List of Mutual Funds for SIP of ₹5000 Per Month in India 2026
A monthly SIP of ₹5,000 is an accessible entry point into mutual fund investing. It allows investors to participate across a range of fund categories from equity and thematic funds to gold and sectoral schemes, while maintaining regular, disciplined contributions.
Below is a list of mutual funds for a ₹5,000 monthly SIP based on 5Y CAGR, along with key fund details. The article also covers how SIPs work, what to look for when reviewing funds, and key factors to keep in mind.
List of Mutual Funds for SIP of ₹5000 Per Month
Here is a list of mutual funds for a ₹5,000 monthly SIP based on 5Y CAGR as of 5th March 2026.
| Name | AUM (in cr.) | NAV (in ₹ per unit) | CAGR 5Y(%) | Exit Load(%) | CAGR 3Y(%) | Expense Ratio | Minimum SIP | Volatility(%) |
|---|---|---|---|---|---|---|---|---|
| LIC MF Gold ETF FoF | 808.61 | 44.06 | 28.08 | 1 | 40.82 | 0.44 | 1,000.00 | 34.17 |
| HDFC Gold ETF FoF | 11,457.67 | 50.54 | 27.94 | 1 | 40.73 | 0.18 | 100 | 29.06 |
| ICICI Pru Gold ETF FOF | 6,338.49 | 51.62 | 27.91 | 1 | 40.82 | 0.09 | 100 | 28.55 |
| Aditya Birla SL Gold Fund | 1,781.05 | 48.85 | 27.87 | 1 | 40.7 | 0.2 | 1,000.00 | 29.96 |
| Kotak Gold Fund | 6,556.25 | 65.08 | 27.62 | 1 | 40.63 | 0.16 | 100 | 28.05 |
| SBI PSU Fund | 5,979.80 | 39.55 | 27.36 | 0.5 | 33.55 | 0.83 | 1,500.00 | 14.98 |
| Invesco India Gold ETF FoF | 476.11 | 46.32 | 27.32 | 1 | 39.54 | 0.1 | 1,500.00 | 30.74 |
| Invesco India PSU Equity Fund | 1,491.71 | 78.92 | 25.29 | 1 | 31.39 | 0.9 | 100 | 17.08 |
| Quant Small Cap Fund | 27,384.03 | 250.2 | 24.1 | 1 | 18.41 | 0.81 | 1,000.00 | 15.02 |
| DSP India T.I.G.E.R Fund | 5,184.00 | 346.26 | 23.85 | 1 | 26.22 | 0.75 | 100 | 13.68 |
Note: The data on the Shariah compliant mutual funds list is from 6th February 2026. This data is Disclaimer: The above list of mutual funds for a ₹5,000 SIP 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 the Tickertape Mutual Fund Screener and is subject to real-time updates.
Note: The data in the table above is from 5th March 2026 and is derived from the Tickertape Mutual Fund Screener.
- Plan: Growth
- Minimum SIP ≤ ₹500
- 5Y CAGR: Sorted from highest to lowest
Pro Tip: You can use Tickertape’s Mutual Fund Screener to research and evaluate funds with over 50+ pre-loaded filters and parameters.
What is a SIP 5000 Per Month?
A Systematic Investment Plan, or SIP, is a method of investing in mutual funds where a fixed amount is invested at regular intervals. Instead of making a single large investment, a SIP allows an investor to contribute a fixed sum every month, with each instalment being used to purchase units of the chosen mutual fund at the prevailing NAV on that date. A 5000 SIP plan allows investors to invest ₹5000 per month in their chosen mutual fund schemes.
How Does a ₹5,000 Monthly SIP Work?
When you invest ₹5,000 per month through a SIP, the amount is automatically invested into the selected mutual fund on a fixed date each month. Over time, the units accumulate across different NAV levels, and the overall return on your investment is determined by the fund’s performance across the period of investment.
Overview of Top Mutual Funds for ₹5,000 SIP
LIC MF Gold ETF FoF
LIC MF Gold ETF FoF invests in units of a Gold ETF as a Fund of Funds scheme. The fund provides investors with exposure to domestic gold prices. Investors do not need to hold physical gold. The fund tracks gold returns through the ETF route. Returns link directly to movements in gold prices.
