The below table shows a list of the Top Performing SIPs for 10 Years – Best SIP Funds based on AUM, NAV, and minimum SIP.
| Name | AUM (Cr) | NAV (Rs) | Minimum SIP (Rs) |
| HDFC Balanced Advantage Fund | 95391.46 | 547.02 | 100 |
| Parag Parikh Flexi Cap Fund | 78490.29 | 85.28 | 3000 |
| HDFC Mid-Cap Opportunities Fund | 75296.23 | 205.35 | 100 |
| SBI Equity Hybrid Fund | 73077.97 | 305.72 | 5000 |
| SBI Liquid Fund | 68877.19 | 3887.35 | 12000 |
| ICICI Pru Bluechip Fund | 64222.82 | 118.16 | 500 |
| HDFC Liquid Fund | 62050.71 | 4879.75 | 100 |
| HDFC Flexi Cap Fund | 61571.57 | 2021.51 | 100 |
| Nippon India Small Cap Fund | 60999.55 | 199.38 | 100 |
| ICICI Pru Balanced Advantage Fund | 60135.00 | 77.68 | 100 |
Table of Contents
Introduction to Top Mutual Fund For SIP 10 Years
HDFC Balanced Advantage Fund
HDFC Balanced Advantage Fund is a Dynamic Asset Allocation mutual fund scheme from HDFC Mutual Fund. This fund has been operational for 11 years and 7 months, having been launched on January 1, 2013.
HDFC Balanced Advantage Fund falls under the Balanced Advantage Fund category with an AUM of ₹95,391.46 crores, a 5-year CAGR of 23.16%, an exit load of 1%, and an expense ratio of 0.72%. The SEBI risk category is Very High. Its asset allocation includes 65.17% in Equity, 15.31% in Government Securities, 13.20% in Corporate Debt, 1.48% in Cash & Equivalents, 0.31% in REITs & InvIT, and 4.53% in Others.
Parag Parikh Flexi Cap Fund
Parag Parikh Flexi Cap Fund is a Flexi Cap mutual fund scheme from PPFAS Mutual Fund. This fund has been operational for 11 years and 2 months, having been launched on May 13, 2013.
Parag Parikh Flexi Cap Fund falls under the Flexi Cap Fund category with an AUM of ₹78,490.29 crores, a 5-year CAGR of 27.51%, an exit load of 2%, and an expense ratio of 0.63%. The SEBI risk category is Very High. Its asset allocation includes 84.77% in Equity, 11.24% in Cash & Equivalents, 0.48% in Certificate of Deposit, 0.04% in Treasury Bills, 0.02% in Rights, and 3.45% in Others.
HDFC Mid-Cap Opportunities Fund
HDFC Mid-Cap Opportunities Fund is a Mid Cap mutual fund scheme from HDFC Mutual Fund. This fund has been operational for 11 years and 7 months, having been launched on January 1, 2013.
HDFC Mid-Cap Opportunities Fund falls under the Mid Cap Fund category with an AUM of ₹75,296.23 crores, a 5-year CAGR of 31.86%, an exit load of 1%, and an expense ratio of 0.72%. The SEBI risk category is Very High. Its asset allocation includes 92.12% in Equity, 7.88% in Cash & Equivalents, and Others.
SBI Equity Hybrid Fund
SBI Equity Hybrid Fund is an Aggressive Hybrid mutual fund scheme from SBI Mutual Fund. This fund has been operational for 11 years and 8 months, having been launched on January 1, 2013.
SBI Equity Hybrid Fund falls under the Aggressive Hybrid Fund category with an AUM of ₹73,077.97 crores, a 5-year CAGR of 16.90%, an exit load of 1%, and an expense ratio of 0.73%. The SEBI risk category is Very High. Its asset allocation includes 72.63% in Equity, 11.62% in Government Securities, 9.06% in Corporate Debt, 3.77% in Cash & Equivalents, and 2.38% in Others.
SBI Liquid Fund
SBI Liquid Fund is a Liquid mutual fund scheme from SBI Mutual Fund. This fund has been operational for 11 years and 9 months, having been launched on January 1, 2013.
