Basics of SIP
SIP plans let you invest a fixed amount regularly (usually every month) into mutual funds. This disciplined habit reduces the impact of market ups and downs and helps your money grow consistently over time through compounding.
How SIPs Can Make You Rich
SIPs build wealth through two key advantages:
- Power of Compounding: You earn returns not only on your initial investment but also on the returns you’ve already earned.
- Rupee Cost Averaging: You buy more units when markets are low and fewer when markets are high, helping you lower your overall investment cost.
For Example
When Harsh's son was born in 2009, he decided to start a ₹40,000 monthly SIP to build a secure financial future for his family.
Over the next 16 years, Harsh stayed consistent with this investment plan, letting compounding and rupee cost averaging do their work. By 2025, his disciplined investing paid off—he had built enough wealth to cover:
- His son’s higher education expenses
- Funds for his wedding
- A solid retirement corpus for himself.
The following things helped Harsh: he didn't try to time the market. Instead, he focused on regular investments, long-term consistency, and the power of compounding. His story shows how small, steady contributions can create huge wealth when left undisturbed over time.
Best SIP Funds to Become Rich in 2025
Here are some of the best SIP plans that you can consider investing in 2025:
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer. Tax benefit is subject to changes in tax laws. *Standard T&C Apply
- Insurance Companies
- Mutual Funds
|
Returns |
| Fund Name |
5 Years |
7 Years |
10 Years |
| SBI Life |
13.36% |
13.07% |
|
| HDFC Life |
19.5% |
15.86% |
|
| Axis Max Life |
22.7% |
22.03% |
|
| ICICI Prudential Life |
16.12% |
14.63% |
|
| Tata AIA Life |
29% |
23.3% |
|
| Bajaj Life |
17.29% |
14.13% |
|
| Birla Sun Life |
19.5% |
16.12% |
|
| PNB MetLife |
31.41% |
24.68% |
|
| Canara HSBC Life |
13.03% |
11.54% |
|
| Star Union Dai-ichi Life |
15.2% |
- |
|
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Last updated: Nov 2025
SIP Calculator to Calculate SIP Returns Online
An SIP calculator is a simple online tool that helps you estimate the returns you can earn from your mutual fund SIP investments. The calculator gives you an idea of how much your investments could grow based on the amount, duration, and expected rate of return. However, the actual returns may differ due to market conditions and other factors like expense ratio, exit loads, etc.
Conclusion
SIPs are one of the easiest and most effective ways to build wealth over time. By investing regularly, choosing good funds, and staying patient, you can turn small savings into big wealth. With the power of compounding and India’s growing mutual fund market in 2025, SIPs continue to be a smart and reliable path to financial success.
