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 mutual funds for SIP depends on factors like risk tolerance, investment horizon, and financial goals.

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

Mutual Funds
Insurance Funds

Here is a list of the best mutual funds for SIP in 2025:

Fund Name	1 Year Returns	3 Year Returns	5 Year Returns
	Returns
Quant Small Cap Fund Direct Plan-Growth	-4.30%	25.56%	42.68%
ICICI Prudential Infrastructure Fund Growth	4.24%	30.26%	31.99%
Bandhan Infrastructure Fund Regular Plan - Growth	2.76%	28.98%	29.98%
Aditya Birla Sun Life PSU Equity Fund Regular Plan - Growth	-11.66%	28.70%	29.20%
Motilal Oswal Midcap Fund Growth	17.56%	31.74%	28.67%
HDFC Infrastructure Fund Growth	-0.33%	31.33%	27.70%
Franklin India Opportunities Fund Growth	11.55%	29.46%	27.68%
ICICI Prudential BHARAT 22 FOF Scheme Direct Plan - Growth	-5.05%	28.38%	27.57%
SBI PSU Fund Regular Plan - Growth	-4.78%	31.28%	26.49%
HDFC Focused 30 Fund Growth	11.82%	26.56%	26.40%

Returns Updated as of Feb 2025

Compare more funds

Buying the Dip Results in Higher Returns

Details of Mutual Fund Schemes for Best SIP Plans^~

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

Quant Small Cap Fund - Direct Plan - Growth

Quant Small Cap Fund scheme seeks to generate capital appreciation by investing in a well-diversified portfolio of small cap companies.
- NAV: 251.1891 1.02%▲
  
  (as on 21st March, 2025)
- AUM: ₹22832.42 Crs
- 1 Year returns: 3.44%
- Returns since inception: 17.77%
- Expense ratio: 0.68%
- Exit load: 1.0%
- Lock-in: NA
- Age: 12 yrs 2 m
- Benchmark: NIFTY Smallcap 250 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
ICICI Prudential Infrastructure Fund - Growth

ICICI Prudential Infrastructure Fund scheme seeks to generate capital appreciation and income distribution to unit holders by investing predominantly in equity/equity related securities of the companies belonging to the infrastructure theme. This means it invests in companies involved in sectors like construction, energy, and transportation.
- NAV: 177.2 1.49%▲
  
  (as on 21st March, 2025)
- AUM: ₹6886.49 Crs
- 1 Year returns: 9.94%
- Returns since inception: 15.83%
- Expense ratio: 1.16%
- Exit load: 1.0%
- Lock-in: NA
- Age: 12 yrs 2 m
- Benchmark: BSE India Infrastructure TRI
- Min. Investment: SIP ₹500 & 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
Bandhan Infrastructure Fund - Regular Plan - Growth

Bandhan Infrastructure Fund aims to provide long term capital appreciation by investing predominantly in equity and equity related instruments of companies in the infrastructure sector.
- NAV: 45.821 1.83%▲
  
  (as on 21st March, 2025)
- AUM: ₹1399.72 Crs
- 1 Year returns: 10.24%
- Returns since inception: 11.45%
- Expense ratio: 0.87%
- Exit load: 0.5%
- Lock-in: NA
- Age: 12 yrs 2 m
- Benchmark: BSE India Infrastructure 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
Aditya Birla Sun Life PSU Equity Fund - Regular Plan - Growth

Aditya Birla Sun Life PSU Equity fund aims to achieve long term capital growth by investing predominantly in equity and equity related securities of Public Sector Undertakings (PSUs).
- NAV: 30.43 1.81%▲
  
  (as on 21st March, 2025)
- AUM: ₹4650.81 Crs
- 1 Years Returns: -1.71%
- Returns since inception: 23.74%
- Expense ratio: 0.54%
- Exit load: 1.0%
- Lock-in: NA
- Age: 5 yrs 3 m
- Benchmark: BSE PSU 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
Motilal Oswal Midcap Fund - Growth

Motilal Oswal Midcap Fund aims to achieve capital appreciation by investing primarily in maximum 30 mid-cap companies. Therefore the investment objective is to generate capital appreciation through investing in mid-sized company stocks.
- NAV: 91.8589 0.7%▲
  
  (as on 21st March, 2025)
- AUM: ₹23703.68 Crs
- 1 Year Returns: 20.14%
- Returns since inception: 22.17%
- Expense ratio: 0.68%
- Exit load: 1.0%
- Lock-in: NA
- Age: 11 yrs 1 m
- Benchmark: NIFTY Midcap 150 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
HDFC Infrastructure Fund - Growth

