Systematic Investment Plans (SIPs) continue to be one of the efficient ways to build long-term wealth while riding out volatile markets. So, are you on the lookout for some of the best SIPs based on your financial goals? Whether you’re saving for your retirement or to fund your kid’s education, starting an SIP helps you stay disciplined and achieve your goals.
In this blog, we have curated some of the best picks across various market caps that can help you build a resilient financial portfolio.
Top SIP Picks For Investors in 2025
If you’re in a dilemma over the best mutual funds for 2025, we’ll make things easy for you. Check out some of the top picks from different sectors, including a contra fund and a multicap fund in our list (data as of 31st March 2025).
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Quant Small Cap Fund
If you’re an aggressive investor and ready to take risks, the Quant Small Cap Fund can be an option. At 472.30%, its five-year absolute return looks phenomenal. This fund invests in emerging companies in the small-cap sector and carries a high growth potential. Some of the key sectors where it allocates its assets include energy, financial services, healthcare, consumer cyclical, and basic materials.
- AUM: INR 25,183.50 crore
- NAV: INR 239.1001
- Expense ratio: 0.68%
- 1-Year return: – 7.13%
- 3-Year return: 22.80%
- 5-Year return: 41.45%
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Bandhan Large Cap Fund
Investors looking for lower volatility while creating wealth might find the Bandhan Large Cap Fund ideal. It invests in large, established companies for steady returns. This fund offers greater financial resilience, withstanding market downturns and ensuring sustained growth over long periods. The Bandhan Large Cap Fund primarily invests in sectors like financial services, technology, consumer cyclical, and consumer defensive.
- AUM: INR 1,726.24 crore
- NAV: INR 76.8860
- Expense ratio: 0.93%
- 1-Year return: 2.86%
- 3-Year return: 14.41%
- 5-Year return: 16.68%
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Motilal Oswal Midcap Fund
The Motilal Oswal Midcap Fund invests in quality mid-sized companies with strong fundamentals. Returning an impressive 28.56% to investors in the last five years, it’s a great choice for those looking to balance aggression with stability. Investors can create an SIP in this midcap fund with just INR 100. The Motilal Oswal Midcap Mutual Fund spreads its assets across sectors like technology, consumer defense, energy, financial services, and consumer cyclical.
- AUM: INR 24,488.00 crore
- NAV: INR 104.0690
- Expense ratio: 0.65%
- 1-Year return: 19.71%
- 3-Year return: 31.03%
- 5-Year return: 28.56%
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ICICI Prudential Multicap Fund
The ICICI Prudential Multicap Fund diversifies your investments across various market capitalizations. So, you get exposure to large, mid, and small-cap companies when you create an SIP in this fund. This flexibility allows the fund to adapt to changing market conditions while optimizing returns.
- AUM: INR 13,850.40 crore
- NAV: INR 779.0700
- Expense ratio: 0.99%
- 1-Year return: 4.30%
- 3-Year return: 20.51%
- 5-Year return: 21.41%
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SBI Contra Fund
The SBI Contra Fund is a suitable choice for investors looking for undervalued stocks with a strong potential for recovery. The fund invests in businesses that are temporarily overlooked by the market but possess solid fundamentals. So, if you have the patience to wait and capitalize, this fund may suit your requirements.
- AUM: INR 41,634.20 crore
- NAV: INR 375.7387
- Expense ratio: 0.60%
- 1-Year return: 2.33%
- 3-Year return: 23.45%
- 5-Year return: 29.77%
Conclusion
We have included five promising funds that are suitable for different strategies. As an investor, combine these funds to create a well-structured portfolio and build long-term wealth. Make sure to factor in your financial goals and risk appetite when you invest in these mutual funds. Consider your risk appetite, investment goals, and market trends when you invest in the money market.
