Edelweiss Life SIP Plan

The Edelweiss life SIP (Systematic Investment Plan) offers a disciplined approach to wealth creation, enabling investors to grow their savings through regular investments. Designed for individuals seeking financial stability and long-term growth, the SIP plans provide the flexibility to invest small amounts periodically while benefiting from the power of compounding. With expert fund management and a range of investment options, Edelweiss life SIP helps investors achieve their financial goals with ease.

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 Edelweiss life SIP Plans

Mutual Funds
ULIP Funds

Here is a list of the mutual fund schemes for best SIP plans to invest in 2025:

Fund Name	3 Year Returns	5 Year Returns	10 Year Returns
	Returns
Mirae Asset Large Cap Fund Direct Plan-Growth	10.82%	15.94%	14.20%
Franklin India Bluechip Fund Direct-Growth	11.11%	16.77%	12.05%
Canara Robeco Bluechip Equity Fund Direct Plan-Growth	13.31%	19.00%	14.72%
Kotak Bluechip Direct Growth	13.32%	18.27%	14.05%
Aditya Birla Sun Life Frontline Equity Fund Direct Plan Growth	13.32%	17.41%	13.11%
Edelweiss Large Cap Fund Growth	13.01%	16.57%	12.61%
PGIM India Large Cap Fund Direct Plan-Growth	9.87%	14.28%	11.83%
UTI Large cap Fund Growth Option - Direct	9.51%	16.53%	12.46%
ICICI Prudential Bluechip Fund Growth	15.70%	18.78%	13.68%
Invesco India largecap Fund Direct Plan-Growth	14.02%	19.13%	14.59%

Returns Updated as of Feb 2025

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Mutual Funds
Fund Names	Category	1 Year Returns	Risk
Edelweiss Aggressive Hybrid Fund	Hybrid	15.9%	Very High
Edelweiss Liquid Fund	Debt	7.5%	Low to Moderate
Edelweiss Small Cap Fund	Equity	13.8%	Very High
Edelweiss Large Cap Fund	Equity	12.7%	Very High
Edelweiss Arbitrage Fund	Hybrid	8.1%	Low

Details of Edelweiss Life Mutual Funds SIP Plans

Edelweiss Aggressive Hybrid Fund

To generate long-term capital growth and current income by investing predominantly in equity and equity-related instruments, with the balance in debt and money market securities.
- Risk Profile: Very High
- Expense Ratio: 0.36% of January 31, 2025.
- Exit Load: 1% will be charged for redemption within 90 days for units in excess of 10% of the investment.
- Minimum Investment: Rs 100
- Fund Size: Rs 2363 crore as of December 31, 2024.
- Returns:
  - 1-year: 16.17%
  - 3-year: 18.02%
  - 5-year: 19.09%
- Suitable for: Investors seeking long-term growth with a higher risk tolerance and a preference for a mix of equity and debt.
Edelweiss Liquid Fund

To provide liquidity and generate reasonable returns through investments in the money market and debt instruments.
- Risk Profile: Low
- Expense Ratio: 0.09% as of January 31, 2025.
- Exit Load: 0.007%
- Minimum Investment: Rs 100
- Fund Size: Rs 5489 crore as of January 31, 2025.
- Returns:
  - 1-year: 7.5%
  - 3-year: 6.64%
  - 5-year: 5.51%
- Suitable for: Investors seeking a safe and liquid investment option with low risk and a short-term investment horizon.
Edelweiss Small Cap Fund

Aims to generate long-term capital appreciation by investing predominantly in equity and equity-related securities of small-cap companies.
- Fund Size (AUM): ₹4,428 crore as of January 31, 2025.
- Expense Ratio: 0.4% as of January 31, 2025.
- Minimum Investment: ₹500
- Exit Load: 1% if redeemed within 90 days.
- Risk: Very High
- Returns:
  - 1-year: 14.4%
  - 3-year: 21.25%
  - 5-year: 30%
- Suitability: Ideal for investors with a high-risk tolerance and a long-term investment horizon (7+ years). Small-cap funds can be more volatile but offer higher growth potential.
Edelweiss Large Cap Fund

