Best SIP Plan for 10 Years

Investing in mutual funds through Systematic Investment Plans (SIPs) has become a popular and effective way to build wealth over the long term. A 10-year horizon is considered ideal for reaping the benefits of compounding and navigating market fluctuations. This page aims to provide you with a guide to the best SIP plans for 10 years, highlighting top-performing funds and illustrating the power of long-term investing.

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Save upto ₹46,800 in Taxunder section 80C^{^}

Zero LTCG Tax^¶

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Best SIPs to Invest in for 10 Years

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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Below is the list of best mutual funds for next 10 years

Fund Name	5 Year Returns	10 Year Returns
Mirae Asset Large & Midcap Fund Direct Plan Growth	19.99%	18.09%
Quant Large and Mid Cap Fund Growth Option Direct Plan	25.51%	17.66%
Canara Robeco Emerging Equities Direct Plan Growth Option	20.09%	16.80%
Bandhan Core Equity Fund Direct Plan Growth	22.87%	16.38%
Invesco India Large & MidCap Fund Direct Plan Growth	20.92%	16.09%
DSP Equity Opportunities Fund Direct Plan Growth	20.21%	15.94%
Kotak Equity Opportunities Direct Growth	20.03%	15.73%
ICICI Prudential Large & Mid Cap Fund Direct Plan Growth	24.02%	15.42%
Edelweiss Large & Mid Fund Direct Plan Growth Option	21.11%	15.16%
SBI Large & Midcap Fund Direct Growth	20.20%	15.07%

