The best SIP depends on your investment goals, time horizon, and risk tolerance. For long-term wealth creation, flexi-cap and large, and mid-cap funds offer balanced growth and stability. investors with a higher risk appetite can consider small-cap funds for greater return potential, despite increased market volatility.
SIPs or Systematic Investment Plans are one of the easiest and the most accessible ways to invest in a compatible mutual fund scheme. It is a method to invest a predefined sum at regular intervals, be it on a daily, weekly, monthly, or quarterly basis. This approach is perfect if you are looking to avoid large lump sum investments and benefit from the principle of rupee cost averaging and the inherent power of compounding.
Here are a few of the most promising mutual fund schemes that you can choose to invest in via an SIP for generating maximum returns in 2026:
The Quant Large and Mid Cap Fund has a current net asset value of Rs. 141.39 and is a strong contender in the mutual fund space. It also boasts a high annual return rate of 21.42% since its inception in 2013. Moreover, this fund has an expense ratio of 0.61% and assets under management worth around Rs. 3,707 crore. The minimum SIP investment for this fund is set at Rs. 1,000 and comes with no specified lock in period. It focuses on sectors such as consumer staples, healthcare, and automobiles.
The Kotak Equity Opportunities Fund currently has a net asset value or NAV of Rs. 403.31 and has built a solid reputation for strong returns. Since its inception in 2013, it has delivered an annualised return of 19.24%, with a remarkable 46.34% return over the past year. The fund focuses on sectors such as financial services, energy, and healthcare. Moreover, this fund comes with a return to risk ratio that offers 20% more returns for each unit of risk. With a low minimum SIP investment of just Rs. 500, it is an excellent choice for long term investors.
The DSP Flexi Cap Fund ensures flexibility as it invests across several asset classes such as large, mid, and small cap stocks. With a 17.35% annualised return since it was launched, it has solid growth potential for the near future. The fund’s portfolio mainly focuses on financial services, technology, capital goods, automobiles, and healthcare. It has a minimum SIP investment amount of Rs. 500 and comes with no lock in period.
Edelweiss Large and Mid Cap Fund is an open-ended equity mutual fund that invests in a mix of large-cap and mid-cap companies. It aims to provide long-term capital growth by combining the stability of large companies with the higher growth potential of mid-sized businesses. The fund is suitable for investors with a long investment horizon and a higher risk appetite who are looking to build wealth over time.
Mirae Asset Large and Mid Cap Fund has provided its investors with 23.93% annual return since inception and 39.54% in the past year. It primarily invests in the stocks of several large and mid cap companies in sectors such as financial services, healthcare, and automobiles. Moreover, this fund has a Rs. 1,000 minimum SIP investment and an accessible option for long term investors who seek high growth. However, the fund comes with higher risk, especially during market downturns.
The below table compares the key attributes of the top performing mutual funds that allow SIP investments:
Fund Name | Net Asset Value | Returns Since inception (per annum) | Expense Ratio | AUM (in Rs. crores) | Minimum Investment (SIP) | Exit Load | Lock in Period |
Quant Large and Mid Cap Fund | Rs. 141.39 | 21.42% | 0.61% | Rs. 3,707 | Rs. 1,000 | 1% if redeemed within 15 days | No |
Kotak Equity Opportunities Fund | Rs. 403.31 | 19.23% | 0.47% | Rs. 25,293 | Rs. 500 | 1% for units >10% redeemed within 365 days | No |
DSP Flexi Cap Fund Direct Plan | Rs. 118.88 | 17.35% | 0.67% | Rs. 12,139 | Rs. 500 | 1% if redeemed within 12 months | No |
Edelweiss Large & Mid Cap Direct Plan | Rs. 105.88 | 18.53% | 0.45% | Rs. 3,655 | Rs. 500 | 1% if redeemed within 90 days | No |
Mirae Asset Large & Midcap Fund | Rs. 174.00 | 23.93% | 0.59% | Rs. 40,205 | Rs. 1,000 | 1% if redeemed within 1 year | No |
Name | NAV | AUM (in Cr.) | 1M Returns | 3M Returns | 1Y Returns | 3Y Returns | 5Y Returns | Rating | Exp Ratio | Risk | Min Monthly SIP | Min Lumpsum | Category | Sub Category |
