Here, we provide a detailed look at the top 6 SIP mutual funds for 2025, why they are considered the best, their past performance data, and a basic calculation example of returns.
Top 10 SIP Mutual Funds for 2024
1. Quant Large and Mid Cap Fund Direct Growth
Category: Equity Large & MidCap
Annualized Returns: 28.01% (5 years)
Why It’s Best: Known for consistent performance and a strong management team, making it a top choice for both large and mid-cap exposure.
Calculation Example: A ₹10,000 monthly SIP over 5 years would grow to approximately ₹6,19,000.
Equity sector allocation
Consumer Staples – 20.6%
Energy – 15.6%
Construction – 12.0%
Healthcare – 11.7%
Financial – 9.8%
Automobile – 8.1%
Metals & Mining – 7.3%
Insurance – 6.7%
Services – 5.3%
Others – 2.9%
Name
Sector
Instrument
Assets (%)
Reliance Industries Ltd.
Energy
Equity
9.31
ITC Ltd.
Consumer Staples
Equity
8.18
Aurobindo Pharma Ltd.
Healthcare
Equity
7.45
Samvardhana Motherson International Ltd.
Automobile
Equity
6.05
IRB Infrastructure Developers Ltd.
Construction
Equity
4.77
Container Corporation Of India Ltd.
Services
Equity
4.40
Larsen & Toubro Ltd.
Construction
Futures
4.33
Lloyds Metals & Energy Ltd.
Metals & Mining
Equity
4.26
Life Insurance Corporation of India
Insurance
Equity
4.23
Adani Power Ltd.
Energy
Equity
4.19
JIO Financial Services Ltd.
Financial
Equity
3.98
Hindustan Unilever Ltd.
Consumer Staples
Equity
3.57
Britannia Industries Ltd.
Consumer Staples
Equity
2.98
Bajaj Finance Ltd.
Financial
Futures
2.97
Marico Ltd.
Consumer Staples
Equity
2.91
Steel Authority Of India Ltd.
Metals & Mining
Equity
2.84
Poonawalla Fincorp Ltd.
Financial
Equity
2.49
Reserve Bank of India
Financial
T-Bills
2.33
HDFC Life Insurance Co Ltd.
Insurance
Equity
2.28
Divi’s Laboratories Ltd.
Healthcare
Futures
2.26
Reserve Bank of India
Financial
T-Bills
2.21
MRF Ltd.
Automobile
Equity
1.77
United Spirits Ltd.
Consumer Staples
Equity
1.74
Oil And Natural Gas Corporation Ltd.
Energy
Futures
1.65
Glaxosmithkline Pharmaceuticals Ltd.
Healthcare
Equity
1.62
Grasim Industries Ltd.
Construction
Equity
1.38
Tata Communications Ltd.
Communication
Equity
1.27
Larsen & Toubro Ltd.
Construction
Equity
1.10
3M India Ltd.
Diversified
Equity
1.08
Crisil Ltd.
Services
Equity
0.73
Procter & Gamble Hygiene and Health Care Ltd.
Consumer Staples
Equity
0.60
Mphasis Ltd.
Technology
Equity
0.45
Quant Large and Mid Cap Fund Direct Growth
2. Motilal Oswal Midcap Fund
Category: Mid Cap Fund
Annualized Returns: 33.97% (5 years)
Why It’s Best: Offers high returns with a diversified portfolio of mid-cap companies, ideal for investors seeking substantial growth.
Calculation Example: A ₹10,000 monthly SIP for 5 years would result in around ₹6,30,000.
Equity sector allocation
Technology – 24.9%
Consumer Discretionary – 18.4%
Capital Goods – 15.4%
Others – 12.9%
Automobile – 11.9%
Financial – 10.9%
Healthcare – 5.5%
Company Name
Sector
Instrument
Assets
Kalyan Jewellers India Ltd.
Consumer Discretionary
Equity
9.97%
GE T&D India Ltd.
Capital Goods
Equity
1.36%
The Phoenix Mills Ltd.
Construction
Equity
1.24%
Tata Elxsi Ltd.
Technology
Equity
1.14%
CG Power and Industrial Solutions Ltd.
Capital Goods
Equity
0.71%
Suzlon Energy Ltd.
Capital Goods
Equity
0.54%
Dixon Technologies (India) Ltd.
Capital Goods
Equity
0.37%
One97 Communications Ltd.
Services
Equity
0.37%
Polycab India Ltd.
Capital Goods
Equity
9.53%
JIO Financial Services Ltd.
Financial
Equity
8.81%
Coforge Ltd.
Technology
Equity
8.49%
Persistent Systems Ltd.
Technology
Equity
7.91%
Tube Investments Of India Ltd.
Automobile
Equity
5.75%
Voltas Ltd.
Consumer Discretionary
Equity
4.96%
Balkrishna Industries Ltd.
Automobile
Equity
3.85%
Zornato Ltd.
Services
Equity
3.67%
Max Healthcare Institute Ltd.
Healthcare
Equity
2.90%
KPIT Technologies Ltd.
Technology
Equity
2.63%
Deepak Nitrite Ltd.
Chemicals
Equity
2.27%
Aurobindo Pharma Ltd.
Healthcare
Equity
1.57%
Prestige Estates Projects Ltd.
Construction
Equity
1.49%
Deepak Fertilisers And Petrochemicals Corporation Ltd.
