Start SIP in Best Mutual Fund Plans

How Best SIP Plans Work?

Regularly investing a fixed amount over a long period is key to being a successful SIP investor. The longer you stay invested, the more returns you yield. For example,

Assume you make a monthly SIP of Rs. 10,000 in a mutual fund with 14% Annualised Returns for 5, 10, 15 and 20 years.

Hence proved, the longer you invest, the better you save for the future. There is a wide range of mutual fund SIP plans available. The SIP Calculator can help you easily calculate your SIP returns without any hassle. Let us take a look at the list of best SIPs to invest in 2025 in India:

Best Mutual Fund Plans in 2025 in India

Details of Mutual Fund Schemes for Best Mutual Fund Plans

Key details for selecting the best SIP plans are as follows:

1. Quant Multi Cap Fund Regular-Growth

   The investment objective of the Quant Multi Cap Fund Regular-Growth is to generate long-term capital appreciation and current income by investing in equity and equity-related instruments across large-cap, mid-cap, and small-cap companies.

   Parameters	Details
   Fund Name	Quant Multi Cap Fund Regular-Growth
   NAV	₹ 642.80 (as on 17th June, 2026)
   AUM	₹7,663.81 Crs
   Expense Ratio	2.21%
   Return 3 Years	11.75%
   Return 5 Years	12.56%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	21st March, 2001
   Asset Allocation	Equity: 95.69%, Debt: 3.78%, Others: 0.53%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	Others Fixed Deposits Repo Adani Power Ltd Aurobindo Pharma Ltd MIDCAPNIFTY 30/06/2026 MIDCAPNIFTY 26/05/2026 Reliance Industries Ltd Nifty Midcap Select index ID MIDCAPNIFTY 30/12/2025 ICICI Bank Ltd
   Fund Managers	Sanjeev Sharma Ankit A Pande Sandeep Tandon Lokesh Garg Varun Pattani Ayusha Kumbhat Sameer Kate Yug Tibrewal
   Fund Type	Open-ended

2. Motilal Oswal Midcap Fund Regular-Growth

   The scheme seeks to achieve long-term capital appreciation by investing in quality mid-cap companies having long-term competitive advantages and potential for growth.

   Parameters	Details
   Fund Name	Motilal Oswal Midcap Fund Regular-Growth
   NAV	₹ 94.42 (as on 18th June, 2026)
   AUM	₹36,458.21 Crs
   Expense Ratio	1.56%
   Return 3 Years	17.89%
   Return 5 Years	21.73%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹500
   Risk Level	Principal at very high risk
   Launch Date	24th February, 2014
   Asset Allocation	Equity: 93.37%, Others: 6.63%
   Top Sectors	Real Estate Materials Consumer Discretionary Industrials Financial Healthcare Technology
   Top Holdings	Others CBLO Reverse Repo/CBLO Persistent Systems Ltd Dixon Technologies (India) Ltd Coforge Ltd Zomato Ltd Trent Ltd Kalyan Jewellers India Ltd One 97 Communications Ltd NIFTY 26000 Put Feb26
   Fund Managers	Ajay Khandelwal Niket Shah Rakesh Shetty Sunil Sawant
   Fund Type	Open-ended

   

3. SBI PSU Fund-Growth

   The investment objective of SBI PSU Fund - Growth is to provide opportunities for long-term growth through active management of investments in diversified equity stocks of domestic Public Sector Undertakings (PSUs) and in debt and money market instruments issued by PSUs and others.

   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 3 Years	28.28%
   Return 5 Years	23.27%
   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

   

4. HDFC Infrastructure Fund Regular-Growth

   The investment objective of HDFC Infrastructure Fund Regular-Growth is to seek long-term capital appreciation by investing predominantly in equity and equity-related securities of companies engaged in or expected to benefit from the growth and development of infrastructure.