HDFC Gold ETF FoF
HDFC Gold ETF FoF invests in units of HDFC Gold ETF as a Fund of Funds. The scheme generates returns that correspond to the performance of the underlying Gold ETF. This ETF tracks the domestic price of physical gold. Investors gain a digital route to participate in gold price movements.
ICICI Pru Gold ETF FoF
ICICI Pru Gold ETF FoF invests in units of ICICI Prudential Gold ETF as a Fund of Funds scheme. The fund provides returns that closely correspond to the returns of the underlying Gold ETF. Investors who want gold exposure through the mutual fund route find it suitable. They avoid holding physical gold or a demat account.
Aditya Birla Sun Life Gold Fund
Aditya Birla Sun Life Gold Fund invests primarily in units of the Aditya Birla Sun Life Gold ETF as a Fund of Funds. The fund generates returns that align with the performance of the underlying Gold ETF. Returns link to domestic gold prices. The fund provides gold exposure in a convenient, paperless format.
Kotak Gold Fund
Kotak Gold Fund invests in units of Kotak Gold ETF as a Fund of Funds scheme. The scheme provides investment returns that correspond to the returns of the underlying Gold ETF. This ETF tracks physical gold prices in India. Investors access gold as an asset class through the mutual fund platform.
SBI PSU Fund
SBI PSU Fund invests predominantly in equity and equity-related securities of Public Sector Undertaking (PSU) companies as a thematic equity fund. The portfolio includes businesses across sectors such as banking, energy, power, oil and gas, and infrastructure where the government holds a majority stake. The fund captures growth linked to PSU companies and government-led economic activity.
Invesco India Gold ETF FoF
Invesco India Gold ETF FoF invests in units of Invesco India Gold ETF as a Fund of Funds. The fund generates returns that align with the performance of the underlying Gold ETF. This ETF tracks domestic gold prices. Investors gain an accessible route to invest in gold without holding it in physical or demat form.
Invesco India PSU Equity Fund
Invesco India PSU Equity Fund focuses on companies where the central or state government holds a majority stake as a thematic equity fund. The portfolio spans PSU companies across sectors, including energy, banking, infrastructure, and industrials. The fund generates long-term capital appreciation by investing in the PSU segment of the equity market.
Quant Small Cap Fund
Quant Small Cap Fund invests primarily in companies ranked beyond the top 250 by market capitalisation, as defined by SEBI, as a small-cap equity fund. The fund follows a quantitative investment approach. It identifies growth opportunities within the small-cap segment. Small-cap funds carry higher volatility. Investors suit them for longer investment horizons.
DSP India T.I.G.E.R Fund
DSP India T.I.G.E.R. Fund (The Infrastructure Growth and Economic Reforms Fund) invests in companies linked to infrastructure growth and economic reforms as a sectoral equity fund. The portfolio covers sectors such as capital goods, energy, industrials, construction, and transportation. The fund follows a thematic approach. It focuses on India’s infrastructure development and reform-driven opportunities.
Taxation on SIP Investments
SIP investments in mutual funds are taxed at the time of redemption. Since each SIP instalment is a separate investment, each instalment has its own acquisition date and holding period. Below is a snapshot of the tax rates for various types of mutual funds based on their holding period.
| Mutual Fund Type | Short-Term Capital Gains (STCG) Holding Period | STCG Tax Rate | Long-Term Capital Gains (LTCG) Holding Period | LTCG Tax Rate | Indexation Benefit |
| Equity Mutual Funds | Less than 12 months | 20% | More than 12 months | 12.5% (Gains up to ₹1.25 lakh tax-free) | Not available |
| Debt Mutual Funds | Less than 36 months | Taxed as per the income tax slab | More than 36 months | 12.50% | Not available |
| Gold Mutual Funds | Less than 24 months | Taxed as per the income tax slab | More than 24 months | 12.50% | Not available |
How to Start a ₹5,000 SIP in Mutual Funds?
You can start a ₹5,000 monthly SIP by following these steps:
- Visit an investment platform such as smallcase to access a wide range of mutual fund schemes.
- Research and shortlist funds that align with your investment objective. Tools like the Tickertape Mutual Fund Screener can help you compare funds based on 5Y CAGR, expense ratio, volatility, AUM, and other parameters.