To generate long-term capital growth by investing predominantly in equity and related securities of the 100 largest companies by market capitalization in India.
- Risk Profile: Very High
- Expense Ratio: 0.62% as of January 31, 2025.
- Exit Load: 1.0%
- Minimum Investment: Rs 500
- Fund Size: Rs 1,110 crore as of January 31, 2025.
- Returns:
  - 1-year: 12.93%
  - 3-year: 15.75%
  - 5-year: 17.67%
- Suitable for: This fund is suitable for investors seeking long-term capital growth through investment in large-cap companies. It is ideal for those with a higher risk tolerance and an investment horizon of 5 years or more
Edelweiss Arbitrage Fund

The fund primarily capitalizes on arbitrage opportunities arising from price differences in the cash and derivatives markets of equities. This involves simultaneously buying and selling the same asset in different markets to profit from the price gap.
- Risk Profile: Low
- Expense Ratio: 0.39% as of January 31, 2025.
- Exit Load: 0.1%
- Minimum Investment: Rs 500
- Fund Size: Rs 12,136 crore as of January 31, 2025.
- Returns:
  - 1-year: 8.03%
  - 3-year: 7.22%
  - 5-year: 6.25%

Let us take a look at the list of best SIP plans to invest in 2025 in India:

Fund Name	5 Years	7 Years	10 Years
	Returns
High Growth Fund Max Life Rating	24.84%	18.57%	16.4% View Plan
Top 200 Fund Tata AIA Rating	24.04%	20.03%	16.77% View Plan
Accelerator Mid-Cap Fund II Bajaj Allianz Rating	17.43%	10.73%	13.2% View Plan
Opportunities Fund HDFC Standard Rating	17.56%	12.29%	13.33% View Plan
Equity II Fund Canara HSBC Oriental Bank Rating	11.56%	9.27%	8.64% View Plan
Grow Money Plus Fund Bharti AXA Rating	15.75%	13.48%	12.67% View Plan
Multiplier Birla Sun Life Rating	18.22%	11.28%	14.04% View Plan
Opportunities Fund ICICI Prudential Rating	15.71%	11.97%	10.97% View Plan
Flexi Growth Fund LIC Rating	-	-	- View Plan
Virtue II PNB Metlife Rating	20.71%	15.98%	14.2% View Plan

Fund rating powered by

Updated as of Feb 2025

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^~Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in

Below are some of the best Edelweiss life ULIP Plans for SIPs in India:

ULIP Plans
Plan Names	Entry Age	Minimum Annual Investment
Edelweiss Life – Wealth Plus	1 year	₹48,000
Edelweiss Life – Wealth Rise+	0-18 years	₹75,000

Details of Edelweiss life ULIP SIP Plans

Edelweiss Life - Wealth Plus
- It is a unit-linked, non-participating, individual savings life insurance product.
- It provides a life cover that ensures financial protection for your family in case of your death.
- It offers a Rising Star Benefit to cater to your children’s future financial needs, even in your absence.
- The plan includes additions such as extra allocation in the first 5 policy years and premium boosters from the 6th policy year.
- There are two investment strategies available: Life Stage & Duration Based Strategy and Self-Managed Strategy.
- The Life Stage & Duration Based Strategy automatically shifts money from equity to debt as you age and the policy term reduces.
- The Self-Managed Strategy lets you invest in funds of your choice and switch between them.
- You can make partial withdrawals from the 6th policy year onwards.
- The minimum entry age is 1 year, and the maximum is 55 years.
- The policy term ranges from 10 to 20 years.
- Liquidity is not available for the first 5 years of the contract.
- There is an option to receive the maturity benefit in lump sum or installments.
- Top-up premiums are allowed any time except during the last 5 years of the policy, and cannot exceed the total base premiums paid.
- The plan offers free switching between funds if you choose the Self-Managed Strategy.
- Premium redirection is available for those with a Self-Managed Strategy, allowing you to change the allocation of future premiums.
Edelweiss Life - Wealth Rise+
- It is a unit-linked, non-participating, individual, savings, life insurance product.
- It provides a life cover at all times during the policy tenure, with an option for an enhanced cover.
- Premiums can be as low as Rs. 500 per month, making it easy to start saving early.
- The plan offers fund additions to boost your fund value at regular intervals during the policy tenure.
- A guaranteed lump sum is added to your fund value at maturity in the Base Cover Option.
- There are two investment strategies: Self-Managed or Life Stage and Duration based Strategy.
- The Self-Managed Strategy lets you invest in any of the 7 funds.
- The Life Stage & Duration Based Strategy moves money from equity to debt as you age and the policy term reduces.
- It provides an option to systematically withdraw fund value every month/quarter/half-year/year from the 10th policy year.
- Base Cover provides a life cover of 7 to 10 times the annualized premium, while Enhanced Cover provides a minimum of 15 times the annualized premium.
- Loyalty additions, booster additions, and maturity additions are offered under the Base Cover option.
- The plan offers a Little Star Benefit if the life insured is a minor.
- You can choose a fixed policy term or a whole life policy term.
- Minimum entry age is 0 years (with Little Star Benefit) and 18 years (without Little Star Benefit).
- Liquidity is not available for the first 5 years of the contract.
- Top-up premiums are allowed with a 5-year lock-in period.
- The plan offers free switching between funds under the Self-Managed Strategy.
- Premium redirection is available for those with a Self-Managed Strategy.
- Partial withdrawals are allowed from the 6th policy year.
- A systematic withdrawal plan (SWP) is available under the Base Cover option from the 10th policy year.