SBI Liquid Fund falls under the Liquid Fund category with an AUM of ₹68,877.19 crores, a 5-year CAGR of 5.27%, an exit load of 0.0055%, and an expense ratio of 0.19%. The SEBI risk category is Moderate. Its asset allocation includes 45.99% in Certificate of Deposit, 30.72% in Commercial Paper, 13.47% in Treasury Bills, 10.61% in Government Securities, and -1.32% in Corporate Debt.
ICICI Prudential Bluechip Fund
ICICI Prudential Bluechip Fund is a Large Cap mutual fund scheme from ICICI Prudential Mutual Fund. This fund has been operational for 11 years and 8 months, having been launched on January 1, 2013.
ICICI Prudential Bluechip Fund falls under the Large Cap Fund category with an AUM of ₹64,222.82 crores, a 5-year CAGR of 22.92%, an exit load of 1%, and an expense ratio of 0.87%. The SEBI risk category is Very High. Its asset allocation includes 89.06% in Equity, 9.32% in Cash & Equivalents, 1.21% in Rights, 0.41% in Treasury Bills, and Others.
HDFC Liquid Fund
HDFC Liquid Fund is a Liquid mutual fund scheme from HDFC Mutual Fund. This fund has been operational for 11 years and 9 months, having been launched on January 1, 2013.
HDFC Liquid Fund falls under the Liquid Fund category with an AUM of ₹62,050.71 crores, a 5-year CAGR of 5.24%, an exit load of 0.0065%, and an expense ratio of 0.20%. The SEBI risk category is Moderately Low. Its asset allocation includes 43.73% in Commercial Paper, 39.36% in Certificate of Deposit, 7.94% in Government Securities, 6.48% in Treasury Bills, and -1.51% in Corporate Debt.
HDFC Flexi Cap Fund
HDFC Flexi Cap Fund is a Flexi Cap mutual fund scheme from HDFC Mutual Fund. This fund has been operational for 11 years and 6 months, having been launched on January 1, 2013.
HDFC Flexi Cap Fund falls under the Flexi Cap Fund category with an AUM of ₹61,571.57 crores, a 5-year CAGR of 25.76%, an exit load of 1%, and an expense ratio of 0.76%. The SEBI risk category is Very High. Its asset allocation includes 84.77% in Equity, 11.24% in Cash & Equivalents, 0.48% in Certificate of Deposit, 0.04% in Treasury Bills, and 0.02% in Rights.
Nippon India Small Cap Fund
Nippon India Small Cap Fund is a Small Cap mutual fund scheme from Nippon India Mutual Fund. This fund has been operational for 11 years and 9 months, having been launched on December 31, 2012.
Nippon India Small Cap Fund falls under the Small Cap Fund category with an AUM of ₹60,999.55 crores, a 5-year CAGR of 40.48%, an exit load of 1%, and an expense ratio of 0.65%. The SEBI risk category is Very High. Its asset allocation includes 95.85% in Equity, 4.15% in Cash & Equivalents, and Others.
ICICI Prudential Balanced Advantage Fund
ICICI Prudential Balanced Advantage Fund is a Dynamic Asset Allocation mutual fund scheme from ICICI Prudential Mutual Fund. This fund has been operational for 11 years and 8 months, having been launched on January 1, 2013.
ICICI Prudential Balanced Advantage Fund falls under the Balanced Advantage Fund category with an AUM of ₹60,135.00 crores, a 5-year CAGR of 15.67%, an exit load of 1%, and an expense ratio of 0.85%. The SEBI risk category is Very High. Its asset allocation includes 69.88% in Equity, 8.29% in Cash & Equivalents, 7.15% in Government Securities, 7.01% in Corporate Debt, 3.02% in REITs & InvIT, and 4.65% in Others.
What are SIP?
SIP, or Systematic Investment Plan, is a method of investing in mutual funds where investors contribute fixed amounts regularly, typically monthly.
This approach allows investors to benefit from rupee-cost averaging, potentially lowering the average cost of units over time as they buy more units when prices are low and fewer when prices are high.
SIPs promote disciplined investing, making it easier for individuals to invest consistently regardless of market conditions, and harnessing the power of compounding over the long term.
