Systematic Investment Plans (SIPs) have evolved into a robust tool for capitalising on market opportunities, especially in today’s uncertain economic landscape. The testament to this is the fact that in September 2024 alone, SIP inflows reached an impressive Rs 24,509 crore, with over 66.39 lakh new SIP accounts registered. With global markets experiencing volatility from geopolitical tensions and changing economic policies, SIPs offer a steady approach to investing, helping investors stay committed without trying to time the market.
India’s SIP landscape reflects this shift in investor behaviour, with the Association of Mutual Funds in India (AMFI) recording consistent and record-breaking SIP inflows. With 98.7 million SIP accounts and monthly inflows surpassing Rs 15,000 crore, Indian investors have shown confidence in the power of consistent investing.
As we look ahead to 2025, here is a list of the top 5 mutual funds for SIP that have demonstrated resilience and growth potential, catering to different investor needs through diverse categories. Think of this lineup as your cricket team of mutual funds for SIP—covering all bases with a mix of small-cap, mid-cap, and flexi-cap funds.
Here’s a carefully curated list of top-performing mutual funds for SIP in 2025, each selected for its ability to outperform its category benchmark. This selection is akin to forming a strong cricket team, with each fund representing a unique player with specific strengths.
| Mutual Fund Scheme Name | 5-year return in % | Category | Benchmark |
| Quant Small Cap Fund | 46.09 | Small Cap Fund | Nifty Smallcap 250 TRI |
| Motilal Oswal Mid Cap Fund | 41.67 | Mid Cap Fund | Nifty Midcap 150 TRI |
| Motilal Oswal Large & Mid Cap Fund | 33.98 | Large & Midcap Fund | Nifty LargeMidcap 250 TRI |
| Quant Flexi Cap Fund | 33.2 | Flexi Cap Fund | Nifty 500 TRI |
| Nippon India Large Cap Fund | 26.14 | Large Cap Fund | BSE 100 TRI |
Note: This data is based on November 07, 2024. The funds are sorted based on a 5-year CAGR from various categories.
Known for its aggressive growth potential, the Quant Small Cap Fund is for investors looking to tap into the higher returns that small-cap companies can offer. With a robust 5-year return, it has consistently outperformed its benchmark, making it a compelling option for those willing to accept higher risk for greater rewards.
The Motilal Oswal Mid Cap Fund provides a balanced approach between the high-risk small caps and more stable large caps. This fund has consistently delivered strong returns, making it suitable for investors aiming for growth with moderate risk. Its focus on high-quality mid-sized companies makes it a resilient performer.
This fund bridges the gap between large and mid-cap investments, offering both growth and stability. It appeals to investors seeking the security of large caps with the growth potential of mid-caps. The Motilal Oswal Large & Mid Cap Fund has outpaced its benchmark, showing strength in volatile markets.
The Quant Flexi Cap Fund offers flexibility to invest across market caps, making it a versatile choice for all market conditions. With its 5-year return standing strong, it’s a good fit for investors who want diversified exposure to various sectors and market segments.
For investors seeking stability and long-term growth, the Nippon India Large Cap Fund is a strong option. Large-cap funds tend to have lower volatility, and this fund’s consistent performance against the benchmark BSE 100 TRI makes it an attractive choice for risk-averse investors.
Selecting SIP funds for a robust portfolio is like assembling a well-balanced team. Whether you are a first-time investor or an experienced one, these funds allow you to diversify your investments across different market caps, aligning with market opportunities and your financial goals.
Investing through SIPs in 2025 is a smart way to stay committed to your financial goals in a volatile market environment. By choosing from these top-performing funds, you can create a balanced portfolio that maximizes growth potential while managing risk effectively.
Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making related decisions.
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