Top Performing Mutual Funds SIP in India

What are SIP Plans?

A Systematic Investment Plan (SIP) is a method of investing in mutual funds and market-linked funds where you invest a fixed amount of money at regular intervals, such as monthly or quarterly. This disciplined approach allows you to invest consistently regardless of market fluctuations. SIPs are particularly beneficial for long-term investors as they help average out the cost of investment over time, reducing the impact of market volatility. 

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

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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 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

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Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

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Monthly Investment ₹22.4 L

View Plans

Top Funds with High Returns (Past 7 Years)

19.3%

High Growth Fund

15.61%

Accelerator Mid-Cap Fund II

15.48%

Opportunities Fund

Top Performing Mutual Funds SIP in India 2025 for NRIs 

Below are the top performing mutual funds best sip plans in India for NRI: 

Returns Updated as of Dec 2024

Top Performing Mutual Funds SIPs in India for NRIs 

Below are the details of top mutual funds in India for SIP:

1. Mirae Asset Large Cap Fund Direct Plan-Growth

   Mirae Asset Large Cap Fund focuses on Financials, Technology, Energy, and Automobiles, with key holdings like HDFC Bank and Infosys. It offers consistent returns, making it a solid choice for long-term large-cap investments.

   • NAV: ₹120.298 (as on 2025-01-02)

   • AUM: ₹39,554.76 Crs

   • 1Y Returns: 14.2%

   • Returns since inception: 16.63%

   • Expense ratio: 0.55%

   • Exit load: 1.0%

   • Lock-in: NA

   • Age: 11+ years

   • Benchmark: NIFTY 100 TRI

   • Min. Investment: SIP ₹1000 & Lumpsum ₹5000

   • Category: Equity

   • Risk: Very High Risk

   • Short-term capital gains (STCG): Returns taxed at 20% if you redeem before 1 year.

   • Long-term capital gains (LTCG): After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year.

2. Franklin India Bluechip Fund Direct-Growth

   Franklin India Bluechip Fund Direct-Growth is a large-cap fund that aims to generate long-term capital appreciation by investing primarily in a portfolio of large-cap stocks.

   • NAV: ₹1,087.9021 (as on 2025-01-02)

   • AUM: ₹7,847.47 Crs

   • 1Y Returns: 17.7%

   • Returns since inception: 13.48%

   • Expense ratio: 1.1%

   • Exit load: 1.0%

   • Lock-in: NA

   • Age: 11+ years

   • Benchmark: NIFTY 100 TRI

   • Min. Investment: SIP ₹500 & Lumpsum ₹5000

   • Category: Equity

   • Risk: Very High

   • Short-term capital gains (STCG): Returns taxed at 20% if you redeem before 1 year.

   • Long-term capital gains (LTCG): After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year.

3. Canara Robeco Bluechip Equity Fund Direct Plan-Growth

   Canara Robeco Bluechip Equity Fund Direct Plan-Growth focuses on investing in large-cap companies with strong fundamentals and long-term growth potential.

   • NAV: ₹69.62 (as on 2025-01-02)

   • AUM: ₹14,823.66 Crs

   • 1Y Returns: 19.67%

   • Returns since inception: 15.68%

   • Expense ratio: 0.48%

   • Exit load: 1.0%

   • Lock-in: NA

   • Age: 11+ years

   • Benchmark: BSE 100 TRI

   • Min. Investment: SIP ₹1000 & Lump. ₹5000

   • Category: Equity

   • Risk: Very High Risk

   • Short-term capital gains (STCG): Returns taxed at 20% if you redeem before 1 year.

   • Long-term capital gains (LTCG): After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year.

   

4. Kotak Bluechip Direct Growth

   Kotak Bluechip Direct-Growth seeks to generate long-term capital appreciation by investing primarily in a diversified portfolio of large-cap stocks.

   • NAV: ₹628.697 (as on 2025-01-02)

   • AUM: ₹9,497.92 Crs

   • 1Y Returns: 18.09%

   • Returns since inception: 15.48%

   • Expense ratio: 0.6%

   • Exit load: 1.0%

   • Lock-in: NA

   • Age: 11+ years

   • Benchmark: NIFTY 100 TRI

   • Min. Investment: SIP ₹1000 & Lump. ₹5000

   • Category: Equity

   • Risk: Very High Risk

   • Short-term capital gains (STCG): Returns taxed at 20% if you redeem before 1 year.

   • Long-term capital gains (LTCG): After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year.

5. Aditya Birla Sun Life Frontline Equity Fund Direct Plan-Growth

   Aditya Birla Sun Life Frontline Equity Fund Direct Plan-Growth invests primarily in a diversified portfolio of large-cap stocks with strong fundamentals and growth potential.

   • NAV: ₹553.4 (as on 2025-01-02)

   • AUM: ₹29,323.25 Crs

   • 1Y Returns: 16.72%

   • Returns since inception: 15.24%

   • Expense ratio: 1.01%

   • Exit load: 1.0%

   • Lock-in: NA

   • Age: 11+ years

   • Benchmark: NIFTY 100 TRI

   • Min. Investment: SIP ₹500 & Lump. ₹1000

   • Category: Equity

   • Risk: Very High Risk

   • Short-term capital gains (STCG): Returns taxed at 20% if you redeem before 1 year.

   • Long-term capital gains (LTCG): After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year.

6. Edelweiss Large Cap Fund Growth

   Edelweiss Large Cap Fund Growth invests primarily in a diversified portfolio of large-cap stocks with a focus on long-term value creation.

