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INVESTGURU GUIDE
Best Mutual Funds for SIP
Systematic Investment Plan(SIP) is an excellent way of disciplined savings to create a large fund for future financial goals. In SIP, a fixed amount is invested in the selected mutual fund every month on a specific date chosen by the investor.

The monthly amount can be invested conveniently from the investor's bank account directly by availing Auto Debit/ECS facility. In case this facility is not available in a city or with a specific bank, an investor can issue post dated cheques in the name of the fund. These cheques are deposited with the fund house. The fund house then deposits one cheque every month on a specific date as mentioned by the investor.

There are different types of Mutual Funds which are suited for different investment objectives and time periods.

Listed below are best mutual funds for SIP in Growth & Balanced category(For appreciation of money), Income category(Safety and regular returns) and Ultra Short Term category(Safety, regular returns and liquidity). The funds have been selected on the basis of their investment philosophy, past performance and consistency in returns in comparison to similar category funds.

An investor should invest in funds that are suitable to his investment objective and time horizon of his investment.

To invest in mutual funds, please feel free to talk to us on +919910423232 or write to us at info@investguru.in mentioning your investment needs.

Important Note : The minimum investment required in a fund is Rs.1000/- per month only.
Best Equity based Growth Funds
(Suitable for long term investment; for a period of 5 years and more)

The Growth oriented funds are volatile in nature with risk of losing capital. Their performance largely depends upon performance of the stock market. These funds are expected to deliver high returns over a period of more than five years. Investors looking for growth of their savings to meet their long-term financial goals should invest in these funds.


      Product Name CATEGORY 1 Yr (%) 3 Yr (%) 5 Yr (%) FUND VALUE OF RS 10,000 INVESTED PER MONTH
(5 Years)
CALC
FRANKLIN INDIA PRIMA PLUS - GROWTH Equity 16.99 17.30 20.37 980682 /-
Calculate..
SBI MAGNUM MULTI CAP FUND - GROWTH Equity 22.61 19.94 22.01 1019281 /-
Calculate..
BIRLA SUN LIFE SMALL & MIDCAP FUND - GROWTH Equity 37.10 25.48 26.99 1144907 /-
Calculate..
CANARA ROBECO EMERGING EQUITIES - GROWTH Equity 37.98 27.23 30.07 1229287 /-
Calculate..
MIRAE ASSET EMERGING BLUECHIP FUND - GROWTH Equity 40.00 29.73 32.49 1299410 /-
Calculate..
KOTAK EMERGING EQUITY SCHEME - REGULAR - GROWTH Equity 30.35 26.87 27.38 1155313 /-
Calculate..
* Compounded Annualized Returns


Best Equity based Balanced Funds
(Suitable for medium and long term investment; for a period of 3-5 years)

The Balanced funds invest their money both in Equity and Debt. These funds are less volatile than pure equity funds. They are expected to deliver superior returns over a period of more than three years. Investors looking for growth of their savings to meet their long-term financial goals with low volatility should invest in these funds.


      Product Name CATEGORY 1 Yr (%) 3 Yr (%) 5 Yr (%) FUND VALUE OF RS 10,000 INVESTED PER MONTH
(5 Years)
CALC
HDFC BALANCED FUND - GROWTH Equity 23.68 16.05 19.29 955967 /-
Calculate..
L&T INDIA PRUDENCE FUND - REGULAR - GROWTH Equity 23.52 17.09 20.22 977202 /-
Calculate..
DSP BLACKROCK BALANCED FUND - GROWTH Equity 21.80 17.12 16.79 900944 /-
Calculate..
BIRLA SUN LIFE BALANCED 95 - GROWTH Equity 19.80 15.71 18.74 943629 /-
Calculate..
ICICI PRUDENTIAL BALANCED - GROWTH Equity 23.65 15.73 19.67 964592 /-
Calculate..
* Compounded Annualized Returns


Best Debt based Income Funds
(Suitable for short and medium term investment; for a period of 2-3 years)

The Income oriented funds invest in debt instruments and are expected to secure the invested money and generate average but consistent returns. Investors looking for safe returns OR whose time horizon of investment is less than three years should consider investing in these funds.


      Product Name CATEGORY 1 Yr (%) 3 Yr (%) 5 Yr (%) FUND VALUE OF RS 10,000 INVESTED PER MONTH
(5 Years)
CALC
BIRLA SUN LIFE SHORT TERM OPPORTUNITIES FUND - REGULAR - GROWTH Debt 9.63 9.52 10.02 765971 /-
Calculate..
L&T INCOME OPPORTUNITIES FUND - GROWTH Debt 10.23 9.90 9.12 749509 /-
Calculate..
UTI INCOME OPPORTUNITIES FUND - GROWTH Debt 10.06 9.68 - -
Calculate..
BIRLA SUN LIFE MEDIUM TERM PLAN - REGULAR - GROWTH Debt 10.48 10.25 10.50 774903 /-
Calculate..
KOTAK INCOME OPPORTUNITIES FUND - REGULAR - GROWTH Debt 10.09 9.65 9.42 754954 /-
Calculate..
* Compounded Annualized Returns


Best Debt based Ultra Short Term Funds
(Suitable for very short term investment; for a period of 6 months-2 years)

The Ultra Short Term funds invest in short term debt instruments and are expected to secure the invested money and generate average but consistent returns with low/negligible exit load. Investors looking for safe returns OR whose time horizon of investment is less than two years should consider investing in these funds.


      Product Name CATEGORY 1 Yr (%) 3 Yr (%) 5 Yr (%) FUND VALUE OF RS 10,000 INVESTED PER MONTH
(5 Years)
CALC
ICICI PRUDENTIAL SAVINGS FUND - GROWTH Debt 8.67 8.53 8.82 744089 /-
Calculate..
RELIANCE MONEY MANAGER FUND - GROWTH Debt 7.86 8.32 8.73 742457 /-
Calculate..
BIRLA SUN LIFE CASH MANAGER - REGULAR - GROWTH Debt 7.85 8.16 8.45 737448 /-
Calculate..
KOTAK LOW DURATION FUND - STANDARD - GROWTH Debt 8.65 9.11 8.75 742829 /-
Calculate..
FRANKLIN INDIA LOW DURATION FUND - GROWTH Debt 10.09 9.75 9.75 761002 /-
Calculate..
UTI FLOATING RATE FUND - STP - GROWTH Debt 8.13 8.46 8.80 743716 /-
Calculate..
* Compounded Annualized Returns
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Risk Factor : All investments in mutual funds are subject to market risks and the NAV of the schemes may go up or down depending upon the factors and forces affecting the securities market and there can be no assurance that the fund's objectives will be achieved. Past performance of the Fund does not indicate the future performance of the Schemes of the Fund.
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