Mutual Funds

Best SIP Mutual Fund Plans in 2022

Save & Invest
08-11-2023
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The SIP is a feasible investment method that enables individuals to invest a fixed amount periodically in mutual funds. Investments can be made yearly, quarterly, monthly, weekly, or daily. Mutual funds are purchased with a set amount deducted from the investor’s account. There are several mutual funds with minimum SIP amounts as low as Rs. 100 and Rs. 500.

SIP mutual funds are successful investing strategies that enable investors to plan investments based on their needs and financial objectives. Additionally, systematic investment plans teach you how to manage your finances. Mutual funds primarily allow investing via a SIP, a lump sum, or both.

What is the Best SIP Mutual Fund?

Most investors, especially the youth, prefer SIP funds. It allows you to dedicate a small amount periodically instead of investing a large amount at once. The amount of the SIP plan depends on the mutual fund you choose. You can set the SIP amount as low as Rs. 100 per month to as high as Rs. 10,000 per month.

The systematic investment plan has many advantages, but one of the most important is that it assures that the investor develops a regular saving routine of a set amount. Investors can consistently invest tiny SIP amounts and generate SIP profits over time. It helps inexperienced or small investors get accustomed to financial planning and is favourable to them.

Top 10 Mutual Funds with Minimum SIP

You can start a SIP plan in almost any mutual fund. The best SIP mutual fund will depend on your investment objectives, especially the amount you wish to invest. The risk, past performance, potential for future growth, NAV, AUM, tax, and exit load are some other elements that can help you choose the best SIP mutual fund. To make that easy for you, here is a list of the top 10 mutual funds with minimum SIP plans.

S. NoMutual FundAUMExpense Ratio3-Year Return5-Year ReturnMinimum SIP
1.Nippon India Growth Fund Direct-GrowthRs. 13,225 crores1.2%32.55%23.30%Rs. 100
2.Nippon India Small Cap Fund Direct-GrowthRs. 21,655 crores1.02%43.67%28.80%Rs. 500
3.IDFC Sterling Value Fund Direct Plan-GrowthRs. 4,906 crores0.85%35.65%22.12%Rs. 100
4.ICICI Prudential Equity & Debt Fund Direct-GrowthRs. 20,360 crores1.24%26.89%19.66%Rs. 100
5.Sundaram Multi Cap Fund Direct-GrowthRs. 1,903 crores0.97%27.77%0.97%Rs. 100
6.SBI Bluechip Direct Plan-GrowthRs. 34,043 crores0.95%21.05%16.12%Rs. 500
7.UTI Mastershare Direct-GrowthRs. 10,570 crores1.04%19.80%15.96%Rs. 100
8.HDFC Flexi Cap Direct Plan-GrowthRs. 30,473 crores1.05%29.36%19.68%Rs. 100
9.ICICI Prudential Bluechip Fund Direct-GrowthRs. 33,739 crores1.05%21.36%16.23%Rs. 100
10.IDFC Core Equity Fund Direct-GrowthRs. 2,416 crores0.85%24.06%17.02%Rs. 100

Types of SIP Plans

Top-up SIP

You can gradually increase your investment amount with this SIP plan. This plan also allows you to maximize your SIP mutual fund investment by making periodic contributions to high-performing mutual fund schemes. You can increase the amount you invest as you deem suitable.

Perpetual SIP

If an investor leaves the end date blank on the SIP form, the SIP runs indefinitely. Investment can always be withdrawn as needed. But to preserve financial restraint and achieve financial objectives, it is usually advisable to choose an end date for SIPs.

Flexible SIP

In this SIP plan, you can alter your investment amount per your cash flow. You can skip one or more instalments if you run into financial difficulties. And, when you earn a bonus or increased income, you can also contribute more to your SIP account.

Trigger SIP

These SIPs plans are the best for beginners. Investors can set the NAV, index level, start date, and termination date. However, this kind of SIP fuels speculation and is frequently discouraged.

Benefits of SIP Mutual Funds

SIP mutual funds have many significant benefits; some of them are:

Low-cost Investment

The best SIP plan lets investors with limited capital increase long-term returns by utilizing their small monthly payments. With as little as Rs. 100, investors can begin investing in SIP mutual funds. Additionally, there is no upper limit on the maximum investment amount in SIP investments.

Rupee Cost Averaging

Investors do not need to time the market because they can purchase more units when it is performing poorly and fewer units when it is performing well. This factor lowers the overall investment cost.

SIP Flexibility

You have total control over your investments with the best SIP investing plan. A SIP can be started or stopped whenever you like. A SIP can also be put on hold and then started back up at a later time. You won’t find this kind of versatility with any other investment plan.

Power of compounding

In contrast to investing in a bulk payment, the investment automation provided by SIP ensures you never miss out on your investments. Small contributions add to a sizable corpus over time, and rewards are compounded.

Better Financial Discipline

SIP investment plans encourage participants to develop disciplined investing habits by compelling them to make regular, predetermined investments of a set amount of money at predetermined periods. Additionally, investors cannot skip an investment with the option of automatic payment because the money is automatically debited from the bank account.

