Best Mutual Fund SIP : Choosing the best Systematic Investment Plan options for 2025 depends on your risk appetite, investment horizon, and financial goals. Based on recent performance

, fund ratings, and consistency, here are some of the top SIP choices for 2025:
#Best Mutual Fund SIP Options for 2025
Top Mutual Fund SIP Options 2025
Fund Name | Category | 3-Year Annualized Return (%) | Risk Level | Minimum SIP Amount |
---|---|---|---|---|
Quant Small Cap Fund Direct – Growth | Small Cap | 29.62% | Very High | ₹1,000 |
Nippon India Small Cap Fund Direct – Growth | Small Cap | 29.59% | Very High | ₹100 |
ICICI Prudential Infrastructure Fund Direct – Growth | Sectoral/Thematic | 34.06% | Very High | ₹100 |
Motilal Oswal Midcap Fund Direct – Growth | Mid Cap | 34.44% | Very High | ₹500 |
Bandhan Small Cap Fund Direct – Growth | Small Cap | 34.62% | Very High | ₹100 |
HDFC Small Cap Fund Direct – Growth | Small Cap | 28.04% | Very High | ₹100 |
HSBC Small Cap Fund Direct – Growth | Small Cap | 26.05% | Very High | ₹500 |
Franklin India Smaller Companies Fund Direct – Growth | Small Cap | 29.53% | Very High | ₹500 |
Tata Small Cap Fund Direct – Growth | Small Cap | 27.01% | Very High | ₹100 |
Edelweiss Mid Cap Fund Direct – Growth | Mid Cap | 30.74% | Very High | ₹100 |
#TOP Mutual Fund SIP Key Points to Consider
- Small Cap and Mid Cap Funds have delivered high returns in recent years but come with higher risk. These are suitable for investors with a long-term horizon and higher risk tolerance.
- Sectoral/Thematic Funds like infrastructure funds focus on specific sectors and can be volatile but may offer high growth potential.
- Minimum SIP amounts start as low as ₹100, making it easy for new investors to begin.
- Past performance is not a guarantee of future returns, but it helps assess fund consistency and management quality.
#Best Mutual Fund SIP Tips Before Investing
- Always align your SIP investments with your financial goals and risk profile.
- Review fund documents, expense ratios, and the track record of fund managers.
- SIPs work best when continued for 5 years or more, allowing you to benefit from compounding and rupee cost averaging.
- Diversify across different fund categories to manage risk.
Conclusion
#Best Mutual Fund SIP For 2025, funds like Quant Small Cap Fund, Nippon India Small Cap Fund, ICICI Prudential Infrastructure Fund, Motilal Oswal Midcap Fund, and Bandhan Small Cap Fund are among the most popular and high-performing Regular Savings Plan options.
Choose funds based on your investment goals, horizon, and risk appetite.