HomeMutual FundsMF To InvestBest SIPs to Invest in 2026

Best SIPs to Invest in 2026

These SIPs are selected for consistent performance, with assets under management above ₹10,000 crore, high ratings of 4 and 5 stars, and low expense ratios under 0.80%. They have delivered returns of more than 20% annually in the past 3 years, helping investors build wealth steadily while keeping costs low.

Mutual Funds to Lookout in 2026

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Name
NAV
AUM (in Cr.) sort_arrow
1M Returns
3M Returns
1 Yr Returns
3 Yr Returns
5 Yr Returns
Rating
Exp Ratio
Risk
Min Monthly SIP
Min Lumpsum
Category
Sub Category
Parag Parikh Flexi Cap Fund Direct - Growth

Parag Parikh Flexi Cap Fund Direct - Growth

94.85

1,25,800.00 1.18% 2.66% 8.07%21.54%21.44%

5

star
0.63%Very High1,0001,000EquityFlexi Cap Fund
HDFC Flexi Cap Fund Direct - Growth

HDFC Flexi Cap Fund Direct - Growth

2,272.10

91,041.00 0.65% 4.35% 9.71%21.38%25.63%

5

star
0.68%Very High100100EquityFlexi Cap Fund
HDFC Mid Cap Fund Direct - Growth

HDFC Mid Cap Fund Direct - Growth

224.19

89,383.20 0.34% 5.83% 6.52%25.39%26.91%

5

star
0.71%Very High100100EquityMid Cap Fund
Nippon India Small Cap Fund Direct Plan Growth Plan - Bonus Option Bonus

Nippon India Small Cap Fund Direct Plan Growth Plan - Bonus Option Bonus

187.28

68,969.10 -3.02% -0.79% -6.51%21.12%29.37%

5

star
0.63%Very High05,000EquitySmall Cap Fund
Nippon India Small Cap Fund Direct - Growth

Nippon India Small Cap Fund Direct - Growth

187.28

68,969.10 -3.02% -0.79% -6.51%21.12%29.37%

5

star
0.63%Very High1005,000EquitySmall Cap Fund
Kotak Midcap Fund Direct - Growth

Kotak Midcap Fund Direct - Growth

157.53

60,385.00 -2.01% 0.04% 0.88%21.24%24.41%

4

star
0.37%Very High100100EquityMid Cap Fund
Nippon India Multi Cap Fund Direct - Growth

Nippon India Multi Cap Fund Direct - Growth

331.82

49,313.70 -1.05% 0.71% 1.99%21.74%27.13%

4

star
0.71%Very High100100EquityMulti Cap Fund
Nippon India Growth Mid Cap Fund Direct Plan Bonus Plan Bonus

Nippon India Growth Mid Cap Fund Direct Plan Bonus Plan Bonus

769.72

41,267.70 -1.15% 2.90% 2.50%24.11%26.63%

4

star
0.74%Very High0100EquityMid Cap Fund
Nippon India Growth Mid Cap Fund Direct - Growth

Nippon India Growth Mid Cap Fund Direct - Growth

4,633.10

41,267.70 -1.15% 2.90% 2.50%24.11%26.63%

4

star
0.74%Very High100100EquityMid Cap Fund
HDFC Small Cap Fund Direct - Growth

HDFC Small Cap Fund Direct - Growth

159.87

38,412.10 -3.02% -1.39% -1.85%21.01%27.18%

4

star
0.67%Very High100100EquitySmall Cap Fund
Motilal Oswal Midcap Fund Direct - Growth

Motilal Oswal Midcap Fund Direct - Growth

117.21

37,500.90 -1.04% -1.93% -6.70%25.83%30.68%

4

star
0.69%Very High500500EquityMid Cap Fund
Quant Small Cap Fund Direct - Growth

Quant Small Cap Fund Direct - Growth

276.41

30,504.40 -2.66% 0.95% -6.80%21.97%31.82%

5

star
0.71%Very High1,0005,000EquitySmall Cap Fund
ICICI Prudential Large & Mid Cap Fund Direct - Growth

ICICI Prudential Large & Mid Cap Fund Direct - Growth

1,172.10

25,752.60 0.58% 5.03% 10.47%21.29%24.78%

5

star
0.78%Very High1005,000EquityLarge & Mid Cap Fund
HDFC Focused Fund Direct - Growth

HDFC Focused Fund Direct - Growth

271.99

25,140.40 0.41% 3.55% 9.62%21.56%27.23%

5

star
0.61%Very High100100EquityFocused Fund
Kotak Multicap Fund Direct - Growth

Kotak Multicap Fund Direct - Growth

21.12

21,541.50 -0.14% 5.95% 3.51%23.64%0.00%

5

star
0.43%Very High100100EquityMulti Cap Fund
HDFC Multi Cap Fund Direct - Growth

