Best SIP Plans to Invest in India in 2025^~

Systematic Investment Plans (SIPs) have become a popular investment method for individuals looking to build wealth over time while managing risk. Through SIPs, investors can make regular, fixed investments in mutual funds, making it a disciplined approach to investing. This gradual investment method allows for cost averaging, helping investors mitigate the impact of market volatility. Choosing the best SIP to invest in depends on factors like risk tolerance, investment horizon, and financial goals.

SIP Insurance Plan Benefits

Start SIP with as low as ₹1000

No hidden charges

Save upto ₹46,800 in Taxunder section 80C^{^}

Zero LTCG Tax^¶

Disciplined & worry-free investing

Best SIP Plans in India in 2025^~

In 2025, the best SIP plans in India offer great scope of returns, low expense ratios, and consistent performance. There is a wide range of mutual funds SIP options available in today. Let us take a look at the list of best SIP to invest in 2025 in India:

Details of Mutual Fund Schemes for Best SIP Plans^~

Key details for selecting the best mutual funds for SIP are as follows:

Mirae Asset Large Cap Fund Direct Plan-Growth

Mirae Asset Large Cap Fund focuses on Financials, Technology, Energy, and Automobiles, with key holdings like HDFC Bank and Infosys. It offers consistent returns, making it a solid choice for long-term large-cap investments.
- NAV: ₹114.475 (as on 2025-02-21)
- AUM: ₹37845.29 Crs
- 1Y Returns: 7.1%
- Returns since inception: 15.95%
- Expense ratio: 0.59%
- Exit load: 1.0%
- Lock-in: NA
- Age: 11+ years
- Benchmark: NIFTY 100 TRI
- Min. Investment: SIP ₹1000 & Lumpsum ₹5000
- Category: Equity
- Risk: Very High Risk
- Short-term capital gains (STCG): Returns taxed at 20% if you redeem before 1 year.
- Long-term capital gains (LTCG): After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year.
Franklin India Bluechip Fund Direct-Growth

Franklin India Bluechip Fund Direct-Growth is a large-cap fund that aims to generate long-term capital appreciation by investing primarily in a portfolio of large-cap stocks.
- NAV: ₹1030.6326 (as on 2025-02-21)
- AUM: ₹7408.19 Crs
- 1Y Returns: 7.61%
- Returns since inception: 12.83%
- Expense ratio: 1.13%
- Exit load: 1.0%
- Lock-in: NA
- Age: 11+ years
- Benchmark: NIFTY 100 TRI
- Min. Investment: SIP ₹500 & Lumpsum ₹5000
- Category: Equity
- Risk: Very High
- Short-term capital gains (STCG): Returns taxed at 20% if you redeem before 1 year.
- Long-term capital gains (LTCG): After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year.
Canara Robeco Bluechip Equity Fund Direct Plan-Growth

Canara Robeco Bluechip Equity Fund Direct Plan-Growth focuses on investing in large-cap companies with strong fundamentals and long-term growth potential.
- NAV: ₹66.13 (as on 2025-02-21)
- AUM: ₹14579.48 Cr
- 1Y Returns: 9.8%
- Returns since inception: 15.01%
- Expense ratio: 0.51%
- Exit load: 1.0%
- Lock-in: NA
- Age: 11+ years
- Benchmark: BSE 100 TRI
- Min. Investment: SIP ₹1000 & Lump. ₹5000
- Category: Equity
- Risk: Very High Risk
- Short-term capital gains (STCG): Returns taxed at 20% if you redeem before 1 year.
- Long-term capital gains (LTCG): After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year.
Kotak Bluechip Direct Growth

