✅ Best SIP Plans for Beginners in India (2025 Guide)
📌 Introduction
If you're new to investing and want to build long-term wealth without market stress, a Systematic Investment Plan (SIP) is the perfect place to start. SIPs allow you to invest a fixed amount in mutual funds every month — starting as low as ₹500.
This guide covers the top SIP plans for beginners in 2025, helping you select low-risk, high-quality funds ideal for first-time investors.
🤔 What is SIP?
A Systematic Investment Plan (SIP) is a method of investing small amounts regularly (usually monthly) into mutual funds. SIPs help you:
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Grow wealth steadily through compounding
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Reduce market risk through rupee-cost averaging
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Build financial discipline with automatic deductions
📝 Criteria to Select SIPs for Beginners
When choosing SIPs, beginners should focus on:
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✅ Low volatility
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✅ Consistent past returns (3-5 years)
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✅ Reputed fund houses
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✅ Low expense ratios
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✅ Easy withdrawal (open-ended funds)
🏆 Best SIP Plans for Beginners in 2025
Here are 5 hand-picked SIP mutual fund schemes ideal for new investors:
1. Parag Parikh Flexi Cap Fund
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🔹 Type: Flexi Cap
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🔹 5-Year Return: ~18% CAGR
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🔹 Minimum SIP: ₹500
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🔹 Why It's Great: Diversified across large, mid, small caps + global stocks
2. Axis Bluechip Fund
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🔹 Type: Large Cap
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🔹 5-Year Return: ~13% CAGR
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🔹 Minimum SIP: ₹100
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🔹 Why It's Great: Stable returns, invests in India’s top companies (e.g., Infosys, HDFC)
3. Mirae Asset Emerging Bluechip Fund
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🔹 Type: Large & Mid Cap
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🔹 5-Year Return: ~20% CAGR
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🔹 Minimum SIP: ₹500
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🔹 Why It's Great: High-growth potential, suitable for long-term goals
4. SBI Equity Hybrid Fund
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🔹 Type: Balanced (Equity + Debt)
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🔹 5-Year Return: ~12% CAGR
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🔹 Minimum SIP: ₹500
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🔹 Why It's Great: Lower risk, good for conservative beginners
5. UTI Nifty Index Fund
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🔹 Type: Passive/Index
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🔹 5-Year Return: Mirrors Nifty 50
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🔹 Minimum SIP: ₹100
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🔹 Why It's Great: Simple, low-cost, tracks India’s top 50 companies
💡 Tips Before Starting Your First SIP
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✅ Start small – even ₹500/month is a great beginning
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✅ Stay invested for long-term (5+ years) for compounding
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✅ Avoid stopping during market downs – buy more at lower prices
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✅ Link to your bank for automatic payments
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✅ Track performance quarterly, but don’t panic over short-term dips
📊 SIP Returns Calculator (Example)
| Monthly SIP | Time | Expected Return | Final Value |
|---|---|---|---|
| ₹1,000 | 10 yrs | 12% CAGR | ₹2,32,339 |
| ₹2,000 | 15 yrs | 12% CAGR | ₹10,00,000+ |
| ₹5,000 | 20 yrs | 12% CAGR | ₹50,00,000+ |
Note: Returns are indicative and not guaranteed.
🧠 FAQs
❓Is SIP safe for beginners?
Yes, SIPs in large-cap or hybrid funds are low-risk and beginner-friendly.
❓Can I stop SIP anytime?
Yes. SIPs are flexible — you can stop, pause, or change the amount anytime.
❓Which app is best to start SIP?
Groww, Zerodha Coin, Paytm Money, and Kuvera are great options.
🏁 Conclusion
Starting a SIP is one of the best decisions for financial freedom. As a beginner, choose consistent and balanced funds, invest regularly, and give time for your money to grow. Start today — even small SIPs can become lakhs over time.