HDFC Multi Cap Fund Direct - Growth

20.17

19,732.00 -0.81% 2.88% 1.92%20.46%0.00%

4

star
0.73%Very High100100EquityMulti Cap Fund
Mirae Asset Midcap Fund Direct - Growth

Mirae Asset Midcap Fund Direct - Growth

41.20

18,112.10 -0.42% 5.01% 6.45%20.62%24.27%

4

star
0.56%Very High995,000EquityMid Cap Fund
Bandhan Small Cap Fund Direct - Growth

Bandhan Small Cap Fund Direct - Growth

51.14

17,380.30 -2.91% 1.74% -1.63%30.64%29.17%

5

star
0.40%Very High1001,000EquitySmall Cap Fund
DSP Large & Mid Cap Fund Direct - Growth

DSP Large & Mid Cap Fund Direct - Growth

711.79

16,530.10 1.21% 5.73% 4.07%20.29%20.89%

4

star
0.55%Very High100100EquityLarge & Mid Cap Fund
Motilal Oswal Large and Midcap Fund Direct - Growth

Motilal Oswal Large and Midcap Fund Direct - Growth

37.07

14,870.30 -3.75% 0.96% -0.20%25.78%25.82%

5

star
0.67%Very High500500EquityLarge & Mid Cap Fund
HSBC Value Fund Direct - Growth

HSBC Value Fund Direct - Growth

126.16

14,342.40 -0.42% 3.75% 2.05%23.07%24.24%

5

star
0.76%Very High5005,000EquityValue Fund
ICICI Prudential Focused Equity Fund Direct - Growth

ICICI Prudential Focused Equity Fund Direct - Growth

111.69

13,470.70 2.51% 6.21% 12.69%23.21%24.38%

5

star
0.60%Very High1005,000EquityFocused Fund
Edelweiss Mid Cap Fund Direct - Growth

Edelweiss Mid Cap Fund Direct - Growth

121.46

12,646.90 -0.01% 3.59% 3.33%25.60%27.41%

5

star
0.40%Very High100100EquityMid Cap Fund
HSBC Midcap Fund Direct - Growth

HSBC Midcap Fund Direct - Growth

455.26

12,369.80 -0.75% 2.18% -0.44%24.20%22.49%

4

star
0.64%Very High5005,000EquityMid Cap Fund
Bandhan Large & Mid Cap Fund Direct - Growth

Bandhan Large & Mid Cap Fund Direct - Growth

163.35

11,799.20 0.17% 5.09% 6.66%23.91%24.07%

5

star
0.56%Very High1001,000EquityLarge & Mid Cap Fund

Showing 25 of 25 results

Please Note:

  • 1M, 3M and 1 Yr returns are Absolute. 3 Yr and 5 Yr returns are Annualized.
  • Fund Rating is sourced from Morningstar.
  • "Exp Ratio" is a short-form used for "Expense Ratio" - In simple terms it is a fee charged by the AMC for managing your money.

*The schemes mentioned above are just for research purpose and not recommendations. Please do your own due diligence before investing.

Frequently Asked Questions

The best SIPs (Systematic Investment Plans) to invest in 2026 are mutual fund schemes across equity, hybrid, and debt categories that offer consistent performance, strong fund management, and alignment with long-term goals. SIPs help you invest a fixed amount regularly, making wealth creation systematic and disciplined.
SIPs allow you to benefit from rupee cost averaging, compound your wealth over time, and build financial discipline. Investing through SIPs in 2026 helps you navigate market volatility effectively while steadily working toward long-term goals like retirement, education, or wealth accumulation.
SIPs make investing affordable and automated, letting you start small and grow your corpus over time. They help reduce the impact of market fluctuations, encourage consistent saving habits, and offer exposure to diverse asset classes through mutual funds.
SIP returns depend on the performance of the underlying mutual funds and market conditions. In the short term, equity SIPs may experience volatility, while debt SIPs can face interest rate risks. However, these fluctuations tend to smooth out over longer investment horizons.
SIPs are ideal for new and experienced investors alike, anyone looking to grow wealth gradually with minimal market timing. They suit long-term investors with goals spanning 3–10 years or more, who value steady, disciplined investing over speculative trading.
You can start your SIPs easily through the Dhan platform. Log in to your Dhan account, explore top-performing SIP-friendly mutual funds, compare returns and risk profiles, and set up your SIP instantly, automating your investments for 2026 and beyond.

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