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Best Mutual Funds in India for SIP 2025 – 2026

Updated on April 9, 2025 , 24373 views

A Systematic Investment plan (SIP) is considered to be the most efficient way to invest in Mutual Funds, especially for the long-term plan. It permits investors to purchase a unit on a particular date every month in order to implement a long-term savings plan. One of the reasons why investors feel comfortable towards Investing in SIP is the flexibility they offer. Investors can invest in SIP on either monthly, quarterly or weekly Basis, as per their convenience. Let’s learn more about how one can achieve their Financial goals with systematic investment plans, how sip calculator is helpful in investment, along with best mutual funds in India for SIP.

SIP- Optimal Way to Achieve Financial Goals

SIP is designed in a way that one can easily pre-plan their investments and invest according to their financial goals. But, one has to invest for a long-time to achieve goals via SIP. Generally, SIP is widely used for planning goals like-

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Buying a car
Buying a house
Marriage
Child’s education
Save for an international trip
retirement
Medical emergencies etc.

One can start investing in SIPs with an amount as minimum as INR 500 and INR 1000. Once you begin investing in SIP your money start going each day as it is exposed to the stock Market. That is why SIPs as a route is mostly preferred in Equity Funds. Moreover, historically, investment in equity stocks has given impressive returns amongst all the other asset classes, if the investment was done with discipline and with a long-term horizon.

SIP in equity helps to avoid the risk of timing the market and facilitate wealth creation by averaging the cost of investment. Let’s look at some more Benefits of SIP that helps in achieving long-term goals:

Power of Compounding- Simple interest is when you gain interest on only the principal. In the case of compound interest, the interest amount is added to the principal, and interest is calculated on the new principal (old principal plus gains). This process continues every time. Since SIP in Mutual Funds are in instalments, they are compounded, which adds more to the initially invested sum.
Risk reduction- Given that a SIP is spread over a long period of time, one catches all periods of the stock market, the ups and more importantly the downturns. In downturns, when fear catches most investors, SIP instalments continue ensuring the investors buy “low”.
Convenience of SIPs- Convenience is one of the biggest benefits of a SIP. A user has to sign-up one-time and go through documentation. Once done, thereafter debits for subsequent investments take place automatically and the investor just has to monitor the investments.

Best Mutual Funds in India for SIP 2025 - 2026

Best Large Cap Funds for SIP

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2023 (%)
Nippon India Large Cap Fund Growth	₹80.9268 ↑ 1.28	₹34,212	100	-4.1	-9.5	0.7	16	26	18.2
DSP BlackRock TOP 100 Equity Growth	₹438.514 ↑ 6.63	₹4,519	500	-0.9	-6.4	9.1	15.6	21.5	20.5
ICICI Prudential Bluechip Fund Growth	₹100.09 ↑ 1.52	₹60,177	100	-2	-8.1	2.7	14.5	24.2	16.9
HDFC Top 100 Fund Growth	₹1,047.18 ↑ 20.09	₹33,913	300	-2.7	-9.7	-0.2	13.6	23.6	11.6
BNP Paribas Large Cap Fund Growth	₹200.693 ↑ 3.16	₹2,263	300	-5.2	-12.7	-0.7	12.7	20.4	20.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 11 Apr 25

Best Multi Cap Funds for SIP

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2023 (%)
JM Multicap Fund Growth	₹89.401 ↑ 1.88	₹4,899	500	-10.2	-16.2	0.7	19.8	26.8	33.3
HDFC Equity Fund Growth	₹1,811.46 ↑ 30.18	₹64,124	300	-0.7	-5.2	10.1	19.6	30.4	23.5
Nippon India Multi Cap Fund Growth	₹261.214 ↑ 5.00	₹35,353	100	-6.3	-13.9	2.3	18.8	31	25.8
Motilal Oswal Multicap 35 Fund Growth	₹54.2453 ↑ 0.92	₹11,172	500	-10.9	-14.5	8.7	17.7	21.3	45.7
BNP Paribas Multi Cap Fund Growth	₹73.5154 ↓ -0.01	₹588	300	-4.6	-2.6	19.3	17.3	13.6
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 11 Apr 25

Best Mid Cap Funds for SIP

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2023 (%)
Edelweiss Mid Cap Fund Growth	₹87.115 ↑ 1.65	₹7,729	500	-9.4	-14.5	8.6	19.1	32.3	38.9
Invesco India Mid Cap Fund Growth	₹148.09 ↑ 2.69	₹5,247	500	-10.3	-13.1	11	18.9	29	43.1
L&T Midcap Fund Growth	₹325.888 ↑ 8.15	₹9,541	500	-13.4	-20.6	-0.8	16	25.7	39.7
TATA Mid Cap Growth Fund Growth	₹377.804 ↑ 4.97	₹3,955	150	-8	-14.7	-0.9	15.1	26.9	22.7
ICICI Prudential MidCap Fund Growth	₹246.49 ↑ 6.41	₹5,394	100	-9.1	-17.2	-1	14.6	29.3	27
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 11 Apr 25

