Best SIP Plans for 10,000 Per Month

Best SIP Plans for ₹10,000 per month feature carefully chosen mutual fund schemes known for delivering consistent long-term returns. These funds are ideal for individuals who are willing to invest ₹10,000 per month. These mutual funds are known for delivering consistent long-term returns. By following disciplined investment strategies and maintaining focus through market volatility, these funds help investors build substantial wealth over time and make the most of systematic investing.

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List of Best SIP for 10000 Per Month

Below is the list of the best SIP plans you can invest 10000 per month in:

Fund Name	AUM	Return 3 Years	Return 5 Years	Minimum Investment	Return Since Launch
ICICI Prudential Infrastructure Fund-Growth	₹8,351.34 Crs	22.05%	24.02%	₹5,000	15.59%
HDFC Mid Cap Fund Regular-Growth	₹97,350.48 Crs	20%	19.88%	₹100	17.16%
Motilal Oswal Large and Midcap Fund Regular-Growth	₹17,420.43 Crs	23.32%	19.78%	₹500	21.1%
SBI ELSS Tax Saver Fund Regular-Growth	₹30,955.01 Crs	17.87%	16.56%	₹500	16.39%
Nippon India Small Cap Fund-Growth	₹74,604.07 Crs	18.35%	20.38%	₹5,000	20.03%
Quant Small Cap Fund-Growth	₹31,773.74 Crs	19.62%	19.85%	₹5,000	12.73%
SBI PSU Fund-Growth	₹6,593.63 Crs	28.28%	23.27%	₹5,000	8.19%
Franklin India Opportunities Fund Regular-Growth	₹8,723.81 Crs	22.36%	18.56%	₹5,000	13.06%
HDFC Focused Fund Regular-Growth	₹26,082.42 Crs	16.52%	18.55%	₹100	15.43%
ICICI Prudential India Opportunities Fund-Growth	₹36,478.25 Crs	18.39%	19.06%	₹5,000	18.91%

Details of SIP 10000 Per Month

Below are the details of SIPs for 10000 per month

ICICI Prudential Infrastructure Fund- Growth

Investment objective: The scheme seeks to generate capital appreciation and income distribution to unit holders by investing predominantly in equity/equity related securities of the companies belonging to the infrastructure theme.

Parameters	Details
Fund Name	ICICI Prudential Infrastructure Fund-Growth
NAV	₹ 203.72 (as on 17th June, 2026)
AUM	₹8,351.34 Crs
Expense Ratio	1.89%
Return 5 Years	24.02%
Return 10 Years	18.01%
Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
Risk Level	Principal at very high risk
Launch Date	31st August, 2005
Asset Allocation	Equity: 93.57%, Debt: 1.33%, Others: 4.5%
Top Sectors	Consumer Discretionary Industrials Energy & Utilities Financial Materials Real Estate Technology
Top Holdings	Larsen & Toubro Ltd Interglobe Aviation Ltd Repo Oberoi Realty Ltd NTPC Ltd Gujarat Gas Ltd Adani Ports and Special Economic Zone Ltd Vedanta Ltd Reliance Industries Ltd NCC Ltd
Fund Managers	Ihab Dalwai Sharmila D'Silva
Fund Type	Open-ended

HDFC Mid Cap Fund Regular-Growth

Investment objective: The scheme seeks to provide long-term capital appreciation/income by investing predominantly in Mid-Cap companies.

Parameters	Details
Fund Name	HDFC Mid Cap Fund Regular-Growth
NAV	₹ 202.51 (as on 18th June, 2026)
AUM	₹97,350.48 Crs
Expense Ratio	1.32%
Return 5 Years	19.88%
Return 10 Years	17.89%
Minimum Investment	SIP ₹1000 & Lumpsum ₹100
Risk Level	Principal at very high risk
Launch Date	25th June, 2007
Asset Allocation	Equity: 92.48%, Others: 7.52%
Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Technology
Top Holdings	Repo Max Financial Services Ltd AU Small Finance Bank Ltd The Federal Bank Ltd Indian Bank Balkrishna Industries Ltd Glenmark Pharmaceuticals Ltd Ipca Laboratories Ltd Coforge Ltd Fortis Healthcare Ltd
Fund Managers	Chirag Setalvad Dhruv Muchhal
Fund Type	Open-ended

start-an-sip-today-watch-your-money-grow

Motilal Oswal Large and Midcap Fund Regular - Growth

Investment objective: The Scheme seeks to provide medium to long-term capital appreciation by investing primarily in Large and Midcap stocks.

Parameters	Details
Fund Name	Motilal Oswal Large and Midcap Fund Regular-Growth
NAV	₹ 35.87 (as on 18th June, 2026)
AUM	₹17,420.43 Crs
Expense Ratio	1.81%
Return 5 Years	19.78%
Return 10 Years	N/A
Minimum Investment	SIP ₹1000 & Lumpsum ₹500
Risk Level	Principal at very high risk
Launch Date	17th October, 2019
Asset Allocation	Equity: 98.67%, Others: 1.33%
Top Sectors	Energy & Utilities Consumer Discretionary Industrials Diversified Financial Healthcare Materials Real Estate Technology
Top Holdings	Zomato Ltd Muthoot Finance Ltd Multi Commodity Exchange Of India Ltd CG Power & Industrial Solutions Ltd Shriram Transport Finance Company Ltd Apar Industries Ltd Waaree Energies Ltd. Bharat Electronics Ltd Billionbrains Garage Ventures Ltd. Bajaj Finance Ltd
Fund Managers	Atul Mehra Sunil Sawant Rakesh Shetty Ajay Khandelwal
Fund Type	Open-ended

SBI ELSS Tax Saver Fund Regular-Growth

Investment objective: The prime objective of the scheme is to deliver the benefit of investment in a portfolio of equity shares, while offering deduction on such investment made in the scheme under section 80C of the Income-tax Act, 1961. It also seeks to distribute income periodically depending on distributable surplus. However, there is no guarantee or assurance that the investment objective of the scheme will be achieved or that it will assure any returns.

Parameters	Details
Fund Name	SBI ELSS Tax Saver Fund Regular-Growth
NAV	₹ 431.86 (as on 17th June, 2026)
AUM	₹30,955.01 Crs
Expense Ratio	1.75%
Return 5 Years	16.56%
Return 10 Years	14.55%
Minimum Investment	SIP ₹1000 & Lumpsum ₹500
Risk Level	Principal at very high risk
Launch Date	NA
Asset Allocation	Equity: 97.94%, Debt: 0.13%, Others: 1.93%
Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
Top Holdings	ICICI Bank Ltd HDFC Bank Ltd Repo Kotak Mahindra Bank Ltd Reliance Industries Ltd State Bank of India Axis Bank Ltd Tata Steel Ltd Cipla Ltd Torrent Power Ltd
Fund Managers	NA
Fund Type	Open-ended

Nippon India Small Cap Fund-Growth

Investment objective: The scheme seeks to generate long term capital appreciation by investing predominantly in equity and equity related instruments of small cap companies.

Parameters	Details
Fund Name	Nippon India Small Cap Fund-Growth
NAV	₹ 177.80 (as on 18th June, 2026)
AUM	₹74,604.07 Crs
Expense Ratio	1.36%
Return 5 Years	20.38%
Return 10 Years	20.94%
Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
Risk Level	Principal at very high risk
Launch Date	16th September, 2010
Asset Allocation	Equity: 97.09%, Debt: 0%, Others: 2.91%
Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Real Estate Technology
Top Holdings	Repo Multi Commodity Exchange Of India Ltd HDFC Bank Ltd Bharat Heavy Electricals Ltd TD Power Systems Ltd State Bank of India Karur Vysya Bank Ltd Apar Industries Ltd Kirloskar Brothers Ltd Paradeep Phosphates Ltd
Fund Managers	NA
Fund Type	Open-ended

Quant Small Cap Fund-Growth

Investment objective: The scheme seeks to generate capital appreciation by investing in a well-diversified portfolio of small cap companies

Parameters	Details
Fund Name	Quant Small Cap Fund-Growth
NAV	₹ 274.02 (as on 17th June, 2026)
AUM	₹31,773.74 Crs
Expense Ratio	1.93%
Return 5 Years	19.85%
Return 10 Years	19.61%
Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
Risk Level	Principal at very high risk
Launch Date	24th November, 1996
Asset Allocation	Equity: 97.12%, Debt: 1.32%, Others: 1.56%
Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
Top Holdings	Reliance Industries Ltd Repo Jio Financial Services Limited HFCL Ltd Others Fixed Deposits RBL Bank Ltd Adani Power Ltd Aegis Logistics Ltd Sun TV Network Ltd Adani Green Energy Ltd
Fund Managers	Sanjeev Sharma Ankit A Pande Sandeep Tandon Varun Pattani Ayusha Kumbhat Sameer Kate Yug Tibrewal
Fund Type	Open-ended

Start Small & Build Your Wealth For A Brighter Tomorrow

SBI PSU Fund-Growth

Investment objective: The objective is to provide long-term capital appreciation and liquidity by actively managing investments in equity stocks of domestic Public Sector Undertakings (PSUs) and their subsidiaries, alongside debt and money market instruments issued by PSUs and other entities.

