How to Invest in SIP for Beginners?

SIP (Systematic Investment Plan) is an easy way for beginners to invest in mutual funds. You can start with as little as ₹100 per month and gradually build your wealth over time. SIP helps you invest regularly, no matter how small the amount is, and benefits from market growth over time.

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 Funds

Tax Saving Funds Large Cap Low Return Funds Mid Cap Mid Return Funds Multi Cap Debt Funds Shariah Funds Balanced Funds

Payment Mode

Invest

₹ 10,000

Invest for

High Growth Fund

AUM (Cr)

₹12,085

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 22.7 22.42 18.4 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,771

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.82 18.01 16 %

View Fund

Instant tax receipt

Opportunities Fund

AUM (Cr)

₹36,958

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.5 16.12 15.9 %

View Fund

Instant tax receipt

Virtue II

AUM (Cr)

₹3,352

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.85 17.59 15.41 %

View Fund

Instant tax receipt

Grow Money Plus Fund

AUM (Cr)

₹448

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.11 15.37 14.98 %

View Fund

Instant tax receipt

Frontline Equity Fund

AUM (Cr)

₹4,767

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.6 16.49 14.77 %

View Fund

Instant tax receipt

Accelerator Fund

AUM (Cr)

₹237

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.75 16.54 14.47 %

View Fund

Instant tax receipt

Diversified Equity Fund

AUM (Cr)

₹3,688

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.79 14.81 14.34 %

View Fund

Instant tax receipt

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,748

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.94 14.59 14.3 %

View Fund

Instant tax receipt

Future Apex Fund

AUM (Cr)

₹118

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.87 16.16 14.22 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,771

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.82 18.01 16 %

View Fund

Virtue II

AUM (Cr)

₹3,352

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.85 17.59 15.41 %

View Fund

Grow Money Plus Fund

AUM (Cr)

₹448

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.11 15.37 14.98 %

View Fund

Frontline Equity Fund

AUM (Cr)

₹4,767

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.6 16.49 14.77 %

View Fund

Accelerator Fund

AUM (Cr)

₹237

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.75 16.54 14.47 %

View Fund

Diversified Equity Fund

AUM (Cr)

₹3,688

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.79 14.81 14.34 %

View Fund

Future Apex Fund

AUM (Cr)

₹118

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.87 16.16 14.22 %

View Fund

Growth Super Fund

AUM (Cr)

₹13,252

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.75 14.23 13.52 %

View Fund

Bluechip Equity Fund

AUM (Cr)

₹1,033

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.94 14.54 13.34 %

View Fund

Super 20

AUM (Cr)

₹2,224

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.66 14.09 13.17 %

View Fund

High Growth Fund

AUM (Cr)

₹12,085

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 22.7 22.42 18.4 %

View Fund

Opportunities Fund

AUM (Cr)

₹36,958

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.5 16.12 15.9 %

View Fund

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,748

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.94 14.59 14.3 %

View Fund

Multi Cap Fund

AUM (Cr)

₹9,602

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 29 23.3 21.11 %

View Fund

Growth Opportunities Plus Fund

AUM (Cr)

₹1,051

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.62 16.09 15.13 %

View Fund

Classic Opportunities Fund

AUM (Cr)

₹14,008

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.91 15.07 13.77 %

View Fund

Opportunities Fund

AUM (Cr)

₹3,621

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.72 15 13.28 %

View Fund

Flexi Cap

AUM (Cr)

₹1,145

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.62 14.99 13.18 %

View Fund

Equity Top 250 Fund

AUM (Cr)

₹542

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.26 13.37 11.77 %

View Fund

Asset Allocation

AUM (Cr)

₹268

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.96 10.83 11.18 %

View Fund

Whole Life Income Fund

AUM (Cr)

₹818

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.69 7.21 7.58 %

View Fund

Debt Fund

AUM (Cr)

₹506

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.43 7.36 7.43 %

View Fund

Individual Preserver Pension Fund

AUM (Cr)

₹172

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.24 6.82 7.23 %

View Fund

Steady Money Fund

AUM (Cr)

₹73

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.42 6.83 7.11 %

View Fund

Bond Fund

AUM (Cr)

₹119

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.83 6.87 7.1 %

View Fund

Dynamic Gilt Fund

AUM (Cr)

₹184

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 4.6 6.43 7.01 %

View Fund

Debt Fund

AUM (Cr)

₹92

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.25 6.82 6.96 %

View Fund

Bond Fund

AUM (Cr)

₹18,103

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.28 6.67 6.93 %

View Fund

Secure Fund

AUM (Cr)

₹1,026

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.71 6.65 6.92 %

View Fund

Whole Life Aggressive Growth Fund

AUM (Cr)

₹931

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.6 17.27 15.93 %

View Fund

Balanced Fund

AUM (Cr)

