Mutual Funds SIP Plans for 1000 Per Month
A Systematic Investment Plan (SIP) allows investors to put a fixed amount into mutual funds at regular intervals, usually monthly. Even with ₹1,000 per month, SIPs can help build wealth over time through the power of compounding and disciplined investing. This article explores SIP options available at this amount, along with their features, taxation, potential advantages, and associated risks.
Best SIP Plans for 1000 Per Month
The table below covers the best SIP plans for ₹1,000 per month, based on 3-year and 5-year CAGR, and volatility, to help understand how small contributions can grow over time
| Name | AUM(Rs. in cr.) | CAGR 3Y(%) | CAGR 5Y(%) | Alpha | NAV (in rs) | Exit Load(%) | Volatility(%) |
|---|---|---|---|---|---|---|---|
| HDFC Infrastructure Fund | 2539.9 | 27.44 | 34.01 | 7.32 | 52.09 | 1 | 16.05 |
| Nippon India Small Cap Fund | 65922 | 23.04 | 33.9 | 8.22 | 188.44 | 1 | 17.85 |
| DSP India T.I.G.E.R Fund | 5405.54 | 26.09 | 33.86 | 6.81 | 339.72 | 1 | 17.17 |
| Bandhan Small Cap Fund | 14062.19 | 29.77 | 33.17 | 13.04 | 50.51 | 1 | 19.3 |
| LIC MF Infra Fund | 994.8 | 27.12 | 32.86 | 5.05 | 55.97 | 1 | 22.66 |
| ICICI Pru Commodities Fund | 2919.3 | 20.9 | 32.68 | 7.29 | 46.09 | 1 | 18.9 |
| Kotak Infra & Eco Reform Fund | 2387.7 | 21.88 | 32.26 | 2.06 | 76.64 | 0.5 | 18.17 |
| HSBC Small Cap Fund | 15885.78 | 19.57 | 31.73 | 9.28 | 89.27 | 1 | 20.77 |
| Nippon India Power & Infra Fund | 7376.91 | 27.36 | 31.72 | 3.61 | 370.49 | 1 | 18.59 |
| Edelweiss Small Cap Fund | 4979.92 | 20.78 | 31.44 | 9.73 | 48.42 | 1 | 17.79 |
Disclaimer: Please note that the above list of the best SIP plans for 1000 per month is for educational purposes only, and is not recommendatory. Please do your own research or consult your financial advisor before investing. The data is derived from Tickertape Mutual Fund Screener and is subject to real-time updates.
Note: The data on the list of the best SIP plans for 1000 per month is from 9th September 2025. This data is derived from the Tickertape Mutual Funds Screener.
- 5Y CAGR: Sorted from Highest to Lowest
- Minimum SIP Allowed: ₹1000 per month
🚀 Pro Tip: You can use Tickertape’s Mutual Fund Screener to research and evaluate funds with over 50+ pre-loaded filters and parameters.
Overview of the Top SIP Options for ₹1,000 Per Month
HDFC Infrastructure Fund
This fund invests in companies linked to India’s infrastructure sector, including construction, energy, transport, and related services. It focuses on businesses contributing to infrastructure growth through equity investments.
Nippon India Small Cap Fund
The fund primarily invests in small-cap companies across sectors. It builds a portfolio of businesses with smaller market capitalisation, offering exposure to diverse industries through equity investments.
DSP India T.I.G.E.R Fund
Also known as “The Infrastructure Growth and Economic Reforms Fund,” this scheme invests in companies benefiting from infrastructure development and economic reform themes within India’s equity markets.
Bandhan Small Cap Fund
This fund focuses on equity investments in small-cap companies. It builds exposure to businesses with lower market capitalisation, operating across multiple sectors of the Indian economy.
LIC MF Infra Fund
The LIC MF Infrastructure Fund invests in equity shares of companies engaged in infrastructure-related businesses such as energy, transport, engineering, and construction activities across India.
ICICI Pru Commodities Fund
This fund invests in equity and equity-related instruments of companies operating in the commodities space, including metals, mining, agriculture, and energy-related industries.
Kotak Infra & Eco Reform Fund
This scheme focuses on companies that may benefit from India’s infrastructure development and economic reforms. It invests in equity across industries connected to these themes.
HSBC Small Cap Fund
The HSBC Small Cap Fund primarily invests in small-cap companies across diverse sectors. It allocates capital to businesses with smaller market capitalisation in India’s equity markets.
Nippon India Power & Infra Fund
This fund invests in companies from India’s power and infrastructure sectors, covering industries like electricity, energy, construction, and supporting services.
Edelweiss Small Cap Fund
The fund invests in small-cap companies across different industries, building exposure to businesses with relatively smaller market capitalisation in India’s equity segment.
What is a SIP Plan for 1000 per Month?
A Systematic Investment Plan (SIP) is a way to invest a fixed amount in mutual funds at regular intervals, usually monthly. A SIP of 1,000 per month means you contribute this amount consistently into a chosen mutual fund scheme.
Taxation on the Best SIP Plans for 1000 Per Month
The Union Budget 2024 revised tax rules across different fund categories, simplifying the structure but also changing rates and removing indexation benefits. The tables below show how equity, debt, and hybrid mutual funds are now taxed in India.