Kotak Bluechip Direct Growth seeks to generate long-term capital appreciation by investing primarily in a diversified portfolio of large-cap stocks.
- NAV: ₹591.79 (as on 2025-02-21)
- AUM: ₹9267.66 Cr
- 1Y Returns: 7.65%
- Returns since inception: 14.72%
- Expense ratio: 0.61%
- Exit load: 1.0%
- Lock-in: NA
- Age: 11+ years
- Benchmark: NIFTY 100 TRI
- Min. Investment: SIP ₹1000 & Lump. ₹5000
- Category: Equity
- Risk: Very High Risk
- Short-term capital gains (STCG): Returns taxed at 20% if you redeem before 1 year.
- Long-term capital gains (LTCG): After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year.
Aditya Birla Sun Life Frontline Equity Fund Direct Plan-Growth

Aditya Birla Sun Life Frontline Equity Fund Direct Plan Growth invests primarily in a diversified portfolio of large-cap stocks with strong fundamentals and growth potential.
- NAV: ₹524.51 (as on 2025-02-21)
- AUM: ₹28080.88 Cr
- 1Y Returns: 6.79%
- Returns since inception: 14.55%
- Expense ratio: 1.01%
- Exit load: 1.0%
- Lock-in: NA
- Age: 11+ years
- Benchmark: NIFTY 100 TRI
- Min. Investment: SIP ₹500 & Lump. ₹1000
- Category: Equity
- Risk: Very High Risk
- Short-term capital gains (STCG): Returns taxed at 20% if you redeem before 1 year.
- Long-term capital gains (LTCG): After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year.
Edelweiss Large Cap Fund Growth

Edelweiss Large Cap Fund Growth invests primarily in a diversified portfolio of large-cap stocks with a focus on long-term value creation.
- NAV: ₹76.94 (as on 2025-02-21)
- AUM: ₹1108.38 Cr
- 1Y Returns: 4.48%
- Returns since inception: 13.82%
- Expense ratio: 2.16%
- Exit load: 1.0%
- Lock-in: NA
- Age: 11+ years old
- Benchmark: NIFTY 100 TRI
- Min. Investment: SIP ₹500 & Lump. ₹5000
- Category: Equity
- Risk: Very High Risk
- Short-term capital gains (STCG): Returns taxed at 20% if you redeem before 1 year.
- Long-term capital gains (LTCG): After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year.
PGIM India Large Cap Fund Direct Plan-Growth

PGIM India Large Cap Fund Direct Plan-Growth aims to generate long-term capital appreciation by investing primarily in a diversified portfolio of large-cap stocks.
- NAV: ₹364.4 (as on 2025-02-21)
- AUM: ₹570.93 Cr
- 1Y Returns: 4.44%
- Returns since inception: 13.49%
- Expense ratio: 0.87%
- Exit load: 0.5%
- Lock-in: NA
- Age: 11+ years
- Benchmark: NIFTY 100 TRI
- Min. Investment: SIP ₹1000 & Lump. ₹5000
- Category: Equity
- Risk: Very High
- Short-term capital gains (STCG): Returns taxed at 20% if you redeem before 1 year.
- Long-term capital gains (LTCG): After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year.
UTI Large Cap Fund Growth Option - Direct

UTI Large cap Fund Growth Option - Direct invests primarily in a diversified portfolio of large-cap stocks with a focus on long-term capital appreciation.
- NAV: ₹278.3384 (as on 2025-02-21)
- AUM: ₹12481.94 Cr
- 1Y Returns: 7.8%
- Returns since inception: 13.74%
- Expense ratio: 0.94%
- Exit load: 1.0%
- Lock-in: NA
- Age: 11+ years
- Benchmark: BSE 100 TRI
- Min. Investment: SIP ₹500 & Lump. ₹1000
- Category: Equity
- Risk: Very High
- Short-term capital gains (STCG): Returns taxed at 20% if you redeem before 1 year.
- Long-term capital gains (LTCG): After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year.
ICICI Prudential Bluechip Fund Growth