Mistakes to Avoid Before Investing in SIP Plans

High Investment Amount

You can invest tiny sums of money consistently in mutual funds through SIPs, so be careful not to choose an investment quantity that you might not be able to maintain for the remainder of the year.

Unrealistic Investment Goals

Immature investors sometimes establish improbable investment targets before regretting them. You must not set unrealistic goals for the future of your current investment. Instead, you want to plan on average returns and keep making regular investments.

Discontinuing the SIP

Investors should constantly remember that to maximize returns, equity mutual fund investments should be made with a long-term perspective. If your portfolio is losing money, it is best to disregard it and keep going with the SIP.

Not monitoring the SIP Regularly

Investors frequently make the error of neglecting to track or keep an eye on their SIPs. Remember that regular monitoring is necessary for even the best funds with the best fund managers.

Conclusion

One of the most impressive aspects of SIP investment is the possibility to invest as little as Rs. 100 every month. By keeping the minimum requirement low, the scope automatically grows. Mutual fund investments are viable for those with a small corpus, including young adults just breaking into the workforce and even kids who depend on their parents for pocket money.

You can read other blogs on the website of the financial expert, Piramal Finance. Learn more about mutual funds and investment opportunities with us and get help with personal loan requirements if any.

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Tips & Advice

Kedarnath Trip Package – Cost and Travel Itinerary

Kedarnath, one of the holiest pilgrimage sites in India, is nestled in the majestic Himalayas of Uttarakhand. Dedicated to Lord Shiva, the Kedarnath Temple is part of the Char Dham Yatra and attracts lakhs of devotees every year. The journey to this sacred shrine is both spiritual and scenic, making it a dream for those seeking peace and devotion. If you’re planning your visit, understanding the Kedarnath trip package details, cost, and travel options can help you plan your yatra efficiently. Travel Options to Kedarnath There are several routes and modes to reach Kedarnath, depending on your convenience and budget. By Air The nearest airport is Jolly Grant Airport in Dehradun, about 240 km from Gaurikund (the base point for Kedarnath). Delhi to Dehradun flight: ₹3,000 to ₹6,000 (round trip) Taxi from Dehradun to Gaurikund: ₹6,000 to ₹8,000 per vehicle Helicopter services are also available from Phata, Guptkashi, and Sirsi to Kedarnath for those who want to skip the trek. Helicopter tickets cost between ₹5,000 and ₹8,000 per person (round trip). By Train The nearest railway station is Rishikesh, located around 210 km from Gaurikund. Delhi to Rishikesh train: ₹400 to ₹1,000 per person Cab or bus from Rishikesh to Gaurikund: ₹1,000 to ₹2,000 per person By Road Buses and shared taxis are available from Haridwar, Rishikesh, and Dehradun to Gaurikund. The journey takes about 8 to 10 hours through beautiful mountain roads. Trekking to Kedarnath From Gaurikund, the Kedarnath trek spans about 16 kilometres. Ponies, palkis, and doli services are available for those who prefer not to walk. Pony ride: ₹3,000 to ₹4,500 per person Doli: ₹5,000 to ₹7,000 per person Porter: ₹1,000 to ₹2,000 The trek offers stunning views of snow-capped peaks and alpine forests, making it a spiritual as well as adventurous experience. Kedarnath Trip Package Cost Package prices vary based on departure city, duration, and inclusions such as meals, hotels, and transport. Budget Package: ₹9,000 to ₹15,000 per person (shared transport, basic stays, group tour) Mid-Range Package: ₹20,000 to ₹30,000 per person (comfortable hotels, meals, guide) Luxury Package: ₹35,000 to ₹50,000 per person (private cab, premium stays, helicopter option) If you choose to include nearby sites like Badrinath, Tungnath, or Guptkashi, costs may increase slightly but offer a complete Char Dham experience. Accommodation and Food Costs Accommodation options near Kedarnath are limited but sufficient for most pilgrims. Budget guesthouses: ₹1,000 to ₹2,000 per night Mid-range hotels in Guptkashi or Sonprayag: ₹3,000 to ₹5,000 per night Luxury stays near Phata: ₹7,000 to ₹10,000 per night Meals are simple and vegetarian, with dhabas and ashrams offering thalis priced around ₹150 to ₹300 per person. Ideal Duration and Best Time to Visit The Kedarnath Temple opens in April or May and closes by October or early November before snowfall.A 4 to 5-day trip from Haridwar or Rishikesh is ideal to cover travel, stay, and darshan comfortably. How to Choose the Right Kedarnath Package Check if the package includes transport from Haridwar or Dehradun. Confirm meals, hotel quality, and local guide services. Verify inclusion of permits and temple entry arrangements. For senior citizens, helicopter-inclusive packages are highly recommended. Can a Travel Loan Help? Pilgrimage trips like Kedarnath can involve high travel and accommodation costs, especially for families. Opting for a travel loan can make it easier to manage these expenses while allowing you to repay conveniently through EMIs. Final Thoughts The Kedarnath trip package cost generally ranges between ₹9,000 and ₹30,000 per person, depending on comfort and inclusions. Whether you choose to trek or fly by helicopter, the journey to Kedarnath is an unforgettable spiritual experience. With a little planning and smart budgeting, you can make this holy yatra peaceful, memorable, and financially manageable.

14-10-2025
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