Starting your investment journey can seem daunting, but Systematic Investment Plans (SIP) are excellent entry points into long-term financial planning. Whether you are a seasoned investor or just starting your journey, the best SIP plans for ₹1,000 each month are a great strategy for growing wealth. This article delves into the top SIP plans to consider in 2025.
A Systematic Investment Plan, also known as a SIP helps you to invest in a mutual fund with small, pre-determined amounts of money at fixed intervals.
SIPs make investing via mutual funds accessible. You can start a SIP with amounts as low as Rs 500 and Rs 1000. These small amounts accumulate over time and make your investment journey less daunting.
To begin investing in mutual funds, 1000 per month is an excellent sum. Let us take a look at the five best 1000 per month SIPs in India:
| SIP | AUM (Rs in Cr) | Annualised Return (3 years) | Annualised Return (5 years) | Annualised Return (10 years) | Expense Ratio |
| HDFC Flexi Cap Fund - Direct Plan-Growth | Rs 64,124.15 | 19.65% | 30.76% | 14.72% | 0.81% |
| JM Flexi Cap Fund - Growth | Rs 5338.35 | 18.79% | 26.23% | 14.52% | 1.72% |
| Quant Flexi Cap Fund - Growth | Rs 7184.84 | 12.91% | 32.86% | 17.48% | 1.81% |
| Parag Parikh Flexi Cap Fund Direct-Growth | Rs 88,005 | 15.21% | 29.29% | 17.33% | 0.63% |
| ICICI Prudential Technology Direct Plan-Growth | Rs 12,511.36 | 3.90% | 31.48% | 16.39% | 1.05% |
| Edelweiss Large Cap Fund - Growth | Rs 1,058.57 | 11.08% | 20.51% | 10.83% | 0.61% |
| Edelweiss Mid Cap Fund - Regular Plan-Growth | Rs 7,729.29 | 18.36% | 31.76% | 15.61% | 1.74% |
| Kotak Equity Opportunities Fund - Growth | Rs 22,852.63 | 13.32% | 24.44% | 13.22% | 1.63% |
| Quant Active Fund - Growth | Rs 9,389.39 | 7.80% | 29.31% | 16.00% | 1.75% |
| Quant Large Cap Fund - Direct Plan-Growth | Rs 2,434.44 | Unavailable | Unavailable | Unavailable | 0.44% |
| Quant Mid Cap Fund - Direct Plan-Growth | Rs 8,355.95 | 15.94% | 34.66% | 16.78% | 0.62% |
The HDFC Flexi Cap Fund is one of the best SIPs for 1000 per month. This fund was started on 1st January 2013 and, since its inception, has generated average annual returns of 16.54%. It is an open-ended dynamic equity scheme investing across large cap, mid-cap & small cap stocks. The HDFC Flexi Cap Fund scheme aims to create capital appreciation and income from a portfolio primarily invested in equity-related instruments.
AUM: Rs 64,124.15 Cr
3-year annualised return: 19.65%
Expense ratio: 0.81%
JM Flexi Cap Fund is an open-ended diversified equity fund. It was initiated on 1st January 2013. Since its inception, the fund has provided average annual returns of 17.38%. It aims to help you build a more diversified portfolio. JM Flexi Cap Fund’s main investments are in the sectors of healthcare, finance, technology, and automobiles. This fund is one of the leading SIP plans investors can leverage to grow their wealth.
AUM: Rs 5338.35 Cr
3-year annualised return: 18.79%
Expense ratio: 1.72%
The Quant Flexi Cap Fund scheme is a flexi cap fund that helps you invest in Large, Mid, and Small Cap Companies. It was started on 1st January 2013. Since its inception, it has delivered annual average returns of 18.67%. The Quant Flexi Cap Fund’s returns are average according to other funds in the same category, and it has an above-average ability to control losses in failing market conditions. Its funds are primarily invested in the sectors of energy, finance, services, healthcare, and consumer staples.
AUM: Rs 7184.84 Cr
3-year annualised return: 12.91%
Expense ratio: 1.81%
The Parag Parekh Flexi Cap Fund is an open-ended dynamic equity scheme. It helps you build a portfolio consisting of equity and equity-related securities. Initially launched on 13th May 2013, the fund has delivered average annual returns of around 19.56%. The Parag Parekh Flexi Cap Fund invests primarily in the services, finance, automobile, energy, and technology sectors.
AUM: Rs 88,005 Cr
3-year annualised return: 15.21%
Expense ratio: 0.63%
The ICICI Prudential Technology Direct Plan-Growth is an equity mutual fund scheme. This fund was launched on 1st January 2013 and has been in existence for little more than 12 years. Since its inception, it has delivered an average annual return rate of 20.44%. While its returns are in line with other funds in the same category, it does have a relatively low ability to control losses when the market is low. The fund invests heavily in the technology, services, capital goods, communication, and insurance sectors.
