Best 1 Year SIP Plans^~

One of the emerging investment options in India, SIPs or Systematic Investment Plans is gaining popularity amongst the masses every passing day. One of the methods of investment under the Mutual Funds^{^^} category, the other method being the Lump sum, SIPs have shown remarkable growth in the recent past because of their small investment amount and great returns. SIPs offer 1 year, 3 years, 5 years, and 10 years’ investment options as per the convenience of the investor.

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

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
High Growth Fund Max Life Rating	33.56%	19.72%	16.82% View Plan
Top 200 Fund Tata AIA Rating	33.06%	20.69%	16.57% View Plan
Accelerator Mid-Cap Fund II Bajaj Allianz Rating	26.11%	11.93%	13.25% View Plan
Opportunities Fund HDFC Standard Rating	26.28%	13.34%	13.43% View Plan
Growth Plus Fund Canara HSBC Oriental Bank Rating	18.66%	9.86%	9.13% View Plan
Grow Money Plus Fund Bharti AXA Rating	23.24%	13.96%	12.71% View Plan
Multiplier Birla Sun Life Rating	27.71%	12.46%	14.1% View Plan
Opportunities Fund ICICI Prudential Rating	24.94%	12.68%	10.91% View Plan
Flexi Growth Fund LIC Rating	-	-	- View Plan
Virtue II PNB Metlife Rating	23.2%	17.21%	15.2% View Plan

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Last updated: Mar 2025

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Fund Name	3 Years	5 Years	10 Years
	Returns
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: 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

Buying the Dip Results in Higher Returns

Let us explore some of the best 1-year Systematic Investment Plan options available for people in India currently and their return ratio in detail.

What is SIP?

First things first. Mutual Fund investments are basically investment vehicles where AMCs (Asset Management Companies) or various other fund houses pool their investments together to earn great returns over a period of time. Now, all the investors are not able to invest huge amounts in Mutual Funds and hence Mutual Fund investments can be made either in the SIP method and Lump sum method of investment.

SIP involves pocket-friendly regular deposits, pre-defined tenure, and great returns making it an affordable and popular investment option amongst new and old investors. Regular investment in a SIP can be either monthly, quarterly, or weekly as per the investor’s convenience.

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

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)

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

Cost of Delay Calculator

Start early, gain more

Monthly SIP Amount

/Month

Invest For (in Years)

Years

Stay Invested For (in Years)

Years

Expected return

% Annually

If you start SIP after (in Months)

Months

Due to the delay of 10 Months

Your Target Wealth will reduce by 13.3%.

With loss of ₹13,87,249

Start TodayDelayed Start

Invest Now

Best performing 1-year SIP Plans^~

Here are some category-wise top-performing SIPs under the Equity, Debt, and Hybrid Mutual Funds:

Equity, Sectoral Funds

Fund Name	1 year	3 years	Fund Size(Cr)
BNP Paribas India Consumption Fund Direct Growth	23.10%	23.00%	871.93
Canara Robeco Consumer Trends Fund Direct Growth	23.70%	21.80%	772.57
Invesco India Infrastructure Fund Direct Growth	48.40%	26.50%	416.73
Quant Infrastructure Fund Direct Growth	71.50%	37.70%	292.29
SBI Banking & Financial Services Fund Direct Growth	15.60%	15.40%	2,976.46

Disclaimer: ≈ 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. The sorting is done in alphabetical order (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in

Equity, Mid-Cap Funds

Fund Name	1 year	3 years	Fund Size(Cr)
Axis Midcap Direct Plan Growth	34.40%	26.80%	16,835.10
Invesco India Mid Cap Fund Direct Growth	35.20%	24.40%	2,194.83
Kotak Emerging Equity Fund Direct Growth	39.70%	26.40%	17,529.48
Nippon India Growth Fund Direct Growth	38.10%	24.80%	11,906.10
PGIM India Midcap Opportunities Fund Direct Growth	53.90%	37.60%	4,069.76

Equity, Small Cap Funds

Fund Name	1 year	3 years	Fund Size(Cr)
Axis Small Cap Fund Direct Growth	54.20%	34.10%	8,178.51
BOI AXA Small Cap Fund Direct Growth	63.40%	40.90%	212.88
Kotak Small Cap Fund Direct Growth	60.80%	36.00%	6,761.51
Nippon India Small Cap Fund Direct Growth	66.50%	31.10%	18,831.70
SBI Small Cap Fund Direct Growth	42.70%	29.60%	11,250.50

