Best SIP Plans to Invest in India in 2025

Best SIP Plans include carefully selected mutual fund schemes that have consistently delivered superior returns through systematic investments. These funds maintain disciplined investment strategies even during market fluctuations, showcasing long-term growth potential. By staying true to their core philosophy, they help SIP investors accumulate wealth steadily and achieve their financial goals with confidence.

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

How Best SIP Plans Work?

Time plays an important role when making investments through SIP. The longer you stay invested, the more returns you yield. For example,

Assume you make a monthly SIP of Rs. 5,000 in an equity mutual fund with 14% Annualised Returns for 10, 20, and 30 years.

Time Period	Total Investment	Value @ 14% CAGR	Wealth Accumulated
10 Years	₹6 Lakhs	₹12.46 Lakhs	2.08x
20 Years	₹12 Lakhs	₹58.67 Lakhs	4.89x
30 Years	₹18 Lakhs	₹229.98 Lakhs	12.78x

Hence proved, the longer you invest, the better you save for the future. 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 fund SIP plans available today. Let us take a look at the list of best SIPs to invest in 2025 in India:

Best SIP Funds

Fund Name	AUM	Return 3 Years	Return 5 Years	Return 10 Years	Minimum Investment	Return Since Launch
Quant Multi Cap Fund Regular-Growth	₹9,631.80 Crs	12.58%	23.12%	17.69%	₹5,000	18.36%
Motilal Oswal Midcap Fund Regular-Growth	₹33,608.53 Crs	25.97%	33.24%	17.66%	₹500	22.31%
SBI PSU Fund-Growth	₹5,278.16 Crs	31.67%	32.69%	13.87%	₹5,000	8.1%
HDFC Infrastructure Fund Regular-Growth	₹2,539.90 Crs	28.21%	34.27%	11.72%	₹100	9.33%
ICICI Prudential Infrastructure Fund-Growth	₹7,941.20 Crs	28.79%	37.23%	17.14%	₹5,000	15.97%
Nippon India Small Cap Fund - Growth	₹65,922.00 Crs	22.27%	32.35%	20.6%	₹5,000	20.61%

Details of Mutual Fund Schemes for Best SIP Plans

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

Quant Multi Cap Fund Regular-Growth

The investment objective of the Quant Multi Cap Fund Regular-Growth is to generate long-term capital appreciation and current income by investing in equity and equity-related instruments across large-cap, mid-cap, and small-cap companies.

Parameters	Details
Fund Name	Quant Multi Cap Fund Regular-Growth
NAV	₹ 630.55 (as on 31st October, 2025)
AUM	₹9,631.80 Crs
Return 1 Year	-3.25%
Return Since Launch	18.36%
Expense Ratio	1.74%
Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
Fund Category	Equity
Risk Level	Principal at very high risk

Motilal Oswal Midcap Fund Regular-Growth

The scheme seeks to achieve long-term capital appreciation by investing in quality mid-cap companies having long-term competitive advantages and potential for growth.

Parameters	Details
Fund Name	Motilal Oswal Midcap Fund Regular-Growth
NAV	₹ 104.03 (as on 31st October, 2025)
AUM	₹33,608.53 Crs
Return 1 Year	-3.4%
Return Since Launch	22.31%
Expense Ratio	1.55%
Minimum Investment	SIP ₹1000 & Lumpsum ₹500
Fund Category	Equity
Risk Level	Principal at very high risk

SBI PSU Fund-Growth

The investment objective of SBI PSU Fund - Growth is to provide opportunities for long-term growth through active management of investments in diversified equity stocks of domestic Public Sector Undertakings (PSUs) and in debt and money market instruments issued by PSUs and others.

Parameters	Details
Fund Name	SBI PSU Fund-Growth
NAV	₹ 33.67 (as on 31st October, 2025)
AUM	₹5,278.16 Crs
Return 1 Year	-0.1%
Return Since Launch	8.1%
Expense Ratio	1.86%
Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
Fund Category	Equity
Risk Level	Principal at very high risk

HDFC Infrastructure Fund Regular-Growth

The investment objective of HDFC Infrastructure Fund Regular-Growth is to seek long-term capital appreciation by investing predominantly in equity and equity-related securities of companies engaged in or expected to benefit from the growth and development of infrastructure.

Parameters	Details
Fund Name	HDFC Infrastructure Fund Regular-Growth
NAV	₹ 48.84 (as on 31st October, 2025)
AUM	₹2,539.90 Crs
Return 1 Year	-1.16%
Return Since Launch	9.33%
Expense Ratio	2.04%
Minimum Investment	SIP ₹1000 & Lumpsum ₹100
Fund Category	Equity
Risk Level	Principal at very high risk

ICICI Prudential India Opportunities Fund-Growth

The investment objective of ICICI Prudential India Opportunities Fund - Growth is to create wealth over the long term by investing in stocks going through temporary challenges. The fund aims to leverage investment opportunities arising due to government policy changes, corporate restructuring, and other special situations.

