Investor Education
Best SIP Plan for 10 Years - Top 15 SIP Mutual Funds to Invest in 2025
Are you planning to invest in the best SIP plan for 10 years? Confused about which mutual funds to invest for 10 years? Are you looking for the perfect way to make your money grow over the next 10 years? Well, you're on the right page because we're about to dive you into the world of the best SIP plan for 10 years.
By the time you're done reading, you'll practically be a SIP expert. You'll know the Best SIP Plans that lots of people love. These plans are the core of the mutual fund universe. Plus, we'll hook you up with a roadmap to pick the best 15 year SIP plan that suits you. Ready to make your money work for you? Let's dive in!
15 Best SIP Plans for 10 Years in India to Invest in 2025
1.) Best SIP Plans for 10 Years in Equity
One of the finest mutual fund investments for the stocks of companies is an equity fund. Given below are the best investment plans for 10 years which will help you grow your finances.
| Fund Name | 10 Year Return (%) | Total Investment 1000/Month | Total Return |
| Mirae Asset Large Cap Fund | 14.07% | ₹1,20,000 | ₹2,50,228 |
| ICICI Prudential Bluechip Fund | 14.68% | ₹1,20,000 | ₹2,58,542 |
| HDFC Small Cap Fund | 19.25% | ₹1,20,000 | ₹3,30,643 |
| DSP Small Cap Fund | 19.76% | ₹1,20,000 | ₹3,39,876 |
| ICICI Prudential MidCap | 16.70% | ₹1,20,000 | ₹2,88,177 |
2.) Best SIP plans for 10 years In Debt funds
Debt funds spend money on regular-income securities, which include corporate, government, and different debt gadgets like debentures.
| Fund Name | 10-year return (%) | Total Investment 1000/Month | Total Return |
| Aditya Birla Sun Life Government Securities Fund | 8.41% | ₹1,20,000 | ₹1,85,236 |
| ICICI Prudential Gilt Fund | 8.38% | ₹1,20,000 | ₹1,84,943 |
| HDFC Dynamic Debt Fund | 6.75% | ₹1,20,000 | ₹1,69,784 |
| HDFC Income Fund | 6.41% | ₹1,20,000 | ₹,166,794 |
| Aditya Birla Sun Life Banking and PSU Debt Fund | 7.71% | ₹1,20,000 | ₹1,78,542 |
3.) Best SIP Plans for 10 Years In Hybrid Funds
A balanced mutual fund, commonly known as a hybrid mutual fund, places coins right into a mixture of debt and equity securities. Depending on the technique of the fund, the allocation modifications is :
| Fund Name | 10-year return (%) | Total Investment 1000/Month | Total Return |
| Aditya Birla Sun Life Equity Hybrid 95 Fund | 11.43% | ₹1,20,000 | ₹2,17,341 |
| HDFC Hybrid Equity Fund | 12.91% | ₹1,20,000 | ₹2,35,178 |
| HDFC Balanced Advantage Fund | 14.33% | ₹1,20,000 | ₹2,53,738 |
| Nippon Balanced Advantage Fund | 10.83% | ₹1,20,000 | ₹2,10,521 |
| ICICI Prudential Multi-Asset Fund | 14.78% | ₹1,20,000 | ₹2,59,933 |
| Best SIP Plans for 3 Year | Best SIP Plans for 1 Year |
| Best SIP Plan for 5 Years | Best SIP Plan for 20 Year |
Best SIP Plans for 10 Years in Equity
1. Mirae Asset Large Cap Fund
Mirae Asset Large Cap Fund is an open-ended best-equity mutual fund that primarily invests in large-cap stocks. This fund has remained the best SIP plan for 10 years with a track record of being the best-performing fund.
- Fund House: Mirae Asset Mutual Fund
- Scheme type: Open-ended scheme
- Fund manager: Neelesh Surana
- Expense ratio:
- Direct plan: 0.53%
- Regular plan: 1.51%
- Minimum investment amount: Rs. 500
- NAV as of October 23, 2024: Rs. 108.7970
- Returns:
| Year | Return |
| Since inception | 15.24% |
| 1 year | 25.31% |
| 3 year | 10.24% |
| 5 year | 16.10% |
| 10 year | 14.07% |
2. ICICI Prudential Bluechip Fund
ICICI Prudential Bluechip Fund is an open-ended best equity mutual fund that basically invests in large-cap stocks. This fund is the best SIP plan for 10 years as it provides high returns and a diversified portfolio.
