Best SIP Plans for 3 Years: Equity, Debt & Hybrid Category
Finding the right SIP plan froma wide variety of mutual funds seems impossible, right? You may think the same until you come across the Best SIP Plans for 3 Years to invest in 2025.
Yes, putting your money in these handpicked schemes by mutual fund analysts will turn out to be the best SIP investment for the 3 years you have planned right so far.
It’s time you put your mobile phone on DND and get ready to explore the best-performing mutual funds in equity, debt and hybrid categories offering the Best SIP plans for 3 years advantages India.
Let’s start with a quick overview of SIP meaning and how a systematic investment plan works.
What is SIP & How Does it Work?
The SIP full form stands as a systematic investment plan, an easy and smart way for you to invest your hard-earned money in Mutual Funds, giving a disciplined and strategic way to achieve your desired financial goals in 2025 successfully.
Likewise, an online SIP works like you invest a fixed amount of money on a pre-set date for regular intervals. For example, you invest in SIP monthly, quarterly or yearly.
How to Select the Best SIP Investment for 3 Years?
To select the best SIP plan for 3 years in India, follow the below-given steps that provide a step-by-step procedure:
- Step 1: Clearly lay out your financial goals and identify your risk tolerance so that you can align your goals and investments with one another and derive maximum profits for your portfolio.
- Step 2: Do a proper analysis based on the performance and consistency of returns delivered and then pick the mutual fund that fits your best.
- Step 3: Check how the fund has distributed your money & more importantly, where. Make sure it is evenly divided across different sectors, which will help you lower the risk factor.
- Step 4: Keep an eye on the consistency of returns delivered by your investment and if needed, adjust your portfolio accordingly.
- Step 5: Make sure that you invest in a fund that has a low expense ratio; it is the fees charged by asset management companies for managing your money.
- Step 6: Review the exit load (a fee that investors pay at the time of redemption) and lock-in period that matches your 3-year investment plans.
Don’t Miss Out: What is the Best Date for SIP? Tip for Smart Investors
Best SIP Plans for 3 Years in India
Here is a list of the best SIP investments for 3 years in each category:
Best SIP Plans for 3 Years for Equity Mutual Fund
Here are the top 5 Equity Mutual Funds to start your investments in the Best SIP plan for 3 years in India:
| Fund Name | Launch Date | Category | AUM (₹ Cr) | 3 Yrs Returns | 5 Yrs Returns |
|---|---|---|---|---|---|
| Nippon India Large Cap Fund | 08-08-2007 | Equity: Large Cap | ₹ 35,667 | 17.38% | 18.08% |
| ICICI Pru Large & Mid Cap Fund | 09-07-1998 | Equity: Large and Mid Cap | ₹ 18,624 | 19.57% | 22.34% |
| Invesco India Contra Fund | 11-04-2007 | Equity: Contra | ₹ 17,167 | 16.80% | 18.64% |
| Nippon India Multi Cap Fund | 25-03-2005 | Equity: Multi Cap | ₹ 37,594 | 20.85% | 21.10% |
| ICICI Pru Value Discovery Fund | 05-08-2004 | Equity: Value | ₹ 48,400 | 18.97% | 24.94% |
*Data as of 21.02.25, source MySIPonline
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Best SIP Plans for 3 Years for Debt Mutual Fund
The table below covers the 5 Best Debt Mutual Funds to invest in for your 3 years SIP plans:
| Fund Name | Launch Date | Category | AUM (₹ Cr) | 3 Yrs Returns | 5 Yrs Returns |
|---|---|---|---|---|---|
| ICICI Pru Liquid Fund | 01-11-2005 | Debt: Liquid | ₹ 56,989 | 6.53% | 5.36% |
| HDFC Liquid Fund | 05-10-2000 | Debt: Liquid | ₹ 72,211 | 6.52% | 5.32% |
| ICICI Pru Savings | 27-09-2002 | Debt: Low Duration | ₹ 22,337 | 6.94% | 6.41% |
| Axis Short Duration Fund | 22-01-2010 | Debt: Short Duration | ₹ 8,828 | 6.29% | 6.24% |
| HDFC Short Term Debt | 05-06-2010 | Debt: Short Duration | ₹ 14,110 | 6.85% | 6.53% |
*Data as of 21.02.25, source MySIPonline
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Best SIP Plans for 3 Years for Hybrid Mutual Fund
You can check out the Best Hybrid Mutual Funds list in the below table:
