Best Mutual Funds Investing in a Systematic Investment Plan (SIP) is one of the best ways to grow wealth over time. But selecting the right mutual fund is crucial for maximizing returns.
In this guide, we will explore the best mutual funds for SIP, categorized based on risk level, return potential, and financial goals.
Large-cap funds invest in top 100 companies with a strong track record, offering stable returns with low risk.
| Fund Name | 5-Year Return (%) | Expense Ratio (%) |
|---|---|---|
| Mirae Asset Large Cap Fund | 14.2% | 0.54% |
| ICICI Prudential Bluechip Fund | 13.8% | 0.89% |
| Axis Bluechip Fund | 12.6% | 0.70% |
| SBI Bluechip Fund | 13.1% | 0.97% |
Best for: Low-risk investors who want consistent long-term growth.
Mid-cap funds invest in emerging companies that have high growth potential but moderate risk.
| Fund Name | 5-Year Return (%) | Expense Ratio (%) |
|---|---|---|
| PGIM India Midcap Fund | 20.8% | 0.55% |
| Kotak Emerging Equity Fund | 19.4% | 0.63% |
| Axis Midcap Fund | 18.9% | 0.71% |
| DSP Midcap Fund | 19.2% | 0.82% |
Best for: Investors seeking higher returns with moderate risk.
Small-cap funds invest in fast-growing small companies, offering the highest returns but also higher risk.
| Fund Name | 5-Year Return (%) | Expense Ratio (%) |
|---|---|---|
| Quant Small Cap Fund | 28.4% | 0.68% |
| Nippon India Small Cap Fund | 25.7% | 0.86% |
| SBI Small Cap Fund | 24.9% | 0.89% |
| Axis Small Cap Fund | 22.6% | 0.91% |
Best for: Aggressive investors looking for maximum wealth creation.
ELSS funds provide tax benefits under Section 80C and have a 3-year lock-in period.
| Fund Name | 5-Year Return (%) | Expense Ratio (%) |
|---|---|---|
| Mirae Asset Tax Saver Fund | 14.5% | 0.65% |
| Canara Robeco Equity Tax Saver | 15.3% | 0.72% |
| Axis Long-Term Equity Fund | 12.8% | 0.73% |
| Parag Parikh Tax Saver Fund | 16.2% | 0.76% |
Best for: Investors who want tax savings + long-term growth.
Tip: Use this SIP Calculator to estimate your returns!
Hybrid funds invest in both equities & debt, making them less risky than pure equity funds.
| Fund Name | 5-Year Return (%) | Expense Ratio (%) |
|---|---|---|
| HDFC Hybrid Equity Fund | 12.5% | 0.87% |
| ICICI Prudential Equity & Debt Fund | 13.2% | 0.95% |
| SBI Equity Hybrid Fund | 11.8% | 1.02% |
| Mirae Asset Hybrid Equity Fund | 13.5% | 0.76% |
Best for: Conservative investors who want steady returns with lower risk.
Even if you start with ₹500/month, you can build a large corpus over time!
| Fund Name | Category | 5-Year Return (%) |
|---|---|---|
| Axis Bluechip Fund | Large Cap | 12.6% |
| Kotak Emerging Equity Fund | Mid Cap | 19.4% |
| Quant Small Cap Fund | Small Cap | 28.4% |
| Mirae Asset Tax Saver Fund | ELSS | 14.5% |
Tip: Start with ₹500/month and increase SIP every year for better results! 🚀
🔹 Investment Goal: Wealth creation, tax saving, or stable income?
🔹 Risk Appetite: High (Small/Mid-Cap), Medium (Hybrid), Low (Large-Cap).
🔹 Time Horizon: Long-term (Equity), Short-term (Hybrid/Debt).
🔹 Fund Performance: Check past returns & expense ratio.
🔹 Fund Manager Expertise: Look for experienced fund managers.
Pro Tip: Use this SIP Calculator to estimate your potential wealth!
Mirae Asset Large Cap Fund, Kotak Emerging Equity Fund, and Quant Small Cap Fund are among the best-performing SIP funds.
Small-cap and mid-cap funds like Quant Small Cap Fund & PGIM Midcap Fund have given 25%+ annual returns.
Large-cap funds (Mirae Asset Large Cap Fund, Axis Bluechip Fund) are best for beginners due to low risk & stable returns.
Yes! Many mutual funds allow SIP investments starting at ₹500/month.
Follow the 50/30/20 rule:
Yes! SIPs in equity mutual funds can give 12%-15% returns, while FDs provide only 6%-7% returns.
Mirae Asset Tax Saver (ELSS – Tax Saving)
Kotak Emerging Equity Fund (Mid Cap)
Quant Small Cap Fund (Small Cap)
Top Picks:
✔ Large-Cap: Mirae Asset Large Cap Fund
✔ Mid-Cap: Kotak Emerging Equity Fund
✔ Small-Cap: Quant Small Cap Fund
✔ ELSS (Tax-Saving): Mirae Asset Tax Saver Fund
✔ Hybrid (Balanced): ICICI Prudential Equity & Debt Fund
Start early, invest consistently, and grow your wealth!
Use this SIP Calculator to plan your investments now!
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