- Fund House: ICICI Pru Mutual Fund
- Scheme type: Open-ended equity scheme
- Fund manager: Manish Gunwani
- Expense ratio: 1.00%
- Minimum investment amount: Rs. 500
- NAV as of October 23, 2024: Rs. 107.27
- Returns:
| Year | Return |
| Since inception | 15.17% |
| 1 year | 35.62% |
| 3 year | 16.98% |
| 5 year | 20.30% |
| 10 year | 14.68% |
3. HDFC Small Cap Fund
Video: https://www.youtube.com/embed/yV7tGrxeKsM?si=SlFRwb11w43snEzX
HDFC Small Cap Fund is an open-ended best equity mutual fund that allows an investor to invest in small cap stocks. This fund has remained the best mutual fund for 10 years, as it has provided the best returns over the past 10 years.
- Fund House: HDFC Mutual Fund
- Scheme type: Open-ended equity scheme
- Fund manager: Chirag Setalvad
- Expense ratio: 1.57%
- Minimum investment amount: Rs. 500
- NAV as of October 23, 2024: Rs. 134.98
- Returns:
| Year | Return |
| Since inception | 17.52% |
| 1 year | 26.92% |
| 3 year | 22.48% |
| 5 year | 28.22% |
| 10 year | 19.25% |
4. DSP Small Cap Fund
This fund has outperformed its benchmark index, the S&P BSE SmallCap Total Return Index, over multiple time periods.
- Fund House: DSP Mutual Fund
- Scheme type: Open-ended equity scheme
- Fund manager: Shashank Khaitan
- Expense ratio: 1.71%
- Minimum investment amount: Rs. 500
- NAV as of October 23, 2024: Rs. 193.72
- Returns:
| Year | Return |
| Since inception | 20.97% |
| 1 year | 26.92% |
| 3 year | 21.83% |
| 5 year | 30.55% |
| 10 year | 19.76% |
5. ICICI Prudential MidCap Fund
These funds are the most suitable funds for those who want to invest diversifically and for a longer duration of time. Over the last ten years, the fund has provided the best sip plan for 10 years.
- Fund House: ICICI Prudential Mutual Fund
- Scheme type: Open-ended equity scheme
- Fund manager: Prashant Prabhakar
- Expense ratio: 1.86%
- Minimum investment amount: Rs. 500
- NAV as of October 23, 2024: Rs. 283.00
- Returns:
| Year | Return |
| Since inception | 16.90% |
| 1 year | 46.92% |
| 3 year | 19.69% |
| 5 year | 25.22% |
| 10 year | 16.70% |
Best SIP Plans for 10 Years in Debt Funds
1. Aditya Birla Sun Life Government Securities Fund
An open-ended debt mutual fund that allows you to invest in government securities. Investors who have a low-risk appetite with the potential to generate the best returns may consider Aditya Birla Sun Life Government Securities Fund.
- Scheme type: Open-ended debt scheme
- Fund manager: Mahendra Jajoo
- Expense ratio: 1.14%
- Minimum investment amount: Rs. 500
- NAV as of October 23, 2024: Rs. 77.82
- Returns:
| Year | Return |
| Since inception | 8.27% |
| 1 year | 10.94% |
| 3 year | 5.87% |
| 5 year | 6.65% |
| 10 year | 8.41% |
Read More about:- Aditya Birla Investment plan
2. ICICI Prudential Gilt Fund
ICICI Prudential Gilt Fund is an open-ended best debt mutual fund that allows you to invest in government securities. This has always outperformed its benchmark index, the CRISIL Gilt Index, over multiple time periods and remained the best mutual fund for 10 years.
- Scheme type: Open-ended debt scheme
- Fund manager: R. Sivakumar
- Expense ratio:1.09%
- Minimum investment amount: Rs. 500
- NAV as of October 23, 2024: Rs. 96.89
- Returns:
| Year | Return |
| Since inception | 8.26% |
| 1 year | 8.52% |
| 3 year | 6.37% |
| 5 year | 7.35% |
| 10 year | 8.38% |
3. HDFC Dynamic Debt Fund
HDFC Dynamic Debt Fund is an open-ended dynamic bond mutual fund that invests in a variety of debt and money market instruments across various securities. A dynamic fund which has provided the best returns and best sip plan for 10 years.
- Fund House: HDFC Mutual Fund
- Category: Dynamic Bond Fund
- Expense Ratio: 1.55%
- NAV as of October 23, 2024: Rs. 85.57
- Benchmark: CRISIL Dynamic Bond B-III Index
- Returns:
| Year | Return |
| Since inception | 6.88% |
| 1 year | 9.82% |
| 3 year | 5.44% |
| 5 year | 6.77% |
| 10 year | 6.75% |
4. HDFC Income Fund
HDFC Income Fund is an open-ended debt mutual fund that invests predominantly in debt and money market instruments with a focus on generating income. This fund has a track record of consistent performance for a long duration. This has been the best sip plan for 10 years and has outperformed its benchmark index, the CRISIL Composite Bond Index, over multiple time periods.
