SIP for Retirement

A Systematic Investment Plan (SIP) is a smart way to save for retirement. By investing a fixed amount every month in mutual funds, you can grow your savings over time. In 2025, SIPs help you manage market ups and downs, making your investment safer. The earlier you start, the more you can build for a secure and comfortable retirement.

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SIP Plan Benefits
Start SIP with as low as ₹1000
Start SIP with as low as ₹1000
No hidden charges
No hidden charges
Save upto ₹46,800 in Tax
Save upto ₹46,800 in Taxunder section 80C^
Zero LTCG Tax
Zero LTCG Tax
Disciplined & worry-free investing
Disciplined & worry-free investing

Best SIP Funds

Tax Saving FundsLarge Cap Low Return FundsMid Cap Mid Return FundsMulti CapDebt FundsShariah FundsBalanced Funds
Payment Mode
Invest
₹ 10,000
Invest for
AUM (Cr)

₹10,554

NAV

₹117.21

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 28.6 21.1 17.8 %

View Fund
Instant tax receipt
AUM (Cr)

₹2,620

NAV

₹72.66

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.67 15.91 15.38 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,256

NAV

₹72.14

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.48 16.44 15.37 %

View Fund
Instant tax receipt
AUM (Cr)

₹5,482

NAV

₹83.03

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.49 12.87 15.07 %

View Fund
Instant tax receipt
AUM (Cr)

₹35,798

NAV

₹78.01

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.44 14.95 14.85 %

View Fund
Instant tax receipt
AUM (Cr)

₹426

NAV

₹69.43

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.58 13.63 14.47 %

View Fund
Instant tax receipt
AUM (Cr)

₹4,333

NAV

₹69.67

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.49 14.85 14.4 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,508

NAV

₹42.03

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.83 13.38 14.19 %

View Fund
Instant tax receipt
AUM (Cr)

₹7,258

NAV

₹156.89

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.43 13.39 14.06 %

View Fund
Instant tax receipt
AUM (Cr)

₹235

NAV

₹50.54

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.17 14.96 13.98 %

View Fund
Instant tax receipt
AUM (Cr)

₹2,620

NAV

₹72.66

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.67 15.91 15.38 %

View Fund
AUM (Cr)

₹3,256

NAV

₹72.14

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.48 16.44 15.37 %

View Fund
AUM (Cr)

₹426

NAV

₹69.43

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.58 13.63 14.47 %

View Fund
AUM (Cr)

₹4,333

NAV

₹69.67

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.49 14.85 14.4 %

View Fund
AUM (Cr)

₹3,508

NAV

₹42.03

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.83 13.38 14.19 %

View Fund
AUM (Cr)

₹7,258

NAV

₹156.89

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.43 13.39 14.06 %

View Fund
AUM (Cr)

₹235

NAV

₹50.54

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.17 14.96 13.98 %

View Fund
AUM (Cr)

₹104

NAV

₹56.7

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.32 14.61 13.72 %

View Fund
AUM (Cr)

₹2,880

NAV

₹69.83

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 16.61 13.13 13.49 %

View Fund
AUM (Cr)

₹13,106

NAV

₹82.71

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 16.94 12.79 13.17 %

View Fund
AUM (Cr)

₹10,554

NAV

₹117.21

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 28.6 21.1 17.8 %

View Fund
AUM (Cr)

₹5,482

NAV

₹83.03

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.49 12.87 15.07 %

View Fund
AUM (Cr)

₹35,798

NAV

₹78.01

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.44 14.95 14.85 %

View Fund
AUM (Cr)

₹2,228

NAV

₹63.58

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 26.52 21.28 20.3 %

View Fund
AUM (Cr)

₹6

NAV

₹10.53

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.5 15.5 %

View Fund
AUM (Cr)

₹1,006

NAV

₹74.53

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.72 14.57 14.87 %

View Fund
AUM (Cr)

₹13,281

NAV

₹70.1

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 18.67 13.58 13.46 %

View Fund
AUM (Cr)

₹1,093

NAV

₹53.95

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 18.89 12.76 12.6 %

View Fund
AUM (Cr)

₹522

NAV

₹58.26

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 16.75 11.9 11.75 %

View Fund
AUM (Cr)

₹213

NAV

₹94.9

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 7.99 8.43 8.5 %

View Fund
AUM (Cr)

₹819

NAV

₹40.66

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 6.14 7.95 7.7 %

View Fund
AUM (Cr)

₹485

NAV

₹38.31

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.83 7.99 7.5 %

View Fund
AUM (Cr)

₹74

NAV

₹40.94

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.65 7.4 7.21 %

View Fund
AUM (Cr)

₹120

NAV

₹29.52

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 6.13 7.08 7.19 %

View Fund
AUM (Cr)

₹191

NAV

₹46.98

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.06 7.41 7.12 %

View Fund
AUM (Cr)

₹18,821

NAV

₹49.73

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.61 7.3 7.03 %

View Fund
AUM (Cr)

₹7,343

NAV

₹32.18

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.18 7.07 7.01 %

View Fund
AUM (Cr)

₹90

NAV

₹38.66

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.49 7.4 7 %

View Fund
AUM (Cr)