ICICI Prudential Bluechip Fund Growth invests primarily in a diversified portfolio of large-cap stocks with a focus on long-term capital appreciation.
- NAV: ₹100.14 (as on 2025-02-21)
- AUM: ₹63296.96 Cr
- 1Y Returns: 6.25%
- Returns since inception: 14.74%
- Expense ratio: 1.45%
- Exit load: 1.0%
- Lock-in: NA
- Age: 11+ years
- Benchmark: NIFTY 100 TRI
- Min. Investment: SIP ₹500 & Lump. ₹1000
- Category: Equity
- Risk: Very High Risk
- Short-term capital gains (STCG): Returns taxed at 20% if you redeem before 1 year.
- Long-term capital gains (LTCG): After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year.
Invesco India Largecap Fund Direct Plan-Growth

Invesco India largecap Fund Direct Plan-Growth invests primarily in a diversified portfolio of large-cap stocks with a focus on long-term capital appreciation.
- NAV: 73.27 (as on 2025-02-21)
- AUM: ₹1301.33 Cr
- 1Y Returns: 6.49%
- Returns since inception: 15.22%
- Expense ratio: 0.75%
- Exit load: 0%
- Lock-in: NA
- Age: 11+ years
- Benchmark: NIFTY 100 TRI
- Min. Investment: SIP ₹500 & Lump. ₹1000
- Category: Equity
- Risk: Very High
- Short-term capital gains (STCG): Returns taxed at 20% if you redeem before 1 year
- Long-term capital gains (LTCG): After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year

Choose the Best SIP Plans^~

5 YEARS SIP Plans

Returns upto 19%

7 YEARS SIP Plans

Returns upto 18%

10 YEARS SIP Plans

Returns upto 16%

12 YEARS SIP Plans

Returns upto 14%

15 YEARS SIP Plans

Returns upto 15%

20 YEARS SIP Plans

Returns upto 15%

When to Choose ULIPs vs When to Choose Mutual Funds?

When to choose ULIPs?

Looking for medium to long-
terminvestment
horizon

Want to grow wealth while
securing family future

Have a low to medium
risk appetite

You want to save on
your taxes

Want less stress during market
volatility

When to choose Mutual Funds?

A short-term or a
medium-term investment horizon

Want to only grow wealth

Have a high or medium
risk appetite

Want high liquidity with no tax
saving

Have knowledge & expertise to
manage market volatility

View Plans

Why Invest in Best SIP Plans in 2025?^~

One of the most common reasons why people are attracted to investing in the best SIP plans is the inculcation of regular savings habits in small and regular intervals.

Investment of small amounts

You can make regular deposits in SIPs with an investment amount as low as ₹100 or even ₹500, which is why it is considered one of the best investment plans. The amount of investment under the chosen SIP plan is not a barrier, making it easy and approachable to the masses.

Rupee cost averaging

As we know that the equity market is volatile in nature, rupee cost averaging helps you to purchase more units of the mutual fund SIP when the prices are low and less when the market is booming. SIPs are beneficial for investors who purchase more units at lower price rather than fewer units at high prices.

Option to run multiple SIPs

An SIP plan in mutual funds allows you to invest in a variety of assets rather than putting all your bets on 1 or 2 funds. The choice of assets and best SIP plan, if made wisely, can be very beneficial for investors seeking high long-term growth.

Flexibility

The best SIP to invest in provides you with an option to start and stop your SIP at your wish. SIP mutual funds offers great flexibility even if the invested amount is low.

Taxation on Best SIP Investment^~

The taxation of SIPs depends on the type of mutual fund you invest in and the holding period. There are two main types of mutual funds:

Equity mutual funds: These funds invest primarily in stocks.

Debt mutual funds: These funds invest primarily in bonds and other debt instruments.

Taxation of Equity Mutual Funds

If you invest in an equity mutual fund through a SIP, the gains you make are taxed as capital gains. There are two types of capital gains:

Short-term capital gains: These are gains made on investments held for less than 1 year.
Long-term capital gains: These are gains made on investments held for 1 year or more.