Features Of Top Mutual Funds For SIP 10 Years
The main features of top mutual funds for SIP 10 years include consistent long-term performance, professional management, diversification, and the ability to withstand market volatility. These funds have demonstrated their capacity to generate wealth for investors over an extended period.
- Consistent returns: These funds have shown steady performance over a decade, often outperforming their benchmarks and peers.
- Diversification: Top SIP funds maintain well-diversified portfolios to spread risk and capitalize on various market opportunities.
- Professional management: Experienced fund managers with proven track records oversee these funds, making informed investment decisions.
- Flexibility: SIPs offer the flexibility to start, stop, or modify investments based on financial situations.
Best SIP Plans for 10 Years Based On Expense Ratio
The table below shows the Best SIP Plans for 10 Years based on the lowest to highest expense ratio.
| Name | Expense Ratio (%) | Minimum SIP (Rs) |
| SBI Liquid Fund | 0.19 | 12000 |
| HDFC Liquid Fund | 0.2 | 100 |
| Parag Parikh Flexi Cap Fund | 0.63 | 3000 |
| Nippon India Small Cap Fund | 0.65 | 100 |
| HDFC Balanced Advantage Fund | 0.72 | 100 |
| HDFC Mid-Cap Opportunities Fund | 0.72 | 100 |
| SBI Equity Hybrid Fund | 0.73 | 5000 |
| HDFC Flexi Cap Fund | 0.76 | 100 |
| ICICI Pru Balanced Advantage Fund | 0.85 | 100 |
| ICICI Pru Bluechip Fund | 0.87 | 500 |
Best SIP Plan for 10 Years in India Based On 3Y CAGR
The table below shows the Best SIP Plan for 10 Years in India based on the Highest 3Y CAGR.
| Name | CAGR 3Y (Cr) | Minimum SIP (Rs) |
| Nippon India Small Cap Fund | 32.31 | 100 |
| HDFC Mid-Cap Opportunities Fund | 29.86 | 100 |
| HDFC Flexi Cap Fund | 27.63 | 100 |
| HDFC Balanced Advantage Fund | 24.45 | 100 |
| ICICI Pru Bluechip Fund | 20.87 | 500 |
| Parag Parikh Flexi Cap Fund | 18.80 | 3000 |
| ICICI Pru Balanced Advantage Fund | 14.67 | 100 |
| SBI Equity Hybrid Fund | 13.22 | 5000 |
| SBI Liquid Fund | 6.13 | 12000 |
| HDFC Liquid Fund | 6.12 | 100 |
Top Mutual Fund SIP For 10 Years Based On Exit Load
The table below shows the Top Mutual Fund SIP For 10 Years List based on exit load, i.e., the fee that the AMC charges investors when they exit or redeem their fund units.
| Name | AMC | Exit Load (%) |
| SBI Liquid Fund | SBI Funds Management Limited | 0.01 |
| HDFC Liquid Fund | HDFC Asset Management Company Limited | 0.01 |
| Nippon India Small Cap Fund | Nippon Life India Asset Management Limited | 1.00 |
| HDFC Mid-Cap Opportunities Fund | HDFC Asset Management Company Limited | 1.00 |
| HDFC Flexi Cap Fund | HDFC Asset Management Company Limited | 1.00 |
| HDFC Balanced Advantage Fund | HDFC Asset Management Company Limited | 1.00 |
| ICICI Pru Bluechip Fund | ICICI Prudential Asset Management Company Limited | 1.00 |
| ICICI Pru Balanced Advantage Fund | ICICI Prudential Asset Management Company Limited | 1.00 |
| SBI Equity Hybrid Fund | SBI Funds Management Limited | 1.00 |
| Parag Parikh Flexi Cap Fund | PPFAS Asset Management Pvt. Ltd. | 2.00 |
High Dividend Yield SIP in 10 Years
The table below shows High Dividend Yield SIP in 10 Years based on High Dividend Yield.
