Best SIP Mutual Funds - Consider the best performing sip mutual funds to invest in 2025 with Scripbox.com. Find the list of best sip mutual funds in India on the basis of Returns, Latest Nav, Ratings, Performance etc.
Parag Parikh Flexi Cap Fund Direct (G)
is a Equity fund
that has delivered a 1 Year return of 13.7% , a 3 Years return of 25.8% and a 5 Years return of 27.4%
. The fund has an expense ratio of 0.6% and an AUM of ₹
103868 crores as of 2025-07-01.
It was Launched on 2013-05-24. The minimum lump sum investment is ₹5000.
2 . SBI ELSS Tax Saver Fund Direct (G)
SBI ELSS Tax Saver Fund Direct (G)
is a Equity fund
that has delivered a 1 Year return of 6.1% , a 3 Years return of 30.7% and a 5 Years return of 29.2%
. The fund has an expense ratio of 0.9% and an AUM of ₹
29667 crores as of 2025-07-01.
The minimum lump sum investment is ₹500.
3 . HDFC Large and Mid Cap Fund Direct (G)
HDFC Large and Mid Cap Fund Direct (G)
is a Equity fund
that has delivered a 1 Year return of 6.4% , a 3 Years return of 27.5% and a 5 Years return of 29.9%
. The fund has an expense ratio of 1.0% and an AUM of ₹
25412 crores as of 2025-07-01.
It was Launched on 2013-01-01. The minimum lump sum investment is ₹5000.
4 . DSP ELSS Tax Saver Fund Direct (G)
DSP ELSS Tax Saver Fund Direct (G)
is a Equity fund
that has delivered a 1 Year return of 9.1% , a 3 Years return of 26.1% and a 5 Years return of 27.2%
. The fund has an expense ratio of 0.7% and an AUM of ₹
16974 crores as of 2025-07-01.
It was Launched on 2013-01-01. The minimum lump sum investment is ₹500.
5 . ICICI Prudential Large Cap Fund Direct (G)
ICICI Prudential Large Cap Fund Direct (G)
is a Equity fund
that has delivered a 1 Year return of 8.4% , a 3 Years return of 23.4% and a 5 Years return of 24.7%
. The fund has an expense ratio of 0.8% and an AUM of ₹
69763 crores as of 2025-07-01.
The minimum lump sum investment is ₹5000.
6 . HDFC Flexi Cap Fund Direct (G)
HDFC Flexi Cap Fund Direct (G)
is a Equity fund
that has delivered a 1 Year return of 11.5% , a 3 Years return of 28.6% and a 5 Years return of 31.0%
. The fund has an expense ratio of 0.8% and an AUM of ₹
75784 crores as of 2025-07-01.
It was Launched on 2013-01-01. The minimum lump sum investment is ₹5000.
7 . SBI Contra Fund Direct (G)
SBI Contra Fund Direct (G)
is a Equity fund
that has delivered a 1 Year return of 4.1% , a 3 Years return of 27.6% and a 5 Years return of 34.7%
. The fund has an expense ratio of 0.8% and an AUM of ₹
45496 crores as of 2025-07-01.
The minimum lump sum investment is ₹5000.
8 . ICICI Prudential Dividend Yield Equity Fund Direct (G)
ICICI Prudential Dividend Yield Equity Fund Direct (G)
is a Equity fund
that has delivered a 1 Year return of 8.8% , a 3 Years return of 29.6% and a 5 Years return of 33.0%
. The fund has an expense ratio of 0.7% and an AUM of ₹
5401 crores as of 2025-07-01.
It was Launched on 2014-05-16. The minimum lump sum investment is ₹5000.
9 . Motilal Oswal Midcap Fund Direct (G)
Motilal Oswal Midcap Fund Direct (G)
is a Equity fund
that has delivered a 1 Year return of 10.6% , a 3 Years return of 36.7% and a 5 Years return of 38.4%
. The fund has an expense ratio of 0.7% and an AUM of ₹
30401 crores as of 2025-07-01.
It was Launched on 2014-02-24. The minimum lump sum investment is ₹5000.