Tax Rates for Equity Mutual Funds

The tax rates for equity mutual funds are as follows:

Short-term capital gains: 15%
Long-term capital gains: 10% (without indexation)

Taxation of Debt Mutual Funds

If you invest in a debt mutual fund through a SIP, the gains you make are also taxed as capital gains. However, the tax rates are different than for equity mutual funds.

Tax Rates for Debt Mutual Funds

The tax rates for debt mutual funds are as follows:

Short-term capital gains: Taxed according to your income tax slab
Long-term capital gains: 20% (with indexation)

Indexation

Indexation is a process that adjusts the purchase price of your investment for inflation. This reduces your capital gains and therefore your tax liability. Indexation is only available for long-term capital gains on debt mutual funds.

Tax Benefits of SIPs

There are a few tax benefits associated with SIP investments.

Tax deduction under Section 80C: You can claim a tax deduction of up to Rs. 1.5 lakh per year for investments in Equity Linked Savings Schemes (ELSS) through SIPs.
No tax on dividends: Dividends from mutual funds are tax-free.

Important Points to Remember Before Investing in Best SIP Plans 2025^~

Start Investing Early in SIPs: You must start investing early to earn high returns in the long term and gain more benefits from the chosen best SIP plan. The longer the tenure of investing, the higher the returns.

Understand Your Financial Needs: Identify your financial goals, whether it's retirement planning, children's education, or a down payment on a house. This will help you choose the right SIPs and investment horizon.

Invest in Different SIPs for Particular Goals: Don't put all your eggs in one basket. Diversify your portfolio by investing in SIPs with different risk profiles and asset classes to match your specific goals.

Assess Your Risk Appetite: Everyone has a different risk tolerance. Choose the best SIP investment that aligns with your risk appetite to enjoy worryless investing.

Choose the Right Fund Type: There are various SIPs available, each with its own investment objective and risk level. Choose SIPs that invest in assets like equity, debt, or hybrid, depending on your goals and risk profile.

Consider the Expense Ratio: The expense ratio is the fee charged by the mutual fund house for managing your SIP. Choose SIPs with a lower expense ratio to maximise your returns.

Start Small and Invest Regularly: You don't need a huge amount to start investing in SIPs. Start small and invest regularly to build a disciplined savings habit.

Be Patient and Stay Invested: Investing is a long-term game. Don't get discouraged by market fluctuations. Stay invested and be patient to reap the rewards of compounding.

Common Customer Questions Asked on Forums

Which SIP should I buy for 5 years?

Potential Options (Note: Past performance is not indicative of future results):

Large-Cap Funds: Invest in established, large companies. Generally less volatile.
- Examples: SBI Bluechip Fund, HDFC Top 200 Fund
Mid-Cap Funds: Invest in medium-sized companies with higher growth potential but also higher risk.
- Examples: Kotak Emerging Equity Fund, Mirae Asset Emerging Bluechip Fund
Multi-Cap Funds: Invest across large, mid, and small-cap companies, offering diversification.
- Examples: Canara Robeco Equity Diversified Fund, Parag Parikh Flexi Cap Fund

Which SIP is best for me for 1 and 3 years with an investment of 1,000-2,000 monthly?

Given the shorter time horizon, consider:

Large-Cap or Multi-Cap Funds: These may offer a better balance of risk and return for shorter investment periods.
Debt Funds: For a portion of your investment, consider debt funds for a bit more stability.

Is SIP really a good investment method?

Yes, SIPs (Systematic Investment Plans) can be a good investment method because:

Rupee Cost Averaging: Helps you buy more units when prices are low and fewer when prices are high, reducing the impact of market volatility.
Discipline and Consistency: Automating your investments makes it easier to stick to your savings plan.
Power of Compounding: Over time, your returns can grow significantly due to the compounding effect.
Accessibility: SIPs are easily accessible through various platforms.