Taxation on Equity Mutual Funds
| Capital Gains Tax | Holding Period | New Rate |
| Short-Term Capital Gains (STCG) | Less than 12 months | 20% |
| Long-Term Capital Gains (LTCG) | More than 12 months | 12.5% (₹1.25 lakh tax-free) |
How to Invest in Best SIP Plans for 1000 Per Month
You can easily start to invest in the best SIP plans for 1000 per month by following these steps:
- To invest in the best SIP plan for 1 year, you can visit an equity investment platform such as smallcase
- The next step is to research and identify the best SIP plans for 1000 per month that match your investment thesis. Tools like the Tickertape Mutual Fund Screener can help you filter and compare funds based on parameters such as returns, expense ratio, and fund size.
- Once you shortlist the funds, visit smallcase, log in, and search for the fund by name. You can then choose the investment mode, either a one-time lump sum or an SIP investment 1000 per month.
Advantages of Investing in a SIP Plan for 1000 per Month
- Power of Compounding: Small amounts grow significantly when invested for a long time. Compounding ensures that returns generate more returns, multiplying wealth over the years. However, the actual returns depend on market performance, fund category, and investment horizon.
- Benefit of Rupee Cost Averaging: In a bull market, ₹1,000 buys fewer units and when markets fall, it buys more units. Over time, this averaging reduces the impact of market volatility.
- Wide Choice of Funds: Even with ₹1,000 per month, you can access a variety of funds across equity, debt, hybrid, arbitrage, and liquid categories. This provides investors with a wide range of options tailored to their risk profile.
Risks of Investing in a SIP Plan for 1000 per Month
- Market Fluctuations: SIP investments depend on market performance. If markets decline, the value of your investment can also fall in the short term.
- Uncertain Returns: Mutual funds do not offer guaranteed returns. Even though SIPs average out costs, returns can vary depending on the type of fund, market cycles, and other factors.
- Fund-Related Risks: Each fund carries risks specific to its category. For example, sectoral funds depend heavily on the performance of a single industry.
- Short-Term Volatility: A ₹1,000 SIP can fluctuate in value during short periods. Investors with limited horizons may miss the full benefit of rupee cost averaging, which works better over longer durations.
Factors to Consider Before Investing in a SIP Plan for 1000 per Month
- Risk Appetite: Different funds carry different levels of risk. Investors need to analyse the risks associated with each fund and assess their risk appetite before considering a 1000 per month SIP.
- Fund Category: Equity, debt, hybrid, and liquid funds serve different purposes. That’s why, when starting a 1,000 per month SIP for 5 years, understanding the category helps in knowing how returns and risks may differ across funds.
- Costs and Charges: Mutual funds have an expense ratio and an exit fee that impact net returns. That’s why investors need to check the fund’s expense ratio and other related fees when analysing the fund.
- Performance Track Record: Reviewing a fund’s history shows how it manages consistency and risk. It can help investors understand how the fund has performed across different market cycles.
- Tax Implications: Equity and debt funds are taxed differently. Understanding how short-term and long-term capital gains are taxed will help investors plan more effectively when searching for the best SIP to invest 1000 per month.
Who Should Invest in a SIP Plan for 1,000 per Month?
- First-Time Investors: Individuals new to mutual funds can start with a small SIP to understand how markets work without committing large amounts.
- Young Professionals and Students: Those with limited income who want to explore investing in mutual funds can start with ₹1,000 per month, building a habit of disciplined saving and investing early.
- Investors with Long Horizons: Those willing to stay invested for 5-10 years or more can benefit from compounding, even with modest contributions.
- Diversifiers: Individuals already investing larger amounts elsewhere may use a ₹1,000 SIP to diversify into a new fund category without significant risk.
Conclusion
A SIP plan for ₹1,000 per month proves that even small, regular investments can create meaningful wealth over time. However, the choice of fund depends on factors such as risk appetite, time horizon, and financial goals. Each option carries its own opportunities and risks, and investors must analyse all the factors before making investment decisions.
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Frequently Asked Questions on Best SIP Plans for 1000 Per Month
A SIP plan for ₹1,000 per month means investing a fixed amount regularly in a mutual fund. It allows you to start small, build discipline, and potentially benefit from compounding and rupee cost averaging over time, though actual results depend on market performance and fund selection.
Yes, most mutual funds allow you to start a 1000 per month SIP. This makes investing 1000 per month in SIP accessible for beginners, students, and salaried individuals.
There is no single best SIP for 1000 per month that suits all investors. The right choice depends on goals, risk appetite, and time horizon. Investors can use tools like Tickertape to compare options.
The choice between large-cap, mid-cap, small-cap, or flexi-cap funds depends on several factors, such as market cycles, economic conditions, volatility, and fund strategy. Each category reacts differently to these factors, which influence the overall performance of a SIP.
A mutual fund investment 1000 per month carries risks such as market fluctuations, fund-specific volatility, inflation impact, and missed contributions. These factors can affect overall results even in the best SIP for Rs 1000 per month plans.
You can explore 1000 per month SIP for 5 years using online tools like Tickertape or mutual fund screeners. These platforms let you compare funds based on returns, volatility, expense ratio, and performance history.
A SIP of 1000 per month for 10 years means a total investment of ₹1,20,000. The final return depends on the mutual fund’s performance, which varies with market conditions. For example, with 8% annual return, the total value could be around ₹1.83 lakh.