- Once you have identified a fund, log in to the platform, search for the fund by name, select the SIP option, enter ₹5,000 as the monthly amount, choose your preferred SIP date, and complete the mandate setup. After the mandate is approved, the SIP will begin auto-debiting on the selected date each month.
Who Can Consider ₹5,000 Monthly SIP?
- Investors Starting With a Fixed Monthly Budget: A ₹5,000 monthly SIP provides access to a range of fund categories within a structured, manageable budget. Investors who prefer investing a fixed amount each month rather than committing a large lump sum at once may find this approach suitable for their planning.
- Investors Looking to Build Discipline Over Time: SIPs automate the investment process through a monthly bank mandate. This removes the need for manual action each month and helps investors maintain consistency across different market conditions without needing to actively monitor entry points.
- Investors Interested in Thematic or Sectoral Exposure: Several funds in this list focus on specific themes such as PSUs, infrastructure, small-cap companies, or gold. Investors who are aware of the concentration risks associated with thematic and sectoral funds and want focused exposure to a particular segment may evaluate these funds as part of a broader portfolio.
Benefits of SIP Investment in Mutual Funds
- Disciplined and Automated Investing: A SIP automates the monthly investment process through a standing bank mandate. This removes the need for manual intervention each month and encourages consistent investing regardless of market conditions or short-term news events.
- Rupee Cost Averaging: Since the same fixed amount is invested each month, more units are purchased when NAVs are lower and fewer units when NAVs are higher. Over time, this lowers the average cost of unit acquisition and reduces the impact of market volatility on the overall investment.
- Flexibility to Modify or Pause: Investors can pause, modify, or stop a SIP at any point, subject to the fund house’s terms. This provides flexibility to adjust contributions based on changes in financial circumstances without being locked into a fixed commitment.
- Access to Professional Fund Management: SIP investments in mutual funds provide access to professionally managed portfolios. Fund managers allocate capital across securities based on the fund’s stated mandate, investment strategy, and market analysis, without requiring investors to make individual stock or asset selection decisions.
- Transparent and Regulated Structure: All mutual funds in India are regulated by SEBI and are required to publish their NAV daily, disclose their portfolio monthly, and adhere to defined investment guidelines. This provides a structured and transparent investment environment for SIP investors.
Risks of SIP Investment in Mutual Funds
- Market Risk: SIP investments in equity and thematic mutual funds are subject to market risk. The value of the portfolio fluctuates with market movements, and investors may experience periods where the current value of their investment is lower than the total amount invested. SIPs do not eliminate market risk; they help manage the timing risk of a lump sum entry.
- Sector and Theme Concentration Risk: Several funds in this list, including gold FoFs, PSU funds, infrastructure funds, and small-cap funds, are concentrated in a specific asset class, sector, or theme. If that segment underperforms over a sustained period, the fund may deliver lower returns or experience sharper drawdowns compared to diversified equity funds.
- Small Cap Volatility: Small-cap funds invest in companies ranked beyond the top 250 by market capitalisation. Small-cap funds may experience significant drawdowns during market downturns, as also reflected in the max drawdown figures in the table above.
- Continuity Risk: A SIP’s effectiveness depends on regular and uninterrupted contributions over a long period. Missing consecutive instalments can result in SIP cancellation under certain fund house policies. Gaps in the investment cycle reduce the benefits of rupee cost averaging and compounding.
Factors to Consider Before Starting a ₹5,000 Monthly SIP
- Fund Category and Asset Allocation: The mutual funds can span accoress various categories. Each category carries a different risk profile, return expectation, and market behaviour. Reviewing which category aligns with your investment objective and risk tolerance is an important first step before selecting a fund.
- Maximum Drawdown: Maximum drawdown indicates the largest peak-to-trough decline the fund has experienced in its history. For equity and thematic funds, this metric reflects the worst-case loss scenario during a market downturn. Investors should review this figure and assess whether they are comfortable with that level of potential decline.
- Expense Ratio: The expense ratio is the annual cost charged by the fund for portfolio management. Over long investment periods, even a small difference in expense ratios can have a meaningful impact on net returns. Comparing expense ratios across funds in the same category helps in assessing the cost efficiency of each option.