Summing It Up

SIPs offer you the best investment plans for building a large corpus by making little-by-little investments over a long period. These plans can be bought and invested in anywhere and by anyone. Disciplined investing, diversification of risk portfolios, and rupee cost-averaging benefits are the best features of the SIP investment plans. Choose the best SIP plans discussed in this article and make your choices intelligently.

Frequently Asked Questions

Which SIP is best for 1 year?

Below is the table of best SIP plans that have been performing well in India over the past year:

Mutual Funds	Returns
IDBI India Top 100 Equity Fund	18.4%
Kotak Nifty Next 50 Index Fund	18.4
SBI Focused Equity FundMotilal Oswal Nifty Next 50 Index Fund	18.2%
HDFC Top 100 Fund	12.6%
SBI Nifty Next 50 Index Fund	18.1%

Which SIP is best for 10 years?

Here are the best SIP plans that have consistently performed well over the past 10 years and could be good options for you to consider:

Mirae Asset Large Cap Fund
ICICI Prudential Opportunity Fund
HDFC Small Cap Fund
DSP Small Cap Fund
Quant Active Fund

Can you get a 20% return in SIP?

Yes, you can get 20% return from investing in an SIP plan, but it is not guaranteed and depends on several factors:

Investment horizon
Risk tolerance
Fund selection
Market conditions

Which SIP plan is best for beginners?

Here are the best SIP plans to consider:

PNB Metlife Virtue II
Birla Sun Life Pure Equity
Tata AIA Large Cap Equity Fund
Bajaj Allianz Pure Stock Fund
HDFC Standard Diversified Equity Fund

Best SIP Plans to Invest in India in 2025~

Best SIP Plans in India in 2025~

Details of Mutual Fund Schemes for Best SIP Plans~

Mirae Asset Large Cap Fund Direct Plan-Growth

Franklin India Bluechip Fund Direct-Growth

Canara Robeco Bluechip Equity Fund Direct Plan-Growth

Kotak Bluechip Direct Growth

Aditya Birla Sun Life Frontline Equity Fund Direct Plan-Growth

Edelweiss Large Cap Fund Growth

PGIM India Large Cap Fund Direct Plan-Growth

UTI Large Cap Fund Growth Option - Direct

ICICI Prudential Bluechip Fund Growth

Invesco India Largecap Fund Direct Plan-Growth

Choose the Best SIP Plans~

When to Choose ULIPs vs When to Choose Mutual Funds?

Why Invest in Best SIP Plans in 2025?~

Investment of small amounts

Rupee cost averaging

Option to run multiple SIPs

Flexibility

Maximum Returns at Minimum Investment with Best SIP Plans~

Taxation on Best SIP Investment~

Taxation of Equity Mutual Funds

Tax Rates for Equity Mutual Funds

Taxation of Debt Mutual Funds

Tax Rates for Debt Mutual Funds

Indexation

Tax Benefits of SIPs

Important Points to Remember Before Investing in Best SIP Plans 2025~

Common Customer Questions Asked on Forums

Which SIP should I buy for 5 years?

Which SIP is best for me for 1 and 3 years with an investment of 1,000-2,000 monthly?

Is SIP really a good investment method?

Summing It Up

Frequently Asked Questions

Which SIP is best for 1 year?

Which SIP is best for 10 years?

Can you get a 20% return in SIP?

Which SIP plan is best for beginners?

Should I invest in a lump sum or SIP?

What happens if we cancel a SIP?

Which is the safest SIP to invest?

Can I withdraw SIP anytime?

Is SIP tax-free?

Does SIP Investment offer tax benefits in 2025?

What are the maximum and minimum amounts that can be invested in SIP in 2025?

How can I start SIP Investment in 2025?

Which is the best SIP to invest in 2025 for 1000 per month?

Is SIP better than FD?

Is SIP a risk?

SIP plans articles