AUM: Rs 12,511.36 Cr
3-year annualised return: 3.90%
Expense ratio: 1.05%
The Edelweiss Large Cap Fund Growth is also an excellent option for investors looking for SIP plans. Initially launched on 1st January 2013, the fund is medium-sized. Since its inception, it has delivered an annual average return rate of 14.53%. It also has an above-average ability to control losses during periods when the market is falling. The Edelweiss Large Cap Fund Growth invests primarily in the finance, technology, healthcare, automobile, and energy sectors.
AUM: Rs 1,058.57 Cr
3-year annualised return: 11.08%
Expense ratio: 0.61%
The Edelweiss Mid Cap Fund aims to invest in mid-sized business ventures with the potential to grow exponentially. It was initially launched on 1st January 2013. Since its inception, the fund has delivered an annual average return rate of 21.35%. It also has an above-average ability to control losses when the market is falling. The Edelweiss Mid Cap Direct Plan-Growth scheme primarily invests in the sectors of services, healthcare, automobile, finance, and capital goods.
AUM: Rs 7,729.29 Cr
3-year annualised return: 18.36%
Expense ratio: 1.63%
The Kotak Equity Opportunities Fund Growth scheme aims to invest in a combination of large and mid-cap stocks across different sectors. It was initially launched on 1st January 2013. Since its inception, it has delivered annual average returns of 16.62%. It invests heavily in the sectors of finance, technology, energy, healthcare, and capital goods.
AUM: Rs 22,852.63 Cr
3-year annualised return: 13.32%
Expense ratio: 1.63%
The Quant Active Fund Growth scheme aims to give investors long-term capital appreciation. It invests in a diverse portfolio of large, mid, and small-cap companies. It was launched on 1st January 2013. Since its inception, the fund has delivered an annual average return rate of 18.75%. The Quant Active Fund Growth scheme invests primarily in the sectors of energy, construction, consumer staples, services, and healthcare.
AUM: Rs 9,389.39 Cr
3-year annualised return: 7.80%
Expense ratio: 1.75%
The Quant Large Cap Fund - Direct Plan-Growth scheme aims to generate returns through equity instruments and invests heavily in large-cap companies. It was initially launched on 20th July 2022, and has delivered an annual average return rate of 12.18%. The fund invests primarily in the sectors of services, finance, healthcare, energy, and materials.
AUM: Rs 2,434.44 Cr
3-year annualised return: Unavailable
Expense ratio: 0.44%
Quant Mid Cap Fund Direct Plan-Growth is another excellent option for investors wanting to invest in mid-cap mutual fund schemes. It was initially launched on 1st January 2013. Since its inception, it has delivered average annual return rates of 17.47%. The fund invests heavily in the secots of energy, services, construction, consumer staples, and healthcare. The Quant Mid Cap Fund Direct Plan-Growth aims to provide investors with long-term capital appreciation and income generation by investing in a diverse range of mid-cap companies.
AUM: Rs 2,434.44 Cr
3-year annualised return: 15.94%
Expense ratio: 0.62%
SIPs are smart investment options for all investors regardless of experience levels and risk appetites. They are a great way to maintain financial discipline. With investments as low as Rs 1000 per month, you can reach your long-term financial goals.
What’s more, you find a dependable and trustworthy financial platform in Tata Capital Moneyfy. Explore SIPs at 1000 per month with Tata Capital Moneyfy, your trusted investment app, today!
The ideal way to invest Rs. 1,000 per month depends on your financial goals and situation. However, some key strategies include starting early, investing consistently, diversifying your portfolio, and aligning investments with your risk appetite.
Growing Rs. 1,000 into a larger sum is possible through several investment avenues such as ULIPs, Child Plans, Pension Plans, Mutual Funds, and Real Estate. Your choice should align with your risk appetite and financial goals.
For a Rs. 1,000 monthly SIP, large-cap funds are a reliable option due to their focus on stable companies. However, if you’re comfortable with moderate risk, multi-cap or balanced funds can give you a blend of growth and security.
You can initiate a Systematic Investment Plan (SIP) with just Rs. 1,000 per month. Many mutual fund houses accept this as the minimum investment amount.
Yes, investors can make two monthly payments of Rs 1000 in a SIP plan. SIP plans generally require fixed monthly installments, and those wanting to invest twice in one month can set up two Rs 1000 payments.
If you invest Rs 1000 in a SIP plan for 5 years, that means you will be investing a total of Rs 60,000 over this time period. The total returns will depend on which fund you have invested in. You can estimate your returns by using an online calculator.
When choosing a SIP plan to invest Rs 1000 monthly, there are many factors to consider. These include the fund’s expense ratio, risk levels, historical performance, and more. It is also important to ensure the fund aligns with your long-term financial goals.
Mutual Fund SIP investments of Rs 1000 a month are suitable for investors looking to build wealth with regular, disciplined investments. They are best-suited for goals like education, retirement, or making large purchases (like buying a house).
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25 April 2025
8 mins read
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