Equity, Multi-Cap Funds

Fund Name	1 year	3 years	Fund Size(Cr)
Aditya Birla Sun Life India Opportunities Direct Fund Growth	32.60%	15.60%	144.16
Aditya Birla Sun Life India Reforms Direct Fund Growth	11.10%	13.10%	124.3
Aditya Birla Sun Life Special Situations Direct Fund Growth	16.60%	15.00%	181.08
Tata Dividend Yield (Ex) Direct Plan Growth	4.80%	9.10%	326.64
UTI Bluechip Flexicap Fund Direct Growth	24.30%	13.00%	2,306.24

start-an-sip-today-watch-your-money-grow

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Debt, Credit Risk Funds

Fund Name	1 year	3 years	Fund Size(Cr)
Axis Credit Risk Fund Direct Growth	7.10%	7.20%	729.83
Baroda Credit Risk Fund Plan B Direct Growth	19.80%	8.40%	207.13
HDFC Credit Risk Debt Fund Direct Growth	7.40%	9.30%	8,979.01
ICICI Prudential Credit Risk Fund Direct Plan Growth	7.10%	9.10%	8,415.87
SBI Credit Risk Fund Direct Growth	5.80%	7.60%	3,288.88

Debt, Gilt Funds

Fund Name	1 year	3 years	Fund Size(Cr)
Aditya Birla Sun Life Government Securities Fund Direct Plan Growth	4.10%	9.40%	1,035.19
Axis Gilt Fund Direct Plan Growth	3.00%	9.60%	146.63
DSP Government Securities Direct Plan Growth	3.50%	10.10%	431.6
Edelweiss Government Securities Fund Direct Growth	5.20%	10.10%	118.11
IDFC Government Securities Investment Plan Direct Growth	2.90%	10.30%	1,466.04

Hybrid, Aggressive Hybrid Funds

Fund Name	1 year	3 years	Fund Size(Cr)
BNP Paribas Substantial Equity Hybrid Fund Direct Growth	20.30%	19.90%	744.21
Canara Robeco Equity Hybrid Fund Direct Growth	20.10%	18.80%	7,297.44
DSP Equity & Bond Direct Growth	20.00%	19.10%	7,640.94
Mirae Asset Hybrid Equity Fund Direct Growth	20.70%	18.00%	6,450.06
Quant Absolute Fund Direct Growth	36.70%	28.60%	136.32

Hybrid, Multi-Asset Allocation Funds

Fund Name	1 year	3 years	Fund Size(Cr)
Axis Triple Advantage Direct Plan Growth	20.90%	20.10%	1,649.77
HDFC Multi Asset Fund Direct Growth	17.60%	16.70%	1,396.24
ICICI Prudential Multi Asset Fund Direct Growth	35.90%	19.30%	12,320.77
Quant Multi Asset Fund Direct Growth	57.00%	29.90%	171.54
SBI Multi Asset Allocation Fund Direct Growth	12.40%	13.10%	505.26

Hybrid, Aggressive Hybrid Funds

Fund Name	1 year	3 years	Fund Size(Cr)
BNP Paribas Substantial Equity Hybrid Fund Direct Growth	20.30%	19.90%	744.21
Canara Robeco Equity Hybrid Fund Direct Growth	20.10%	18.80%	7,297.44
DSP Equity & Bond Direct Growth	20.00%	19.10%	7,640.94
Mirae Asset Hybrid Equity Fund Direct Growth	20.70%	18.00%	6,450.06
Quant Absolute Fund Direct Growth	36.70%	28.60%	136.32

It is important to know that there are many other Systematic Investment Plans with decent returns. Deep research about the mutual fund market is advisable before making any kind of investment plan.

People Also Read: Systematic Withdrawal Plan (SWP)

Why invest in SIP?

One of the revolutionary impacts that the SIPs bring in lives of the investors is financial discipline. The monthly installments of the SIPs develop the habit of savings in the investor’s life teaching perseverance and enabling them to build a substantial financial corpus over a defined period of time.

Apart from discipline, here are some major reasons why an investor should consider investing in SIPs as compared to any other investment option:

Rupee Cost Averaging

As we know the equity market is volatile in nature so, when it comes to investment in SIP, it helps the investor to purchase more when the prices are low and less when the market is booming. SIPs are beneficial for investors who invest in more shares at less price rather than investors who invest a large sum in just one share.
Purchase Multiple SIPs

An investor can buy multiple SIPs together instead of putting all their money on just 1 kind of investment. This helps in portfolio diversification as well as better chances of great returns.
Small Amount Investment

SIP investments are gaining popularity these days and one of the main attraction, why investors are more inclined towards a SIP investment compared to other options, is the minimum investment amount allowed while purchasing a SIP.
Flexibility

Generally, an investor can start and stop a SIP wherever they wish to, offering great flexibility even if the investment amount is low.

To conclude!

There are many Systematic Investment Plan options available in the market with low to high risk involved. It is important to remember that thorough research of the market is required before making any kind of investment and as far as SIPs are considered, an investor should know: