Top Mutual Funds for SIP 10 years

Top Mutual Funds for SIP 10 years

The below table shows the Top Mutual Funds for SIP 10 years based on AUM, NAV, and minimum SIP.

NameAUM (Cr)Minimum SIP (Rs)NAV (Rs)
HDFC Balanced Advantage Fund78759.07100494.11
ICICI Pru Bluechip Fund51554.28500105.09
Mirae Asset Large Cap Fund37676.43100109.19
HDFC Small Cap Fund28598.925000139.75
HDFC Hybrid Equity Fund22642.922500113.11
DSP Small Cap Fund13709.97100183.17
Aditya Birla SL Arbitrage Fund10668.4110026.19
ICICI Pru Overnight Fund7030.255001296.03
Aditya Birla SL Overnight Fund5357.211001300.6
ICICI Pru Gilt Fund4864.5710099.01
HDFC Income Fund757.7150057.71
HDFC Dynamic Debt Fund668.8710088.83

Content:

What is a Mutual Fund SIP?

A Mutual Fund SIP, or Systematic Investment Plan, is a method of investing a fixed amount regularly in a mutual fund. This disciplined approach helps in building wealth over time by averaging the cost of investments and leveraging the power of compounding.

In SIP, investors can choose a fixed amount to invest monthly, quarterly, or annually, depending on their preference. This makes it easier to budget for investments and helps mitigate the risk of market timing, as the investment is spread over various market cycles.

SIPs are particularly beneficial for small investors who might not have large sums to invest at once. By investing regularly, they can accumulate a significant corpus over the long term, making it an effective strategy for goals like retirement savings or funding education.

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List Of Top Mutual Funds For SIP 10 Years

The table below shows the list Of Top Mutual Funds For SIP 10 Years based on the lowest to highest expense ratio.

NameExpense Ratio (%)Minimum SIP (Rs)
Aditya Birla SL Overnight Fund0.04100
ICICI Pru Overnight Fund0.1500
Aditya Birla SL Arbitrage Fund0.35100
ICICI Pru Gilt Fund0.56100
HDFC Small Cap Fund0.585000
Mirae Asset Large Cap Fund0.59100
HDFC Dynamic Debt Fund0.69100
HDFC Balanced Advantage Fund0.72100
HDFC Income Fund0.81500
ICICI Pru Bluechip Fund0.83500
HDFC Hybrid Equity Fund1.022500
DSP Small Cap Fund1.02100

Best SIP Plan For 10 Year 

The table below shows the Best SIP Plan For 10 Years based on the Highest 3Y CAGR. 

NameCAGR 3Y (Cr)Minimum SIP (Rs)
ICICI Pru Overnight Fund126.73500
HDFC Small Cap Fund33.745000
DSP Small Cap Fund29.48100
HDFC Balanced Advantage Fund26.8100
ICICI Pru Bluechip Fund23.27500
HDFC Hybrid Equity Fund17.392500
Mirae Asset Large Cap Fund16.48100
HDFC Dynamic Debt Fund7.19100
ICICI Pru Gilt Fund6.48100
Aditya Birla SL Arbitrage Fund6.18100
Aditya Birla SL Overnight Fund5.26100
HDFC Income Fund5.211500

Top Mutual Funds For SIP 10 Years

The table below shows the Top Mutual Funds For SIP 10 Years based on exit load, i.e., the fee that the AMC charges investors when they exit or redeem their fund units.

NameAMCExit Load (%)
ICICI Pru Overnight FundICICI Prudential Asset Management Company Limited0
HDFC Dynamic Debt FundHDFC Asset Management Company Limited0
ICICI Pru Gilt FundICICI Prudential Asset Management Company Limited0
Aditya Birla SL Overnight FundAditya Birla Sun Life AMC Limited0
HDFC Income FundHDFC Asset Management Company Limited0
Aditya Birla SL Arbitrage FundAditya Birla Sun Life AMC Limited0.25
HDFC Small Cap FundHDFC Asset Management Company Limited1
DSP Small Cap FundDSP Investment Managers Private Limited1
HDFC Balanced Advantage FundHDFC Asset Management Company Limited1
ICICI Pru Bluechip FundICICI Prudential Asset Management Company Limited1
HDFC Hybrid Equity FundHDFC Asset Management Company Limited1
Mirae Asset Large Cap FundMirae Asset Investment Managers (India) Private Limited1

Best SIP Plan For 10 Years In India

The table below shows the best SIP Plan For 10 Years In India based on Absolute 1 Year Return and AMC.

