SIP for Retirement

A Systematic Investment Plan (SIP) is a smart way to save for retirement. By investing a fixed amount every month in mutual funds, you can grow your savings over time. In 2025, SIPs help you manage market ups and downs, making your investment safer. The earlier you start, the more you can build for a secure and comfortable retirement.

Read more

SIP Plan Benefits
Start SIP with as low as ₹1000
Start SIP with as low as ₹1000
No hidden charges
No hidden charges
Save upto ₹46,800 in Tax
Save upto ₹46,800 in Taxunder section 80C^
Zero LTCG Tax
Zero LTCG Tax
Disciplined & worry-free investing
Disciplined & worry free investing

Payment Mode
Invest
₹ 10,000
Invest for
AUM (Cr)

₹12,196

NAV

166.86

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.12 20.06 17.98 %

Instant tax receipt
AUM (Cr)

₹2,773

NAV

72.49

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.1 15.5 15.4 %

Instant tax receipt
AUM (Cr)

₹3,330

NAV

69

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.23 16.24 15.02 %

Instant tax receipt
AUM (Cr)

₹1,779

NAV

90.93

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 18.47 17.33 14.93 %

Instant tax receipt
AUM (Cr)

₹5,680

NAV

81.83

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.18 13.86 14.24 %

Instant tax receipt
AUM (Cr)

₹35,377

NAV

77.92

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.6 14.6 14.2 %

Instant tax receipt
AUM (Cr)

₹446

NAV

67.46

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.8 13.3 14.17 %

Instant tax receipt
AUM (Cr)

₹4,837

NAV

68.5

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.16 14.48 14.01 %

Instant tax receipt
AUM (Cr)

₹219

NAV

47.96

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.67 14.04 13.62 %

Instant tax receipt
AUM (Cr)

₹3,598

NAV

40.83

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.67 12.52 13.44 %

Instant tax receipt
AUM (Cr)

₹2,773

NAV

72.49

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.1 15.5 15.4 %

AUM (Cr)

₹3,330

NAV

69

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.23 16.24 15.02 %

AUM (Cr)

₹446

NAV

67.46

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.8 13.3 14.17 %

AUM (Cr)

₹4,837

NAV

68.5

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.16 14.48 14.01 %

AUM (Cr)

₹219

NAV

47.96

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.67 14.04 13.62 %

AUM (Cr)

₹3,598

NAV

40.83

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.67 12.52 13.44 %

AUM (Cr)

₹130

NAV

55.41

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.02 13.77 13.37 %

AUM (Cr)

₹7,575

NAV

151.04

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.75 13.46 13.14 %

AUM (Cr)

₹3,142

NAV

65.66

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.72 11.78 12.45 %

AUM (Cr)

₹1,640

NAV

55.53

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 10.33 11.34 11.95 %

AUM (Cr)

₹12,196

NAV

166.86

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.12 20.06 17.98 %

AUM (Cr)

₹1,779

NAV

90.93

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 18.47 17.33 14.93 %

AUM (Cr)

₹5,680

NAV

81.83

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.18 13.86 14.24 %

AUM (Cr)

₹35,377

NAV

77.92

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.6 14.6 14.2 %

AUM (Cr)

₹9,815

NAV

64.71

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21 21.11 22 %

AUM (Cr)

₹12,246

NAV

117.8

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.85 21.73 18.72 %

AUM (Cr)

₹1,051

NAV

73.07

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.6 14.58 14.83 %

AUM (Cr)

₹13,553

NAV

69.74

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.09 13.5 13.21 %

AUM (Cr)

₹1,137

NAV

54.44

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.74 13 12.7 %

AUM (Cr)

₹3,622

NAV

59.39

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.3 12.8 12.6 %

AUM (Cr)

₹526

NAV

56.26

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.01 11.61 11.24 %

AUM (Cr)

₹258

NAV

27.55

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.56 9.5 10.16 %

AUM (Cr)

₹810

NAV

41.36

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.77 7.1 7.32 %

AUM (Cr)

₹499

NAV

38.72

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.37 7.06 7.04 %

AUM (Cr)

₹117

NAV

30.38

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.99 6.76 6.91 %

AUM (Cr)

₹77

NAV

41.79

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.56 6.68 6.85 %

AUM (Cr)

₹17,457

NAV

50.58

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.4 6.51 6.65 %

AUM (Cr)

₹1,209

NAV

51.77

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 4.79 6.42 6.64 %

AUM (Cr)

₹93

NAV

39.47

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.33 6.7 6.62 %

AUM (Cr)

₹1,022

NAV

47.28

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.79 6.51 6.62 %

AUM (Cr)

₹1,650

NAV

44.11

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.4 6.2 6.47 %

AUM (Cr)

₹935

NAV

100.35

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.94 15.89 15.26 %

AUM (Cr)

₹1,126

NAV

54.01

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.34 10.89 11.82 %

AUM (Cr)

₹354

NAV

47.81

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.78 10.36 10.29 %

AUM (Cr)

₹62

NAV

60.44

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.51 9.15 9.89 %

AUM (Cr)

₹5,072

NAV

39.62

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.81 9.33 9.89 %

AUM (Cr)

₹478

NAV

102.58

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.45 9.21 9.77 %

AUM (Cr)

₹833

NAV

39.3

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.29 9.58 9.58 %

AUM (Cr)

₹24,626

NAV

71.88

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.04 9.02 9.56 %

AUM (Cr)

₹197

NAV

108.2

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.52 9.23 9.43 %

AUM (Cr)

₹276

NAV

30.82

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.74 9.02 9.33 %

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What is SIP for Retirement?

A Systematic Investment Plan (SIP) for retirement is a smart way to build a retirement corpus over time. It allows you to invest a fixed amount regularly in mutual funds, ensuring disciplined savings. SIPs benefit from the power of compounding and rupee cost averaging, reducing the impact of market volatility. By starting early and staying consistent, you can accumulate significant wealth to secure a comfortable retirement lifestyle.

  • Insurance Companies
  • Mutual Funds
Returns
Fund Name 5 Years 7 Years 10 Years
Top 300 Fund SBI Life
Rating
10.33% 11.34%
11.95%
View Plan
Opportunities Fund HDFC Life
Rating
14.6% 14.6%
14.2%
View Plan
High Growth Fund Axis Max Life
Rating
20.85% 21.73%
18.72%
View Plan
Opportunities Fund ICICI Prudential Life
Rating
13.3% 12.8%
12.6%
View Plan
Multi Cap Fund Tata AIA Life
Rating
21% 21.11%
22%
View Plan
Accelerator Mid-Cap Fund II Bajaj Life
Rating
15.18% 13.86%
14.24%
View Plan
Multiplier Birla Sun Life
Rating
18.07% 15.95%
15.9%
View Plan
Virtue II PNB MetLife
Rating
14.23% 16.24%
15.02%
View Plan
Equity II Fund Canara HSBC Life
Rating
10.41% 9.61%
10.36%
View Plan
Blue-Chip Equity Fund Star Union Dai-ichi Life
Rating
9.25% 9.4%
10.21%
View Plan
Fund rating powered by
Last updated: Mar 2026
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Updated as of Mar 2026

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Buying the Dip Results in Higher ReturnsBuying the Dip Results in Higher Returns

How SIP for Retirement Work?

Let us learn the working of best SIP plan for retirement from the following steps:

  • Set Your Retirement Goal: Estimate the money you will need after retirement, considering future expenses, inflation, and lifestyle.

  • Pick the Right Fund: Choose equity mutual funds for long-term growth or hybrid funds for balanced risk based on your retirement timeline.

  • Start Investing Early: Begin SIPs as early as possible with a fixed monthly amount to take full advantage of compounding.

  • Benefit from Compounding: SIP returns are reinvested, helping your investments grow exponentially over time.

  • Stay Consistent: Invest regularly without stopping, even during market ups and downs, to achieve long-term goals.

  • Review Periodically: Check your investments yearly and increase the SIP amount or switch funds if needed for better returns.

SIP Calculator

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
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Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
% Annually
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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
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Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
% Annually
  • 1
  • 2
  • 3
  • 4
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Monthly Investment ₹22.4 L
View Plans
Top Funds with High Returns (Past 7 Years)
Equity Pension
12.37%
Equity Pension
Opportunities Fund
14.2%
Opportunities Fund
High Growth Fund
18.72%
High Growth Fund
Opportunities Fund
12.6%
Opportunities Fund
Multi Cap Fund
22%
Multi Cap Fund
Accelerator Mid-Cap Fund II
14.24%
Accelerator Mid-Cap Fund II
Multiplier
15.9%
Multiplier
Frontline Equity Fund
14.01%
Frontline Equity Fund
Virtue II
15.02%
Virtue II
Equity II Fund
10.36%
Equity II Fund
Blue-Chip Equity Fund
10.21%
Blue-Chip Equity Fund
Global Equity Growth Fund
16.25%
Global Equity Growth Fund
Life Pure Equity Fund 2
12.72%
Life Pure Equity Fund 2
Growth Opportunities Plus Fund
14.83%
Growth Opportunities Plus Fund
Equity Top 250 Fund
11.24%
Equity Top 250 Fund
Future Apex Fund
13.37%
Future Apex Fund
Pension Dynamic Equity Fund
10.96%
Pension Dynamic Equity Fund
Accelerator Fund
13.62%
Accelerator Fund
Enhancer Fund-II
11.82%
Enhancer Fund-II
Midcap Fund
14.93%
Midcap Fund

SIP Calculator to Estimate Retirement Fund

A SIP calculator is a helpful tool to estimate the monthly investment needed to achieve your retirement goal. It calculates the required investment based on your retirement goal amount, investment duration, and expected return rate.

    1. SIP Calculator for Retirement Fund

      Select the “I Know My Goal Amount” option in the SIP calculator. Then, enter your retirement goal, investment duration, and expected returns-

      • Current Age: 30 years

      • Retirement Age: 60 years

      • Investment Duration: 60 - 30 years = 30 years

      • Retirement Expenses Estimate: ₹3,00,00,000

      • Expected Return: 15% annually.

    2. SIP Calculator Results

      The calculator provides the required monthly investment-

      • Monthly Investment Required: ₹9,430

      • Total Investment: ₹29,40,000

      • Amount Required: ₹3,00,00,000

      • Wealth Gained from SIP: ₹2,72,00,000.

Key Points to Consider Before Investing in a SIP for Retirement

Consider the following points before starting to invest in a SIP for a retirement plan:

  • Define Your Retirement Goal: Decide how much money you will need for your retirement based on your lifestyle, daily expenses, and inflation.

  • Start Early: Begin investing as early as possible to take advantage of compounding and build a larger retirement corpus.

  • Understand Your Risk Appetite: Know how much risk you can take. If you are comfortable with high risk, choose equity funds. For safer options, go for debt funds.

  • Check Expected Returns: Look at the past performance of funds to understand how much return you can expect in the future.

  • Diversify Your Investments: Invest in different types of funds like equity, debt, and hybrid to balance risk and returns.

  • Account for Inflation: Consider the rising cost of living and invest in funds that can grow faster than inflation.

  • Review Regularly: Monitor your SIP investments regularly and make changes if the fund is not performing well.

  • Look for Tax Benefits: If you want tax savings, invest in SIPs like ELSS funds that are eligible for deductions under Section 80C.

  • Compare Expense Ratios: Choose funds with a low expense ratio to save on costs and get better returns.

Start Small & Build Your Wealth For A Brighter Tomorrow Start Small & Build Your Wealth For A Brighter Tomorrow

Conclusion

SIP for retirement allows you to invest a fixed amount regularly to build a retirement corpus with the help of compounding. SIPs offer flexibility, so you can start with a small amount and increase it as you go. It is a long-term strategy that helps you build a good retirement fund. The key is to start early, stay consistent, and let your SIPs grow over time.

SIP Hub
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FAQs

  • What is SIP for Retirement?

    SIP for retirement is a way to invest a fixed amount regularly in mutual funds. This helps you save money for your retirement over time.
  • How does SIP for Retirement work?

    With SIP for retirement, you invest a small amount every month in mutual funds. Over the years, your investment grows with compounding, helping you build a retirement fund.
  • Why should I choose SIP for Retirement?

    SIP for retirement helps you invest regularly, using market growth and compounding. This way, you can create a large retirement fund over time.
  • When should I start SIP for Retirement?

    It is advisable to start SIP for retirement as soon as possible. The earlier you start, the more time your investment will have to grow.
  • What are the benefits of SIP for Retirement?

    SIP for retirement helps you invest regularly and build wealth. It also gives you the advantage of compounding and makes investing easy.

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Invest ₹10K/Month & Get ₹1 Crore# Tax-Free*
*under 10(10D)

˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
Disclaimer:#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. All SIPs listed here are of insurance companies’ funds. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).

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