₹1,064

NAV

₹46.54

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 6.08 7.29 6.97 %

View Fund
AUM (Cr)

₹877

NAV

₹98.9

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.64 15.97 15.48 %

View Fund
AUM (Cr)

₹353

NAV

₹48.3

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.36 11.08 10.76 %

View Fund
AUM (Cr)

₹5,491

NAV

₹40.14

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.51 9.98 10.23 %

View Fund
AUM (Cr)

₹485

NAV

₹104.08

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.37 10.07 10.22 %

View Fund
AUM (Cr)

₹65

NAV

₹60.54

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 10.87 9.76 10.21 %

View Fund
AUM (Cr)

₹22,132

NAV

₹73.14

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.13 9.88 10.08 %

View Fund
AUM (Cr)

₹279

NAV

₹31.65

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.32 9.46 9.97 %

View Fund
AUM (Cr)

₹820

NAV

₹39.37

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.32 10.04 9.91 %

View Fund
AUM (Cr)

₹1,939

NAV

₹43.78

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.9 9.75 9.78 %

View Fund
AUM (Cr)

₹18

NAV

₹33.45

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.53 9.51 9.64 %

View Fund
AUM (Cr)

₹1,321

NAV

₹81.46

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 18.97 13.18 14.01 %

View Fund
AUM (Cr)

₹7,241

NAV

₹155.14

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.64 13.26 13.96 %

View Fund
AUM (Cr)

₹2,935

NAV

₹69.1

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 16.82 12.75 13.39 %

View Fund
View More

What is SIP for Retirement?

A Systematic Investment Plan (SIP) for retirement is a smart way to build a retirement corpus over time. It allows you to invest a fixed amount regularly in mutual funds, ensuring disciplined savings. SIPs benefit from the power of compounding and rupee cost averaging, reducing the impact of market volatility. By starting early and staying consistent, you can accumulate significant wealth to secure a comfortable retirement lifestyle.

  • Insurance Companies
  • Mutual Funds
Returns
Fund Name 5 Years 7 Years 10 Years
High Growth Fund Axis Max Life
Rating
 28.6% 21.1%
17.8%
View Plan
India Consumption Fund Tata AIA Life
Rating
 26.52% 21.28%
20.3%
View Plan
Accelerator Mid-Cap Fund II Bajaj Allianz
Rating
 20.49% 12.87%
15.07%
View Plan
Opportunities Fund HDFC Life
Rating
 21.44% 14.95%
14.85%
View Plan
Pension India Consumption Fund ICICI Prudential Life
Rating
 20.5% -
15.5%
View Plan
Multiplier Birla Sun Life
Rating
 22.25% 14.81%
15.75%
View Plan
Virtue II PNB MetLife
Rating
 20.48% 16.44%
15.37%
View Plan
Equity II Fund Canara HSBC Life
Rating
 16.68% 10.38%
10.86%
View Plan
Balanced Fund LIC India
Rating
 10.98% -
-
View Plan
Equity Fund SBI Life
Rating
 16.86% 12.02%
12.08%
View Plan
Fund rating powered by
Last updated: Aug 2025
Compare more funds

  Returns
Fund Name 3 Years 5 Years 10 Years
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

Buying the Dip Results in Higher ReturnsBuying the Dip Results in Higher Returns

How SIP for Retirement Work?

Let us learn the working of best SIP plan for retirement from the following steps:

  • Set Your Retirement Goal: Estimate the money you will need after retirement, considering future expenses, inflation, and lifestyle.

  • Pick the Right Fund: Choose equity mutual funds for long-term growth or hybrid funds for balanced risk based on your retirement timeline.

  • Start Investing Early: Begin SIPs as early as possible with a fixed monthly amount to take full advantage of compounding.

  • Benefit from Compounding: SIP returns are reinvested, helping your investments grow exponentially over time.

  • Stay Consistent: Invest regularly without stopping, even during market ups and downs, to achieve long-term goals.

  • Review Periodically: Check your investments yearly and increase the SIP amount or switch funds if needed for better returns.

SIP Calculator

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
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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
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
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Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
% Annually
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Monthly Investment ₹22.4 L
View Plans
Top Funds with High Returns (Past 7 Years)
High Growth Fund
17.8%
High Growth Fund
India Consumption Fund
20.3%
India Consumption Fund
Accelerator Mid-Cap Fund II
15.07%
Accelerator Mid-Cap Fund II
Global Equity Index Funds Strategy
15.24%
Global Equity Index Funds Strategy
Pension India Consumption Fund
15.5%
Pension India Consumption Fund
Multiplier
15.75%
Multiplier
Virtue II
15.37%
Virtue II
Equity II Fund
10.86%
Equity II Fund
Accelerator Fund
13.98%
Accelerator Fund
Pension Dynamic Equity Fund
11.47%
Pension Dynamic Equity Fund
Frontline Equity Fund
14.4%
Frontline Equity Fund
Equity Pension
12.58%
Equity Pension
Equity Top 250 Fund
11.75%
Equity Top 250 Fund
Growth Opportunities Plus Fund
14.87%
Growth Opportunities Plus Fund
Future Apex Fund
13.72%
Future Apex Fund
US Equity Fund
13.87%
US Equity Fund

SIP Calculator to Estimate Retirement Fund

A SIP calculator is a helpful tool to estimate the monthly investment needed to achieve your retirement goal. It calculates the required investment based on your retirement goal amount, investment duration, and expected return rate.

