Saving money every month is a habit most people try to build, but where should that money go? If you've got ₹5,000 to spare each month, a SIP can be a simple way to start your investment journey. Whether you're planning for your child's future, a major expense, or simply want to grow your savings, a SIP of 5000 per month for 20 years, or even 5 years, can help you reach your financial goals without stretching your budget.
A Systematic Investment Plan (SIP) lets you invest a fixed amount in mutual funds each month. For instance, a SIP 5000 per month for 10 years means investing ₹6 lakh, which can grow to ₹11 lakh at 12 percent returns. A 5000 SIP for 5 years may turn ₹3 lakh into ₹4 lakh. A 5000 SIP for 20 years can grow to over ₹45 lakh, making it useful for goals like retirement or your child’s education.
Here are some of the best sip plans for 5000 per month.
- HDFC Balanced Advantage Fund Direct
- Parag Parikh Flexi Cap Fund Direct
- Nippon India Small Cap Fund Direct
The information is as on 15th may’2025
Source- Value Research
| Funds | AUM (in Rs) | 3 Year Annualised Returns (in %) | Expense Ratio (in %) |
| HDFC Balanced Advantage Fund Direct | 86,471 Crs | 24.1 | 1.38 |
| Parag Parikh Flexi Cap Fund Direct | 66,384 Crs | 20.75 | 1.37 |
| Nippon India Small Cap Fund Direct | 51,566 Crs | 33.1 | 1.47 |
A 5000 SIP for 10 years or longer is a smart move if you want to build wealth steadily. Whether your goal is to buy a car, fund your child’s education, or prepare for retirement, SIPs are a reliable route. To begin investing, visit the Tata Capital Moneyfy website or download the Moneyfy app!
The longer you stay invested, the better the benefit from compounding. Long-term SIPs can help smooth out market ups and downs.
Look at the fund’s past performance, expense ratio, fund manager’s track record, and if it aligns with your risk level and goals.
It’s affordable, builds financial discipline, and helps you invest regularly without worrying about market timing.
All mutual funds carry market risks. Equity funds can fluctuate in the short term, so ensure your investment matches your risk appetite.
There is no one-size-fits-all. You can consider Parag Parikh Flexi Cap Fund or HDFC Mid-Cap Opportunities Fund for good long-term potential.
Flexi-cap or hybrid funds are ideal for most beginners. Small-cap funds suit aggressive investors with long-term goals.
If you invest 5000 per month sip for 10 years, your money could nearly double or more, depending on the fund’s return rate.
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01 September 2025
2 mins read
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