₹367

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.7 11.61 10.89 %

View Fund

Balanced Fund

AUM (Cr)

₹5,476

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.66 10.87 10.55 %

View Fund

Save N Grow Money Fund

AUM (Cr)

₹67

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.79 10.17 10.39 %

View Fund

Creator

AUM (Cr)

₹482

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.99 10.45 10.34 %

View Fund

Balanced Fund

AUM (Cr)

₹22,439

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.72 10.42 10.22 %

View Fund

Asset Allocation Fund II

AUM (Cr)

₹281

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.81 10.65 10.22 %

View Fund

Balancer II

AUM (Cr)

₹835

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.91 10.87 10.14 %

View Fund

Growth Fund

AUM (Cr)

₹7,398

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.48 10.53 9.97 %

View Fund

Stable Fund

AUM (Cr)

₹18

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.87 10.09 9.81 %

View Fund

Super Select Equity Fund

AUM (Cr)

₹1,309

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.94 14.56 13.98 %

View Fund

Pure Stock Fund

AUM (Cr)

₹7,449

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.39 14.66 13.73 %

View Fund

Pure Equity

AUM (Cr)

₹3,075

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.52 13.99 13.26 %

View Fund

What is SIP for Beginners?

SIP is a method of investing a fixed amount in mutual funds every month. It’s perfect for beginners as it reduces the need to monitor the market every day and helps them earn returns through regular contributions.

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
Equity Fund SBI Life Rating	13.96%	13.51%	12.42% View Plan
Opportunities Fund HDFC Life Rating	19.5%	16.12%	15.9% View Plan
High Growth Fund Axis Max Life Rating	22.7%	22.42%	18.4% View Plan
Opportunities Fund ICICI Prudential Life Rating	16.72%	15%	13.28% View Plan
Multi Cap Fund Tata AIA Life Rating	29%	23.3%	21.11% View Plan
Accelerator Mid-Cap Fund II Bajaj Life Rating	17.94%	14.59%	14.3% View Plan
Multiplier Birla Sun Life Rating	19.5%	16.47%	15.9% View Plan
Pension Mid Cap Fund PNB MetLife Rating	31.41%	24.68%	18.41% View Plan
Equity II Fund Canara HSBC Life Rating	13.61%	11.93%	11.26% View Plan
US Equity Fund Star Union Dai-ichi Life Rating	15.2%	-	14.8% View Plan

Fund rating powered by

Last updated: Nov 2025

Compare more funds

Fund Name	AUM	Return 3 Years	Return 5 Years	Return 10 Years	Minimum Investment	Return Since Launch
Motilal Oswal BSE Enhanced Value Index Fund Regular - Growth	₹822.00 Crs	35.31%	N/A	N/A	₹500	35.07%
Bandhan Small Cap Fund Regular-Growth	₹14,062.19 Crs	29.34%	30.26%	N/A	₹1,000	31.59%
Motilal Oswal Midcap Fund Regular-Growth	₹33,608.53 Crs	25.97%	33.24%	17.66%	₹500	22.31%
ICICI Prudential Infrastructure Fund-Growth	₹7,941.20 Crs	28.79%	37.23%	17.14%	₹5,000	15.97%
Canara Robeco Large Cap Fund Regular-Growth	₹16,406.92 Crs	16.08%	17.34%	13.87%	₹100	12.99%
Mirae Asset Large Cap Fund Direct- Growth	₹39,975.32 Crs	14.85%	17.48%	14.46%	₹5,000	16.26%
Kotak Midcap Fund Regular-Growth	₹57,375.20 Crs	22.42%	27.51%	18.07%	₹100	15.26%
SBI Small Cap Fund-Growth	₹35,562.96 Crs	13.89%	23.99%	18.17%	₹5,000	19.25%
SBI Gold ETF	₹8,810.86 Crs	31.81%	17.85%	15.14%	₹5,000	12.57%

Last updated: Nov 2025

Compare more funds

Buying the Dip Results in Higher Returns

How to Start a SIP for Beginners?

Starting a SIP is straightforward. Here are the essential steps:

Complete KYC Requirements:
- Gather necessary documents: PAN card, proof of address (Aadhaar, passport), and a passport-sized photograph.
- Complete KYC (Know Your Customer) formalities either online or at authorized banks or post offices.
Choose a Mutual Fund:
- Research and select a mutual fund that aligns with your financial goals and risk appetite.
- Consider factors like past performance, fund manager reputation, and expense ratio.
Register for an Account:
- Sign up with a broker or directly with a mutual fund house.
- Fill the application form with personal details and bank account information.
Investment Amount and Frequency:
- Decide how much you want to invest monthly or quarterly using an SIP return calculator.
- Choose a convenient date for automatic deductions from your bank account.
Submit Your Application:
- Complete the registration process by submitting your application online or offline.
- If applying online, ensure you have an e-mandate set up for automatic transactions.

