SBI SIP Investment

What is the SBI SIP Plan?

SBI SIP Plans are Systematic Investment Plans offered by SBI Mutual Fund and SBI Life Insurance Company. They allow you to invest a fixed amount of money in a chosen market-linked fund scheme at regular intervals, such as monthly, quarterly, or even weekly.

The SIP in SBI offers a range of investment options tailored to different risk appetites and investment goals, which makes it accessible for both new and experienced investors to participate in the financial markets.

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

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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

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Expected return Pro Tip

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

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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

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Expected return Pro Tip

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

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Monthly Investment ₹22.4 L

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Top Funds with High Returns (Past 7 Years)

16.82%

High Growth Fund

16.57%

Top 200 Fund

13.25%

Accelerator Mid-Cap Fund II

13.43%

Opportunities Fund

9.13%

Growth Plus Fund

11.71%

Accelerator Fund

12.71%

Grow Money Plus Fund

14.1%

Multiplier

10.7%

Equity Top 250 Fund

11.43%

Future Apex Fund

10.91%

Opportunities Fund

12.95%

Frontline Equity Fund

15.2%

Virtue II

9.52%

Pension Dynamic Equity Fund

11.03%

Top 300 Fund

9.19%

Blue-Chip Equity Fund

SBI SIP Calculator Online 

The SBI SIP Returns Calculator is a tool that allows you to estimate how much your investments in SBI SIP Plans can grow over time by simply entering details like your monthly investment amount, the investment period, and an expected rate of return. The SIP calculator simplifies financial planning, allowing you to make informed decisions about your SIP investments.

List of Investment Funds

Top SBI SIP Plans in India in 2025

SBI offers various best SIP plans to cater to different investment goals and risk appetites. Some of the top SBI SIP plans to consider in India for 2025:

SBI SIP Plans - ULIP Plans

You can invest in SBI ULIP plans and choose to pay the premium regularly on a monthly, quarterly, or semi-annual basis.Following are the top market-linked funds offered under SBI ULIP Plans for SIP investment:

*RSI: Returns Since Inception
**Returns updated as of January 2025.

Details of Top Performing SBI SIP Investment in ULIP Plans

1. SBI Life Equity Fund

   SBI Equity Fund is a Unit Linked Insurance Plan (ULIP) offered by SBI Life Insurance. It is a market-linked investment option that invests in a portfolio of equity and debt instruments.

   Features of SBI Life Equity Fund:

   • Investment Objective: To provide capital appreciation through investments predominantly in equity and equity-related instruments.

   • Launch Date: January 10, 2005

   • Benchmark Index: Nifty 50 Index.

   • NAV (as of 10 January 2025): ₹196.60

   • Tax Benefits: Premiums paid qualify for tax deductions under Section 80C of the Income Tax Act, and the maturity amount is tax-free under Section 10(10D).

2. SBI Life Midcap Fund

   The SBI Life Midcap Fund invests in mid-sized companies with high growth potential. It is a good choice for investors seeking long-term growth with moderate risk.

   Features of SBI Life Midcap Fund:

   • Investment Objective: To achieve long-term capital appreciation by investing primarily in mid-cap equity stocks.

   • Launch Date: June 15, 2016

   • Benchmark Index: Nifty Midcap 100 Index.

   • NAV (as of 10 January 2025): ₹45.81

   • Tax Benefits: Premiums qualify for tax deductions under Section 80C, and maturity proceeds are tax-exempt under Section 10(10D).

3. SBI Life Pure Fund

   The SBI Life Pure Fund focuses entirely on equities, offering opportunities for high growth. It is ideal for investors willing to take higher risks for long-term returns.

   Features of SBI Life Pure Fund:

   • Investment Objective: To provide capital growth by investing primarily in equity instruments while ensuring a level of protection through insurance coverage.

   • Launch Date: January 10, 2005

   • Benchmark Index: S&P BSE 100 Index

   • NAV (as of 10 January 2025): ₹27.97

   • Tax Benefits: Eligible for tax deductions under Section 80C, with maturity benefits being tax-free under Section 10(10D).

4. SBI Life Top 300 Fund

   The SBI Top 300 Fund targets investments in the top 300 companies by market capitalization. It is suitable for investors seeking a balance of stability and strong growth.