NameAMCAbsolute Returns – 1Y (%)
HDFC Small Cap FundHDFC Asset Management Company Limited53.2
DSP Small Cap FundDSP Investment Managers Private Limited50.36
ICICI Pru Bluechip FundICICI Prudential Asset Management Company Limited41.63
HDFC Balanced Advantage FundHDFC Asset Management Company Limited40.33
Mirae Asset Large Cap FundMirae Asset Investment Managers (India) Private Limited27.12
HDFC Hybrid Equity FundHDFC Asset Management Company Limited22.76
Aditya Birla SL Arbitrage FundAditya Birla Sun Life AMC Limited8.41
ICICI Pru Gilt FundICICI Prudential Asset Management Company Limited7.89
HDFC Dynamic Debt FundHDFC Asset Management Company Limited7.25
Aditya Birla SL Overnight FundAditya Birla Sun Life AMC Limited6.81
HDFC Income FundHDFC Asset Management Company Limited6.8
ICICI Pru Overnight FundICICI Prudential Asset Management Company Limited6.79

Who Should Invest In Mutual Funds For Sip 10 Years?

Investing in mutual funds through SIPs for a duration of 10 years is ideal for individuals looking for long-term wealth creation with moderate risk. It suits those who are planning for future financial goals such as retirement, children’s education, or buying a home.

Individuals who are in the early stages of their careers or have a long investment horizon benefit significantly from such SIPs. The long duration allows their investments to overcome market volatilities and benefit from the compounding effect, enhancing the potential returns.

Moreover, those who prefer systematic and disciplined investment strategies without the need to time the market will find 10-year SIPs appealing. It helps in habituating regular savings while gradually building a considerable investment corpus over time.

How To Invest in the Top Mutual Funds For Sip 10 Years?

To invest in the top mutual funds for a 10-year SIP, start by researching and selecting funds with strong long-term performance records. Consider factors like fund management, expense ratio, and past returns. Consult a financial advisor to tailor choices to your financial goals.

Once you’ve chosen a fund, you can set up a SIP through the fund’s website, a financial advisor, or a mutual fund investment platform. Decide on the amount and frequency of your investment, ensuring it aligns with your long-term financial objectives.

Regular monitoring and reviewing of the fund’s performance are crucial. Adjustments may be needed based on changing market conditions and personal financial situations. This proactive management helps in maximizing returns and achieving your investment goals efficiently.

Performance Metrics Of Mutual Fund SIP For 10 Years

Performance metrics of a 10-year Mutual Fund SIP include average annual returns, risk-adjusted returns, and comparison against benchmarks. These indicators help evaluate how well the investment has grown and matched up to expectations over a decade, considering market fluctuations and economic changes.

Average annual returns reveal the fund’s compounded growth rate over the period, providing a clear picture of how regular investments have performed annually. This metric is essential for investors to understand the effectiveness of their SIP in wealth accumulation and reaching their financial goals.

Risk-adjusted returns, measured by metrics like the Sharpe ratio, assess how much return the investment has generated for each unit of risk taken. This is crucial for comparing SIPs in different market conditions and ensuring that the returns justify the risks involved.

Benefits of Investing in the Best Mutual Fund SIP For 10 Years

The main benefits of investing in the best Mutual Fund SIP for 10 years include substantial growth potential through compounding, reduced impact of market volatility via dollar-cost averaging, and the ability to build significant wealth with relatively small, regular investments over the long term.