Historical Performance of Top Mutual Funds For SIP 10 Years
The table below shows the Historical Performance of Top Mutual Funds For SIP 10 Years based on 5Y CAGR.
| Name | CAGR 5Y (Cr) | Minimum SIP (Rs) |
| Nippon India Small Cap Fund | 40.48 | 100 |
| HDFC Mid-Cap Opportunities Fund | 31.86 | 100 |
| Parag Parikh Flexi Cap Fund | 27.51 | 3000 |
| HDFC Flexi Cap Fund | 25.76 | 100 |
| HDFC Balanced Advantage Fund | 23.16 | 100 |
| ICICI Pru Bluechip Fund | 22.92 | 500 |
| SBI Equity Hybrid Fund | 16.90 | 5000 |
| ICICI Pru Balanced Advantage Fund | 15.67 | 100 |
| SBI Liquid Fund | 5.27 | 12000 |
| HDFC Liquid Fund | 5.24 | 100 |
Factors To Consider When Investing In Top Performing SIPs for 10 Years
The main factors to consider when investing in top performing SIPs for 10 years include the fund’s historical performance, investment strategy, risk profile, and expense ratio. It’s crucial to align these factors with your long-term financial goals and risk tolerance.
- Fund performance: Analyze the fund’s performance across different market cycles. Consistent long-term returns are more important than short-term fluctuations.
- Investment strategy: Understand the fund’s investment philosophy and ensure it aligns with your investment objectives.
- Risk profile: Assess the fund’s risk metrics, such as standard deviation and Sharpe ratio, to ensure they match your risk tolerance.
- Expense ratio: Lower expense ratios can significantly impact your long-term returns. Compare ratios across similar funds.
How To Invest In Top Mutual Funds For SIP 10 Years?
To invest in top mutual funds for SIP 10 years, start by researching funds with consistent long-term performance. Compare their returns, risk profiles, and investment strategies. You can invest through a broker like Alice Blue or directly with the fund house.
Begin by completing the Know Your Customer (KYC) process if you haven’t already. This typically involves submitting identity and address proof. Once your KYC is verified, you can set up your SIP online or offline by filling out the application form and setting up auto-debit instructions.
Choose your SIP amount and frequency (usually monthly). Many investors start with small amounts and increase their investment over time. Regularly review your SIP performance and consider increasing your investment amount as your income grows.
Impact of Government Policies on Top Performing SIPs for 10 Years
Government policies can significantly impact SIPs through regulatory changes, tax implications, and economic measures. These policies can affect fund performance, investor behavior, and overall market dynamics.
For instance, changes in tax laws may influence the attractiveness of equity or debt funds for SIPs. Economic policies like interest rate changes can impact debt fund returns. It’s crucial for investors to stay informed about policy changes and their potential effects on their long-term SIP investments.
How Mutual Fund SIP Perform in Economic Downturns?
Mutual fund SIPs often demonstrate resilience during economic downturns due to the principle of rupee-cost averaging. When markets are down, your fixed SIP amount buys more units, potentially leading to better returns when markets recover.
During downturns, defensive sector funds and debt funds may outperform. Equity funds might increase cash holdings or shift to less volatile stocks. The disciplined approach of SIPs helps investors continue investing through market lows, potentially benefiting when markets rebound.
Advantages Of Investing In Top Performing SIPs for 10 Years?
The main advantages of investing in top performing SIPs for 10 years include disciplined investing, rupee-cost averaging, the potential for high returns, and the power of compounding. These SIPs offer a systematic approach to wealth creation over the long term.
- Disciplined investing: SIPs instill financial discipline by encouraging regular, fixed investments regardless of market conditions.
- Rupee-cost averaging: By investing a fixed amount regularly, SIPs help average out the purchase cost of fund units over time, potentially lowering overall investment cost.
- Power of compounding: Over a 10-year period, the power of compounding can significantly boost your wealth, especially with regular investments.
- Professional management: Expert fund managers make informed investment decisions based on extensive research and market analysis.
Risks Of Investing In Top Performing SIPs for 10 Years?
The main risks of investing in top performing SIPs for 10 years include market risk, interest rate risk, credit risk, and the risk of underperformance. While these SIPs have strong track records, past performance doesn’t guarantee future results.
- Market risk: Fund values can fluctuate based on overall market conditions, potentially leading to short-term losses.