   Features of SBI Life Top 300 Fund:

   • Investment Objective: To generate long-term capital appreciation through investments in equity stocks of the top 300 companies by market capitalization.

   • Launch Date: January 10, 2005

   • Benchmark Index: Nifty 300 Index

   • NAV (as of 10 January 2025): ₹53.89

   • Tax Benefits: Premiums are tax-deductible under Section 80C, and maturity proceeds are exempt from tax under Section 10(10D).

5. SBI Life Equity Optimiser Fund

   The SBI Life Equity Optimiser Fund combines equity and debt investments to provide stable and consistent returns. It is a great choice for investors seeking a mix of growth and safety.

   Features of SBI Life Equity Optimiser Fund:

   • Investment Objective: To optimize returns by investing primarily in equity and equity-related instruments while maintaining a portion in debt for stability.

   • Launch Date: January 21, 2008

   • Benchmark Index: Nifty 50 (80%) LiquiFEX (20%).

   • NAV (as of 10 January 2025): ₹51.72 

   • Tax Benefits: Tax deductions are available under Section 80C, with maturity benefits being tax-exempt under Section 10(10D).

6. SBI Bond Fund

   The SBI Bond Fund is a Unit Linked Insurance Plan (ULIP) offered by SBI Life Insurance. ULIPs are a type of investment-linked insurance product that combines insurance coverage with investment opportunities.

   Features of SBI Life Bond Fund:

   • Investment Objective: To offer a stable and low-risk investment option by primarily investing in debt instruments and generating income through fixed-income securities.

   • Launch Date: January 10, 2005

   • Benchmark Index: CRISIL Composite Bond Fund Index.

   • NAV (as of 10 January 2025): ₹47.46

   • Tax Benefits: Premiums qualify for deductions under Section 80C, and maturity proceeds are typically tax-free.

7. SBI Life Growth Fund

   The SBI Life Growth Fund invests in a blend of equities and debt to deliver long-term growth while managing risk. It is ideal for investors with a moderate risk appetite.

   Features of SBI Life Growth Fund:

   • Investment Objective: To achieve long-term capital growth through a diversified portfolio of equities and fixed-income securities.

   • Launch Date: January 10, 2005

   • Benchmark Index: Nifty Growth Index.

   • NAV (as of 10 January 2025): ₹90.67

   • Tax Benefits: Eligible for tax deductions under Section 80C, with maturity benefits being tax-exempt.

8. SBI Life Bond Optimiser Fund

   The SBI Life Bond Optimiser Fund focuses on high-quality debt instruments to ensure secure and steady returns. It is best suited for investors with low risk tolerance.

   Features of SBI Life Bond Optimiser Fund:

   • Investment Objective: To provide optimal returns by investing primarily in a mix of debt and equity instruments while managing risk effectively.

   • Launch Date: January 31, 2019

   • Benchmark Index: NIFTY 50 (20%) CompBEX (80%).

   • NAV (as of 10 January 2025): ₹21.27

   • Tax Benefits: Deductions available under Section 80C, with maturity proceeds being tax-free.

9. SBI Life Balanced Fund

   The SBI Life Balanced Fund maintains a portfolio of equity and debt investments to offer balanced and stable returns. It is suitable for those who want a combination of growth and security.

   Features of SBI Life Balanced Fund:

   • Investment Objective: To provide balanced growth through investments across equity and debt instruments for risk mitigation and capital appreciation.

   • Launch Date: December 05, 2005

   • Benchmark Index: Nifty 50 (50%) CompBex (50%) Index.

   • NAV (as of 10 January 2025): ₹69.21

   • Tax Benefits: Premiums qualify for deductions under Section 80C, with maturity benefits being tax-exempt.

10. SBI Life Money Market Fund

    The SBI Money Market Fund is an ultra-short-duration debt fund offered by SBI Life Insurance Company. It invests in short-term debt instruments like certificates of deposit, commercial papers, and treasury bills. These instruments typically have maturities of less than one year.

    Features of SBI Life Money Market Fund:

    • Investment Objective: To offer a choice to invest funds in liquid and secure instruments temporarily, minimizing exposure to market risks.