Mirae Asset Large & Midcap Fund Direct Plan Growth
- Investment Strategy: This fund invests in a mix of large-cap and mid-cap companies, aiming to provide a balance of stability and growth. It follows a bottom-up approach to stock picking, focusing on companies with strong fundamentals and growth potential.
- Portfolio: The fund's portfolio is well-diversified across sectors, with a significant allocation to financial services, healthcare, and technology. Some of its top holdings include HDFC Bank, Axis Bank, and State Bank of India.
- Performance: Mirae Asset Large & Midcap Fund has a good track record, delivering competitive returns over various time horizons.
- Risk: Very High Risk
Quant Large and Mid Cap Fund Growth Option Direct Plan
- Investment Strategy: This fund employs a unique quantitative approach to investing, using mathematical models and algorithms to identify promising stocks. It aims to generate alpha by actively managing the portfolio and dynamically allocating assets between large-cap and mid-cap companies.
- Portfolio: The fund's portfolio is relatively concentrated, with a focus on high-conviction stocks. It invests across sectors, with a preference for companies with strong growth prospects.
- Performance: Quant Large and Mid Cap Fund has delivered impressive returns in recent years, outperforming many of its peers. However, its performance can be volatile due to its concentrated portfolio and active investment approach.
- Risk: Very High Risk
Canara Robeco Emerging Equities Direct Plan Growth Option
- Investment Strategy: This fund focuses on investing in emerging companies with high growth potential. It seeks to identify companies that are well-positioned to benefit from long-term trends and have the potential to become future leaders in their respective industries.
- Portfolio: The fund's portfolio is diversified across sectors, with a focus on companies in the mid-cap and small-cap space. It may also have some exposure to large-cap companies with high growth potential.
- Performance: Canara Robeco Emerging Equities Fund has a strong track record, delivering good returns over the long term. However, its performance can be volatile due to its focus on emerging companies.
- Risk: Very High Risk
Bandhan Core Equity Fund Direct Plan Growth
- Investment Strategy: This fund invests in a diversified portfolio of large-cap and mid-cap companies, with a focus on long-term growth. It aims to provide investors a stable and consistent return profile.
- Portfolio: The fund's portfolio is well-diversified across sectors, with a focus on companies with strong fundamentals and growth potential. It may have a higher allocation to large-cap companies compared to some other large & midcap funds.
- Performance: Bandhan Core Equity Fund has a good track record, delivering competitive returns over various time horizons.
- Risk: Very High Risk
Invesco India Large & MidCap Fund Direct Plan Growth
- Investment Strategy: This fund invests in a mix of large-cap and mid-cap companies, aiming to provide a balance of stability and growth. It follows a blend of top-down and bottom-up approaches to stock picking.
- Portfolio: The fund's portfolio is well-diversified across sectors, with a focus on companies with strong fundamentals and growth potential.
- Performance: Invesco India Large & MidCap Fund has a good track record, delivering competitive returns over various time horizons.
- Risk: Very High Risk
DSP Equity Opportunities Fund Direct Plan Growth
- Investment Strategy: This fund aims to generate long-term capital appreciation by investing in a mix of large and mid-cap companies. It follows a flexible approach, allowing the fund manager to dynamically adjust the portfolio based on market conditions and growth opportunities.
- Portfolio: The fund's portfolio is diversified across sectors, with a significant allocation to financial services, consumer cyclicals, and basic materials. Top holdings typically include established companies like ICICI Bank, HDFC Bank, and Axis Bank.
- Performance: DSP Equity Opportunities Fund has a track record of delivering competitive returns over various time horizons. It has generally outperformed its benchmark, Nifty 500, in recent years.
- Risk: Very High Risk
Kotak Equity Opportunities Direct Growth
- Investment Strategy: This fund seeks to identify and invest in companies with high growth potential across various sectors. The fund manager employs a "growth at a reasonable price" (GARP) approach, focusing on companies with strong fundamentals and attractive valuations.
- Portfolio: Kotak Equity Opportunities Fund invests in a mix of large and mid-cap stocks, with a focus on sectors like financials, technology, and consumer goods. Its top holdings often include companies like HDFC Bank, Infosys, and ICICI Bank.
- Performance: The fund has consistently delivered strong returns over the long term, outperforming its benchmark, Nifty LargeMidcap 250 TRI.
- Risk: Very High Risk
ICICI Prudential Large & Mid Cap Fund Direct Plan Growth
- Investment Strategy: This fund aims to provide long-term capital growth by investing in a diversified portfolio of large and mid-cap stocks. The fund manager actively manages the portfolio, adjusting the allocation based on market opportunities and risk assessment.
- Portfolio: ICICI Prudential Large & Mid Cap Fund invests in a mix of large and mid-cap companies across various sectors, with a focus on financials, consumer goods, and technology. Its top holdings often include prominent companies like ICICI Bank, HDFC Bank, and Infosys.
- Performance: The fund has a strong track record of generating competitive returns, generally exceeding its benchmark, Nifty 200 TRI.
- Risk: Very High Risk
Edelweiss Large & Mid Fund Direct Plan Growth Option
- Investment Strategy: This fund aims to achieve long-term capital appreciation by investing in a diversified portfolio of large and mid-cap companies. The fund manager focuses on identifying companies with strong growth potential and sustainable business models.
- Portfolio: Edelweiss Large & Mid Fund invests in a mix of large and mid-cap stocks across various sectors, including financials, consumer goods, and industrials. Its top holdings typically include companies like ICICI Bank, HDFC Bank, and Larsen & Toubro.
- Performance: The fund has delivered competitive returns over different market cycles, generally aligning with its benchmark, Nifty LargeMidcap 250 TRI.
- Risk: Very High Risk
SBI Large & Midcap Fund Direct Growth
- Investment Strategy: This fund seeks to generate long-term capital growth by investing in a diversified portfolio of large and mid-cap companies. The fund manager employs a combination of top-down and bottom-up approaches to identify investment opportunities.
- Portfolio: SBI Large & Midcap Fund invests in a mix of large and mid-cap stocks across various sectors, with a focus on financials, consumer goods, and technology. Its top holdings often include well-known companies like ICICI Bank, HDFC Bank, and Infosys.
- Performance: The fund has a consistent track record of delivering reasonable returns, generally in line with its benchmark, Nifty LargeMidcap 250 TRI.
- Risk: Very High Risk

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	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

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 the details of the best sip to invest for 10 years

Fund Name	5 Year Returns	10 Year Returns
Tata AIA Life - Life Large Cap Equity Fund	20.02%	13.94%
Axis Max Life Pension Growth Super Fund	20.15%	13.88%
Kotak Mahindra Life - Kotak Frontline Equity Fund	18.56%	13.51%
SBI Life - Equity Pension Fund	15.23%	11.36%
HDFC Life Blue Chip Fund	4.77%	5.55%
Bandhan Life - Accelerator Fund	18.19%	12.39%
Future Generali Life - Future Pension Active Fund	19.17%	12.24%
Reliance Life Pure Equity Fund 2	19.34%	12.86%
PNB Met Life - Flexi Cap Fund	16.30%	11.42%
Bajaj Allianz Life - Equity Index Pension	16.96%	11.51%

Tata AIA Life - Life Large Cap Equity Fund

This fund aims to generate long-term capital appreciation by investing in equity and equity-related securities of large-cap companies. It focuses on fundamentally strong and undervalued companies with a mix of top-down and bottom-up approaches to stock selection.
Axis Max Life Pension Growth Super Fund