10 . Nippon India Large Cap Fund Direct (G)
Nippon India Large Cap Fund Direct (G)
is a Equity fund
that has delivered a 1 Year return of 7.8% , a 3 Years return of 26.3% and a 5 Years return of 28.0%
. The fund has an expense ratio of 0.7% and an AUM of ₹
41750 crores as of 2025-07-01.
The minimum lump sum investment is ₹5000.
A systematic investment plan is a disciplined approach towards investment. It thrives to install a habit of savings accompanied with investment in retail investors. You can start a SIP in any mutual fund. You only need to find the best SIP mutual fund that suits your investment goals. While the suitability of any fund to the investor’s goals must be the primary factor, there are other factors as well. The factors such as risk, historical returns, future potential, NAV, AUM, tax, and exit load help you in determining the best SIP mutual fund.
What are Best SIP Investment Plans?
A systematic investment plan (SIP) is the most popular approach to investment among investors in m. SIPs allow investing a fixed amount periodically in a mutual fund scheme and eliminated the need to time the market.
Mutual fund investments have become comfortable. By investing in mutual funds, investors gets an added benefit of expert assistance of a fund manager. The fund manager is responsible for managing and operating the fund and its investments on various assets
One of the most significant benefits of the SIP plans is that it ensures the investor gets into the habit of saving fixed amounts regularly. Investors need not worry about lump sum investments. They can invest small sip amounts regularly and earn SIP returns over the long term.
The frequency of a SIP can be chosen by the investor depending on investment objective; it can be quarterly, monthly, bi-weekly, and weekly. Depending on the financial goal, an investor can choose any best mutual funds to invest through SIP.
Investing small amounts regularly will help investors in long term wealth creation. An investor doesn’t have to worry about investing money every time, upon selecting a fund for SIP, the amount automatically gets debited from the bank account.
Best Monthly SIP Plans for Rs 5000 Per Month
Best SIP Plan in Direct Funds
Fund Name
3 Years Return
5 Years Return
Mirae Asset ELSS Tax Saver Fund Direct Growth
12.9%
21.1%
ICICI Prudential Value Discovery Fund Direct Growth
20.8%
26.2%
Parag Parikh Flexi Cap Fund Direct Growth
16.2%
25.6%
ICICI Prudential Bluechip Fund Direct Growth
15.6%
19.6%
HDFC Large and Mid Cap Fund Direct Growth
18.6%
23.9%
DSP ELSS Tax Saver Fund Direct Growth
17.3%
22.4%
HDFC Small Cap Fund Direct Growth
22.3%
29.7%
Franklin India Focused Equity Fund Direct Growth
15.3%
21.6%
ICICI Prudential Technology Fund Direct Growth
9%
30.6%
SBI Magnum Global Fund Direct Growth
8.2%
16.3%
Best SIP Plan in Regular Funds
Fund Name
3 Years Return
5 Years Return
Mirae Asset ELSS Tax Saver Fund Regular Plan
13.7%
21.2%
HDFC Large and Mid Cap Fund Regular Plan
20.2%
24.6%
ICICI Prudential Bluechip Fund Regular Plan
16.9%
20.2%
ICICI Prudential Value Discovery Fund Regular Plan
Mutual Fund SIP plan are simple when you understand them right. SIPs allow investors to start investing with as low as INR 500 to an amount with no upper limit at certain fixed intervals of time. The frequency of investment can be monthly, quarterly, and weekly. SIP returns on investments are compounded with time and earn higher returns.
To put it simply, SIP plan works in a way similar to that of a piggy bank. A child keeps depositing small amounts periodically, and over a period of time, they’ll end up having a large sum.
This sum is usually spent by them to purchase their favorite toy or book or game. Similarly, SIPs inculcate investment discipline into investors and encourages them to save for a financial goal.
The significant difference between the two is that the amount in a piggy bank stays idle. At the same time, SIPs investments are invested in particular asset classes through a mutual fund. An investor can invest in different funds like multi cap funds, mid cap funds, direct plans, regular and direct growth plans, duration fund, a balanced fund
An investor with a lump sum investment amount can also invest through SIPs. This is through a Systematic Transfer Plan (STP). Here an investor can invest a lump sum amount in a liquid or a short term fund and select a frequency at which the amount can be transferred to an equity fund.