    • Launch Date: February 10, 2006

    • Benchmark Index: CRISIL T-Bill Index.

    • NAV (as of 10 January 2025): ₹34.00

    • Tax Benefits: Premiums are eligible for tax deductions under Section 80C, with maturity proceeds typically being tax-free.

SBI SIP Plan - Mutual Funds

SBI offers a wide variety of SIP plans across various categories of SBI mutual fund schemes; some of them are mentioned below

*RSI: Returns Since Inception
**Returns updated as of January 2025.

Details of Top SBI SIP Investment Plans in SBI Mutual Funds

1. SBI PSU Direct Plan

   The SBI PSU Direct Fund invests in public sector companies to generate long-term capital growth. It is suitable for investors who want to benefit from government-backed enterprises and sectors.

   Features of SBI PSU Direct Plan Fund:

   • Investment Objective: Invests in Public Sector Undertakings (PSUs) to generate long-term capital growth. Focuses on equity and equity-related instruments of PSUs.

   • Launch Date: 29 June 1987

   • Benchmark: BSE PSU Index

   • NAV (as of 10 January 2025): ₹32.67

   • Fund Manager(s): Rohit Shimpi

2. SBI Healthcare Opportunities Fund

   The SBI Healthcare Opportunities Fund focuses on investing in the healthcare and pharmaceutical sectors. It is ideal for investors who have a high-risk appetite and want to benefit from the growth in global healthcare trends.

   Features of SBI Healthcare Opportunities Fund:

   • Investment Objective: Aim to provide long-term capital growth by investing in healthcare and pharmaceutical companies.

   • Launch Date: 29 June 1987

   • Benchmark: BSE Healthcare Index

   • NAV (as of 10 January 2025): ₹498.19

   • Fund Manager(s): Tanmaya Desai and Pradeep Kesavan

3. SBI Long Term Equity Fund

   The SBI Long Term Equity Fund is an ELSS (Equity Linked Savings Scheme) that offers tax benefits under Section 80C. It invests in equities for long-term wealth creation and comes with a mandatory lock-in period of 3 years.

   Features of SBI Long Term Equity Fund:

   • Investment Objective: Offers tax-saving benefits under Section 80C while generating long-term wealth through diversified equity investments.

   • Launch Date: 29 June 1987

   • Benchmark Index: BSE 500 Index

   • NAV (as of 10 January 2025): ₹453.36

   • Fund Manager(s): Dinesh Balachandran

4. SBI Credit Risk Fund

   The SBI Credit Risk Fund is a debt fund that primarily invests in lower-rated but high-yield bonds to generate good returns. It is a good option for investors who are seeking higher income with moderate risk.

   Features of SBI Credit Risk Fund:

   • Investment Objective: Seeks to generate regular income and capital appreciation by investing in high-yield corporate bonds and credit-risk securities.

   • Launch Date: 29 June 1987

   • Benchmark Index: NIFTY Credit Risk Bond Index B-II

   • NAV (as of 10 January 2025): ₹47.08

   • Fund Manager(s): Lokesh Mallya, Pradeep Kesavan, and Adesh Sharma

5. SBI Dynamic Bond Fund

   The SBI Dynamic Bond Fund actively manages investments across different durations depending on interest rate changes. It is ideal for investors seeking flexible and stable returns from debt instruments.

   Features of SBI Dynamic Bond Fund:

   • Investment Objective: Offers flexibility to adjust investments across durations, focusing on maximizing returns from changing interest rate scenarios.

   • Launch Date: 29 June 1987

   • Benchmark Index: CRISIL Dynamic Bond A-III Index

   • NAV (as of 10 January 2025): ₹37.42

   • Fund Manager(s): Rajeev Radhakrishnan, Tejas Soman, and Pradeep Kesavan

6. SBI Magnum Gilt Fund

   The SBI Magnum Gilt Fund invests in government securities, ensuring high safety and stable returns. It is a suitable choice for conservative investors who want long-term capital preservation.

   Features of SBI Magnum Gilt Fund:

   • Investment Objective: Targets steady returns by investing primarily in government securities with minimal credit risk.

   • Launch Date: 29 June 1987

   • Benchmark Index: NIFTY All Duration G-Sec Index

   • NAV (as of 10 January 2025): ₹67.18

   • Fund Manager(s): Rajeev Radhakrishnan and Tejas Soman

7. SBI Multi Asset Allocation Fund

   The SBI Multi Asset Allocation Fund diversifies investments across equity, debt, and gold to balance risk and returns. It is ideal for investors who are looking for exposure to multiple asset classes in one portfolio.

   Features of SBI Multi Asset Allocation Fund:

   • Investment Objective: Aim to provide diversified growth by investing in multiple asset classes, including equity, debt, and gold.

   • Launch Date: 29 June 1987

   • Benchmark Index: Groww Equity Hybrid

   • NAV (as of 10 January 2025): ₹60.98

   • Fund Manager(s): Dinesh Balachandra, Mansi Sajeja, Pradeep Kesavan, and Vandna Soni

8. SBI Balanced Advantage Fund

   The s fund dynamically manages its allocation between equity and debt based on market conditions. It is a good choice for investors seeking stable returns with lower market volatility.

   Features of SBI Balanced Advantage Fund:

   • Investment Objective: Dynamically allocates assets between equity and debt to balance risk and reward, suitable for various market conditions.

   • Launch Date: 29 June 1987

   • Benchmark Index: NIFTY 50 Hybrid Composite Debt 50:50 Index

   • NAV (as of 10 January 2025): ₹15.09

   • Fund Manager(s): Anup Upadhyay

9. SBI Retirement Benefit Fund Aggressive Hybrid Plan

   The SBI Retirement Benefit Fund Aggressive Hybrid Plan focuses on retirement planning and invests in a mix of equity and debt for long-term growth. It is suitable for aggressive investors who are preparing for a secure retirement.

   Features of SBI Retirement Benefit Fund Aggressive Hybrid Plan Fund:

   • Investment Objective: Designed for retirement planning, investing in a mix of equity and debt to build long-term wealth.

   • Launch Date: 29 June 1987

   • Benchmark Index: CRISIL Hybrid 35+65 Aggressive Index

   • NAV (as of 10 January 2025): ₹18.84

   • Fund Manager(s): Ardhendu Bhattacharya, Rohit Shimpi, and Pradeep Kesavan

10. SBI Gold Direct Plan

    The SBI Gold Direct Plan invests in gold ETFs, providing an easy way to gain exposure to gold prices. It is an ideal option for investors looking to hedge against inflation or diversify their investment portfolio

    Features of SBI Gold Direct Fund:

    • Investment Objective: Provides returns linked to gold prices by investing in gold exchange-traded funds (ETFs), ideal for inflation protection.

    • Launch Date: 29 June 1987

    • Benchmark Index: Domestic Price of Gold

    • NAV (as of 10 January 2025): ₹24.10

    • Fund Manager(s): Raviprakash Sharma and Pradeep Kesavan

Benefits of Investing in SBI SIP Plans

Investing in SBI SIP plan offers numerous advantages, such as follows:

• Saving Regularly: SIPs help you save money regularly because you invest a fixed amount of money at regular intervals.

• Buying Smartly: SIPs let you buy more shares when prices are low and fewer shares when prices are high, so you end up paying an average price over time.

• Growing Your Money: SIPs make your money grow by reinvesting the profits you earn, which can make a big difference over a long time. You can use an SIP Calculator online to see how the power of compounding helps your money grow.

• Choice and Control: SBI SIP plans give you options to choose how much and how often you invest so you can match it to your needs and comfort.

• Spreading Risk: SBI offers different types of SIP plans, so you can spread your money across different types of investments, which helps lower your risk.

• Expert Help: Professionals manage SBI SIP plans, so you benefit from their knowledge and experience.

• Starting Small: You do not need a lot of money to start investing in SBI SIP plans, which makes it accessible to many people.

• Being Safe: SBI SIP plans to follow rules and regulations to keep your money safe and make sure everything is fair and clear.

In Summary

SBI SIP plans offer a convenient and disciplined approach to investing in market-linked funds, catering to various risk profiles and investment goals. With their flexibility, affordability, and expert management, SBI SIP plans empower you to steadily grow your wealth over time, making them a valuable option in the financial landscape.