HDFC Infrastructure Fund primarily invests in companies tied to infrastructure growth, seeking to capitalize on their potential. While the main focus is infrastructure, up to 35% of the fund can be invested in other companies across all market sizes.
- NAV: 43.024 1.39%▲
  
  (as on 21st March, 2025)
- AUM: ₹2104.89 Crs
- 1 Year Returns: 6.65%
- Returns since inception: 8.94%
- Expense ratio: 1.04%
- Exit load: 1.0%
- Lock-in: NA
- Age: 12 yrs 2 m
- Benchmark: BSE India Infrastructure 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
Franklin India Opportunities Fund - Growth

Franklin India Opportunities fund seeks to maximize investor returns by capitalizing on the expanding Indian economy. It will invest in a wide variety of companies, regardless of size or specific characteristics, to capture diverse growth opportunities.
- NAV: 227.8134 1.19%▲
  
  (as on 21st March, 2025)
- AUM: ₹5517.19 Crs
- 1 Year returns:17.7%
- Returns since inception: 13.27%
- Expense ratio: 0.59%
- Exit load: 1.0%
- Lock-in: NA
- Age: 12 yrs 2 m
- Benchmark: NIFTY 500 TRI
- Min. Investment: SIP ₹500 & 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
ICICI Prudential BHARAT 22 FOF - Direct Plan - Growth

ICICI Prudential BHARAT 22 FOF Scheme is a Fund of Funds (FOF) scheme. Its objective is to generate returns by investing in the units of the Bharat 22 ETF. So its objective is to generate capital appreciation by investing in the Bharat 22 ETF, which in turn invests in the stocks of the Bharat 22 index.
- NAV: 30.1991 1.32%▲
  
  (as on 21st March, 2025)
- AUM: ₹1982.52 Crs
- 1 Year Returns: 4.92%
- Returns since inception: 17.84%
- Expense ratio: 0.12%
- Exit load: 0%
- Lock-in: NA
- Age: 6 yrs 8 m
- Benchmark: BSE Bharat 22 TRI
- Min. Investment: SIP ₹1000 & 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
SBI PSU Fund - Regular Plan - Growth

SBI PSU Fund aims to provide investors with opportunities for long-term growth by investing predominantly in equity and equity-related instruments of Public Sector Undertakings (PSUs) and in debt, money market instruments issued by PSUs and others.
- NAV: 29.5472 1.59%▲
  
  (as on 21st March, 2025)
- AUM: ₹4149.45 Crs
- 1 Years Returns: 7.08%
- Returns since inception: 7.6%
- Expense ratio: 0.96%
- Exit load: 0.5%
- Lock-in: NA
- Age: 12 yrs 2 m
- Benchmark: BSE PSU TRI
- Min. Investment: SIP ₹500 & Lump. ₹5000
- SIP ₹500 & Lump. ₹5000
- Category:
- 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
HDFC Focused 30 Fund - Growth

HDFC Focused 30 Fund’s objective is to generate capital appreciation by investing in a focused portfolio of equity and equity-related instruments of up to 30 companies.
- NAV: 212.821 0.89%▲
  
  (as on 21st March, 2025)
- AUM: ₹15515.87 Crs
- 1 Year returns: 16.69%
- Returns since inception: 16.07%
- Expense ratio: 0.71%
- Exit load: 1.0%
- Lock-in: NA
- Age: 12 yrs 2 m
- Benchmark: NIFTY 500 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

	Returns
High Growth Fund Max Life Rating	33.56%	19.72%	16.82% View Plan
Top 200 Fund Tata AIA Rating	33.06%	20.69%	16.57% View Plan
Accelerator Mid-Cap Fund II Bajaj Allianz Rating	26.11%	11.93%	13.25% View Plan
Opportunities Fund HDFC Standard Rating	26.28%	13.34%	13.43% View Plan
Growth Plus Fund Canara HSBC Oriental Bank Rating	18.66%	9.86%	9.13% View Plan
Grow Money Plus Fund Bharti AXA Rating	23.24%	13.96%	12.71% View Plan
Multiplier Birla Sun Life Rating	27.71%	12.46%	14.1% View Plan
Opportunities Fund ICICI Prudential Rating	24.94%	12.68%	10.91% View Plan
Flexi Growth Fund LIC Rating	-	-	- View Plan
Virtue II PNB Metlife Rating	23.2%	17.21%	15.2% View Plan

Details of Top ULIP-Based Best SIP Plans^~

A ULIP is a market-linked investment option. These best SIP plans in India combine the benefits of life insurance with the potential for market-linked returns through investing in top performing funds. You can invest in these high-return best investment plans and earn significant gains at the end of the tenure of your plan. Here are the details of the best SIP to invest in 2025 for 5 years.