Redeeming SIPs can be done either in a lump sum or in a periodic manner. The periodic withdrawal is also known as the Systematic Withdrawal Plan (SWP), here the investor opts for regular pay-outs, which are credited to their bank account.
What are the Benefits of Investing in SIP of Mutual Funds?
Investing in SIPs of mutual funds comes with its own set of benefits.
1. SIP step-up
Investors are expected to increase their investment amount every year in tandem with their increase in their income. Applying for a new SIP every year to increase the investment can be tedious.
Hence SIP step up has been introduced. Investors can choose a percentage, or an amount step up every year right when they are applying for a SIP. Choosing a step-up option can help in increasing the returns and reaching the financial goal faster and also help in beating inflation.
2. No timing of market
SIPs can be started in a bullish or a bearish market. There is no need to time the market before entering it with SIP investment plan. The investment is not affected by market volatility. This is because the investment is spread across several years. This helps in averaging out the investment cost per unit, leading to higher returns.
3. Inculcates financial discipline
SIP, as the name suggests, is very systematic. Once an investor starts a SIP, he or she doesn’t have to worry about anything. SIPs are automated. The bank account gets debited every month. Hence this inculcates financial discipline in an investor.
4. Averaging cost of investment
With SIPs, investors invest across market cycles. During market highs, they get fewer units, and during a falling market, they get a higher number of units. The overall cost per unit comes down as the investment is averaged out.
5. Power of compounding
Investing for longer investment horizons help in earning more through the power of compounding.
6. Invest with a minimal amount
SIP investing allows investors to invest even with an amount as low as INR 500 per month.
One of the crucial benefits of investing in SIP is that you can plan their expenses better. Once they schedule their SIPs at the starting of the month, they can spend the rest of the money guilt-free.
Why Invest in Best SIP Plans?
Ms. Priya chooses to invest INR 5,000 through SIP for six months. While Mr. Pranav makes a lump sum investment of INR 30,000. The above table shows that, over a period of six months, with the same total investment amount of INR 30,000, Priya has higher units when compared to Pranav. The average cost per unit is lower for Priya as she was able to bag more units when the prices were lower during the 6-month horizon. Continuing the SIP method of investing for the long term might reduce the average cost price further.
Simple and Convenient
In a SIP, all an investor has to do is select the frequency of the SIP and amount. The bank auto-debits the amount based on the choice of frequency. All the mutual fund SIPs can be tracked easily. SIPs also eliminate the worry to time the market each time an investor wants to invest. SIPs can be stopped anytime without much hassle.
Reduced Risk
Investing regularly for the long term is a good hedging strategy to address market fluctuations. Timing the market and worrying whether the purchase price is the lowest can be avoided entirely with SIPs. In instances where the investor has a fear that the fund is giving below-average returns, they can exit anytime and can choose another fund to make investments.
Financial Planning
To save is no easy job, but it becomes comfortable with proper planning. Saving by investing regularly is the best habit, and every investor needs to inculcate it. Always attach a monetary value and time for the financial goals.
The SIP amount should be in line with the timelines. This planning can go a long way and will make it very easy to achieve goals. Dreams will no longer just dream with SIPs. You can use Scripbox’s SIP calculator and get an estimate of wealth gained and maturity value of the investments made
Financial Discipline
Most investors lack discipline. Without a SIP, regular investments in a mutual fund scheme will always be in the planning phase. SIPs are a blessing for investors who wish to invest small amounts regularly. Investing small amounts today can go a long way in the future.
Disciplined saving at an early age would help an investor retire sooner and peacefully without worrying about income and expenses. Cutting down on non-vital costs and investing would reap wonderful results.
How many types of SIP are there?
There are four types of SIPs, namely top-up SIP, flexible SIP, perpetual SIP, and trigger SIP.
Top-up SIP: This allows investors to increase their investment periodically as the income increases. This is also called a step-up SIP.
