Best SIP Mutual Fund Plans for Higher Returns in 2025
SIP or Systematic Investment Plan has emerged as the preferred option for investors who want to achieve bigger financial goals with less money. The most important benefit of SIP is that it removes the need to time the market and optimizes the benefits of long-term compounding.
If you're looking to invest in a high-return SIP in 2025, the best mutual funds mentioned below have shown good performance in the last few years. This list has been compiled on the basis of AMFI data, CAGR performance and consistency.
SIP is Best Wealth Building Option in 2025 - Why?
Regular & Disciplined Investing
Protection from Volatility in the Markets
Power of Compounding
Long-Term Wealth Creation
Low Investment Requirement
Advantages of Rupee-Cost Averaging
For these reasons, SIP is regarded as the most reliable investment model in India today.
Best SIP Mutual Fund Plans to earn more in 2025.
(AMFI Data Based – Updated)
The following table shows the best performing SIP mutual funds that have had high 3, 5 and 10 year returns.
| Mutual Fund Name | 3-Year CAGR | 5-Year CAGR | 10-Year CAGR |
|---|---|---|---|
| Quant Active Fund | 24.92% | 31.48% | 21.87% |
| Parag Parikh Flexi Cap Fund | 20.69% | 26.41% | 19.28% |
| Kotak Equity Opportunities Fund | 24.64% | 25.01% | 19.45% |
| Mirae Asset Large & Mid Cap Fund | 19.74% | 24.32% | 22.50% |
| Edelweiss Large & Mid Cap Fund | 22.34% | 24.29% | 17.94% |
| PGIM India Flexi Cap Fund | 14.75% | 23.39% | — |
| DSP Flexi Cap Fund | 18.41% | 22.33% | 16.91% |
| Canara Robeco Emerging Equities Fund | 20.05% | 21.80% | 15.92% |
| Sundaram Focused Fund | 18.27% | 18.22% | 16.55% |
Top Recommended Funds for 2025:
Quant Active Fund
Parag Parikh Flexi Cap Fund
Mirae Asset Large & Mid Cap Fund
Kotak Equity Opportunities Fund
SIP Funds are the best performing funds in the market.SIP Funds are the best performing funds in the market.
✔ Flexi Cap Funds = High Growth + Stability
Freedom to invest in any market cap --> Better opportunity --> Higher returns
✔ Large + Mid Cap Combination
Large cap stability + Mid cap growth = Balanced & High-return SIP
✔ Proven Fund Management
10+ years of consistent track record, low downside risk, and high CAGR performance
⭐ 3-Year vs. 5-Year Returns
On average, 3-year SIP returns are also providing a 20%+ CAGR, which is very strong for the equity category.
5-year returns are indicative of long-term consistency, so 5-year data is regarded as best for SIP selection.
How Can I Pick the Best SIP for 2025?
✔ 1. Match Financial Goals
Short term (1–3 years): Debt / Hybrid
Mid term (3 -5 years): Balanced / Hybrid Advantage.
Long term (5 -20 years): Equity SIP (Best returns)
✔ 2. Have a diversified portfolio.
Large Cap: 40%
Flexi Cap: 30%
Mid Cap: 20%
10% ELSS (tax advantage)
✔ 3. Compounding is most pronounced with long tenure.
The real magic of SIPs is observed after 6 - 7 years.
✔ 4. Do a Yearly Review
Fund Performance
Expense Ratio
Risk
Goal Matching
⭐ Benefits of SIP Investing
Rupee-cost averaging
Monthly disciplined savings
Long-term wealth creation
Flexibility to increase/pause/change
The Power of Compounding
Financial discipline is developed
So, this was the conclusion of the best SIP mutual funds 2025.
If you want to start a high return SIP in 2025, the Flexi Cap and Large & Mid Cap categories have been the strongest.
Quant Active Fund, Parag Parikh Flexi Cap
, Mirae Large & Mid Cap, and Kotak Equity Opportunities Fund have given excellent CAGR returns over the years.