| Fund Name | Launch Date | Category | AUM (₹ Cr) | 3 Yrs Returns | 5 Yrs Returns |
|---|---|---|---|---|---|
| ICICI Pru Equity & Debt | 05-11-1999 | Hybrid: Aggressive | ₹ 39,886 | 16.76% | 21% |
| HDFC Balanced Advg Fund | 01-02-1994 | Hybrid: Dynamic Asset Allocation | ₹ 94,251 | 19.08% | 19.33% |
| Baroda BNP Paribas Balanced Advantage Fund | 14-11-2018 | Hybrid: Dynamic Asset Allocation | ₹ 4,078 | 11.03% | 13.89% |
| ICICI Pru Multi Asset Fund | 31-10-2002 | Hybrid: Multi Asset Allocation | ₹ 52,761 | 17.82% | 20.90% |
| Nippon India Multi Asset Allocation Fund | 05-08-2020 | Hybrid: Multi Asset Allocation | ₹ 5,001 | 14.44% | - |
*Data as of 21.02.25, source MySIPonline
Curious to know which fund to invest in for the short term? Find Best SIP Plans for 1 Year here.
Is it Good to Invest in SIP for 3 Years?
The short answer is yes. Investing in the Best SIP plans for 3 years advantages India are as follows:
-
Good Consistency in Returns
When you invest in a good SIP plan, your money can grow over 3 years. The longer you invest, the more you benefit from the power of compounding, which means your earnings will help you earn even more.
-
Regular Investing
SIPs make you invest a fixed amount every month. This helps you stay disciplined and form a habit of saving, no matter what is happening in the market.
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Lower Risk
Since you invest small amounts regularly via a systematic investment plan, you spread your investment over time. This helps you avoid the risk of putting all your money in when the market is high and reduces the chance of losing money.
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Flexibility and Easy Access
SIPs allow you to choose how much and how often you want to invest. Also, if you need your money, you can take it out easily without too many penalties.
In short, investing in SIP or systematic investment plan for 3 years is a good way to grow your money, as it helps you invest regularly, lowers risks and gives you the flexibility to access your funds when needed.
Successful Tip: How to Make 1 Crore from SIP of Rupee 5000?
Smart Investments, Bigger Returns
Is SIP Safe for 3 years? Factors to Consider
SIP (Systematic Investment Plan) can be a safe option for a 3-year investment, but there are a few things you should think about before you start:
- Risk Tolerance: Think about how much risk you are comfortable with. If you can handle the market going up and down, you can choose equity-based SIPs, which can offer higher returns but with more risk. If you want more stability, debt or hybrid funds are safer options.
- Financial Goals: Make sure your SIP matches your financial goals. If you need the money in 3 years for something like buying a house or paying for education, choose a fund that fits with your time frame and risk level.
- Investment Horizon: Since 3 years is a short period, you should pick conservative funds that are safer and can protect your money while still offering some growth.
- Historical Performance: Check how the funds you are interested in have performed in the past. This will give you an idea of how they handled ups and downs in the market, but remember, past performance does not guarantee future results.
- Expense Ratio: Every fund has a cost to manage it, called the expense ratio. The lower the expense ratio, the more money you will keep as returns, so choose a fund with reasonable costs.
- Fund Manager’s Experience: The fund manager plays a big role in the success of the fund. Make sure to research their experience and how well they have managed funds in the past.
In short, SIPs can be safe for a 3-year investment if you carefully consider these factors before choosing the right plan for your needs.
Must Read: 11 Common Mistakes to Avoid While Investing Mutual Funds
To Conclude Best SIP Plan for 3 Years 2025
In short, you just need the right SIP plan that will effectively help you achieve your 3 years investment goals. This post gave away the best-performing mutual funds in each category, equity, debt and hybrid, so now all you need to do is consider the above-mentioned factors and let your investments make money for you.
