Best SIP Plans to Invest in India 2025

SIP or Systematic Investment Plan are the most suitable plans for investors who want to accumulate huge corpus through ways of controlled investment in market linked funds. You can get the most popular SIP plans in the country as offered by fund houses who offer them through various insurance companies, mutual funds, ULIPs etc.

Best SIP plans in 2025, India

The best SIP plans for long term offered by fund managements allow high returns even during volatile market scenarios if the investor maintains discipline.

Below are some top mutual funds for SIPs to invest in 2025: 

Fund Name	Returns in 3 years	Returns in 5 years	Returns in 10 years
Large cap fund (Mirae Asset)	24.16%	11.32%	15.95%
bluechip fund (SBI)	26.86%	11.18%	14.62%
Large cap fund (Nippon India)	30.51%	12.15%	15.06%
Bluechip Fund (Axis)	18.58%	12.02%	14.34%
Bluechip Fund (ICICI Prudential)	26.90%	11.98%	14.36%

5 Best Mutual Fund for SIP in India 2025

If you are looking for best Mutual Fund for SIP, below are some such plans for you:

1. ICICI Prudential Gilt Fund Direct-Growth Plan:

This scheme was announced in January 2013 and it is a medium risk-taking fund. The minimum investment limit under this fund is INR 1,000. This fund aims to offer capital appreciation while it lends money to borrowers. The fund doubles the investment every 9 years.

2. Edelweiss Equity Savings Fund Direct-Growth Plan:

This plan was launched in September 2014. It has an Average Asset under Management or AUM of INR 259 crores. The fund aims at long-term capital growth by investing in equity and debt-related securities. It has over the years doubled the investment of investors in 9 years. However, it doesn’t guarantee any returns. The fund mainly invests in financial, technical, and other sectors.

3. SBI Magnum Medium Duration Fund:

It is a fund that lends money to borrowers of moderate credit risk profile. The primary objective of the scheme is to allow long-term capital obligation. The fund has so far allowed 9.10% as average returns. It was launched in January 2013 and has AUM of INR 7146 crores.

4. Quant Absolute Fund-Direct Growth Plan:

This fund was launched in January 2013 and it serves as an aggressive hybrid fund scheme to its investors to allow them to gain long-term capital growth. The fund comes with an AUM of INR 994 crores and mostly invests in equity and debt instruments. However, the quality of the borrower is risky under this fund and hence need to take caution while investing.

5. Kotak Debt Hybrid Fund Direct-Growth Plan:

This is a conservative hybrid fund launched in January 2013. It holds INR 1651 crores of AUM and invests in equity assets and debt securities. It suits best to investors with medium to low-risk appetite and doubles money every 7 years. The borrowers under this fund are of moderate risk quality.

Below are some best SIP plans to invest

1. Tata AIA Life – InvestAssure Superstar- Super Select Equity Fund:

This fund invests in instruments related to equity. Being a flexicap ULIP fund, it focuses on generating quality returns for investors

2. Bajaj Allianz Pure Stock Fund:

It is an open-ended Flexi Cap Fund with a diverse portfolio of equity. It invests in all caps – small, mid and large. It is regarded as one of the best plans to invest

3. Future Generali India Life – Future Apex Fund:

It is an open-ended fund that mostly does investment in large-cap stocks of insurance in India. This fund has good number of women directors and executives who manages the fund

4. Aditya Birla Sun Life – Individual Pure Equity Fund:

This is another best SIP plan in India to invest on. The fund grows the invested money of investors in a rapid manner

ULIP vs. Mutual Fund

When it comes to choosing between ULIP and Mutual Fund, investors generally get confused. This is because both of them are SIP investments and have varied advantages. Here are some points that might help you to choose the right SIP plan so that your financial goals could be met.

• The best SIP return plan helps the investor to accomplish his/her financial goal and to accumulate a monetary corpus to let them achieve their financial objectives in life
• By contributing towards the best SIP investment, they can regularly manage their investments in a hassle-free manner
• Though the SIP returns are market dependent, however considering the top – performing SIP plans can help in choosing the plan to get more benefit

Why Invest in SIP in 2025?

Here are some reasons to invest in best SIP plans for 5 years:

• You can start investment with small amounts
• You can invest in more shares at less prices
• You get the option to function multiple SIPs at the same time
• You also get the flexibility to start and stop a SIP fund as per your wish

How to gain maximum returns with minimum investments?

Here are some tips to gain maximum while investing minimum:

• Consider you exact needs for future
• Enlist the amounts required to fulfil your particular needs
• Gain knowledge about the SIP plan that you want to invest in
• Complete the required documentation and KYC details for best results
• Select the SIP plan as per your set goals. Use SIP calculator to calculate returns
• Invest is small amounts in multiple shares

Some critical points to note while investing in SIP mutual funds

• Start your SIP investment early on in life so that you can earn better benefits. If the tenure of SIP is more, the returns are more
•  Consider your financial needs and accordingly invest in lump sum or SIP to ease the burden in your pocket
• As per your future needs, you may consider investing in different SIPs with different profiles to gain different returns
• Also, invest in SIPs as your risk appetite, which again depends on your age, income, your financial goals, etc.
• Don’t leave your SIP portfolio unattended. Keep evaluating your portfolio on a regular basis