Parameters	Details
Fund Name	SBI PSU Fund-Growth
NAV	₹ 35.14 (as on 17th June, 2026)
AUM	₹6,593.63 Crs
Expense Ratio	1.86%
Return 5 Years	23.27%
Return 10 Years	14.98%
Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
Risk Level	Principal at very high risk
Launch Date	7th July, 2010
Asset Allocation	Equity: 96.75%, Debt: 0.07%, Others: 3.18%
Top Sectors	Industrials Energy & Utilities Financial Materials
Top Holdings	State Bank of India Power Grid Corporation of India Ltd Bharat Electronics Ltd NTPC Ltd GAIL (India) Ltd Oil & Natural Gas Corporation Ltd Bharat Petroleum Corporation Ltd Bank Of Baroda Repo Bharat Heavy Electricals Ltd
Fund Managers	NA
Fund Type	Open-ended

Franklin India Opportunities Fund Regular-Growth

Investment objective: The fund aims to generate capital appreciation by investing in opportunities presented by special situations such as corporate restructuring, government policy or regulatory changes, and companies facing temporary unique challenges.

Parameters	Details
Fund Name	Franklin India Opportunities Fund Regular-Growth
NAV	₹ 253.16 (as on 17th June, 2026)
AUM	₹8,723.81 Crs
Expense Ratio	2.1%
Return 5 Years	18.56%
Return 10 Years	16.12%
Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
Risk Level	Principal at very high risk
Launch Date	21st February, 2000
Asset Allocation	Equity: 92.44%, Debt: 0.29%, Others: 7.27%
Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Real Estate Financial Healthcare Materials Technology
Top Holdings	Cash/Net Current Assets Axis Bank Ltd Hindustan Aeronautics Ltd State Bank of India HDFC Bank Ltd Reliance Industries Ltd NTPC Ltd Oil & Natural Gas Corporation Ltd Shriram Transport Finance Company Ltd Zomato Ltd
Fund Managers	R Janakiraman Sandeep Manam Kiran Sebastian
Fund Type	Open-ended

HDFC Focused Fund Regular-Growth

Investment objective: This fund seeks to generate long-term capital appreciation or income by investing in equity and equity-related instruments of up to 30 companies, focusing on a concentrated portfolio.

Parameters	Details
Fund Name	HDFC Focused Fund Regular-Growth
NAV	₹ 227.08 (as on 18th June, 2026)
AUM	₹26,082.42 Crs
Expense Ratio	1.67%
Return 5 Years	18.55%
Return 10 Years	14.11%
Minimum Investment	SIP ₹1000 & Lumpsum ₹100
Risk Level	Principal at very high risk
Launch Date	17th September, 2004
Asset Allocation	Equity: 90.64%, Debt: 0.19%, Others: 7.38%
Top Sectors	Consumer Discretionary Industrials Energy & Utilities Financial Healthcare Materials Technology
Top Holdings	Repo HDFC Bank Ltd ICICI Bank Ltd Axis Bank Ltd State Bank of India Kotak Mahindra Bank Ltd HCL Technologies Ltd Maruti Suzuki India Ltd Cipla Ltd Bharti Airtel Ltd
Fund Managers	Roshi Jain Dhruv Muchhal
Fund Type	Open-ended

ICICI Prudential India Opportunities Fund - Growth

Investment objective: The objective is to generate long-term capital appreciation by investing in opportunities presented by special situations such as corporate restructuring and other unique market conditions.

Parameters	Details
Fund Name	ICICI Prudential India Opportunities Fund-Growth
NAV	₹ 36.19 (as on 17th June, 2026)
AUM	₹36,478.25 Crs
Expense Ratio	1.72%
Return 5 Years	19.06%
Return 10 Years	N/A
Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
Risk Level	Principal at very high risk
Launch Date	15th January, 2019
Asset Allocation	Equity: 95.02%, Debt: 0.78%, Others: 4.2%
Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
Top Holdings	Axis Bank Ltd Infosys Ltd HDFC Bank Ltd Repo ICICI Bank Ltd Reliance Industries Ltd Sun Pharmaceutical Industries Ltd Larsen & Toubro Ltd State Bank of India NTPC Ltd
Fund Managers	Divya Jain Sankaran Naren Roshan Chutkey Sharmila D'Silva
Fund Type	Open-ended