   Parameters	Details
   Fund Name	HDFC Infrastructure Fund Regular-Growth
   NAV	₹ 47.65 (as on 18th June, 2026)
   AUM	₹2,392.73 Crs
   Expense Ratio	2.2%
   Return 3 Years	20.98%
   Return 5 Years	21.45%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	10th March, 2008
   Asset Allocation	Equity: 97.15%, Others: 0.43%
   Top Sectors	Consumer Discretionary Industrials Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Repo ICICI Bank Ltd Larsen & Toubro Ltd HDFC Bank Ltd Kalpataru Power Transmission Ltd NTPC Ltd J Kumar Infraprojects Ltd Interglobe Aviation Ltd State Bank of India Reliance Industries Ltd
   Fund Managers	Srinivasan Ramamurthy Dhruv Muchhal
   Fund Type	Open-ended

5. ICICI Prudential India Opportunities Fund-Growth

   The investment objective of ICICI Prudential India Opportunities Fund - Growth is to create wealth over the long term by investing in stocks going through temporary challenges. The fund aims to leverage investment opportunities arising due to government policy changes, corporate restructuring, and other special situations.

   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 3 Years	22.05%
   Return 5 Years	24.02%
   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

6. Nippon India Small Cap Fund Regular- Growth

   The scheme seeks to generate long-term capital appreciation by investing predominantly in equity and equity-related instruments of small-cap companies. The secondary objective is to generate consistent returns by investing in debt and money market securities.

   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 3 Years	18.35%
   Return 5 Years	20.38%
   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

Features and Benefits of SIP in Mutual Funds

Following are some of the key features of SIP in mutual funds in 2024 in India:

• Regular Investment: SIP allows you to make regular, fixed investments at predetermined intervals.
• Flexible Investment Amounts: You can choose the amount you want to invest, making it flexible to suit your individual budget.
• Rupee Cost Averaging: SIP helps average out the cost of units over time, reducing the impact of market volatility on investments.
• Power of Compounding: SIP harnesses the compounding effect, as returns are reinvested, leading to potential long-term wealth creation.
• Auto-Debit Facility: Funds are automatically debited from your account, promoting discipline in regular investing.
• Affordability: SIPs are affordable, making mutual fund investments accessible to a wide range of investors.
• Professional Fund Management: Funds are managed by professional fund managers, leveraging their expertise for optimal returns.
• Liquidity: You can redeem units partially or fully at any time, providing liquidity as needed.
• Goal-Based Investing: SIPs can be aligned with specific financial goals, such as education or retirement planning.
• Tax Benefits: Equity Linked Savings Scheme (ELSS) SIPs offer tax benefits under Section 80C of the Income Tax Act.

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

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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

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Expected return Pro Tip

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

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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

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Expected return Pro Tip

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

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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

How to Start SIP in Best Mutual Fund Plans in India in 2025?

Follow the steps mentioned below to start a SIP in the best mutual fund plan:

1. Organize Your Documents:

2. Gather essential documents: ID Proof, PAN Card, and Address Proof.
3. Verify bank account details and ensure compliance with KYC rules.
4. Keep a copy of your passport or driving license if investing in instruments other than cash.

5. Complete KYC Requirements:

6. Fill out a KYC application form at an authorized bank or post office.
7. Alternatively, complete KYC online by providing personal details, photo ID proofs, and investment preferences.

8. Register with a Broker or Financial Advisor:

9. Sign up with an Indian broker or financial advisor of your choice.
10. Once registered, explore various SIP investment plans based on your requirements and risk tolerance.

11. Choose the Right Investment Plan:

12. Assess your risk tolerance, desired number of units, and investor type.
13. Select a SIP plan that aligns with your financial goals and preferences.

14. Determine Investment Amount:

15. Decide the monthly or weekly investment amount based on your financial objectives.
16. Consider your liquidity needs and overall investment value.

17. Select a Convenient SIP Date:

18. Choose a date that suits your convenience for initiating SIP transactions.
19. You can select different dates for various SIPs within the same month.

20. Submit the Application Form:

21. Submit your SIP application form online or offline, depending on the fund house.
22. If applying online, complete the ADF and submit it through your existing Demat account or opt for e-mandate/billpay/e-nach payment options.

23. Start Investing:

24. Begin your SIP investment journey, either through automatic deposits or manual submissions.
25. Utilize online platforms or visit the bank to ensure a hassle-free submission process.

Summing It Up!

Starting a Systematic Investment Plan (SIP) in the best mutual fund plans is a prudent financial decision. This disciplined approach to investing offers the potential for long-term wealth creation, capitalising on the power of compounding. By carefully selecting top-performing mutual funds and consistently contributing over time, you can navigate market fluctuations and work towards achieving your financial goals with confidence.