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Get Personalized Recommendations for the Best SIP Plan for 3 Years
Do you also wish to invest in SIP plans for 3 years? Are you looking for a mutual funds for 3 years? Well, you're in luck! We've done the research, and we've got the lowdown on the top SIP plans for 3 years.
These SIP plans can help you make some serious gains. It could assist you in picking out which mutual funds are exceptional for you and which fund to select. SIP Plan for 3 years offers you an extensive variety of benefits and the best returns. So why wait to see the funds listed below and begin investing today?
Best SIP Plan for 3 years in Equity Fund
An equity fund is one of the best mutual fund investments within the stocks of corporations. These equities may be huge, midsize, tiny, or region-specific. An equity fund is said to be the best fund for Daily SIP investments. Many fund managers recommend equity funds as the best mutual funds to invest in 2024.
| Fund Name | 3 Years | Total Investment (1000/pm) | Total Return |
| Quant Small Cap Fund | 41.77% | ₹36000 | ₹54,748 |
| Quant Infrastructure Fund | 38.37% | ₹36000 | ₹54,748 |
| Nippon India Small Cap Fund | 41.97% | ₹36000 | ₹39,222 |
| HDFC Small Cap Fund Growth | 38.16% | ₹36000 | ₹43076 |
| Quant Tax Plan Growth | 31.72% | ₹36000 | ₹47,368 |
Best SIP Plan for 3 years in Debt Funds
Debt funds invest in consistent-income securities, which consist of company, government, and other debt gadgets like debentures. To invest in the best debt funds for 3 years you can study the funds given below:
| Fund Name | 3- Yr Return | Total Investment (1000/pm) | Total Return |
| ICICI Prudential Banking & PSU Debt Fund | 5% | ₹36000 | ₹39,341 |
| DSP Banking & PSU Debt Fund | 4% | ₹36000 | ₹38,676 |
| Nippon India Corporate Bond Fund | 5% | ₹36000 | ₹39,222 |
| Invesco India Credit Risk Fund | 5% | ₹36000 | ₹40,855 |
| Aditya Birla Sun Life Credit Risk Fund | 7% | ₹36000 | ₹40,492 |
Best SIP Plan for 3 years in Hybrid Funds
A balanced mutual fund, normally known as a hybrid mutual fund, places cash into a mixture of debt and equity securities. Depending on the approach of the fund, the allocation modifications, investment horizon here we have listed some of the hybrid funds which are the best funds to invest in for 3 years.
| Fund Name | 3 Years | Total Investment (1000/pm) | Total Return |
| ICICI Pru Equity and Debt Fund | 30% | ₹36000 | ₹36,000 |
| Kotak Equity Hybrid Growth | 19% | ₹36000 | ₹43,214 |
| Edelweiss Aggressive Hybrid Fund - Growth | 20% | ₹36000 | ₹44,324 |
| HDFC Hybrid Equity Fund | 20% | ₹36000 | ₹43,067 |
| DSP Equity & Bond Fund Growth | 16% | ₹36000 | ₹42,418 |
Best SIP Plan for 3 years in Index Funds
Index funds are those which particularly invest in the indices of a fund, which can be said as the particular index of any fund. To know about best SIP for 3 years here we have listed a bunch of funds:
| Fund Name | 3 Years | Total Investment (1000/pm) | Total Return |
| UTI Nifty 50 Index Fund Regular Plan-Growth | 19.28% | ₹36000 | ₹41,759 |
| Bandhan Nifty 50 Index Fund Growth | 18.85% | ₹36000 | ₹41,885 |
| ICICI Prudential Nifty 50 Index Plan Regular Growth | 14.87% | ₹36000 | ₹41,659 |
| HDFC Nifty 50 Index fund | 19.35% | ₹36000 | ₹41,674 |
| Tata Nifty 50 Index Fund | 19.07% | ₹36000 | ₹41,812 |
Top 5 SIP Plans for 3 years in Equity Fund
1. Quant Small Cap Fund
Quant small-cap fund invests primarily in small-cap companies, which are stocks of organizations with a market capitalization of less than ₹5000 crore. Quant Small Cap Fund Growth has the best record of performance, outperforming its benchmark index and category average over maximum time durations.
It is one of the best Small Cap fund to spend money on and gets quality returns of more than 28.34% in line within a year. This sip plan for 3 years is best for those who want to invest for a long horizon and have a bit of knowledge as small-cap risk is volatile.
| Current NAV | Fund Size | Expense Ratio |
| ₹175.04 | ₹9,089.12 crore | 0.77% |
Watch Here: Quant Small Cap Fund |
2. Quant Infrastructure Fund Growth
Quant Infrastructure fund growth invests basically in infrastructure stocks that have shares of companies that are performing in the infrastructure zone.
