SIP Insurance 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
Meaning of a SIP Plan
A Systematic Investment Plan (SIP) is a smart and disciplined way of investing in market-linked investments like Unit Linked Insurance Plans (ULIP) and mutual funds over the long term. You contribute a fixed amount regularly, usually every month or quarter, allowing your investment to grow steadily.
By investing in the best SIP for 30 years, you benefit from the power of compounding, where even smaller contributions can build up into substantial wealth over time. It also helps you deal with market ups and downs, as regular investments balance out fluctuations. Simply put, a 30-year SIP is an easy, effective way to grow your wealth while managing risks.
SIP Calculator
Monthly Investment
₹22.4 L
Top Funds with High Returns (Past 7 Years)
19.3%
High Growth Fund
15.61%
Accelerator Mid-Cap Fund II
15.48%
Opportunities Fund
Best SIP for 30 Years in India in 2024
The following table lists the best SIP investment offered by various insurance companies and mutual fund houses:
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Insurance Companies
| Fund Name |
1 Year Returns |
3 Years Returns |
5 Years Returns |
| Accelerator Mid-Cap Fund II BAJAJ ALLIANZ |
46.2% |
21.6% |
24.7% |
| High Growth Fund MAX LIFE |
57.8% |
27.8% |
29.7% |
| Whole Life Mid Cap Equity Fund TATA AIA |
44.6% |
23.5% |
29.4% |
| Multiplier Fund ADITYA BIRLA LIFE |
41.3% |
23.4% |
26.2% |
| Mid Cap Fund PNB METLIFE |
57.6% |
32.3% |
32.8% |
| Discovery Fund HDFC LIFE |
48.2% |
21.8% |
32.4% |
| Mid Cap Fund ICICI PRU LIFE |
50.7% |
– |
– |
| Nifty Mid Cap 50 Correlation Fund PRAMERICA LIFE |
45.1% |
– |
– |
| Growth Opportunities Plus Fund BHARATI AXA |
35.7% |
17% |
22.6% |
| Future Apex Fund FUTURE GENERALI |
29.2% |
17.2% |
22.8% |
*Updated as of September 2024
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Mutual Funds
| Fund Name |
1 Year Returns |
3 Years Returns |
5 Years Returns |
| Active Fund MOTILAL OSWAL |
62.40% |
38.70% |
36.10% |
| ELSS Tax Saver Fund QUANT ACTIVE |
48.10% |
26.60% |
38.80% |
| Infrastructure Fund INVESCO INDIA |
67.60% |
33.50% |
35.70% |
| Infrastructure and Economic Reform Fund KOTAK |
56.30% |
33.40% |
32.80% |
| Small Cap Fund NIPPON INDIA |
46.90% |
33.20% |
40.30% |
| Small Cap Fund TATA |
48.60% |
30.60% |
37.20 |
| Flexicap Fund JM |
61.50% |
30.10% |
29.80% |
| Contra Fund SBI |
44.70% |
29.70% |
33.90% |
| Focused 30 Fund HDFC |
44.10% |
29.30% |
26.60% |
| ELSS Tax Saver Fund BANDHAN |
33.50% |
21.40% |
27.20% |
*Updated as of September 2024
SIP Calculator -Online
A SIP calculator is an online tool designed to help you estimate the returns on your investments over a specific period. When investing in a SIP for 30 years, the calculator allows you to insert variables such as the monthly investment amount, the expected rate of return, and the duration of the investment. The SIP return calculator then provides an approximate value of your corpus at the end of the investment period.
This helps you to plan your financial goals more effectively by giving you a clearer picture of how your small, regular contributions can grow significantly over the long term due to the power of compounding.
Wrapping Up!
Investing in SIPs for 30 years offers a solid way to build long-term wealth. The power of compounding, combined with consistent investments, can help you achieve your financial goals. Choose funds that align with your risk profile and objectives, and stay invested through market ups and downs for the best results.
