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Which Are The Best SIPs In India In 2021?

Published On Oct 01, 2021

One off the best ways to invest in mutual funds is through SIPs i.e. Systematic Investment Plans. Instead of putting a large chunk of your money into an investment in the form of a lump sum payment – you get to invest regularly in smaller amounts.

A SIP gives you the best means to maximize returns while investing in multiple mutual funds. A SIP is a fixed monthly investment amount that you can choose as per your comfort.

Let’s now dive into a list of current top recommendations of SIPs to invest in.

List Of Best Liquid Mutual Fund SIPs In India

Nippon India Liquid Fund

Nippon India Liquid Fund is a relatively low risk debt fund that invests in high grade bonds (A1+) and other debt securities. It's been known to generate predictable returns because it takes as little as 3 months for its portfolio to mature.

  • Risk: Low
  • 1-Year Returns: 3.23%
  • 3-Year Returns: 5.55%
  • 5-Year Returns: 6.09%
  • AUM: ₹20,049 crores

SBI Liquid Fund

The investment objective of SBI Liquid Fund is to leverage a wide range of high rated debt securities like bonds and money market instruments. The fund looks to generate solid returns with a portfolio maturity of 91 days.

  • Risk: Low
  • 1-Year Returns: 3.22%
  • 3-Year Returns: 5.43%
  • 5-Year Returns: 5.98%
  • AUM: ₹42,544 crores

HDFC Liquid Fund

HDFC liquid fund invests in debt and money market securities with thorough credit analysis. The fund's portfolio matures in 91 days or less. HDFC liquid fund has been active since October 2000.

  • Risk: Low
  • 1-Year Returns: 3.14%
  • 3-Year Returns: 5.39%
  • 5-Year Returns: 5.94%
  • AUM: ₹51,046 crores

IDFC Banking & PSU Debt Fund

IDFC Banking & PSU Debt Fund is an open-ended debt scheme that invests in high grade bonds (AAA, A1+) issued by banks and public sector undertakings. Debt funds from this category are known to generate solid returns that's generally better than bank FDs.

  • Risk: Low
  • 1-Year Returns: 6.70%
  • 3-Year Returns: 9.69%
  • 5-Year Returns: 8.09%
  • AUM: ₹18,547 crores

HDFC Money Market Fund

HDFC Money Market Fund invests in securities from the money market in order to generate predictable returns better than an average bank FD. The fund has been in the market since 1999 and has generated 7.38% since inception.

  • Risk: Low
  • 1-Year Returns: 4.57%
  • 3-Year Returns: 6.90%
  • 5-Year Returns: 6.81%


SIPs allow you to choose the duration of your investment. You can diversify your portfolio through multiple SIPs. SIPs are safer than investing directly in stocks. You do not need to be involved in the stock market on a daily basis to invest in SIPs. Benefit from compound interest and rupee cost averaging.

Also read: 

Is Daily SIP Better or Monthly SIP?

7 Real Facts Why People Love Investing In SIPs

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.       

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