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Ranked

Best SIP Plans

Funds worth a monthly commitment, with minimum SIP amounts.

Updated 17 August 2026

Your numbers

₹500₹10,000₹10 L
112%30
115 years40
Maturity value
₹50,45,760
  • Invested36%
  • Returns64%
Total invested
₹18,00,000
Wealth gained
₹32,45,760
Return multiple
2.80x
Growth over time
₹0₹13.2 L₹26.5 L₹39.7 L₹53 LYr 1Yr 3Yr 5Yr 7Yr 9Yr 11Yr 13Yr 15
ValueAmount you put in

What this means.Returns are compounded, not guaranteed. Equity funds have delivered roughly 11–13% a year over long periods, but individual 3-year stretches have been negative. Equity gains above ₹1.25 lakh a year are taxed at 12.5% if held over a year.

Questions

How do you decide what makes this best sip plans list?

Every product is scored on the same fields — effective return, total cost including fees and GST, benefits, and how obtainable it actually is. The weights are published on our methodology page, and the score is computed, not assigned by an editor.

How often is this page updated?

Rate tables are refreshed weekly, and immediately after an RBI policy change or a Budget announcement. Every figure on the page carries the date it was captured and a link to its source, so you can always see how current it is.

Does Credsir get paid to rank products here?

No. We earn from partner links and advertising, but rankings come from a published scoring formula that runs identically on every product, whether we earn from it or not. Products we make nothing from appear in these lists whenever they win on the numbers.

Are these the rates I will actually be offered?

Advertised rates are the best case, reserved for applicants with a high credit score, stable income and a favourable profile. Your offer depends on your credit score, employer, income and existing obligations. Treat published rates as the floor, not the quote.

Related reading

Worth knowing.Rates, fees and terms change frequently and vary by applicant. Everything here is general information, not personalised advice. Confirm the current terms directly with the institution before you apply. How we research and rate.