Quant Infrastructure Fund Growth has a good track of overall performance, outperforming its benchmark index and category average over most periods. The mutual fund plan for 3 years is suitable for investors who are looking for long-term capital appreciation and is comfortable with infrastructure sector risks.
| Current NAV | Fund Size | Expense Ratio |
| ₹25.06 | ₹980.29 crore | 0.77% |
3. Nippon India Small Cap Fund
Nippon India Mutual Fund offers Nippon India Small Cap Fund that allows investors to invest in small-cap stocks, which are stocks of companies with a market capitalization of less than ₹5000 crore.
Nippon India Small Cap Fund - Growth has a good track record of performance, outperforming its benchmark index and category average over most periods.
| Current NAV | Fund Size | Expense Ratio |
| ₹119.80 | ₹37,374.40 crore | 0.75% |
Watch Here: Nippon India Small Cap Fund |
4. Quant Tax Plan-Growth
Quant Tax Plan-Growth fund lets investors spend money on a well-diversified portfolio of equity stocks with increased capacity. It is an equity-related savings scheme (ELSS), which means that investments inside the fund are eligible for tax deduction below Section 80C of the Income Tax Act, 1961.
The main aim of this sip plan for 3 years is to generate capital appreciation by investing primarily in a well-diversified portfolio of equity shares with growth potential. This fund is the best Tax Saver ELSS Fund suited for long-term investment goals (ideally 5 years or more) due to the volatile nature of the equity market.
| Current NAV | Fund Size | Expense Ratio |
| ₹265.46 | ₹4924.99 crore | 1.85% |
Top 5 SIP Plans for 3 years in (Debt Fund)
Debt funds are less volatile and can generate a huge amount. Here is a list of the best debt funds to invest in, take a look and start investing in the best sip plans for 3 years.
1. ICICI Prudential Banking & PSU Debt Fund - Growth Fund
ICICI Prudential Banking & PSU Debt Fund - Growth Fund is one of the best sip plans for 3 years that allows you to invest in debt securities issued by banks and public sector undertakings (PSUs). It is a low-risk portfolio, which means it is suitable for investors who want to preserve their capital and earn regular income.
It includes an open-ended portfolio that invests in debt instruments held by banks, public sector undertakings (PSUs) , and public finance primarily provided by internal institutions (PFIs).ICICI Prudential Banking & PSU Debt Fund - Growth Fund is a good option for risk-averse investors seeking stable income and capital preservation.
| Current NAV | Fund Size | Expense Ratio |
| ₹29.7219 | ₹8,301.76 crore | 0.39% |
2. DSP Banking & PSU Debt Fund - Regular Plan-Growth
DSP Banking & PSU Debt Fund - Regular Plan - Growth fund allows you to invest in debt securities issued by banks and public sector undertakings (PSUs). It is a low-risk portfolio, which means it is suitable for investors looking to preserve their capital and generate regular income.
It is an open-ended debt mutual fund for 3 years that invests in quality portfolios and money market securities mainly issued by banks and public sector undertakings (PSU/PSEs).It is suitable for investors who have Moderate risk requirements with a focus on income and capital preservation.
| Current NAV | Fund Size | Expense Ratio |
| ₹10.14 | ₹2561.94 crore | 0.57% |
3. Nippon India Corporate Bond Fund - Growth
Nippon India Corporate Bond Fund allows investors to invest in corporate bonds, which are debt securities issued by companies. Corporate bonds are generally riskier than government bonds, but they also offer higher yields.
Nippon India Corporate Bond Fund - Growth on good performance record, above its benchmark index and category average for most of the period Nippon India Corporate Bond Fund is an open-ended debt fund that primarily invests in corporate bonds issued by various companies in different industries.
| Current NAV | Fund Size | Expense Ratio |
| ₹51.99 | ₹2458.21 crore | 0.67% |
4. Invesco India Credit Risk Fund - Regular Plan-Growth
The Invesco India Credit Risk Fund may invest in credit risk-related securities, which are debt securities that are highly sensitive to changes in interest rates and credit characteristics. This sip plan for 3 years has outperformed its benchmark index and category average, not only being the best fund to invest in debt funds but also a tolerable risk.