    1. SIP Calculator for Retirement Fund

      Select the “I Know My Goal Amount” option in the SIP calculator. Then, enter your retirement goal, investment duration, and expected returns-

      • Current Age: 30 years

      • Retirement Age: 60 years

      • Investment Duration: 60 - 30 years = 30 years

      • Retirement Expenses Estimate: ₹3,00,00,000

      • Expected Return: 15% annually.

    2. SIP Calculator Results

      The calculator provides the required monthly investment-

      • Monthly Investment Required: ₹9,430

      • Total Investment: ₹29,40,000

      • Amount Required: ₹3,00,00,000

      • Wealth Gained from SIP: ₹2,72,00,000.

SIP Plans
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10 Years
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12 Years
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15 Years
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20 Years
SIP Plans

Key Points to Consider Before Investing in a SIP for Retirement

Consider the following points before starting to invest in a SIP for a retirement plan:

  • Define Your Retirement Goal: Decide how much money you will need for your retirement based on your lifestyle, daily expenses, and inflation.

  • Start Early: Begin investing as early as possible to take advantage of compounding and build a larger retirement corpus.

  • Understand Your Risk Appetite: Know how much risk you can take. If you are comfortable with high risk, choose equity funds. For safer options, go for debt funds.

  • Check Expected Returns: Look at the past performance of funds to understand how much return you can expect in the future.

  • Diversify Your Investments: Invest in different types of funds like equity, debt, and hybrid to balance risk and returns.

  • Account for Inflation: Consider the rising cost of living and invest in funds that can grow faster than inflation.

  • Review Regularly: Monitor your SIP investments regularly and make changes if the fund is not performing well.

  • Look for Tax Benefits: If you want tax savings, invest in SIPs like ELSS funds that are eligible for deductions under Section 80C.

  • Compare Expense Ratios: Choose funds with a low expense ratio to save on costs and get better returns.

Start Small & Build Your Wealth For A Brighter Tomorrow Start Small & Build Your Wealth For A Brighter Tomorrow

Conclusion

SIP for retirement allows you to invest a fixed amount regularly to build a retirement corpus with the help of compounding. SIPs offer flexibility, so you can start with a small amount and increase it as you go. It is a long-term strategy that helps you build a good retirement fund. The key is to start early, stay consistent, and let your SIPs grow over time.

SIP Hub
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BOI SIP Investment
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HSBC SIP Investment
Index Fund Systematic Investment Plan
Axis Max Life SIP Plans
500 SIP for 1 Year
500 SIP for 2 Years
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500 SIP for 15 Years
500 SIP for 20 Years
500 SIP for 25 Years
1000 SIP for 1 Year
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1000 SIP for 30 Years
2000 SIP for 1 Year
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2000 SIP for 18 Years
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5000 SIP for 1 Year
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5000 SIP for 25 Years
10000 SIP for 2 Years
10000 SIP for 15 Years
10000 SIP for 25 Years
15000 SIP for 1 Year
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16000 SIP for 5 Years
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20000 SIP for 1 Year
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50000 SIP for 1 Year
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50000 SIP for 10 Years
50000 SIP for 15 Years
50000 SIP for 20 Years
50000 SIP for 25 Years
SIP Calculator
SBI SIP Calculator
HDFC SIP Calculator
AXIS SIP Calculator
BOI SIP Calculator
Canara Bank SIP Calculator
DHFL SIP Calculator
ICICI SIP Calculator
IDBI SIP Calculator
Kotak SIP Calculator
PNB SIP Calculator
Union Bank SIP Calculator
Step up SIP Calculator
HSBC SIP Calculator
Aditya Birla SIP Calculator
Index Fund SIP Calculator
Yes Bank SIP Calculator
Reliance SIP calculator
Bajaj Allianz SIP Calculator
TATA SIP Calculator

FAQs

  • What is SIP for Retirement?

    SIP for retirement is a way to invest a fixed amount regularly in mutual funds. This helps you save money for your retirement over time.

  • How does SIP for Retirement work?

    With SIP for retirement, you invest a small amount every month in mutual funds. Over the years, your investment grows with compounding, helping you build a retirement fund.

  • Why should I choose SIP for Retirement?

    SIP for retirement helps you invest regularly, using market growth and compounding. This way, you can create a large retirement fund over time.

  • When should I start SIP for Retirement?

    It is advisable to start SIP for retirement as soon as possible. The earlier you start, the more time your investment will have to grow.

  • What are the benefits of SIP for Retirement?

    SIP for retirement helps you invest regularly and build wealth. It also gives you the advantage of compounding and makes investing easy.

˜Top plans are based on annualized premium, for bookings made through https://www.policybazaar.com in FY 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
Disclaimer:#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. All SIPs listed here are of insurance companies’ funds. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).

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