Chemicals
Equity
1.43%
Motilal Oswal Midcap Fund
3. Parag Parikh Flexi Cap Fund
Category: Flexi Cap
Annualized Returns: 26.32% (5 years)
Why It’s Best: Provides flexibility in asset allocation, allowing the fund to adjust to market conditions.
Calculation Example: ₹10,000 monthly for 5 years would grow to around ₹5,90,000.
Why It’s Best: A strong performer in the mid-cap space, providing solid growth potential for investors.
Calculation Example: A ₹10,000 monthly SIP for 5 years would grow to approximately ₹6,00,000.
Name
Sector
Instrument
Assets
The Indian Hotels Company Ltd.
Services
Equity
3.75%
Max Financial Services Ltd.
Financial
Equity
3.70%
Ipca Laboratories Ltd.
Healthcare
Equity
3.26%
The Federal Bank Ltd.
Financial
Equity
3.19%
Balkrishna Industries Ltd.
Automobile
Equity
3.06%
Apollo Tyres Ltd.
Automobile
Equity
2.95%
Hindustan Petroleum Corporation Ltd.
Energy
Equity
2.91%
Coforge Ltd.
Technology
Equity
2.80%
Tata Communications Ltd.
Communication
Equity
2.80%
Persistent Systems Ltd.
Technology
Equity
2.55%
Aurobindo Pharma Ltd.
Healthcare
Equity
2.45%
Indian Bank
Financial
Equity
2.41%
Max Healthcare Institute Ltd.
Healthcare
Equity
2.18%
Mahindra & Mahindra Financial Services Ltd.
Financial
Equity
2.16%
Jindal Steel & Power Ltd.
Metals & Mining
Equity
2.01%
AIA Engineering Ltd.
Metals & Mining
Equity
2.00%
Fortis Healthcare Ltd.
Healthcare
Equity
1.78%
AU Small Finance Bank Ltd.
Financial
Equity
1.70%
Glenmark Pharmaceuticals Ltd.
Healthcare
Equity
1.67%
SKF India Ltd.
Capital Goods
Equity
1.64%
Oracle Financial Services Software Ltd.
Technology
Equity
1.57%
Dixon Technologies (India) Ltd.
Capital Goods
Equity
1.55%
Crompton Greaves Consumer Electricals Ltd.
Consumer Discretionary
Equity
1.54%
Union Bank of India
Financial
Equity
1.51%
Cummins India Ltd.
Capital Goods
Equity
1.49%
PB Fintech Ltd.
Services
Equity
1.48%
ACC Ltd.
Construction
Equity
1.45%
Power Finance Corporation Ltd.
Financial
Equity
1.43%
Sundram Fasteners Ltd.
Capital Goods
Equity
1.41%
Mphasis Ltd.
Technology
Equity
1.31%
Solar Industries India Ltd.
Chemicals
Equity
1.30%
Gland Pharma Ltd.
Healthcare
Equity
1.28%
Marico Ltd.
Consumer Staples
Equity
1.25%
KEC International Ltd.
Capital Goods
Equity
1.21%
Supreme Industries Ltd.
Chemicals
Equity
1.15%
Star Health and Allied Insurance Company Ltd.
Insurance
Equity
1.08%
Delhivery Ltd.
Services
Equity
1.03%
KNR Constructions Ltd.
Construction
Equity
1.01%
Karur Vysya Bank Ltd.
Financial
Equity
0.91%
Indraprastha Gas Ltd.
Energy
Equity
0.89%
Redington Ltd.
Services
Equity
0.84%
Nippon Life India Asset Management Ltd.
Financial
Equity
0.83%
Gujarat Fluorochemicals Ltd.
Chemicals
Equity
0.83%
REC Ltd.
Financial
Equity
0.79%
Cholamandalam Investment and Finance Company Ltd.
Financial
Equity
0.76%
Emami Ltd.
Consumer Staples
Equity
0.73%
Symphony Ltd.
Consumer Discretionary
Equity
0.72%
Tata Chemicals Ltd.
Chemicals
Equity
0.60%
Cholamandalam Financial Holdings Ltd.
Financial
Equity
0.60%
Aarti Industries Ltd.
Chemicals
Equity
0.60%
City Union Bank Ltd.
Financial
Equity
0.55%
Arvind Ltd.
Textiles
Equity
0.54%
Greenlam Industries Ltd.
Consumer Staples
Equity
0.54%
Timken India Ltd.
Capital Goods
Equity
Why SIP Mutual Funds Are the Best Investment Choice
Disciplined Savings: SIPs encourage systematic and regular savings, making it easier for individuals to stay committed to their financial goals.
Rupee Cost Averaging: By investing consistently over time, you can benefit from rupee cost averaging, reducing the risk of market volatility.
Compounding Benefits: As the returns are reinvested, the power of compounding significantly boosts the overall growth of your investment.
No Need to Time the Market: Since SIPs are periodic, there’s no need to worry about market highs and lows, allowing you to focus on long-term growth.
Professional Management: Experienced fund managers handle the portfolio, making the process stress-free for investors.
Conclusion
Investing in SIP mutual funds offers a structured way to build wealth over the long term. The funds listed above have shown consistent performance and can help investors achieve their financial goals in 2024 and beyond. Always remember to consider your financial objectives, risk appetite, and investment horizon before choosing the best SIP mutual fund for your portfolio.
