Many people ask me about the best SIP mutual funds to invest in for 2025 in India. They want to know which SIPs offer the highest growth potential for long-term investments. Others inquire about the best SIP plans for 5-year or 10-year durations. Some also seek recommendations for the top Indian mutual funds to buy for SIP investments. I am glad to give you answers for those questions. Here I will be focusing and discussing about top 10 mutual funds for sip to invest in 2025 India.
Finally the year has ended with a beginning of year 2025. Also people are wondering for the top sip investment options for long term financing planning in year 2025. This chapter covers the top 10 best SIP mutual fund plans to invest in for 2025-2026. Our team analyzed and researched the best-performing SIPs. Based on this, we filtered the “Top 10 Mutual Funds for SIP to Invest in 2025.” We evaluated these funds using various indicators and parameters. This information is based on our extensive experience studying the Indian financial markets. Our goal is to provide you with the best possible knowledge for your research and analysis.
Returns on Best SIP Plan for 20 years
Lets take an example to understand it in much better ways. Imagine you want to invest in the best Indian mutual funds through a systematic investment plan (SIP). Your goal is to invest INR 12,00,000 over the next 20 years. This breaks down to INR 5,000 per month.
With an SIP of INR 5,000 per month for 20 years, your total capital investment will be INR 12,00,000. Assuming an expected return of 20%, your future value could grow to INR 1,58,07,387. The chart below illustrates how your SIP investment can work for you.
After extensive research, we have identified the best-performing mutual funds for long-term SIP investments in India. These mutual funds are listed below. You can see how your portfolio may perform if you invest in a SIP plan for 20 years, 10 years, 5 years, or even 1 year.
I believe the numbers would be something above your imagination. Systematic Investment Plans (SIP) is for those who want to invest some portion of their saving every month. After seeing the mutual funds for SIP returns for next 20 years, you may feel that money you get is enough for your retirement funds.
Let me tell you that if you compare with best mutual funds to Invest in India for 2025 for long term with lump-sum capital investment. I will insist you to keep your eye on lump-sum investment as well. The fruits which you will get would be much better in taste then the fruits you taste with mutual fund sip to invest for long term. Do not forget to check it out.
Top 10 – Best Mutual Funds for SIP to Invest in for Long Term in India 2025
Now here comes the time to look into this chapter in more detailed manner. In the below table we have shown best performing mutual funds for sip to invest for 5 years and 10 years in 2025 India.
Read about what are small cap funds with what are mid cap funds and gain understanding on what are large cap funds to expand your knowledge.
We are also going to show you the returns you earn in long term based on SIP calculation. It took us long time to figure it out the top performing mutual funds for sip in India with highest growth potential. Hope you will also find this information useful for your financial planning and SIP investment.
| Sr. | Scheme Name | Category Name | 1 Yr | 2 Yrs | 3 Yrs | 5 Yrs |
| 1 | HSBC Large & Midcap Fund – Direct Plan – Growth | Large Cap Fund | 39.77% | 35.78% | 22.40% | 23.53% |
| 2 | Invesco India Large & Mid Cap Fund – Direct Plan – Growth | Large Cap Fund | 40.35% | 36.36% | 24.28% | 23.02% |
| 3 | Motilal Oswal Midcap Fund – Direct Plan – Growth | Mid Cap Fund | 56.50% | 50.42% | 36.78% | 34.52% |
| 4 | Invesco India Large & Mid Cap Fund – Direct Plan – Growth | Mid Cap Fund | 40.35% | 36.36% | 24.28% | 23.02% |
| 5 | Invesco India Smallcap Fund – Direct – Growth | Small Cap Fund | 39.79% | 43.49% | 28.84% | 34.06% |
| 6 | LIC MF Small Cap Fund – Direct Plan – Growth | Small Cap Fund | 42.25% | 38.68% | 26.59% | 31.86% |
| 7 | LIC MF Infrastructure Fund – Direct Plan – Growth | Sectoral/Thematic | 51.44% | 48.34% | 34.82% | 29.20% |
| 8 | ICICI Prudential Pharma Healthcare and Diagnostics (P.H.D) Fund – Direct Plan – Growth | Sectoral/Thematic | 47.37% | 44.04% | 25.99% | 31.89% |
| 9 | Motilal Oswal Flexi Cap Fund – Direct Plan – Growth | Flexi Cap Fund | 45.05% | 38.76% | 24.28% | 19.44% |
| 10 | JM Flexi Cap Fund – Direct – Growth | Flexi Cap Fund | 36.10% | 38.30% | 28.44% | 25.43% |
| Average Annualized Returns: | 43.90% | 41.05% | 27.67% | 27.60% |
Note: (1) AUM refers to Assets Under Management. Its a ratio / measures to determine the total market value of a Mutual Fund company. (2) SIP is the short name for Systematic Investment Plan.
Looking at the past performance of top mutual funds for sip to invest for long term with upside growth potential, the figures and numbers looks very fascinating to us.
You may have noticed that average returns for best sip plan for 5 years is different than best sip plan for 20 years and same is the case with best sip plan for 10 years. This is because of ups and downs in financial markets over a period of time.
There are various categories to start an mutual funds for sip like Large Cap Funds, Small & Mid Cap Funds, Equity Mutual Funds and Balanced Funds. One can make a handsome of money for its retirement. One of the easiest way of making money is through mutual funds for sip to invest in India.
Every person have aspiration and different financial goals. There may be people who will be more interested towards best stocks to buy in India for 2025 either best stocks for long term investment, whereas other persons may be interested in best dividend paying stocks in India. Here we are going to focus only on top 10 – best sip to invest in 2025 India for long term.
Conclusion
This bring me to conclude every piece of my research in few words. Do write us your feedback’s / comments, so that next time I can present you some thing better. Hope that you will find this best sip to invest for highest growth in India interesting for your portfolio.
In this article, we explored the top 10 best mutual funds for SIP to invest in India for 2025–2026. We also highlighted some of the best-performing mutual funds for SIP and examples of potential returns. Additionally, we discussed the best SIP plans for 20 years, along with plans offering returns for 5 and 10 years.
The returns on investment are undoubtedly fascinating. Achieving such returns is impossible with bank savings interest rates or fixed deposit interest rates. If you’ve decided to invest in the top 10 best mutual funds for the long term, you’re on the right path. Over the next 10 years, your return on investment could reach a magical figure, as mentioned earlier. Do compare with FD interest rate while you comparing with best SIP plans in India.
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