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

Expected return Pro Tip

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

% Annually

Total Wealth ₹22.4 L

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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

Expected return Pro Tip

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

% Annually

Monthly Investment ₹22.4 L

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Top Funds with High Returns (Past 7 Years)

16.4%

High Growth Fund

16.77%

Top 200 Fund

13.2%

Accelerator Mid-Cap Fund II

13.33%

Opportunities Fund

8.64%

Equity II Fund

11.62%

Accelerator Fund

12.67%

Grow Money Plus Fund

14.04%

Multiplier

10.82%

Equity Top 250 Fund

11.19%

Future Apex Fund

10.97%

Opportunities Fund

12.76%

Frontline Equity Fund

14.2%

Virtue II

9.39%

Pension Dynamic Equity Fund

10.45%

Equity Fund

9.07%

Blue-Chip Equity Fund

What are SIP Plans?

SIP stands for Systematic Investment Plan. It is a smart and hassle-free way of investing in mutual funds and other market-linked schemes. With SIP, you can invest a fixed amount of money at regular intervals, such as weekly, monthly, or quarterly, in a scheme of your choice. This disciplined approach to investing helps you accumulate wealth over the long term without having to worry about market fluctuations.

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Why Should You Choose SIP Plans?

Below are the reasons why you should choose the best sip plans to invest in:

Disciplined Investing: SIPs encourage consistent investing habits by deducting a fixed amount from your bank account regularly. This helps you save and invest without trying to time the market.
Rupee Cost Averaging: By investing regularly, you buy more units when the market is down and fewer when it's up. This averages out your purchase cost over time, reducing the impact of market volatility.
Power of Compounding: Your returns earn returns over time, leading to exponential growth. SIPs allow you to benefit from this compounding effect by reinvesting your earnings.
Affordability: You can start with small amounts, making SIPs accessible to a wide range of investors.
Flexibility: You can easily start, stop, or adjust your SIP amount based on your financial situation.
Convenience: SIPs are automated, so you don't have to worry about making manual transactions each month.
Goal-Oriented: SIPs can help you systematically achieve long-term financial goals like retirement, education, or buying a house.
No Need to Time the Market: SIPs eliminate the stress of trying to predict market highs and lows.
Diversification: Mutual funds, in which you invest through SIPs, offer diversification across various asset classes and sectors, reducing your overall risk.
Professional Management: Your investments are managed by professional fund managers who have expertise in market analysis and investment strategies.
Tax Efficiency: Some SIPs, like Equity Linked Savings Schemes (ELSS), offer tax benefits under Section 80C of the Income Tax Act.

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Conclusion

The Edelweiss Life SIPs offer a disciplined approach to wealth creation, enabling investors to grow their savings through regular investments. Designed for individuals seeking financial stability and long-term growth, this SIP plan provides the flexibility to invest small amounts periodically while benefiting from the power of compounding.