in companies across various sectors.

   • Involves moderate-to-high risk and is suitable for investors with a long-term investment horizon.

10. Bandhan Infrastructure Fund Direct Plan Growth:

    • Invests in companies operating in the infrastructure sector, such as construction, power, transportation, and telecom.

    • Aims to capitalize on the growth potential of the Indian infrastructure sector.

    • Involves higher risk due to the cyclical nature of the infrastructure sector.

SIP Calculator

I know my investment amount I know my goal amount

Monthly SIP Yearly SIP Lumpsum

I want to invest Pro Tip

Financial experts suggest that a person should invest 10-15% of their monthly income for long-term financial growth

/Month

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

Years

• 1
• 2
• 3
• 4
• 6
• 7
• 8
• 9
• 11
• 12
• 13
• 14
• 16
• 17
• 18
• 19
• 21
• 22
• 23
• 24
• 26
• 27
• 28
• 29
• 31
• 32
• 33
• 34
• 36
• 37
• 38
• 39
• 40

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

• 1
• 2
• 3
• 4
• 6
• 7
• 8
• 9
• 11
• 12
• 13
• 14
• 16
• 17
• 18
• 19
• 21
• 22
• 23
• 24
• 26
• 27
• 28
• 30

Total Wealth ₹22.4 L

View Plans

I want to save

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

Years

• 1
• 2
• 3
• 4
• 6
• 7
• 8
• 9
• 11
• 12
• 13
• 14
• 16
• 17
• 18
• 19
• 21
• 22
• 23
• 24
• 26
• 27
• 28
• 29
• 31
• 32
• 33
• 34
• 36
• 37
• 38
• 39
• 40

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

• 1
• 2
• 3
• 4
• 6
• 7
• 8
• 9
• 11
• 12
• 13
• 14
• 16
• 17
• 18
• 19
• 21
• 22
• 23
• 24
• 26
• 27
• 28
• 30

Monthly Investment ₹22.4 L

View Plans

Top Funds with High Returns (Past 7 Years)

16.82%

High Growth Fund

16.57%

Top 200 Fund

13.25%

Accelerator Mid-Cap Fund II

13.43%

Opportunities Fund

9.13%

Growth Plus Fund

11.71%

Accelerator Fund

12.71%

Grow Money Plus Fund

14.1%

Multiplier

10.7%

Equity Top 250 Fund

11.43%

Future Apex Fund

10.91%

Opportunities Fund

12.95%

Frontline Equity Fund

15.2%

Virtue II

9.52%

Pension Dynamic Equity Fund

11.03%

Top 300 Fund

9.19%

Blue-Chip Equity Fund

Best SIP Plans for 5 Years in Debt Funds 

Best SIP Plans in Debt Funds for 5-Year

1. Quant Liquid Direct Fund Growth

   • Low-risk, short-term debt fund.

   • Aims for capital preservation and steady returns.

   • Suitable for parking surplus funds or emergency corpus.

2. Aditya Birla Sun Life Medium Term Plan Direct-Growth

   • Moderately risky debt fund with a focus on medium-term bonds.

   • Seeks to generate higher returns than short-term debt mutual funds.

   • Suitable for investors with a moderate risk appetite and investment horizon of 3-5 years.

3. Bank of India Short-Term Income Fund Direct-Growth

   • Low-risk debt fund investing in short-term debt instruments.

   • Provides relatively stable returns with lower volatility.

   • Suitable for investors seeking capital preservation and regular income.

4. Mirae Asset Low Duration Fund Direct-Growth

   • Low-risk debt mutual fund investing in short-term debt instruments.

   • Aims to provide stable returns with lower volatility.

   • Suitable for investors seeking capital preservation and regular income.

5. Nippon India Credit Risk Fund Direct-Growth

   • Moderately risky debt fund investing in corporate bonds.

   • Seeks to generate higher returns than traditional debt funds.

   • Investors who can accept some risk and have a medium-term investment timeframe of 3 to 5 years would find this suitable.

6. UTI Dynamic Bond Fund Direct-Growth

   • Flexibly managed debt mutual fund that can invest across various maturities.

   • Seeks to generate consistent returns across market cycles.

   • Suitable for investors with a moderate risk appetite and a long-term investment horizon.

7. HDFC Regular Savings Fund Direct-Growth

   • Hybrid mutual fund that invests in a mix of equity and debt instruments.

   • Provides a blend of growth and stability.

   • Suitable for investors seeking a balanced approach to investing.

8. ICICI Prudential Dynamic Bond Direct Plan-Growth

   • Flexibly managed debt fund that can invest across various maturities.

   • Seeks to generate consistent returns across market cycles.

   • For investors seeking balanced risk and long-term growth, this option is appropriate.

9. UTI Banking & PSU Fund Direct-Growth

   • Debt mutual fund specializing in bonds issued by banks and public sector undertakings.

   • Offers relatively stable returns with lower credit risk.

   • Suitable for investors seeking a mix of safety and moderate returns.

10. Invesco India Credit Risk Fund Direct-Growth

    • Moderately risk debt mutual fund investing in corporate bonds.

    • Seeks to generate higher returns than traditional debt funds.

    • Designed for investors who can handle some risk and have a medium-term investment timeframe of 3 to 5 years.

Why Choose Best SIP Plans for 5-Year Investments? 

Here are some reasons why choosing the best SIP plans for 5-year investments can be a smart strategy:

• Power of Compounding: Over a 5-year timeframe, the power of compounding can significantly boost your returns. Regular investments through SIPs allow you to benefit from this effect as your returns earn further returns.

• Rupee Cost Averaging: SIPs help you implement rupee cost averaging, which means you invest a fixed amount at regular intervals. This strategy helps you buy more units when the market is down and fewer units when it's high, potentially lowering your overall average cost.

• Disciplined Investing: SIPs encourage disciplined investing by automating your mutual fund investments. This helps you stay on track with your investment goals and avoid missing out on market opportunities.

• Long-Term Wealth Creation: A 5-year investment horizon aligns well with the long-term growth potential of equity markets. By staying invested for the long term, you can potentially ride out market fluctuations and achieve significant wealth creation.

• Inflation-Beating Returns: Equity investments, through SIPs, have the potential to generate returns that outpace inflation over the long term, helping you maintain your purchasing power.

• Goal-Based Investing: SIPs can be a valuable tool for achieving specific financial goals, such as buying a house, funding your child's education, or planning for retirement. By choosing the right SIP mutual fund plans and investing consistently, you can increase your chances of achieving your goals.

Conclusion 

Choosing the best SIP plans for 5-year investments requires careful consideration of various factors, including risk tolerance, investment objectives, and the specific characteristics of different mutual fund schemes. By conducting thorough research, diversifying their portfolio across asset classes, and maintaining a long-term perspective, investors can effectively utilize SIPs to build wealth and achieve their financial aspirations over a 5-year timeframe. Remember that investing involves risks, and past performance is not indicative of future results.