Best SIP to invest allows you to invest a fixed amount of money in your chosen mutual fund scheme in a disciplined manner. It helps investors stay consistent and build exponential wealth, ultimately achieving financial freedom. Choosing the best SIP to invest ensures better returns and long-term succes
💡 Why Should You Start a SIP?
- Brings Financial Discipline – A SIP makes saving and investing a regular habit, ensuring you stay on track toward your goals.
- Removes Market Timing Stress – You invest consistently without worrying about market ups and downs.
- Effortless Investment Process – Your money is automatically invested in your chosen mutual fund scheme, no manual action needed.
- Start Small, Dream Big – You can begin with as little as ₹100 and still aim for big returns by choosing the best invetment plan.
📊 Factors to Consider When Choosing the Best SIP to Invest :
- Risk Appetite – Know how much risk you can handle.
- Past Performance – Check the fund’s last 10-year track record.
- Fund Manager Expertise – Review their experience and consistency.
- Expense Ratio – Choose funds with reasonable costs for better returns.
🏆 Top SIP Mutual Funds to Invest in India :
1.📈 HDFC BSE Sensex Index Fund – Direct Growth plan
This fund, which mirrors the Sensex index, tends to be less volatile, providing investors with a relatively stable investment option, making it one of the best SIP to invest for steady growth.
| Attribute | Details |
|---|---|
| NAV (13-Aug-2025) | ₹ 764.77 |
| AUM | ₹ 8,485 Cr |
| Expense Ratio | 0.20% |
| Top Holdings | HDFC Bank, ICICI Bank, Reliance, Infosys, Bharti Airtel |
| Rolling Returns | 1Y: ~14.6%, 3Y: ~13.7%, 5Y: ~14.6% |
2.🌟 Parag Parikh Flexi Cap Fund – Direct Growth Plan
This fund has the flexibility to invest across market capitalizations and sectors, making it one of the best SIP to invest in its category.
| Attribute | Details |
|---|---|
| NAV (28-Jul-2025) | ₹ 91.58 |
| AUM | ₹ 1.10 Lakh Cr |
| Expense Ratio | 0.63% |
| Fund Managers | Raunak Onkar, Rajeev Thakkar, Raj Mehta |
| Rolling Returns | 1Y: ~29.2%, 3Y: ~23.1%, 5Y: ~20.5% |
3.💼HDFC ELSS Tax Saver Fund
ELSS funds have a lock-in period of three years, encouraging investors to stay invested for the long term. Your investment in ELSS is eligible for tax exemption up to ₹1,50,000 under Section 80C of the Income Tax Act, 1961, and the returns on your investment are also tax-efficient, making it one of the best SIP to invest for both growth and tax benefits.
| Attribute | Details |
|---|---|
| NAV (14-Aug-2025) | ₹ 1,510.57 |
| AUM | ₹ 16,579 Cr |
| Expense Ratio | 1.09% |
| Fund Manager | Roshi Jain |
| Rolling Returns | 1Y: ~6.4%, 3Y: ~22.1%, 5Y: ~25.6% |
4.📊 Axis MidCap Fund – Direct Growth Plan
This fund provides excellent opportunities for long-term wealth creation for high-risk takers. Axis MidCap Direct Plan – Growth has the ability to deliver consistent returns in line with most funds of its category. Diversified across sectors like services, healthcare, financials, and chemicals, it is considered one of the best SIP to invest for ambitious investors.
| Attribute | Details |
|---|---|
| NAV (08-Aug-2025) | ₹ 129.15 |
| AUM | ₹ 32,069 Cr |
| Expense Ratio | 0.54% |
| Fund Managers | Shreyash Devalkar, Nitin Arora, Krishnaa N |
| Rolling Returns | 1Y: ~20%, 3Y: ~17.9%, 5Y: ~20.4% |
5.🚀 Axis Small Cap Fund-Direct Growth Plan
Axis Small Cap Fund – Best SIP to Invest
This fund comes in the small-cap category, making it highly risky, but with higher risk comes higher return potential. Axis Small Cap Fund has been the second-best performing small-cap fund in the last 5 years, making it a top choice for investors looking for growth through best SIP to invest.
| Attribute | Details |
|---|---|
| NAV (30-Jul-2025) | ₹ 123.62 |
| AUM | ₹ 26,379 Cr |
| Expense Ratio | 0.56% |
| Fund Managers | Tejas Sheth, Mayank Hyanki, Krishnaa N |
| Rolling Returns | 1Y: ~20.5%, 3Y: ~21.2%, 5Y: ~25.1% |
💰 SIP Calculator :
Example: HDFC Sensex Index Fund – Best SIP to Invest
We invest ₹5,000 monthly in HDFC Sensex Index Fund with an expected 12% annual return. Here’s how your SIP could grow over time:
calculate here: https://groww.in/calculators/step-up-sip-calculator
| Investment Duration | Corpus (₹) |
|---|---|
| 5 Years | 4,12,000 |
| 10 Years | 11,62,000 |
| 15 Years | 25,23,000 |
| 20 Years | 59,96,000 |
| 25 Years | 94,88,000 |
💡Tips for Successful SIP Investing – Best SIP to Invest :
- Start Early and Stay Consistent: The sooner you start, the more time your money has to grow.
- Don’t Stop During Market Downtrends: Stay invested even when markets are volatile to benefit from long-term growth.
- Review Your SIPs Annually: Assess performance and make adjustments if needed.
- Increase SIP Amount Annually: Gradually raise your SIP by around 10% each year to boost your corpus.
❓ FAQs – Your SIP Investment Questions Answered
1. Which SIP is best for beginners in India?
Beginner investors can start with an index fund SIP due to its low risk and decent long-term returns.
2. Can I change my SIP amount later?
Yes! You can increase your SIP amount. You should SIP amount 10% annually to grow your investment corpus.
3. Are SIP returns guaranteed?
No. SIP returns are not guaranteed, as they are subject to market risks and can fluctuate over time.
4. Is SIP a good option to invest?
Yes. SIPs are a great long-term investment option, benefiting from the power of compounding and rupee cost averaging, making them one of the best SIPs to invest.
⚠️ Disclaimer: We are not SEBI-registered experts. Please do your own research and consult a certified financial advisor before making any investment decisions.