In 2025, many young people or millennials in India are thinking to grow their money smartly. But saving in just a bank account is not enough now. If you are looking for safe and better ways to invest money every month, then SIPs are best for you. SIP means Systematic Investment Plan, where you can start investing even with ₹500 monthly and build a good wealth slowly.
This blog is for all new investors and working millennials who want to know about the top monthly SIP plans, including the top 5 mutual fund schemes in India, and top performing mutual funds SIP in India. We also talk about HDFC SIP plans in India, which are very trusted and famous among new investors.
Let’s understand in a very easy way.
💡 What is SIP?
SIP means you invest a fixed amount every month in a mutual fund. It is like saving but in a smarter way. Your money grows slowly as the fund performs better. You don’t need to worry about market ups and downs because SIP works better in the long term.
🎯 Why Millennials Should Choose SIPs?
Millennials are busy with work, travel, and life goals. SIP is simple and doesn’t take much time. It helps to build money for future things like:
- Buying house
- Marriage
- Foreign trips
- Emergency fund
- Retirement plan
And the good thing is you don’t need ₹50,000 or ₹1 lakh in hand to start. Just ₹500 is okay.
🔝 Top Monthly SIP Plans for 2025
Let’s now check the most trusted and top performing mutual funds SIP in India you can start monthly.
1. Parag Parikh Flexi Cap Fund
- Type: Flexi Cap (invests in large + mid + small companies)
- Good for: Long term wealth
- Risk: Moderate
This fund has been giving very consistent returns for many years. Very popular among young investors.
2. Mirae Asset Emerging Bluechip Fund
- Type: Large + Mid Cap
- Good for: Growth in next 5-10 years
- Risk: High
If you want high returns and can wait for some years, this is a good choice. It’s one of the top performing mutual funds SIP in India.
3. HDFC Flexi Cap Fund
- Type: Flexi Cap
- Good for: Balanced growth
- Risk: Moderate
One of the best HDFC SIP plans in India for millennials. You can start with ₹500 and increase later.
4. ICICI Prudential Bluechip Fund
- Type: Large Cap
- Good for: Safety + Returns
- Risk: Low to moderate
Best for first-time investors who want to play safe. It is included in the top 5 mutual fund schemes in India for its stable record.
5. SBI Small Cap Fund
- Type: Small Cap
- Good for: High growth lovers
- Risk: High
Small cap means small companies. It’s risky but gives great returns if you stay for 10+ years. Only for young people who can take risks.
🔍 HDFC SIP Plans in India – Trust and Performance
HDFC is a very known and trusted brand in India. If you are confused where to start, try HDFC SIP plans in India like:
- HDFC Hybrid Equity Fund – Mix of stocks and debt. Safer.
- HDFC Top 100 Fund – Focus on big companies. Good for stable growth.
- HDFC Index Fund – Follows market index, low-cost investment.
- HDFC Balanced Advantage Fund – Adjusts between debt and equity smartly.
HDFC SIPs are managed by good experts and suitable for both beginners and experienced investors.
🧮 How to Start SIP in 2025?
Very easy steps:
- Pick a good mutual fund from above
- Decide amount – start with ₹500 or ₹1,000
- Choose monthly date
- Use apps like Groww, Paytm Money, Zerodha Coin, or AMC websites
- Track it once in 3-6 months, not daily
Just remember – don’t stop SIPs when the market is low. It actually helps you get more units and better return in future.
🧠 Tips for Millennials Before Investing
- Don’t wait for the right time. Start now.
- Always do SIP, not a one-time big amount.
- Increase SIP when your income grows.
- Stay for a minimum of 5 years to get good returns.
- Avoid taking money out early.
🤔 FAQs – Frequently Asked Questions
Q1. Which are the top 5 mutual fund schemes in India for monthly SIPs?
Ans: In 2025, the top 5 mutual fund schemes in India are:
- Parag Parikh Flexi Cap Fund
- Mirae Asset Emerging Bluechip Fund
- HDFC Flexi Cap Fund
- ICICI Bluechip Fund
- SBI Small Cap Fund
These funds are good for long-term SIPs.
Q2. Are HDFC SIP plans in India good for beginners?
Ans: Yes, HDFC SIP plans in India are trusted and ideal for beginners. They offer balanced, equity, and index options with a good track record.
Q3. What is the ideal SIP amount for millennials?
Ans: Start with ₹1,000/month. You can increase later. The main thing is consistency, not the amount.
Q4. Which are the top performing mutual funds SIP in India right now?
Ans: Based on 2025 trends, the top performing mutual funds SIP in India are:
- Parag Parikh Flexi Cap
- Quant Small Cap
- HDFC Flexi Cap
- Mirae Asset Bluechip
- Axis Growth Opportunities Fund
Q5. Can I change the SIP amount or stop it?
Ans: Yes, anytime. You can increase, decrease or pause your SIP through the investment app or platform.
🎯Conclusion
In 2025, SIP is the best habit for any millennial who wants to grow money slowly and safely. You don’t need a big salary or knowledge to start. Pick 1-2 good SIPs, invest monthly, and just stay patient.
Try HDFC SIP plans in India for trusted options, or go for any from the top 5 mutual fund schemes in India. And if you want to earn better returns, take small risks with the top performing mutual funds SIP in India.
I am a digital marketing executive as well as content writer in the personal finance and investment related blogs. My goal is to provide simple, interesting and reliable information to readers through my articles so that they always stay updated with the world of personal finance and investment.