PNB Metlife Virtue II Fund

Objective: To generate long term capital appreciation by investing in diversified equities of companies promoting healthy lifestyle and enhancing quality of life
- NAV: ₹65.16 (as of 25 Mar 2025)
- AUM: ₹2891
- Returns:
  - 1-Year: 3.97%
  - 3-Years: 13.28%
  - 5-Years: 23.2%
Benchmark: Nifty 100
Bharti AXA Grow Money Plus Fund Fund

Objective: To provide long term capital appreciation by investing across a diversified high quality equity portfolio and aiming to produce better Risk-adjusted return than the benchmark (Benchmark- CNX 100).
- NAV: ₹62.81 (as of 25 Mar 2025)
- AUM: ₹393
- Returns:
  - 1-Year: 5.25%
  - 3-Years: 11.44%
  - 5-Years: 23.24%
Benchmark: Nifty 100

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%

Name of insurers

Name of plans

Why Invest in Best SIP Plans 2025^~?

One of the key reasons why investors prefer the best SIP to invest in is the habit of disciplined savings through small and regular contributions. SIPs not only make investing accessible but also offer long-term wealth-building potential.

Investment of Small Amounts

With an investment amount as low as ₹100 or ₹500, the best mutual funds for SIP provide an easy entry point for all types of investors. This flexibility ensures that anyone can start their investment journey without financial strain, making the best SIP in India a popular choice.

Rupee Cost Averaging

Given the volatility of the equity market, rupee cost averaging helps investors buy more units when prices are low and fewer when prices are high. This strategy enhances returns over time, making the best SIP plan in India a smart choice for long-term wealth creation.

Option to Run Multiple SIPs

Rather than investing in just one or two funds, SIPs allow diversification across multiple assets. Choosing the best SIP plan in India wisely can help investors maximize returns while reducing risk.

Flexibility

One of the biggest advantages of the best SIP to invest in is flexibility—you can start, pause, or stop your SIP at your convenience. Even with a small investment, SIP mutual funds provide a structured way to grow wealth efficiently.

Potential for High Returns

Over time, the best SIP return comes from consistent investments in well-performing mutual funds. By staying invested, investors can benefit from compounding and long-term market growth. You can also check the returns on your SIP investments using an SIP calculator.

Taxation on SIP Investment

The taxation of SIPs depends on the type of mutual fund you invest in and the holding period. There are various types of mutual funds. We will be covering the taxation of 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 from 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 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. ELSS funds are often considered within the best mutual funds for SIP category for those looking for tax savings.
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 in India. The longer the tenure of investing, the higher the returns, making it one of the best SIP to invest in for future financial stability.

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 best mutual funds for SIP and the right investment horizon.

Invest in Different SIPs for Particular Goals: Don't put all your eggs in one basket. Diversify your portfolio by investing in the best SIP in India 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 to invest in that aligns with your risk appetite to enjoy worry-free investing.

Choose the Right Fund Type: There are various SIPs available, each with its own investment objective and risk level. Choose the best SIP plan in India that invests 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 the best mutual funds for SIP 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 in the best SIP in India 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 in the best SIP to invest in and be patient to reap the best SIP return through the power 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. The best SIP to invest in provides disciplined investing, diversification of risk portfolios, and rupee cost averaging benefits, making them highly effective. Choose the best SIP plan in India 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~

Quant Small Cap Fund - Direct Plan - Growth

ICICI Prudential Infrastructure Fund - Growth

Bandhan Infrastructure Fund - Regular Plan - Growth

Aditya Birla Sun Life PSU Equity Fund - Regular Plan - Growth

Motilal Oswal Midcap Fund - Growth

HDFC Infrastructure Fund - Growth

Franklin India Opportunities Fund - Growth

ICICI Prudential BHARAT 22 FOF - Direct Plan - Growth

SBI PSU Fund - Regular Plan - Growth

HDFC Focused 30 Fund - Growth

Details of Top ULIP-Based Best SIP Plans~

PNB Metlife Virtue II Fund

Bharti AXA Grow Money Plus Fund Fund

Choose the Best SIP Plans~

Why Invest in Best SIP Plans 2025~?

Investment of Small Amounts

Rupee Cost Averaging

Option to Run Multiple SIPs

Flexibility

Potential for High Returns

Maximum Returns at Minimum Investment with Best SIP Plans~

Taxation on 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