  • Harness the Power of Compounding:  Compounding can turn your SIP investments into a sizable sum over 10 years. Each installment reinvests with the previous earnings, accelerating your wealth growth as profits generate more profits, demonstrating the classic ‘money makes money’ principle.
  • Smooth Out Market Volatility: Dollar-cost averaging through SIPs helps you buy more units when prices are low and fewer when prices are high, thus averaging the purchase cost over time. This strategy reduces the risk of investing a large amount in adverse market conditions.
  • Achieve Financial Goals: Regular investments through a SIP make it easier to commit to long-term financial objectives, such as saving for retirement or your children’s education. Systematic investing disciplines your savings habit and helps ensure that you steadily work towards your financial milestones without the stress of timing the market.
  • Flexible Investment Options: SIPs offer the flexibility to choose the investment amount and frequency according to your convenience and financial capacity. Whether it’s monthly, quarterly, or semi-annually, you can adjust your investment pace as per your financial situation, making it an adaptable financial tool.
  • Accessibility for All: With options to start with as low as a few hundred rupees, SIPs make it possible for individuals at various income levels to participate in the investment game. This inclusivity helps demystify investing for new entrants and provides a practical path to financial literacy and independence.

Challenges Of Investing In Mutual Fund SIP For 10 Years

The main challenges of investing in a Mutual Fund SIP for 10 years include potential market risk, liquidity constraints, and the need for discipline to maintain regular contributions without interruption, even during economic downturns or personal financial crises

  • Market Risk Exposure:  Long-term SIPs expose you to market fluctuations, where extended downturns can affect fund performance. Investors need to be prepared for possible low returns during market crashes, which can significantly impact their investment value temporarily.
  • Commitment to Consistency:  Maintaining regular SIP payments requires financial discipline, which can be challenging during personal economic hardships or tempting market highs. Missing contributions can disrupt the compounding benefits and overall investment strategy, making it harder to reach financial goals.
  • Liquidity Limitations:  Funds locked in SIPs usually have lower liquidity, meaning accessing your money quickly can be difficult without facing penalties or losses. This can be problematic in emergencies where immediate cash is needed.
  • Inflation Impact:  Over a decade, inflation can erode the purchasing power of your returns. Ensuring that your SIP outpaces inflation is crucial, otherwise, the real value of your accumulated wealth might not meet your future financial needs.
  • Tax Implications:  Depending on your jurisdiction, returns on SIP investments might be taxable, which can reduce the net gains. Understanding the tax rules and planning for potential liabilities is important for accurately assessing the actual returns on your investments.

Introduction to Best SIP Plan For 10 Years In India

HDFC Balanced Advantage Fund

The HDFC Balanced Advantage Fund Direct Plan-Growth is a dynamic asset allocation mutual fund scheme offered by HDFC Mutual Fund. This fund has been operational for eleven years and three months, having commenced on January 1, 2013.

The HDFC Balanced Advantage Fund, classified as a Balanced Advantage Fund, manages an Asset Under Management (AUM) of 78,759.07(Cr). Over the past five years, it has achieved a Compound Annual Growth Rate (CAGR) of 40.33%. The fund has an exit load of 40.33% and an expense ratio of 0.72. According to SEBI, it falls under the Very High-risk category. The asset allocation is distributed as follows: 67.38% in equity, 27.75% in debt, and 4.87% in other assets.

ICICI Pru Bluechip Fund

The ICICI Prudential Bluechip Fund Direct-Growth is a large-cap mutual fund offered by ICICI Prudential Mutual Fund. This fund has been operational for eleven years and three months, having commenced on January 1, 2013

The ICICI Pru Bluechip Fund, categorized as a Large Cap Fund, manages an Asset Under Management (AUM) of 51,554.28 crore. Over the past five years, it has achieved a Compound Annual Growth Rate (CAGR) of 41.63%. The fund has an exit load of 41.63% and an expense ratio of 0.83. It is classified as Very High risk by SEBI. The asset allocation breakdown is as follows: Equity constitutes the majority at 91.35%, with a negligible portion of 0.21% allocated to debt, and the remaining 8.44% allocated to other asset classes.

