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Best SIP Plans for Beginners in 2025 – Start with Just ₹500


 

Introduction

If you're just starting your investment journey, SIP (Systematic Investment Plan) is one of the safest and smartest ways to build wealth over time. The best part? You can start with as little as ₹500 per month.

In this post, we’ll cover 5 beginner-friendly SIP mutual funds for 2025 that offer good returns, low risk, and solid long-term growth potential.

1. Axis Bluechip Fund – Direct Plan Growth

Category: Large Cap Fund
Why Beginners Should Consider It:
Invests in stable, well-established companies with lower volatility. Suitable for first-time investors who want safety and consistent growth.
5-Year CAGR: ~13%
Minimum SIP Amount: ₹500

2. Parag Parikh Flexi Cap Fund

Category: Flexi Cap Fund
What Makes It Unique:
This fund invests across large, mid, and small cap stocks — including international exposure like Google and Amazon. It’s managed conservatively, with excellent long-term performance.
5-Year CAGR: ~17%
Minimum SIP Amount: ₹1,000

3. Mirae Asset Emerging Bluechip Fund

Category: Large & Mid Cap
Why It's Great for Long-Term:
This fund has delivered consistent high returns while balancing risk. Good for investors who can stay invested for 5+ years.
5-Year CAGR: ~21%
Minimum SIP Amount: ₹500

4. Quant Active Fund – Direct Plan Growth

Category: Multicap Fund
Why It Stands Out:
Known for high returns and aggressive management style. Best suited for investors who can handle short-term volatility and focus on long-term gains.
5-Year CAGR: ~26%
Minimum SIP Amount: ₹500

5. UTI Nifty Index Fund

Category: Index Fund (Passive Investing)
Ideal for Cautious Beginners:
This fund mirrors the performance of the Nifty 50 index. It's low-cost, low-risk, and great for new investors looking for market returns without high fees.
5-Year CAGR: ~13%
Minimum SIP Amount: ₹500

Bonus Tips Before You Start Your First SIP

  • Choose Direct Plans to avoid commission fees

  • Pick Growth Option instead of Dividend

  • Use trusted apps like Zerodha Coin, Grow, or Paytm Money

  • Stay invested for at least 5–7 years

  • Don’t stop SIPs during market crashes — that’s when they work best!

Final Thoughts

Investing through SIPs is the easiest way to build wealth slowly and safely. You don’t need to time the market or be a financial expert — just stay consistent and let compounding do the work.

“The best time to start investing was yesterday. The next best time is today.”

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