HDFC Mid Cap Fund Direct - Growth | 229.58 | 97,350.50 | 4.80% | 13.52% | 6.02% | 21.01% | 20.71% | 4 | 0.73% | Very High | 100 | 100 | Equity | Mid Cap Fund |
Kotak Midcap Fund Direct - Growth | 169.82 | 64,749.40 | 5.43% | 17.48% | 7.33% | 21.38% | 18.64% | 4 | 0.38% | Very High | 100 | 100 | Equity | Mid Cap Fund |
Nippon India Growth Mid Cap Fund Direct - Growth | 4,975.99 | 47,415.40 | 4.06% | 15.92% | 7.64% | 22.92% | 21.39% | 5 | 0.62% | Very High | 100 | 100 | Equity | Mid Cap Fund |
Nippon India Growth Mid Cap Fund Direct Plan Bonus Plan Bonus | 826.69 | 47,415.40 | 4.06% | 15.92% | 7.64% | 22.92% | 21.39% | 5 | 0.62% | Very High | 0 | 100 | Equity | Mid Cap Fund |
Bandhan Small Cap Fund Direct - Growth | 55.38 | 27,219.10 | 5.43% | 19.55% | 7.70% | 29.15% | 21.68% | 5 | 0.33% | Very High | 100 | 1000 | Equity | Small Cap Fund |
Kotak Multicap Fund Direct - Growth | 21.58 | 26,249.40 | 4.64% | 13.19% | 7.07% | 21.04% | 0.00% | 5 | 0.47% | Very High | 100 | 100 | Equity | Multi Cap Fund |
Bandhan Large & Mid Cap Fund Direct - Growth | 165.13 | 17,460.90 | 2.99% | 12.02% | 5.95% | 21.36% | 18.57% | 5 | 0.44% | Very High | 100 | 1000 | Equity | Large & Mid Cap Fund |
Motilal Oswal Large and Midcap Fund Direct - Growth | 39.82 | 17,420.40 | 2.94% | 18.77% | 6.22% | 24.14% | 20.90% | 5 | 0.68% | Very High | 500 | 500 | Equity | Large & Mid Cap Fund |
Edelweiss Mid Cap Fund Direct - Growth | 127.49 | 16,848.60 | 3.42% | 15.75% | 5.40% | 24.21% | 20.50% | 5 | 0.48% | Very High | 100 | 100 | Equity | Mid Cap Fund |
ICICI Prudential Focused Equity Fund Direct - Growth | 110.2 | 16,147.20 | 8.16% | 13.34% | 5.16% | 20.22% | 18.47% | 5 | 0.52% | Very High | 100 | 500 | Equity | Focused Fund |
HSBC Value Fund Direct - Growth | 128.84 | 14,547.70 | 3.37% | 10.08% | 3.03% | 20.39% | 18.57% | 5 | 0.63% | Very High | 500 | 5000 | Equity | Value Fund |
HSBC Midcap Fund Direct - Growth | 525.84 | 14,249.20 | 2.46% | 22.45% | 15.62% | 26.95% | 19.97% | 4 | 0.56% | Very High | 500 | 5000 | Equity | Mid Cap Fund |
Invesco India Mid Cap Fund Direct - Growth | 240.6 | 12,396.80 | 9.56% | 24.71% | 10.93% | 27.27% | 21.81% | 5 | 0.49% | Very High | 100 | 100 | Equity | Mid Cap Fund |
Invesco India Smallcap Fund Direct - Growth | 52.63 | 11,716.90 | 9.95% | 26.28% | 12.09% | 25.79% | 21.88% | 5 | 0.39% | Very High | 100 | 100 | Equity | Small Cap Fund |
Invesco India Large & Mid Cap Fund Direct - Growth | 131.08 | 10,152.70 | 10.70% | 25.14% | 9.92% | 25.61% | 19.50% | 5 | 0.54% | Very High | 100 | 100 | Equity | Large & Mid Cap Fund |
SIPs are one of the most popular investment methods in use today. In this regard, the aforementioned funds have demonstrated strong performance over the years. This makes them excellent choices for investors looking to begin an SIP in mutual funds this year. However, remember to always consider your financial objectives, time horizon, and risk tolerance before making any investment decisions.
Planning on investing in mutual funds? Visit the easy to use Bajaj Broking website and explore over 4,000 mutual fund schemes. Use the mutual fund calculator and do not forget to compare mutual funds before investing.
A Systematic Investment Plan or SIP is a method of investment that lets you invest a fixed amount in mutual funds regularly. This helps to average the cost of purchase over time.
To pick the right mutual fund for your investment, consider your investment goals, risk tolerance, fund performance, expense ratio, and the fund manager's experience.
Yes, just like all other instruments of investment, SIPs too involve market risks. But regular investments can help average costs and reduce market and price volatility in the long run.
FD & The Power of Compounding
Make your money work hard with FD
Why choose Bajaj Finance Fixed Deposit
How to invest in mutual funds
Trusted by 50 million+ customers in India, Bajaj Finance App is a one-stop solution for all your financial needs and goals.
You can use the Bajaj Finance App to:
Download the Bajaj Finance App today and experience the convenience of managing your finances on one app.
Now request money from your friends and family and make instant payments.