This sip plan for 3 years is a debt fund open source that offers loans of varying terms. Invests in debt securities across the spectrum, with a focus on high-yield instruments This fund is suitable for investors with a high risk tolerance due to its focus on corporate bonds whose value because of the lower-rated corporate bonds.
| Current NAV | Fund Size | Expense Ratio |
| ₹1,668.70 | ₹6,104.23 crore | 1.75% |
5. Aditya Birla Sun Life Credit Risk Fund - Regular Plan-Growth
Aditya Birla Mutual Fund offers Aditya Birla Sun Life Credit Risk Fund. It is one of the best sip plans for 3 years that allows you to invest in the credit risk of credit securities, which are highly sensitive to changes in loan and security interest rates and credit quality Aditya Birla Sun Life Credit Risk Fund - Permanent Policy - The excellent growth performance of this sip has a record, which has outperformed its benchmark index and category average over most periods The fund is an open-ended debt fund that invests in corporate debt securities with short to medium duration in loans in the investments primarily.
| Current NAV | Fund Size | Expense Ratio |
| ₹18.10 | ₹1001.84 crore | 1.57% |
| Aditya Birla Investment Plans
Top 5 SIP Plans for 3 years in (Hybrid Fund)
Hybrid mutual funds, are the only mutual fund that allows you to invest diversfically across many funds. Also, you can invest in debt and equity in any type of fund. This sip plan for 3 years can be said as a blend of equity and debt funds. So here is the list of best sip plan for 3 years given below:
1. ICICI Prudential Equity & Debt Fund - Growth
ICICI Prudential Equity & Debt Fund Growth fund primarily invests in equity and debt securities, with a current ratio of 67.39% for equity and 25.98% for debt It is an aggressive hybrid fund, which means it is suitable for willing investors who risk more to earn higher returns.
He invests 65-80% of his assets in market funds (large, mid, small) and the remaining 20-35% in bonds and money market instruments. This sip plan for 3 years is suitable for investors with moderate risk tolerance low and high dividends. A balance between credit stability and debt is required.
| Current NAV | Fund Size | Expense Ratio |
| ₹277.21 | ₹26,324.58 crore | 1.11% |
2.. Kotak Equity Hybrid Fund - Growth
Kotak Equity Hybrid Fund Growth Fund primarily invests in equity and equity-linked instruments, with a current allocation ratio of 65% for equity and 35% for debt. This sip plan for 3 years is designed to provide long-term capital appreciation through investments equity in particular with a minority stake providing debt security protection for income and stability.
This mutual fund for 3 years is suitable for investors who have a medium to high risk tolerance and want to balance equity growth potential with credit stability.
| Current NAV | Fund Size | Expense Ratio |
| ₹45.80 | ₹4,266.69 crore | 1.84% |
3. Edelweiss Aggressive Hybrid Fund - Growth
Edelweiss mutual fund Offers Edelweiss Aggressive Hybrid Fund Growth Fund can invest in equity-equity instruments, with current allocation ratios of 65-80% for equity and 20-35% for debt Edelweiss Aggressive hybrid mutual fund targeting long-term capital appreciation and current income through investments in debt and money market securities equities and related instruments.
This mutual funds plans for 3 years is suitable for investors who have a high incremental risk tolerance and seek capital appreciation through exposure to investments with the potential to generate equity.
| Current NAV | Fund Size | Expense Ratio |
| ₹51.49 | ₹904.21 crore | 0.57% |
4. HDFC Hybrid Equity Fund - Regular Plan-Growth
The HDFC Hybrid Equity Fund provides capital appreciation by investing in both equity and debt instruments. The fund aims to invest 65%-80% in equity-equity instruments and 20%-35% in debt instruments. This sip plan for 3 years primarily invests in equities with less leveraged debt instruments to raise and stabilize capital.
This HDFC Mutual fund is suitable for investors who have a high incremental risk tolerance and seek capital appreciation through exposure to investments with the potential to generate equity. Also those with at least 5 years to invest to deal with possible market fluctuations
| Current NAV | Fund Size | Expense Ratio |
| ₹92.407 | ₹21,192.41crore | 1.710% |
5. DSP Equity & Bond Fund Growth
DSP EQUITY & Bond Fund generates capital appreciation and income by investing in a mix of equity and debt instruments. This fund aims to invest 75%-90% in equity and equity-related instruments and 10%-25% in debt instruments.
- NAV: ₹261.13
- Expense Ratio: 1.790%
Top 5 SIP Plans for 3 years in (Index Fund)
Index mutual funds, these mutual funds invest in a particular index. These funds invest specifically in a particular index of a fund. To know more about the index funds and which fund is the best fund to invest in for 3 years. So here is the list of best index funds 2024 given below:
1. UTI Nifty 50 Index Fund Regular Plan-Growth
UTI Nifty 50 Index Fund Permanent Policy Development aims to track performance by investing at least 80% of Nifty 50 Index assets in index components. This sip plan for 3 years is passively managed, which means it is a copy of its benchmark index portfolio. UTI Nifty 50 Index Fund Permanent Plan Growth is an open-ended mutual fund that passively tracks the Nifty 50 Index.
