Introduction
Systematic Investment Plans (SIPS) allow you to conveniently invest in mutual funds according to the regularity and amount you are comfortable with. It is also a useful medium to build discipline with your investments and achieve returns based on the long-term approach. However, you may find various mutual fund schemes with varying potential. Choosing the best SIP funds among them can seem challenging. Fret not, this guide breaks down the best SIP schemes in 2025.
Best SIP Plans in 2025
Based on their recent performance and track record, here are some noteworthy SIP schemes to consider this year:
· ICICI Prudential Infrastructure Direct Growth
With the main focus on the infrastructure sector, this fund capitalised on India's growing infrastructural development. It is suitable for you if you seek sector-specific funds and have a high-risk tolerance. The fund's current NAV as of 7th April is Rs. 181, and its size is Rs. 6,886.49 crores. Its 3-year annualised returns are at 25.24%. You can invest in this fund with a minimum SIP amount of Rs.100. The fund is 19-plus years of age. The expense ratio you incur is up to 1.88%, including GST.
· Motilal Oswal Midcap Fund Direct-Growth
If you are targeting mid-cap companies with high-growth potential, this fund is for you. It focuses on firms showing the potential to become future market leaders. Its robust performance is evident with the 3-year annualised returns of 24.61% as of 7th April, 2025. Its NAV stands at Rs.98.874 with a Rs.23,703 crores fund size. You can invest in it with a minimum SIP amount of Rs.500. The expense ratio comes up to 0.68%. With such nominal cost, the fund offers flexibility to invest.
· Quant Large and Midcap Fund
This Quant fund is an open-ended equity mutual fund. It focuses on both large and mid-cap companies. You can generate potentially decent income from a long-term capital growth perspective. You may do so by primarily investing in equity and equity-related securities. The NAV of Quant Large and Midcap Fund stands at Rs.102.249 as of 7th April 2025. Its fund size constitutes Rs.3242.15 crores with a 3-year annualised return rate of 12.78%. It comes with an expense ratio of 1.93% but with a flexible SIP minimum limit of Rs.1,000.
· JM Aggressive Hybrid Fund Direct-Growth
The JM Aggressive Hybrid Fund Direct-Growth is a type of mutual fund that provides you with long-term capital appreciation. It invests in equity and equity-related instruments. The rest of its composition is complemented by debt and money-market instruments. The fund comes under the aggressive hybrid category. Its NAV as of 7th April 2025 is Rs.108.2942. The fund is aged over 30 years with a Rs.729.06 size. Its 3-year annualised return comes up to 16.78%. You can invest in it with a minimum SIP of Rs.100 at an expense ratio of 2.29%.
· Quant Multi Asset Fund Direct-Growth
This is a type of hybrid mutual fund offered by Quant Mutual Fund. Launched on 1st January 2013, it is a fund designed for capital appreciation and provides long-term growth opportunities. This is because it events across asset classes such as equity, debt, and commodities. The fund's size is Rs.3,004.32 crores, while it is aged 24 years. Its current NAV as of 7th April 2025 is Rs.124.44. You can invest in it with a minimum SIP amount of Rs.100 at an expense ratio of 1.88%.
· SBI PSU Direct Plan-Growth
Being an equity mutual fund managed by SBI mutual fund, this fund focuses on investments in Public Sector Undertakings (PSUs). It is a good fund for long-term capital growth. All you need is active management and its inclusion in a diversified portfolio. It comprises equity stocks of domestic PSUs with debt and money market instruments by PSUs. This fund's AUM or size is Rs.4,149.45 crores, with its NAV coming at Rs.31.19 as of 7th April 2025. Its 3-year annualised return rate is 26.95. You can invest in it with an SIP of Rs.500.
· Parag Parikh Flexi Cap Fund Direct-Growth
This is an actively managed fund offered by the PPFAS Mutual Fund. It can generate long-term capital as it predominantly invests in equity and equity-related securities with varied market capitalisations. The AUM of this flexi cap fund is Rs.88,004 crores with an NAV of Rs.76.87 as of 7th April 2025. Its 3-year annualised return stands at 14.25%. You can invest in it with a minimum SIP of Rs.1,000.
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Conclusion
Now that you know about the best SIP plans to invest in 2025, you're all set to make a difference in your portfolio. All these schemes offer a structured path to wealth accumulation. You simply need to be careful while selecting the SIP plans and ensure they align with your financial goals and risk tolerance. Navigate the market volatility to ensure you achieve your investment objectives effectively.
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