- Fund Name: HDFC Income Fund (IDCW)
- Fund Category: India Fund Medium to Long Duration
- NAV as of October 23, 2024: 55.24
- Expense Ratio: 1.39%
- Risk: Medium-High
- Returns:
| Year | Return |
| Since inception | 6.56% |
| 1 year | 10.22% |
| 3 year | 5.08% |
| 5 year | 5.49% |
| 10 year | 6.41% |
5. Aditya Birla Sun Life Banking and PSU Debt Fund
Aditya Birla Sun Life Banking and PSU Debt Fund is an open-ended best-debt mutual fund that invests majorly in debt and money market instruments issued by banks, public sector undertakings (PSUs), and public financial institutions.
- Fund Name: Aditya Birla Sun Life Banking & PSU Debt Fund
- Fund Category: India Fund Banking & PSU
- Inception Date: May 9, 2008,
- NAV as of October 23, 2024: 346.67
- Expense Ratio: 0.73%
- Returns:
| Year | Return |
| Since inception | 8.13% |
| 1 year | 8.17% |
| 3 year | 5.86% |
| 5 year | 6.57% |
| 10 year | 7.71% |
Best SIP Plans for 10 Years In Hybrid Funds
1. Aditya Birla Sun Life Equity Hybrid 95 Fund
Aditya Birla Sun Life Equity Hybrid 95 Fund, it is the best hybrid mutual fund which invests predominantly in equity and equity-related instruments. This hybrid fund provides the best sip plan for 10 years and a return of about 18.22% return since inception.
- Fund Name: Aditya Birla Sun Life Equity Hybrid 95 Fund
- Fund Category: India Fund Aggressive Allocation
- Inception Date: February 10, 1995,
- NAV as of October 23, 2024: 1,481.12
- Expense Ratio: 1.84%
- Returns:
| Year | Return |
| Since inception | 15.26% |
| 1 year | 26.49% |
| 3 year | 10.61% |
| 5 year | 14.63% |
| 10 year | 11.43% |
2. HDFC Hybrid Equity Fund
Video: https://www.youtube.com/embed/GOP0Ax20K8g?si=QBQC52bl9sogwdoQ
HDFC Hybrid Equity Fund is an open-ended aggressive hybrid mutual fund that invests in a mix of equity and debt securities. This Fund has been the best mutual fund for 10 years. Not only this but also a fund which has outperformed its benchmark index, the Nifty Hybrid Index, over multiple time periods.
- AMC Name: HDFC Mutual Fund
- Fund Category: India Fund Hybrid Equity Investment
- Inception Date: September 11, 2000,
- NAV as of October 23, 2024: 113.70
- Expense Ratio: 1.68%
- Returns:
| Year | Return |
| Since inception | 14.70% |
| 1 year | 20.38% |
| 3 year | 12.10% |
| 5 year | 16.36% |
| 10 year | 12.91% |
3. HDFC Balanced Advantage Fund
Video: https://www.youtube.com/embed/Pv-0cJSM6Ko?si=zLyXHX8Cb59EB6Ps
HDFC Balanced Advantage Fund is an open-ended best dynamic asset allocation fund that invests in a mix of equity and debt securities. It is the best fund for those who are looking for a long-term investment in a diversified portfolio of equity and debt securities. The fund manager dynamically adjusts the asset allocation based on market conditions. This fund has given exceptional returns and is considered best sip plan for 10 years
- Fund Name: HDFC Balanced Advantage Fund
- Fund Category: India Fund Balanced Hybrid
- Inception Date: September 11, 2000
- NAV as of October 23, 2024: 501.88
- Expense Ratio: 1.35%
- Risk: Moderate-High
- Returns:
| Year | Return |
| Since inception | 17.95% |
| 1 year | 30.58% |
| 3 year | 20.69% |
| 5 year | 21.05% |
| 10 year | 14.33% |
4. Nippon Balanced Advantage Fund
Nippon Balanced Advantage Fund is an open-ended dynamic asset allocation fund that invests in a mix of equity and debt securities. This fund has been the best mutual fund for 10 years to invest and generate exceptional returns.
- Fund Name: Nippon Balanced Advantage Fund
- Fund Category: India Fund Dynamic Asset Allocation
- Inception Date: June 16, 2000
- NAV as of October 23, 2024: 169.93
- Expense Ratio: 1.74%
- Returns:
| Year | Return |
| Since inception | 11.56% |
| 1 year | 22.60% |
| 3 year | 11.43% |
| 5 year | 13.25% |
| 10 year | 10.83% |
5. ICICI Prudential Multi-Asset Fund
ICICI Prudential Multi-Asset Fund is an open-ended hybrid mutual fund that invests in a mix of equity, debt, and gold. ICICI Prudential Multi-Asset Fund has a track record of consistent performance over the long term.