- Role in Overall Portfolio: Each fund in this list represents a concentrated exposure, whether to gold, PSUs, small caps, or infrastructure. Before considering a monthly 5000 investment plan, investors should analyse how the allocation fits within their broader portfolio and whether the overall exposure across all holdings remains adequately diversified.
Conclusion
A ₹5,000 monthly SIP provides an accessible and structured way to invest regularly in mutual funds across different categories. The funds in this list represent a range of asset classes, from gold FoFs and PSU thematic funds to small-cap and infrastructure-focused schemes, each with distinct risk and return characteristics.
Before starting a SIP, reviewing the fund’s category, expense ratio, and other metrics helps in making a more informed evaluation. Tools like the Tickertape Mutual Fund Screener provide 50+ filters to compare funds across returns, volatility, portfolio composition, and cost metrics.
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Frequently Asked Questions on SIP 5000 Per Month
Yes, most mutual fund schemes allow investors to start a SIP with ₹5,000 per month. Since many schemes accept SIPs starting from ₹500 or ₹1,000, a ₹5,000 SIP generally falls within the acceptable investment range across a wide variety of mutual fund categories.
As of 5th March 2026, mutual funds sorted based on 5Y CAGR performance include:
– LIC MF Gold ETF FoF
– HDFC Gold ETF FoF
– ICICI Prudential Gold ETF FoF
– Aditya Birla Sun Life Gold Fund
– Kotak Gold Fund
Disclaimer: The above list of best SIP for 5 years based on 5Y CAGR is for educational purposes only and is not recommendatory. Investors should conduct their own research or consult a financial advisor before making investment decisions.
To start a ₹5,000 SIP in mutual funds:
– Visit an investment platform such as smallcase that provides access to multiple mutual fund schemes.
– Research and compare funds using tools like the Tickertape Mutual Fund Screener, which allows filtering based on AUM, expense ratio, NAV, and other parameters.
– Select a fund and start a ₹5,000 monthly SIP through the platform.
Disclaimer: The above information is for educational purposes only and is not recommendatory. Please conduct your own research or consult a financial advisor before making investment decisions.
A ₹5,000 SIP allows investors to invest a fixed amount regularly into a mutual fund scheme. It enables periodic investing and spreads contributions over time rather than investing a lump sum at once.
Disclaimer: The above information is for educational purposes only and is not recommendatory. Please conduct your own research or consult a financial advisor before making investment decisions.
SIP investments are not risk-free. Mutual funds are subject to market risks, and the value of the investment may fluctuate depending on market conditions and the performance of the securities held in the portfolio.
Disclaimer: The above information is for educational purposes only and is not recommendatory. Please conduct your own research or consult a financial advisor before making investment decisions.
Investors can evaluate mutual funds using parameters such as fund category, AUM, expense ratio, historical returns, and portfolio composition. Platforms like the Tickertape Mutual Fund Screener allow users to filter and compare schemes across multiple data points.
Disclaimer: The above information is for educational purposes only and is not recommendatory. Please conduct your own research or consult a financial advisor before making investment decisions.
The return on a ₹5000 per month SIP for 5 years depends on factors such as the performance of the mutual fund, market conditions, expense ratio, and the fund’s portfolio. Since mutual fund returns are market-linked, the final value may vary. However, the total invested amount over 5 years would be ₹3,00,000 (₹5,000 × 60 months), excluding any gains generated by the fund.
Disclaimer: The above information is for educational purposes only and is not recommendatory.
The return on a ₹5000 per month SIP for 10 years depends on the fund’s performance and market conditions over the investment period. Because mutual fund returns are not fixed, the final corpus can vary. The total amount invested over 10 years would be ₹6,00,000 (₹5,000 × 120 months), excluding potential returns.
Disclaimer: The above information is for educational purposes only and is not recommendatory.
A ₹5,000 SIP for 10 years refers to investing ₹5,000 every month in a mutual fund scheme for 120 months. Over this period, the total investment amount would be ₹6,00,000, excluding returns generated by the scheme.
Disclaimer: The above information is for educational purposes only and is not recommendatory.
A ₹5000 SIP for 20 years involves investing ₹5,000 each month into a mutual fund for 240 months. Over this duration, the total invested amount would be ₹12,00,000. The returns on this would depend on various factors such as market conditions, type of fund, expense ratio and more.
Disclaimer: The above information is for educational purposes only and is not recommendatory.