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
Equity Fund SBI Life Rating	8.53%	10.11%	10.82% View Plan
Top 300 Alpha 50 Pension Fund HDFC Life Rating	16.1%	-	18.6% View Plan
High Growth Pension Fund Axis Max Life Rating	22%	21.62%	20% View Plan
Opportunities Fund ICICI Prudential Life Rating	13.3%	12.8%	12.6% View Plan
Multi Cap Fund Tata AIA Life Rating	21%	20.45%	22% View Plan
Accelerator Mid-Cap Fund II Bajaj Life Rating	12.53%	13.61%	13.92% View Plan
Multiplier Birla Sun Life Rating	16.13%	16.07%	15.8% View Plan
Virtue II PNB MetLife Rating	12.48%	16.05%	15.02% View Plan
Pension Nifty Alpha 50 Index Fund Canara HSBC Life Rating	16.1%	-	18.6% View Plan
Blue-Chip Equity Fund Star Union Dai-ichi Life Rating	7.27%	8.46%	9.45% View Plan

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Last updated: May 2026

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How Does SIP Plans for 10,000 Per Month Work?

A ₹10,000‑per‑month SIP means you invest ₹10,000 every month into a mutual fund (or multiple funds), instead of putting a big lump sum at once. Over time, this builds a large corpus thanks to regular investing + the power of compounding.

How a ₹10,000 SIP actually works

On a fixed date each month, ₹10,000 is automatically debited from your bank and used to buy units of the chosen mutual‑fund scheme at that day’s NAV (Net Asset Value).
When the market is low, the same ₹10,000 buys more units; when it is high, it buys fewer units, which averages out your purchase cost (rupee‑cost averaging).

Example

Assuming an average annual return of about 12%, a ₹10,000 monthly SIP can roughly become:

Tenure	Total invested (₹)	*Approximate value (₹)**
5 years	6,00,000	8,00,000–8,50,000
10 years	12,00,000	20,00,000–22,00,000
15 years	18,00,000	45,00,000–50,00,000
20 years	24,00,000	85,00,000–95,00,000

*These are illustrative figures; actual returns depend on the fund and market performance. You can calculate your returns using an SIP calculator. It allows you to test out various scenarios.

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

/Month

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

Years

Expected return Pro Tip

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

% Annually

Total Wealth ₹1.03 Cr

View Plans

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

Years

Expected return Pro Tip

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

% Annually

Monthly Investment ₹22.4 L

View Plans

Top Funds with High Returns (Past 7 Years)

11.83%

Equity Pension

18.6%

Top 300 Alpha 50 Pension Fund

20%

High Growth Pension Fund

12.6%

Opportunities Fund

22%

Multi Cap Fund

13.92%

Accelerator Mid-Cap Fund II

15.8%

Multiplier

13.42%

Frontline Equity Fund

15.02%

Virtue II

18.6%

Pension Nifty Alpha 50 Index Fund

9.45%

Blue-Chip Equity Fund

12.5%

Life Pure Equity Fund 2

14.45%

Growth Opportunities Plus Fund

10.92%

Equity Top 250 Fund

12.79%

Future Apex Fund

10.37%

Pension Dynamic Equity Fund

12.94%

Accelerator Fund

11.17%

Enhancer Fund-II

11.02%

Pension Bond Fund

14.67%

Midcap Fund

Conclusion

Choosing the best SIP plan for ₹10,000 per month isn't about chasing the highest returns it's about finding the right balance between risk, consistency, and your financial needs. By investing wisely and reviewing your portfolio regularly, you can harness the power of compounding and achieve significant growth over time. A disciplined SIP strategy can turn modest monthly investments into a substantial corpus in the future.

FAQs

What returns can I expect from investing ₹10,000 per month in SIPs?

Returns depend on the type of mutual fund you choose. Equity funds can offer average returns of 10–15% over the long term, while debt funds may offer 6–8%. The longer you stay invested, the better the chances of compounding working in your favour.
Which type of SIP fund is ideal for ₹10,000 monthly investment?

If your investment horizon is more than 5–7 years, equity mutual funds (like large-cap or flexi-cap) are ideal. For shorter durations or lower risk appetite, consider hybrid or debt funds. You can also split your ₹10,000 across different fund types to diversify.
How long should I continue my SIP of ₹10,000 per month?

To maximise returns, you should stay invested for at least 5–10 years. SIPs work best when allowed to grow over time through the power of compounding and market averaging.