Parameters	Details
Fund Name	ICICI Prudential Infrastructure Fund-Growth
NAV	₹ 201.06 (as on 31st October, 2025)
AUM	₹7,941.20 Crs
Return 1 Year	0.66%
Return Since Launch	15.97%
Expense Ratio	1.85%
Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
Fund Category	Equity
Risk Level	Principal at very high risk

Nippon India Small Cap Fund Regular- Growth

The scheme seeks to generate long-term capital appreciation by investing predominantly in equity and equity-related instruments of small-cap companies. The secondary objective is to generate consistent returns by investing in debt and money market securities.

Parameters	Details
Fund Name	Nippon India Small Cap Fund - Growth
NAV	₹ 171.18 (as on 31st October, 2025)
AUM	₹65,922.00 Crs
Return 1 Year	-6.49%
Return Since Launch	20.61%
Expense Ratio	1.4%
Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
Fund Category	Equity
Risk Level	Principal at very high risk

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
Top 300 Fund SBI Life Rating	15.78%	13.6%	12.42% View Plan
Opportunities Fund HDFC Life Rating	21.9%	16.66%	14.7% View Plan
High Growth Fund Axis Max Life Rating	29.3%	22.69%	17.8% View Plan
Pension India Consumption Fund ICICI Prudential Life Rating	20.5%	-	15.5% View Plan
Multi Cap Fund Tata AIA Life Rating	25.94%	22.89%	20.52% View Plan
Accelerator Mid-Cap Fund II Bajaj Life Rating	21.13%	14.65%	14.53% View Plan
Multiplier Birla Sun Life Rating	23.51%	17.02%	15.85% View Plan
Pension Mid Cap Fund PNB MetLife Rating	31.41%	24.68%	18.41% View Plan
Equity II Fund Canara HSBC Life Rating	16.82%	12.4%	10.88% View Plan
US Equity Fund Star Union Dai-ichi Life Rating	14.69%	-	13.87% View Plan

Fund rating powered by

Last updated: Oct 2025

Compare more funds

Fund Name	3 Years	5 Years	10 Years
	Returns
Active Fund QUANT	23.92%	31.48%	21.87%
Flexi Cap Fund PARAG PARIKH	20.69%	26.41%	19.28%
Large and Mid-Cap Fund EDELWEISS	22.34%	24.29%	17.94%
Equity Opportunities Fund KOTAK	24.64%	25.01%	19.45%
Large and Midcap Fund MIRAE ASSET	19.74%	24.32%	22.50%
Flexi Cap Fund PGIM INDIA	14.75%	23.39%	-
Flexi Cap Fund DSP	18.41%	22.33%	16.91%
Emerging Equities Fund CANARA ROBECO	20.05%	21.80%	15.92%
Focused fund SUNDARAM	18.27%	18.22%	16.55%

Last updated: August 2025

Compare more funds

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%

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.

How to Choose the Best SIP Plan?

Define Your Financial Goals and Investment Horizon: Decide why you're investing, like for retirement, education, or wealth creation, and for how long. Match your SIP to your goal and timeline.

Assess Your Risk Tolerance: Know how much risk you can handle. Choose equity funds for high risk and long-term goals; opt for debt or balanced funds for lower risk.

Analyze the Fund's Historical Performance: Check how the fund has performed over 3-5 years. Consistent returns and strong performance during market dips are good signs.

Check the Fund's Expense Ratio: Lower expense ratios mean better cost efficiency. Choose funds that deliver solid returns with minimal charges.

Review the Fund Manager's and AMC's Reputation: A good fund manager and a trusted AMC add confidence to your investment. Look for experience and consistent fund management.

Conclusion

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

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

Should I invest in a lump sum or SIP?

Whether to invest in a lump sum or through Systematic Investment Plan (SIP) depends on your financial goals, risk tolerance, and market conditions. It's often a good strategy to diversify your investments and consider a combination of lump sum and SIP based on your financial goals and market conditions.

What happens if we cancel a SIP?

The consequences of cancelling a SIP are as follows:

No more automatic deductions from your bank account.
Existing investments remain invested and continue accruing returns.
No penalty for cancellation of mutual fund SIPs
Loss of benefits you were enjoying with the SIP in market-linked insurance plans
You stop benefiting from rupee-cost averaging and compounding in the long run

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