- Fund Name: ICICI Prudential Multi-Asset Fund
- Fund Category: India Fund Multi Asset Allocation
- Inception Date: October 31, 2002
- NAV as of October 23, 2024: 711.14
- Expense Ratio: 1.48%
- Returns:
| Year | Return |
| Since inception | 19.23% |
| 1 year | 28.64% |
| 3 year | 19.14% |
| 5 year | 21.73% |
| 10 year | 14.78% |
How to select the best SIP fund for 10 Year risk tolerance?
With respect to your account, your investment horizon, and risk tolerance. A mutual fund needs to be appropriate if you can manipulate extra volatility and function with an extended investment horizon.
- Goals: Align the elegance of investments with your monetary targets. An equity mutual fund can be properly aligned for the growth and accumulation of wealth. The debt mutual fund may be especially appropriate for stability and consistent earnings.
- Diversification: The integrated variety is a characteristic of hybrid funds. Hybrids are a possible desire in case you want publicity for each debt and proportion at the same time as no longer having to control fantastic funds.
- Market Outlook: Your appraisal of the state of the marketplace may additionally have an impact on your choice. The fairness charge variety can also be carried out properly in optimistic markets, while the debt finances can be extra ideal at the same time because the market is unsure.
Keep in mind that spreading out your investment portfolio among several asset types might also help reduce risks. Before making any investment selections, it's far better to speak with a financial counsellor to ensure your chosen SIP elegance suits collectively with your particular monetary conditions and dreams. To know about your portfolio or be pressured about which mutual fund to pick out, Step into the best mutual fund app, i.e., Zfunds, which offers WhatsApp assistance and helps you find the best mutual fund to invest in 2025.
Benefits of Investing in an SIP for 10 Years
Despite modifications in financial and economic conditions, investing in an SIP (systematic funding plan) remains a possible and right possibility in 2024 for some reasons.
Here are some of the key benefits of SIP plan for 10 years:
- Rupee Cost Averaging: SIP entails making consistent-amount investments every day, monthly, every 12 months, or every 10 years. By purchasing more devices at the same time as charges are low and fewer devices while fees are high, this tactic lets you regularly lower the not-unusual fee consistent with the unit.
- Discipline in investing: This investment lets the investor scientifically spend money. This kind of funding creates a dependency on investing regularly, which permits one to broaden a brighter destiny.
- Effects of Compounding: After ten years, the energy of compounding starts to conform and emerge as apparent. Your property might probably increase exponentially as it expands because of the reality that the returns they offer may additionally, moreover, create greater returns.
- Accessibility and Flexibility: A lot of SIP plans for 10 years allow variable funding amounts. Depending on changes in your monetary situation, you may improve, decrease, or perhaps stop your SIP bills.
- Diversified Portfolio: The capability to diversify your portfolio for the duration of several marketplace cycles, asset training, and fund types is made feasible through SIPs. This diversification is probably to increase standard profits while at the same time reducing risk.
- Benefits of Tax: Under Section 80C of the Income Tax Act, positive SIP plans, collectively with Equity-Linked Savings Schemes (ELSS), provide tax benefits that allow you to save coins on taxes even as you invest. This fund, i.e., the ELSS mutual fund, is the best fund to invest in.
Faqs of Best sip plan for 10 years
Q. Which SIP gives the highest return in 10 years?SIPs in funds like Axis Long Term Equity Fund and ICICI Prudential Long Term Equity Fund have delivered some of the highest returns over the past decade. These funds have consistently outperformed many of their peers, making them attractive options for long-term investment.
Q. What is the SIP of 50000 per month for 10 years?Value of 50000 per month for 10 years would be :
If we invest Rs 50,000 monthly in a Systematic Investment Plan For 5 years: 5 years SIP of Rs 50000 monthly = Rs 42 lakh.
10-year SIP of Rs 50000 monthly = Rs 1.1 crore.
Q. What happens if I invest 15000 a month in SIP for 10 years?If you are investing 15000 a month in SIP for 10 years, then you are investing about 18 lakhs but in return you are getting around 35-36 lakhs.
Q. Which SIP is best for the last 10 years?
Axis Long Term Equity Fund and ICICI Prudential Long Term Equity Fund, which have consistently delivered strong returns and are considered among the best for a 10-year investment horizon.
Q. Is it good to invest in SIP for 10 years?
Yes, investing in SIPs for 10 years is generally considered a good strategy. SIPs benefit from the power of compounding and rupee cost averaging, which can lead to substantial wealth accumulation over a long period. A 10-year investment horizon allows investors to ride out market volatility and maximize potential returns.
Q. Which fund is best for 10 years?
For a 10-year investment period, funds such as Axis Long Term Equity Fund and ICICI Prudential Long Term Equity Fund are recommended. They have demonstrated strong performance over the long term, providing significant returns and aligning well with long-term investment goals.