Top 10 Mutual Funds for SIP to Invest in 2025

In the first half of 2025, some mutual funds have delivered returns of up to 32% between January and June. It is no wonder why investors with a risk appetite choose mutual funds as a smart way to grow their savings, especially when they can start with as little as ₹100 through a SIP. 

But with so many options available, the real question is: where should you start? In this blog, we will break down the top 10 mutual funds for SIP to invest in 2025. 

Top-Ranked SIP Mutual Fund for Investment in India 

SIPs offer a flexible way to invest in mutual funds. Under this method, you can easily increase or decrease how much you invest based on your budget or goals. 

Take a look at some of the top-performing mutual funds, ideal for SIP investment in 2025: 

Motilal Oswal Mid Cap Fund - Direct Growth

Motilal Oswal Mid Cap Fund invests in domestic equities, including 13.02% mid-cap stocks and 6.29% small-cap stocks. Comparing this open-ended fund with its benchmark, Nifty Midcap 150 TRI, can help you make informed investment decisions. 

• Asset Under Management: ₹30,401.09 crore (approximately)
• Expense Ratio: 0.7%
• Launch Date: February 2014
• Annualised Returns (3-Year): 29.57%

Edelweiss Mid Cap Fund - Direct Growth

This fund invests 96.78% in equities of companies based in India, making it one of the top 10 mutual funds for SIP to invest in 2025. The equity investment includes 9.38% large cap stocks, 30.18% mid cap stocks and 23.46% small cap stocks. The benchmark of the fund is Nifty Midcap 150 TRI, which you can compare before investing.

• Asset Under Management: ₹10,027.89 crore (approximately)
• Expense Ratio: 0.4%
• Launch Date: January 2013 
• Annualised Returns (3-Year): 29.05%

Bandhan Infrastructure Fund - Direct Growth

Bandhan Infrastructure Fund invests 93.4% in equities of domestic companies with 37.22% in small cap stocks, 15.01% in mid cap stocks and 25.25% in large cap stocks. You can invest in this open-ended thematic fund by comparing it with its benchmark, BSE India Infrastructure TRI.

• Asset Under Management: ₹1,700.65 crore (approximately)
• Expense Ratio: 0.85%
• Launch Date: January 2013 
• Annualised Returns (3-Year): 28.9%

Franklin Build India Fund - Direct Growth

Franklin Build India Fund invests 95.73% in equities of Indian companies, wherein 57.2% is in large cap stocks, 6.52% in mid cap stocks and 19.18% in small cap stocks. The equity-oriented portfolio composition makes it one of the top 10 mutual funds for SIP to invest in 2025. You can compare its performance with its benchmark S&P BSE India Infrastructure Index before investing. 

• Asset Under Management: ₹2,857.07 crore (Approximately)
• Expense Ratio: 0.95%
• Launch Date: January 2013 
• Annualised Returns (3-Year): 28.69%

Canara Robeco Infrastructure Fund - Direct Growth

The fund allocation includes 36.08% large cap stocks, 27.71% small cap stocks and 15.08% mid cap stocks. With fund managers as Vishal Mishra and Shridatta Bhandwaldar, the benchmark of the fund is BSE India Infrastructure TRI. 

• Asset Under Management: ₹904 crore (Approximately)
• Expense Ratio: 0.99%
• Launch Date: January 2013 
• Annualised Returns (3-Year): 28.5%

Aditya Birla Sun Life PSU Equity Fund - Direct Growth

This is a sectoral or thematic fund that invests 94.73% of its fund in domestic equities. It includes 54.62% large cap stocks, 4.97% small cap stocks and 25.37% mid cap stocks.  You can compare its performance with the BSE PSU TRI before investing. 

• Asset Under Management: ₹5,581.82 crore (Approximately)
• Expense Ratio: 0.53%
• Launch Date: December 2019
• Annualised Returns (3-Year): 27.37%

DSP India T.I.G.E.R Fund - Direct Growth

The composition of domestic equities in the fund includes 28.85% large cap stocks, 10.86% mid cap stocks and 31.93% small cap stocks. As an investor, you can compare its performance before you invest with its benchmark, BSE India Infrastructure TRI.  

• Asset Under Management: ₹5,319.48 crore (Approximately)
• Expense Ratio: 0.87%
• Launch Date: January 2013 
• Annualised Returns (3-Year): 26.73%

Nippon India Small Cap Fund - Direct Growth

45.49% of the investment in this fund includes small-cap stocks. Further, large cap and mid cap stocks include 7.64% and 12.84% respectively, making it a 95.71% investment in domestic equities. This is an open-ended fund where you can invest at any time with a benchmark as the Nifty Small Cap 250 TRI. The fund's portfolio composition makes it one of the top 10 mutual funds for SIP to invest in 2025.

• Asset Under Management: ₹63,006.73 crore (approximately)
• Expense Ratio: 0.65%
• Launch Date: September 2010 
• Annualised Returns (3-Year): 24.57%

Quant Small Cap Fund - Direct Growth

Managed by multiple fund managers like Sandeep Tandon, Ankit Pande and others, Quant Small Cap Fund is one of the investors' choices in 2025. It is an open-ended fund with a benchmark as Nifty Smallcap 250 TRI. The fund invests 13.16% in large cap stocks, 19.18% in midcap stocks and 33.67% in small cap stocks, making it one of the top 10 SIP mutual funds.

• Asset Under Management: ₹28,205.21 crore (approximately)
• Expense Ratio: 0.66%
• Launch Date: January 2013 
• Annualised Returns (3-Year): 24.23%

ICICI Prudential Small Cap Fund - Direct Growth

ICICI Prudential Small Cap Fund invests 87.35% in equities of domestic companies with 41.1% in small cap stocks, 20.66% in mid cap stocks and 10.94% in large cap stocks. Its investment in debt includes Government securities of 1.56%. You can compare its performance with the benchmark Nifty Small Cap 250 TRI before you invest. 

• Asset Under Management: ₹8,254.04 crore (approximately)
• Expense Ratio: 0.73%
• Launch Date: January 2013
• Annualised Returns (3-Year): 19.59%

Note: All fund-related information was updated as of 14th July, 2025. For further accurate details, visit the official website of the fund house. 

Final Word

While the top 10 mutual funds for SIP to invest may look promising, it is important to remember that, like all market-linked investments, they do carry some level of risk. The key is to balance your portfolio with more stable options to manage that risk effectively. That’s where Stable Money comes in!

Download the Stable Money app now and explore fixed-income options for safe and stable returns!