Mirae Asset Large Cap Fund

The Mirae Asset Large Cap Fund Direct-Growth is a large-cap mutual fund scheme offered by Mirae Asset Mutual Fund. This fund has been operational for eleven years and three months, having been launched on January 1, 2013.

The Mirae Asset Large Cap Fund, classified as a Large Cap Fund, manages an Asset Under Management (AUM) of 37,676.43 crore. Over the past five years, it has achieved a Compound Annual Growth Rate (CAGR) of 27.12%. The fund has an exit load of 27.12% and an expense ratio of 0.59. It is categorized as Very High risk by SEBI. The asset allocation breakdown shows that the majority, 99.72%, is allocated to equity, with no allocation to debt. The remaining 0.28% is allocated to other asset types.

HDFC Small Cap Fund

The HDFC Small Cap Fund Direct-Growth is a small-cap mutual fund scheme offered by HDFC Mutual Fund. This fund has been operational for eleven years and three months, having commenced on January 1, 2013.

The HDFC Small Cap Fund, categorized as a Small Cap Fund, manages an Asset Under Management (AUM) of 28,598.92 crore. Over the past five years, it has achieved a Compound Annual Growth Rate (CAGR) of 53.2%. The fund has an exit load of 53.2% and an expense ratio of 0.58. It is classified as Very High risk by SEBI. The asset allocation breakdown is as follows: 90.8% is allocated to equity, there is no allocation towards debt, and the remaining 9.2% is allocated to other asset types.

HDFC Hybrid Equity Fund 

The HDFC Hybrid Equity Fund Direct Plan-Growth is an aggressive hybrid mutual fund scheme offered by HDFC Mutual Fund. This fund has been operational for eleven years and three months, having been launched on January 1, 2013.

The HDFC Hybrid Equity Fund, classified as an Aggressive Hybrid Fund, manages an Asset Under Management (AUM) of 22,642.92 crore. Over the past five years, it has achieved a Compound Annual Growth Rate (CAGR) of 22.76%. The fund has an exit load of 22.76% and an expense ratio of 1.02. It is categorized as Very High risk by SEBI. The asset allocation breakdown is as follows: 68.76% in equity, 28.29% in debt, and 2.95% in other asset classes. This distribution reflects a strategic allocation, with the majority invested in equity, followed by debt instruments, and a smaller portion allocated to other asset types.

DSP Small Cap Fund

The DSP Small Cap Direct Plan-Growth is a small-cap mutual fund scheme offered by DSP Mutual Fund. This fund has been operational for eleven years and three months, having been launched on January 1, 2013.

The DSP Small Cap Fund, categorized as a Small Cap Fund, manages an Asset Under Management (AUM) of 13,709.97 crore. Over the past five years, it has achieved a Compound Annual Growth Rate (CAGR) of 50.36%. The fund has an exit load of 50.36% and an expense ratio of 1.02. It is classified as Very High risk by SEBI. The asset allocation breakdown is as follows: Equity constitutes 92.68%, while Debt makes up 0% of the portfolio. The remaining 7.32% is allocated to other asset types.

Aditya Birla SL Arbitrage Fund

The Aditya Birla Sun Life Arbitrage Fund Direct-Growth is an arbitrage mutual fund scheme offered by Aditya Birla Sun Life Mutual Fund. This fund has been operational for eleven years and three months, having commenced on January 1, 2013.

The Aditya Birla SL Arbitrage Fund, categorized as an Arbitrage Fund, manages an Asset Under Management (AUM) of 10,668.41 crore. Over the past five years, it has achieved a Compound Annual Growth Rate (CAGR) of 8.41%. The fund has an exit load of 8.41% and an expense ratio of 0.35. It is classified as Low risk by SEBI. The asset allocation breakdown is as follows: 64.3% is allocated to equity, 17.47% to debt, and 18.23% to other assets.

ICICI Pru Overnight Fund

The ICICI Prudential Overnight Fund Direct-Growth is an overnight mutual fund offered by ICICI Prudential Mutual Fund. This fund has been operational for five years and five months, having been launched on November 14, 2018.