The Axis Max Life Pension Growth Super Fund aims to provide potentially higher returns to unit holders by investing predominantly in equities (to target growth in capital value of assets). However, the fund may also invest in Government securities, corporate bonds and money market instruments.
Kotak Mahindra Life - Kotak Frontline Equity Fund

Kotak Mahindra Life - Kotak Frontline Equity Fund aims for a high level of capital growth for you, by holding a significant portion in large-sized company equities. These are large-cap companies with a strong track record and established presence in their respective industries.
HDFC Life Blue Chip Fund

HDFC Life Blue Chip Fund aims to generate optimal returns for investors through short term investments in high credit quality securities so as to keep interest rate risks low and provide safety of capital over the medium term horizon.
Reliance Life Pure Equity Fund 2

Reliance Life Pure Equity Fund 2 to generate sustained long-term performance through exposure to equity investments. The risk appetite is ‘high’.
PNB Met Life - Flexi Cap Fund

PNB Met Life - Flexi Cap Fund to generate long-term capital appreciation from an actively managed portfolio of diversified stocks across the market capitalization spectrum.

SIP Calculator

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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 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)

16.82%

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

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Due to the delay of 10 Months

Your Target Wealth will reduce by 13.3%.

With loss of ₹13,87,249

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How Does SIP for 10 Years Work?

Let's illustrate how SIP works with a simple example. Suppose you invest ₹10,000 monthly in a mutual fund for 10 years. Assume an average annual return of 12% (for illustrative purposes only - actual returns may vary).

We can use an SIP calculator to estimate the final amount. Here's a simplified way to understand the concept:

Year 1: You invest ₹1,20,000 (₹10,000 x 12 months). At a 12% return, your investment grows to approximately ₹1,34,400.
Year 2: You invest another ₹1,20,000, and your existing investment also grows. The combined amount now earns interest.
This process continues for 10 years.

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The power of compounding comes into play as your earnings from previous years also generate returns in subsequent years. Over 10 years, even with a consistent monthly investment, the final corpus can be significantly larger than the total amount invested due to compounding.

Important Note: This is a simplified illustration. Actual market returns can fluctuate, impacting the final amount. It's crucial to remember that mutual fund investments carry market risk.

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Factors to Consider When Choosing Best SIP to Invest for 10 Years

Below are the factors to consider when choosing the best SIP plan for 10 years

Investment Goal: Define your financial goal for the 10-year period.
Risk Tolerance: Assess your risk appetite. Higher-risk tolerance may allow you to consider mid-cap or small-cap funds, which have higher growth potential but also higher volatility. Lower risk tolerance might be better suited for large-cap or balanced funds.
Fund Manager's Track Record: Research the fund manager's experience and performance over time.
Expense Ratio: Consider the expense ratio charged by the fund house, as it impacts your net returns.
Fund Category: Choose the fund category (large-cap, mid-cap, small-cap, flexi-cap, etc.) that aligns with your risk tolerance and investment goals.

Conclusion

Investing in SIPs for 10 years can be a rewarding way to achieve your long-term financial aspirations. By choosing the right funds, staying disciplined with your investments, and understanding the power of compounding, you can potentially build a substantial corpus over time.

FAQs

Why is 10 years considered a good timeframe for SIP investments?
10 years is considered a good timeframe for SIPs because it allows sufficient time for:
- Rupee Cost Averaging: To smooth out the impact of market fluctuations.
- Compounding: To allow your investments to grow exponentially.
- Achieving Long-Term Goals: To accumulate a substantial corpus for goals like retirement, education, or a down payment on a house.
How does compounding work in SIPs?

Compounding is the process of earning returns on your initial investment as well as on the accumulated interest or gains. In SIPs, as your investments grow, the earnings from those investments also start generating returns, leading to exponential growth over the long term.
What are the risks associated with SIP investments?

While SIPs help mitigate market volatility, they are still subject to market risks. Mutual fund investments are not guaranteed, and their value can fluctuate. It's essential to understand that past performance is not indicative of future results.
Can I withdraw my SIP investments before 10 years?

Yes, you can withdraw your SIP investments before 10 years, but there might be exit load charges depending on the fund and the withdrawal period. Withdrawing early may also impact your ability to achieve your long-term financial goals.
How much should I invest in a SIP?

The amount you should invest depends on your financial goals, income, and risk tolerance. Start with an amount you are comfortable investing regularly and can sustain for the long term. You can always increase your SIP amount later as your income grows.