Best Small Cap Funds for SIP

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2023 (%)
Nippon India Small Cap Fund Growth	₹148.156 ↑ 3.53	₹50,826	100	-11.1	-18.1	0.2	18.3	38.1	26.1
Franklin India Smaller Companies Fund Growth	₹150.917 ↑ 3.94	₹11,257	500	-11.4	-17.5	-2.8	17.7	33.4	23.2
HDFC Small Cap Fund Growth	₹118.013 ↑ 2.48	₹28,120	300	-11.8	-16.5	-4.8	16	34.1	20.4
IDBI Small Cap Fund Growth	₹27.5443 ↑ 0.77	₹434	500	-15.1	-18.6	4.8	14.8	32.2	40
Sundaram Small Cap Fund Growth	₹223.995 ↑ 6.90	₹2,763	100	-10.1	-16.6	-1.7	14.3	31.7	19.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 11 Apr 25

Best ELSS (Tax Saving Mutual Funds) for SIP

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2023 (%)
IDBI Equity Advantage Fund Growth	₹43.39 ↑ 0.04	₹485	500	9.7	15.1	16.9	20.8	10
SBI Magnum Tax Gain Fund Growth	₹395.409 ↑ 6.83	₹25,724	500	-5.3	-11	2.6	20.6	28.6	27.7
HDFC Long Term Advantage Fund Growth	₹595.168 ↑ 0.28	₹1,318	500	1.2	15.4	35.5	20.6	17.4
HDFC Tax Saver Fund Growth	₹1,279.34 ↑ 20.35	₹14,671	500	-1.8	-7.1	7.5	19.1	27.7	21.3
Motilal Oswal Long Term Equity Fund Growth	₹43.5755 ↑ 1.30	₹3,405	500	-16.5	-21.4	1.5	18.9	25	47.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jul 23

Best Sector Funds for SIP

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2023 (%)
UTI Healthcare Fund Growth	₹260.151 ↑ 5.90	₹1,057	500	-8.8	-10.2	15.6	17.6	22.1	42.9
SBI Healthcare Opportunities Fund Growth	₹393.542 ↓ -2.08	₹3,313	500	-10	-7.2	12.6	20.6	24	42.2
SBI Banking & Financial Services Fund Growth	₹37.8275 ↑ 0.61	₹6,475	500	3.8	-0.2	10.5	15.3	22.6	19.6
TATA India Pharma & Healthcare Fund Growth	₹28.0529 ↑ 0.59	₹1,104	150	-8.3	-10.5	10.3	17.2	21.5	40.4
TATA Banking and Financial Services Fund Growth	₹39.1679 ↑ 0.61	₹2,285	150	5.8	-1.1	10.2	15.8	21.1	9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 11 Apr 25

Best Focused Funds for SIP

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2023 (%)
HDFC Focused 30 Fund Growth	₹209.978 ↑ 3.49	₹15,516	300	-0.3	-4.9	10.8	20.2	30.3	24
ICICI Prudential Focused Equity Fund Growth	₹81.6 ↑ 1.23	₹9,533	100	-0.9	-8.8	7.6	18.1	27	26.5
Sundaram Select Focus Fund Growth	₹264.968 ↓ -1.18	₹1,354	100	-5	8.5	24.5	17	17.3
DSP BlackRock Focus Fund Growth	₹49.788 ↑ 0.92	₹2,259	500	-3.1	-10.3	9.5	14.3	21.6	18.5
Franklin India Focused Equity Fund Growth	₹96.5177 ↑ 1.54	₹10,907	500	-4.9	-12.2	-0.4	13.2	25.3	19.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 11 Apr 25

Best Value Funds for SIP

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2023 (%)
JM Value Fund Growth	₹87.1873 ↑ 1.81	₹937	500	-10	-18	-2.3	19	27.9	25.1
L&T India Value Fund Growth	₹96.3499 ↑ 2.03	₹11,580	500	-6.1	-12.8	1.4	17.7	29.5	25.9
Nippon India Value Fund Growth	₹202.626 ↑ 4.07	₹7,615	100	-6	-12.4	2.5	17.1	29.2	22.3
ICICI Prudential Value Discovery Fund Growth	₹419.31 ↓ -1.80	₹46,114	100	-4.4	-9.2	4.6	16.8	29.1	20
Tata Equity PE Fund Growth	₹317.273 ↑ 5.64	₹7,468	150	-4.9	-13.7	0.9	16.5	24.7	21.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 11 Apr 25

SIP Calculator

SIP calculator is one of the efficient tools an investor can use while investing in mutual funds. Whether one wants to invest to buy a car/house, plan for retirement, a child's higher education or any other asset, the SIP calculator can be used for the same. It helps to calculate the amount of investment and time period that is required for investing to reach the particular financial goal. So, common questions like "how much to invest in a SIP or how till that time should I invest", resolves using this calculator.

When using a SIP calculator, one has to fill certain variables, that include (illustration is given below)-

The desired investment duration
The estimated monthly SIP amount
Expected Inflation rate (annual) for the years to come
Long-term growth rate on investments

Once you feed all the above-mentioned information, the calculator will end up giving you the amount you will receive (your SIP returns) after the number of years mentioned. Your net profit will be highlighted as well so that you can estimate your goal fulfilment accordingly.

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Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.