Best SIP Investment Options in India 2025

Systematic Investment Planning (SIP) is one of the most popular ways to invest in mutual funds in India. With a SIP, you invest a fixed amount regularly to buy units of a mutual fund scheme. This helps you average out the fluctuations of the market and build long-term wealth.

As we are halfway through 2025, which SIP mutual funds are best to invest in for goals 6-7 years away?
Here are some of the best-performing mutual funds in 2025 likely to give good returns over the 3-5 year period based on past trends.

Why Invest Through SIPs?

Before we look at the top mutual funds to invest in, let’s understand why SIPs make for great investments:

• Rupee cost averaging: SIPs allow your money to buy more units when the market falls and fewer units when the market rises. This averages out the purchase cost over time.
  
• Power of compounding: Left untouched for long periods, SIPs can grow your wealth exponentially through the power of compounding.
  
• Disciplined investing: SIPs enforce a disciplined approach to investing a fixed amount regularly, helping you stay invested over the long term.
  
• Flexibility: You can start SIP with just ₹500-1000 per month. This flexibility makes it ideal for retail investors.

List of Best SIP Funds in 2025

Here are some of the best-performing mutual funds suitable for SIP investment in 2025:

Fund Name	AUM (in Crs)	Min. Invest (₹)	Current Value (₹)	Return (p.a.) (%)	Age (in yrs)	Expense Ratio (%)
ICICI Prudential Infrastructure Fund	7920	500	1347000	33.05	12	11.4
Motilal Oswal Midcap Fund	30401	500	1326000	32.4	11	0.7
SBI PSU Fund	5259	500	1308000	31.8	12	0.81
HDFC Infrastructure Fund	2540	500	1292000	31.3	12	1.02
Aditya Birla Sun Life PSU Equity Fund	5582	500	1287000	31	5	0.53
Bandhan Infrastructure Fund	17101	500	1261000	30.25	12	0.85
Quant Small Cap Fund	28205	1000	1256000	30.1	12	0.66
Canara Robeco Infrastructure Fund	904	1000	1251000	29.91	12	0.99
Franklin Build India Fund	2857	500	1255000	29.88	12	0.95
Nippon India Power & Infra Fund	7417	500	1242000	29.61	12	0.95
ICICI Prudential BHARAT 22 FOF Scheme	2358	1000	1242000	29.6	7	0.12
DSP India T.I.G.E.R. Fund	35319	500	1237000	29.45	12	0.87
Nippon India Small Cap Fund	63007	500	1220000	28.85	12	0.65
Franklin India Opportunities Fund	6864	500	1205000	28.32	12	0.95
ICICI Prudential India Opportunities Fund	28204	500	1201000	28.21	6	0.63
Quant Infrastructure Fund	3370	1000	1178000	27.36	12	0.72
ICICI Prudential Dividend Yield Equity Fund	5401	500	1169000	27.05	11	0.58
HDFC Focused 30 Fund	19578	500	1153000	26.49	12	0.61
SBI Contra Fund	45496	500	1121000	25.26	12	0.62

Disclaimer: The table above lists some of the good SIP plans in India for 2025, highlighting key details such as AUM, minimum investment, return rates and expense ratios.
This information is for educational purposes only and does not constitute any advisory.

Which is the Best SIP Plan to Invest: What to Look for in Mutual Funds?

Here are a few quick tips on what to analyse before you finalise a mutual fund for SIP investment:

• Past performance: Look at SIP returns over 3 years and 5 years to understand consistency.
  
• Portfolio: Review top 10 holdings to gauge market cap exposure and concentration risk.
  
• Fund manager: Check the background and capability of the fund manager managing the scheme.
  
• Expense ratio: A Lower expense ratio implies higher returns for investors.
  
• Risk profile: Assess your personal risk appetite before choosing an aggressive fund.

Conclusion

Systematic Investment Plans (SIPs) are an effective way to build long-term wealth by mitigating market volatility. For goals 6-7 years away, funds like Motilal Oswal Midcap Fund and ICICI Prudential Infrastructure Fund stand out as strong options, offering impressive returns and consistent performance. By assessing your risk appetite and investing regularly, you can achieve good returns and make the most of your SIP investments in the coming years.

If you need access to funds before your investments mature, consider leveraging your mutual funds with Fibe Loan Against Mutual Funds. This option allows you to unlock liquidity up to ₹10 lakhs instantly, with interest-only EMIs and a hassle-free application process, ensuring you can meet your immediate financial needs while continuing to benefit from your SIP investments.

FAQs

Which SIP is best for the next 15 years?

For the next 15 years, Motilal Oswal Midcap Fund and ICICI Prudential Infrastructure Fund are top choices, offering consistent high returns with reasonable expense ratios, making them strong long-term investments.

What is the best investment for 2025?

For 2025, SBI PSU Fund and Franklin Build India Fund are excellent options, providing strong returns and low expense ratios, making them ideal for short to mid-term growth.

Which SIP funds have the lowest expense ratios?

Funds like Aditya Birla Sun Life PSU Equity Fund and Motilal Oswal Midcap Fund have relatively low expense ratios, ensuring more of your investment works for you.

Can I invest in SIP funds with a small amount?

Yes, many SIP funds allow you to start investing with as little as ₹500, making them accessible for investors with a small budget.