   • NAV: ₹81.62 (as on 2025-01-02)

   • AUM: ₹1,100.22 Crs

   • 1Y Returns: 15.25%

   • Returns since inception: 14.38%

   • Expense ratio: 0.67%

   • Exit load: 1.0%

   • Lock-in: NA

   • Age: 11+ years old

   • Benchmark: NIFTY 100 TRI

   • Min. Investment: SIP ₹500 & Lump. ₹5000

   • Category: Equity

   • Risk: Very High Risk

   • Short-term capital gains (STCG): Returns taxed at 20% if you redeem before 1 year.

   • Long-term capital gains (LTCG): After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year.

7. PGIM India Large Cap Fund Direct Plan-Growth

   PGIM India Large Cap Fund Direct Plan-Growth aims to generate long-term capital appreciation by investing primarily in a diversified portfolio of large-cap stocks.

   • NAV: ₹385.47 (as on 2025-01-02)

   • AUM: ₹593.54 Crs

   • 1Y Returns: 12.01%

   • Returns since inception: 14.18%

   • Expense ratio: 0.87%

   • Exit load: 0.5%

   • Lock-in: NA

   • Age: 11+ years

   • Benchmark: NIFTY 100 TRI

   • Min. Investment: SIP ₹1000 & Lump. ₹5000

   • Category: Equity

   • Risk: Very High

   • Short-term capital gains (STCG): Returns taxed at 20% if you redeem before 1 year.

   • Long-term capital gains (LTCG): After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year.

8. UTI Large Cap Fund Growth Option - Direct

   UTI Large cap Fund Growth Option - Direct invests primarily in a diversified portfolio of large-cap stocks with a focus on long-term capital appreciation.

   • NAV: ₹ 286.5453 (as on 2025-01-02)

   • AUM: ₹12,859.77 Crs

   • 1Y Returns: 12.77%

   • Returns since inception: 14.18%

   • Expense ratio: 0.93%

   • Exit load: 1.0%

   • Lock-in: NA

   • Age: 11+ years

   • Benchmark: BSE 100 TRI

   • Min. Investment: SIP ₹500 & Lump. ₹1000

   • Category: Equity

   • Risk: Very High

   • Short-term capital gains (STCG): Returns taxed at 20% if you redeem before 1 year.

   • Long-term capital gains (LTCG): After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year.

9. ICICI Prudential Bluechip Fund Growth

   ICICI Prudential Bluechip Fund Growth invests primarily in a diversified portfolio of large-cap stocks with a focus on long-term capital appreciation.

   • NAV: ₹104.31 (as on 2025-01-02)

   • AUM: ₹63,938.03 Crs

   • 1Y Returns: 17.35%

   • Returns since inception: 15.15%

   • Expense ratio: 0.87%

   • Exit load: 1.0%

   • Lock-in: NA

   • Age: 11+ years

   • Benchmark: NIFTY 100 TRI

   • Min. Investment: SIP ₹500 & Lump. ₹1000

   • Category: Equity

   • Risk: Very High Risk

   • Short-term capital gains (STCG): Returns taxed at 20% if you redeem before 1 year.

   • Long-term capital gains (LTCG): After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year.

10. Invesco India Largecap Fund Direct Plan-Growth

    Invesco India Largecap Fund Direct Plan-Growth invests primarily in a diversified portfolio of large-cap stocks with a focus on long-term capital appreciation.

    • NAV: ₹80.43 (as on 2025-01-02)

    • AUM: ₹1316.64 Crs

    • 1Y Returns: 22.19%

    • Returns since inception: 16.3%

    • Expense ratio: 0.72%

    • Exit load: 0%

    • Lock-in: NA

    • Age: 11+ years

    • Benchmark: NIFTY 100 TRI

    • Min. Investment: SIP ₹500 & Lump. ₹1000

    • Category: Equity

    • Risk: Very High

    • Short-term capital gains (STCG): Returns taxed at 20% if you redeem before 1 year

    • Long-term capital gains (LTCG): After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year.

Why Should NRIs Invest in SIPs in India? 

Below are the reasons why NRI mutual fund investments are a good option:

• Rupee Cost Averaging: SIPs help you buy more units of a mutual fund when the market is down and fewer units when it's high. This averages out your investment cost over time, reducing your overall risk.

• Power of Compounding: By reinvesting your returns, SIPs allow you to benefit from the power of compounding, where your earnings earn more money over time.

• Disciplined Investing: SIPs instil a habit of disciplined saving and investing, helping you achieve your financial goals consistently.

• Affordability: SIPs allow you to start investing with small amounts, making them accessible to everyone.

• Flexibility: You can choose the amount and frequency of your SIP investments based on your financial capacity and goals.

• Tax Benefits: Investments in certain mutual funds through SIPs may qualify for tax deductions under Section 80C of the Income Tax Act.

• Professional Management: When you invest in mutual funds through SIPs, you entrust your money to professional fund managers who make investment decisions on your behalf.

• Diversification: SIPs allow you to diversify your investments across different asset classes and sectors, reducing your overall risk.

• Long-term Wealth Creation: SIPs are a proven strategy for creating wealth over the long term, making them suitable for achieving goals like retirement planning, children's education, or buying a home.

• Convenience: SIPs can be easily set up and managed online or through mobile apps, making investing hassle-free.

Conclusion 

Selecting top-performing mutual funds for NRI SIP investments requires careful research and consideration of factors such as fund performance track record, investment objectives, risk profile, and expense ratios. While past performance is not indicative of future results, analyzing historical data can provide valuable insights. It's important to remember that investment markets are volatile, and there are no guarantees of returns.