The ICICI Pru Overnight Fund, categorized as an Overnight Fund, manages an Asset Under Management (AUM) of 7,030.25 crore. Over the past five years, it has achieved a Compound Annual Growth Rate (CAGR) of 6.79%. The fund has an exit load of 6.79% and an expense ratio of 0.1. It is classified as Low risk by SEBI. The current allocation consists of 7.59% in Treasury Bills and 92.41% in Cash & Equivalents.

Aditya Birla SL Overnight Fund

The Aditya Birla Sun Life Overnight Fund Direct-Growth is an overnight mutual fund scheme offered by Aditya Birla Sun Life Mutual Fund. This fund has been operational for five years and five months, having been launched on October 30, 2018.

The Aditya Birla SL Overnight Fund, categorized as an Overnight Fund, manages an Asset Under Management (AUM) of 5,357.21 crore. Over the past five years, it has achieved a Compound Annual Growth Rate (CAGR) of 6.81%. The fund has an exit load of 6.81% and an expense ratio of 0.04. It is classified as Low risk by SEBI. The asset allocation breakdown is as follows: Cash & Equivalents account for 91.92%, while Treasury Bills make up the remaining 8.08%.

ICICI Pru Gilt Fund

The ICICI Prudential Constant Maturity Gilt Fund Direct-Growth is a mutual fund scheme from ICICI Prudential Mutual Fund that focuses on Gilts with a 10-year Constant Duration. This fund has been operational for nine years and eight months since its launch on August 25, 2014.

The ICICI Pru Gilt Fund, categorized as a Gilt – Short & Mid Term Fund, manages an Asset Under Management (AUM) of 4,864.57 crore. Over the past five years, it has achieved a Compound Annual Growth Rate (CAGR) of 7.89%. The fund has an exit load of 7.89% and an expense ratio of 0.56. It is classified as a Moderate risk by SEBI. In terms of asset allocation, the portfolio consists of 2.94% allocated to Cash & Equivalents, while the majority, totaling 97.06%, is invested in Government Securities.

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List Of Top Mutual Funds For SIP 10 Years – FAQs

1. Which Are The Best Mutual Fund SIPs for 10 Years?

Best Mutual Fund SIPs for 10 Years #1:HDFC Balanced Advantage Fund
Best Mutual Fund SIPs for 10 Years #2: ICICI Pru Bluechip Fund
Best Mutual Fund SIPs for 10 Years #3: Mirae Asset Large Cap Fund
Best Mutual Fund SIPs for 10 Years #4: HDFC Small Cap Fund
Best Mutual Fund SIPs for 10 Years #5: HDFC Hybrid Equity Fund

These funds are listed based on the Highest AUM.

2. What Are The Top Mutual Funds for SIP 10 years?

Some of the top mutual funds for SIP over a 10-year period include HDFC Balanced Advantage Fund, ICICI Pru Bluechip Fund, Mirae Asset Large Cap Fund, HDFC Small Cap Fund, and HDFC Hybrid Equity Fund. These funds have demonstrated consistent performance and growth potential over the long term.

3. Can I Invest In Mutual Fund SIP For 10 Years?

Yes, you can invest in a mutual fund SIP for 10 years. SIPs are flexible investment plans that allow you to contribute regularly over an extended period. Investing for a decade can provide the benefits of rupee cost averaging and compounding, potentially yielding substantial returns over the long term.

4. Is It Good To Invest In Mutual Fund SIP For 10 Years?

Yes, investing in mutual fund SIP for 10 years can be beneficial for long-term financial growth. It allows you to benefit from rupee cost averaging and compounding, mitigating the impact of market volatility. This disciplined approach to investing can help achieve financial goals and build wealth steadily over time.

5. How To Invest In Mutual Fund SIP For 10 Years?

To invest in a mutual fund SIP for 10 years, start by selecting funds aligned with your financial goals and risk tolerance. Set up a SIP through your chosen mutual fund platform or financial institution, specifying the investment amount and frequency. Regularly monitor and review your investments to ensure they remain on track toward your long-term objectives.

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