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Best SIP Mutual Funds in India To Invest in 2022

05 Jan 2023

Investors find that a SIP investment is a prudent way to grow wealth. With a SIP, or Systematic Investment Plan, you can choose a mutual fund to allocate your capital to, investing on a regular schedule. Many forms of investment involve you investing a lump sum initially. However, with a SIP investment, you can gradually invest small sums intermittently. This is beneficial to small investors or first-time investors, and helps them get used to financial planning. 

SIPs are fruitful ways of making investments, letting investors plan investments based on needs and financial goals. Systematic Investment Plans also let you learn how to budget your income. Mutual funds mainly offer you the investment choices of a SIP, a lump sum investment, or both ways of investing. Since you, the investor, have a choice of investing in the mutual funds of your own choice, how do you know which to pick? The recommendations here may be helpful. However, before you check the list, you should pay attention to aspects of how choices are made. 

SIP Investment Based On You

You can easily opt for a SIP online, and the process of investing is easy. The hard part is choosing the right mutual fund to invest in through a SIP. The first thing you need to do is to assess yourself as an investor. If you are conservative, and don’t want to be really risky, you can select a hybrid fund or a large-cap equity SIP. Contrastingly, if you are aggressively risky, you may choose flexi large-cap funds, and mostly in the equity markets. If you fall in a category of “neither here nor there” (moderate risk), you can select a large-cap equity fund along with a hybrid fund, or a conservatively hybrid fund. 

The Best SIPs in 2022

To invest in a SIP, you do not have to open a demat account, even though your mutual fund through a SIP may invest in equity. Hence, any asset management company can be the source of your Systematic Investment Plans and due to advancements in technology, demat accounts are not required. Anyway, here are the best SIPs to consider in 2022:

  • For Risk-Averse Investors 
  1. Axis Bluechip Fund - Direct Plan Growth (Large-cap Equity)
  2. ICICI Prudential Regular Savings - Direct Plan Growth (Hybrid)
  3. Quant Infrastructure Fund (Equity)
  4. HDFC Credit Debt Risk Debt Fund - Direct Growth


  • For Moderately Risky Investors 
  1. Mirae Asset Large-Cap Fund
  2. Robeco Bluechip Equity Fund - Direct Growth Plan
  3. Quant Absolute Fund Direct Growth
  4. Baroda BNP Paribas Hybrid Fund


  • For Risk Takers
  1. BOI AXA Small Cap Fund Direct Growth
  2. Quant Tax Plan Direct Growth
  3. Mirae Asset Tax Saver Fund
  4. Kotak Bluechip Fund
  5. Axis Bluechip Fund

You Know Best

Stocks are a go-to form of investment for many individuals who open a demat account for the same. However, stocks may not be for every type of investor. Moreover, you may get all kinds of advice to invest in  the “best SIP investment” in 2022, but really, you must invest in some research before you invest at all. Find out if a SIP is a good investment route for you and if it matches your needs. Other sensible forms of investment like any upcoming IPO are a good investment bet, and you should explore the market and make choices. 

Related Articles : What is the return in SIP for 10 years | 5 reasons for the sharp growth in SIPs in India | 7 Good Reasons to Invest in SIPs | SIP Numbers Break Records and Add Joy to the Mutual Fund Industry | How can a SIP Help You Save for Retirement

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