The fund is suitable for investors with moderate risk tolerance and seeking long-term capital appreciation through exposure to the Indian stock market.
| Current NAV | Fund Size | Expense Ratio |
| ₹129.44 | ₹12596.83crore | 0.41% |
2. Bandhan Nifty 50 Index Fund Growth
Bandhan Nifty 50 Index Fund The Growth Fund aims to track performance by investing at least 80% of Nifty 50 Index assets in index components.The sip plan is managed passively, meaning it is a copy of its benchmark index portfolio. It is an open-ended fund that passively tracks the Nifty 50 index. It is suitable for investors who have moderate risk tolerance and want to appreciate their long-term capital through exposure to the Indian stock market.
| Current NAV | Fund Size | Expense Ratio |
| ₹40.80 | ₹929.37 crore | 0.6% |
3. ICICI Prudential Nifty 50 Index Plan Regular Growth
The ICICI Prudential Nifty 50 Index Plan Regular Growth fund aims to track the performance of the Nifty 50 index by investing at least 80% of its assets in the various components of the index. The fund is managed passively, meaning it is a copy of its benchmark index portfolio.
This sip plan for 3 years aims to passively track the Nifty 50 index, which leverages the top 50 Indian companies through market capitalization.This sip for 3 years is suitable for investors with a tolerance for risk moderation and who want long-term capital appreciation through exposure to the Indian stock market.
The fund is passively managed, which means that it replicates the portfolio of its benchmark index.
| Current NAV | Fund Size | Expense Ratio |
| ₹191.08 | ₹4930.06 crore | 0.43% |
4. HDFC Nifty 50 Index fund
HDFC Nifty 50 Index fund pursues to song the overall performance of the Nifty 50 Index through investing at least 80% of its belongings in the index components. The fund is passively controlled, which means that it outperforms the portfolio of its benchmark index.
This sip for 3 years is an open-ended equity mutual fund that invests in stocks that record the Nifty 50 index. This is the best option for long-term investors seeking extensive marketplace exposure to massive massive caps with low charges.
| Current NAV | Fund Size | Expense Ratio |
| ₹179.81 | ₹9828 crore | 0.35% |
5. Tata Nifty 50 Index Fund
Tata Nifty 50 Index Fund pursues to song the performance of the Nifty 50 Index via investing at least 80% of its property within the index ingredients. The fund is passively managed, this means that it replicates the portfolio of its benchmark index.
The objectives of this sip for 3 years are to provide medium to long-term capital profits by replicating the performance of the Nifty 50 index through investments within the constituent corporations in the same share. The fund is suitable for lengthy-term buyers seeking low-value diversification with market-related returns. Also, it's miles fine funding alternative for slight chance-takers, comfortable with market fluctuations.
| Current NAV | Fund Size | Expense Ratio |
| ₹126.96 | ₹495.45crore | 0.35% |
Watch Here: Tata Nifty 50 Index Fund |
How to select the best SIP plan for 3 years for risk tolerance:
Take into consideration your investment horizon and chance tolerance. An equity mutual fund can be appropriate if you can control extra volatility and feature a longer investment horizon.
- Goals: Align the class of investments with your financial objectives. An equity mutual fund may be properly aligned for the growth and accumulation of wealth. The debt mutual fund range can be especially appropriate for balance and constant income.
- Diversification: The built-in range is a characteristic of hybrid funds. Hybrids are a likely desire in case you want exposure to each debt and share while not having to control exceptional funds.
- Market Outlook: Your appraisal of the state of the market may additionally affect your selection. The fairness fee variety can also perform properly in constructive markets, while the debt budget may be extra perfect at the same time as the market is uncertain.
- Performance Analysis: Historical Returns and Consistency
Keep in mind that spreading out your investment portfolio amongst several asset types may help reduce hazards. Before making any investment selections, it is an excellent concept to talk with a financial counselor to ensure your selected SIP class fits collectively with your unique economic conditions and desires. To know about your portfolio or be confused about which mutual fund to choose, step into the best mutual fund app, i.e., Zfunds, which offers WhatsApp assistance and suggests the best mutual fund to invest in 2023-2024.
When comparing the overall performance and suitability of investment options, including mutual funds, especially while thinking about SIP (systematic funding plan) investments, it's far more critical to analyze past returns over three years.
Faqs:
Q. Which SIP is best for 3 years?Pure Stock Fund Bajaj Allianz fund’s SIP is best for 3 years.
Q. Can I invest in SIP for 3 years?You may achieve your long-term financial objectives by investing in the top SIP plans for three years.
Q. Which SIP is best for 3 to 5 years?Frontline Equity Fund Aditya Birla Sun Life, Bluechip Fund ICICI Prudential are best SIP mutual fund for 3 to 5 years.
Q. Which SBI SIP is best for 3 years?SBI Infrastructure Fund SIP is best for 3 years.