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 ₹1.03 Cr

View Plans

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

View Plans

Top Funds with High Returns (Past 7 Years)

13.09%

Equity Pension

15.9%

Opportunities Fund

19.1%

Pension Growth Super

13.28%

Opportunities Fund

21.11%

Multi Cap Fund

14.3%

Accelerator Mid-Cap Fund II

15.9%

Multiplier

14.77%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

11.26%

Equity II Fund

14.8%

US Equity Fund

15.13%

Growth Opportunities Plus Fund

11.77%

Equity Top 250 Fund

14.22%

Future Apex Fund

12.11%

Pension Dynamic Equity Fund

14.55%

Pension Enhanced Equity

Points to Consider Before Investing in SIP

You should consider the following points before you start investing in one of the Best SIP Plans available:

Investment Goals: Set clear financial goals to ensure your SIP investments are aligned with your objectives.
Risk Tolerance: Assess your risk appetite to choose the right type of SIP (equity or debt) based on your comfort with market fluctuations.
Time Horizon: Choose an investment period that suits your goal, as a longer duration can lead to better returns.
Start Early: The earlier you invest, the more your money will grow due to the power of compounding over time.
Amount to Invest: Decide a monthly investment amount that fits your budget without impacting daily expenses.
Market Volatility: Be prepared for market ups and downs. SIPs average out your cost over time, reducing volatility’s impact.
Regular Monitoring: Review your SIP’s performance periodically to ensure it aligns with your financial goals.
Expense Ratio: Consider the fund’s expense ratio. Lower ratios generally result in better returns.
Diversification: Spread your investments across different asset classes to reduce risk and ensure consistent returns.
Tax Benefits: Tax-saving SIPs like ULIP or ELSS allow you to claim deductions under Section 80C of the Income Tax Act.

Key Benefits of Investing through SIP

The key benefits of SIP investment are listed below:

Rupee Cost Averaging: SIPs average your investment cost, which helps reduce the effect of market volatility.
Compounding Power: Starting early lets your investments grow through compounding, increasing wealth over time.
Affordability: SIPs allow you to start with a small amount, making them accessible to everyone.
Discipline: SIPs encourage consistent, disciplined investing, crucial for long-term wealth accumulation.
Flexibility: You can easily adjust your SIP by increasing, decreasing, or pausing it based on your financial situation.
Diversification: SIPs help diversify your investments across various asset classes, spreading risk.
Tax Benefits: Tax-saving SIPs under Section 80C can reduce your taxable income.
Automatic Investment: SIPs are automated, so you don't have to worry about timing the market.
Reduced Timing Risks: SIPs remove the need to time the market, as they involve consistent, long-term investments.

Start Small & Build Your Wealth For A Brighter Tomorrow

Conclusion

SIP is an excellent investment option for beginners to invest in mutual funds. It helps you invest regularly, grow wealth over time, and achieve your financial goals. Start small and let the power of SIP work for you.

FAQs

What is the minimum amount required to start an SIP?

You can start an SIP with as little as ₹100 for some mutual funds.
How long should I invest in an SIP?

SIPs are ideal for long-term goals (5-10 years or more).
Can I change the SIP amount?

Yes, you can increase or decrease the SIP amount as per your preference.
Is SIP risk-free?

No, SIPs are subject to market risk, especially if you invest in equity funds.
Can I withdraw my SIP anytime?

Yes, you can redeem your investments anytime but may incur charges based on the type of mutual fund.

How to Invest in SIP for Beginners?

Best SIP Funds

What is SIP for Beginners?

How to Start a SIP for Beginners?

Complete KYC Requirements:

Choose a Mutual Fund:

Register for an Account:

Investment Amount and Frequency:

Submit Your Application:

SIP Calculator

Points to Consider Before Investing in SIP

Key Benefits of Investing through SIP

Conclusion

FAQs

What is the minimum amount required to start an SIP?

How long should I invest in an SIP?

Can I change the SIP amount?

Is SIP risk-free?

Can I withdraw my SIP anytime?

SIP plans articles

Explore the popular searches and stay informed

How to Invest in SIP for Beginners​?

Best SIP Funds

What is SIP for Beginners?

How to Start a SIP for Beginners?

Complete KYC Requirements:

Choose a Mutual Fund:

Register for an Account:

Investment Amount and Frequency:

Submit Your Application:

SIP Calculator

Points to Consider Before Investing in SIP

Key Benefits of Investing through SIP

Conclusion

FAQs

What is the minimum amount required to start an SIP?

How long should I invest in an SIP?

Can I change the SIP amount?

Is SIP risk-free?

Can I withdraw my SIP anytime?

SIP plans articles

Explore the popular searches and stay informed

How to Invest in SIP for Beginners?