- Interest rate risk: Changes in interest rates can affect the value of debt securities in the fund’s portfolio, impacting returns.
- Credit risk: There’s a possibility of default by companies in which the fund has invested, particularly for debt funds.
- Underperformance risk: Even top-performing funds may underperform in certain market conditions or due to changes in fund management.
Top Mutual Funds For SIP 10 Years GDP Contribution
Mutual funds, including those used for long-term SIPs, contribute significantly to India’s GDP by channeling retail savings into productive investments. They play a crucial role in capital formation, helping finance various sectors of the economy.
By providing a steady stream of capital to businesses through equity and debt investments, SIPs support economic growth. They also contribute to market efficiency and liquidity. The long-term nature of 10-year SIPs provides stable, patient capital to the economy.
Who Should Invest in Best Performing SIPs for 10 Years?
Investors with a long-term financial horizon and a moderate to high-risk tolerance should consider investing in the best-performing SIPs for 10 years. This strategy is suitable for those seeking potentially higher returns and who can commit to regular investments over an extended period.
These SIPs are ideal for individuals saving for long-term goals like retirement, children’s higher education, or building substantial wealth. However, it’s crucial to align the investment with your financial objectives, risk profile, and overall portfolio strategy. Consult a financial advisor for personalized advice.
Top 10 Best Mutual Funds SIP to Invest In India – FAQs
The best SIP for a 10-year investment based on expense ratios are Parag Parikh Flexi Cap Fund, due to its cost-effectiveness. Following closely are the HDFC Balanced Advantage Fund, Nippon India Small Cap Fund, HDFC Liquid Fund, and SBI Liquid Fund, each offering varying expense ratios and growth potentials.
Top Performing SIPs for 10 Years #1: HDFC Balanced Advantage Fund
Top Performing SIPs for 10 Years #2: Parag Parikh Flexi Cap Fund
Top Performing SIPs for 10 Years #3: HDFC Mid-Cap Opportunities Fund
Top Performing SIPs for 10 Years #4: SBI Equity Hybrid Fund
Top Performing SIPs for 10 Years #5: SBI Liquid Fund
These funds are listed based on the Highest AUM.
The best-performing SIPs for 10 years, based on expense ratio, include SBI Liquid Fund, HDFC Liquid Fund, Parag Parikh Flexi Cap Fund, Nippon India Small Cap Fund, and HDFC Balanced Advantage Fund. These funds offer competitive growth with lower expenses, making them ideal for long-term investments.
Investing in best-performing SIPs for 10 years is generally considered safe due to the benefits of rupee-cost averaging and long-term market growth. However, all investments carry risks. These SIPs offer professional management and diversification, which can help manage risk over time. Always consider your risk tolerance before investing.
To invest in top performing SIPs for 10 years, research funds with consistent long-term performance. Complete KYC formalities if needed. Use a broker like Alice Blue or invest directly with the fund house. Choose your SIP amount and frequency, typically monthly. Set up auto-debit for seamless investing.
Investing in top performing SIPs for 10 years can be a good strategy for long-term wealth creation. It offers benefits like rupee-cost averaging and compounding. However, the decision should be based on your financial goals, risk tolerance, and overall investment strategy. Consult a financial advisor for personalized advice.
SIPs can potentially offer higher returns than Fixed Deposits (FDs) over the long term, especially for equity funds. They also provide better tax efficiency for long-term investments. However, SIPs come with market risks, while FDs offer guaranteed returns. The choice depends on your risk tolerance and financial goals.
Yes, SIPs can go into loss, especially in the short term, due to market fluctuations. However, the principle of rupee-cost averaging in SIPs can help mitigate some of this risk over time. Long-term SIP investments in well-managed funds have historically shown potential for positive returns.
SIP investments are not inherently tax-free. The tax implications depend on the type of fund and holding period. Equity fund gains held for over one year are tax-free up to ₹1 lakh per year, with 10% tax on gains above this. Debt fund gains are taxed based on your income tax slab if held for less than three years, and at 20% with indexation if held longer.
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Disclaimer: The above article is written for educational purposes, and the companies’ data mentioned in the article may change with respect to time The securities quoted are exemplary and are not recommendatory.