Perpetual SIP: If an investor doesn’t mention the end date in the SIP form, the SIP continues perpetually. One can always withdraw the investment whenever required. But it is always advised to set an end date for SIPs to maintain financial discipline and reach financial goals.
Flexible SIP: This allows the investor to increase or decrease the SIP amount and even allow to skip a SIP during a cash crunch. One can also increase the SIP amount during a bonus or additional income.
Trigger SIP: This type of SIP is ideal for investors with limited knowledge. It allows investors to set NAV, index level, start, and end date. But this type of SIP leads to speculation and is often discouraged.
Frequently Asked Questions
Is SIP in Mutual Funds a risky investment?
SIPs invest through different markets and hence manage the risk of investing in the wrong time of the market. But mutual funds are subject to market risk. Investment in mutual funds through SIPs in itself isn’t risky, but the fund that the investor chooses might be on a higher risk level than what they can handle. An investor can choose to invest in different funds like multi cap funds, mid cap funds, direct plans, regular and direct growth plans, duration fund, a balanced fund.
How much amount can one invest in ELSS tax saving mutual funds in the financial year?
There is no upper limit for investing in Equity Linked Savings Scheme. But which considering tax savings, an investment in ELSS tax saving mutual funds are allowed as a deduction up to Rs 1.5 lakh only
Can I withdraw money from SIP?
One can always withdraw money from their SIP investment plan. It’s called redeeming the investment. An exit load is charged if the redemption is done before one year from investing.
Can I withdraw the tax saving mutual funds?
Yes, withdrawal of tax saving mutual funds is allowed at the maturity of the funds. The units available for redemption can be redeemed. But a premature withdrawal of funds before 3 years of lock-in period is not allowed
Can I withdraw from an ELSS SIP before 3 years?
No, one cannot withdraw money from their Equity Linked Savings Scheme investment before three years.
Which mutual fund investment is tax-free in India?
Equity-linked mutual funds ELSS are the funds which are allowed as a deduction up to Rs 1.5 lakh on investment in mutual funds and the capital gains up to Rs 1 lakh are tax-free.
How does Scripbox rate funds?
Proprietary system to rate mutual funds
We use a proprietary system to rate mutual funds and based on the outcome of the rating, we classify funds into 4 categories namely "Recommended", "Top Ranked", "Neutral" and "Not Recommended".
Scripbox algorithm recommends 2-4 funds for investment for an investment asset class such as large cap, diversified, liquid etc. When you invest for an objective, the algorithm suggests the appropriate asset class and funds.
Top Ranked
These funds are the top performers within a category of mutual funds considering a combination of criteria. The best amongst these funds are also labelled as Scripbox Recommended.
Neutral
Scripbox recommends other funds, which are more suitable for your investment objectives, within this asset and sub asset class.
Not Recommended
Scripbox algorithm classifies funds as "not recommended" when they perform poorly on a combination of criteria. These funds are usually the poorest performers within a category.
Things we consider to provide ratings for a mutual fund.
Outperformance Consistency
We look at the consistency of the outperformance that the fund has displayed. A fund with high consistency is preferred
Rolling Returns (1 Year Holding Period)
We consider average 1 year return that the fund has delivered over an extended period of time
Rolling Returns (3 Year Holding Period)
We consider average 3 year return that the fund has delivered over an extended period of time
Volatility of Outperformance
We consider how volatile the out-performance over the benchmark has been. A lower volatility is preferred
Downside Protection Measure
We look at how resilient the fund is to market down trends. A fund that has shown a higher resilience is preferred
Upside Participation Measure
We consider how well the fund has been able to participate in upmoves in the market. A fund that participates well is preferred
Fund Size
We look at the size of the fund with respect to other funds in the category. Larger funds are preferred.
How to invest in best mutual funds?
Investing through Scripbox is made easy and paperless. All you need to do is follow the below steps and start investing.
0 1
Choose a plan
Choose a plan to invest to start investing
0 2
Create an Account
Create an account with Scripbox through a paperless process, to invest in best mutual funds.
0 3
Invest online & transfer
Invest via netbanking, UPI or through an SIP (eNACH mandate).
0 4
Track your investments
Track, invest more and withdraw your investments through the Scripbox dashboard
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