Best SIP Plans to Invest in 2025 at Rs. 2000

Often people hesitate to invest small amounts because they believe they need significant capital to generate wealth. However, with the help of a systematic investment plan (SIP), an investor can begin investing even with small amounts. Let’s look at the 10 best SIPs at Rs 2,000 per month.

Best SIPs at Rs 2,000 Per Month

Investing through an SIP allows a person to begin investing even with a small sum of money. With as little as Rs 2,000 per month, an investor can grow the corpus significantly over a few years. Here are the 3-year annualised returns of some of the best mutual fund schemes where investors could invest as little as Rs 2,000 for good returns in the long term.

(Data as of February 4, 2025)

 Overview of the Best SIPs for Rs 2,000 Per Month

Let’s take a closer look at the top SIPs where one can invest Rs 2,000 per month.

(Please note, data as of February 3, 2025)

Large Cap Funds

ICICI Prudential BHARAT 22 FoF Direct - Growth

•       3Y Annualised Returns – 29.42%
•       Carries very high risk
•       Minimum SIP Amount – Rs 1,000
•       Assets Under Management (AUM) – Rs 2,218.52 crore
•       99.9% of the funds allocated to equity, 0.1% held as cash
•       Expense Ratio – 0.12%
•       Inception Date – June 29, 2018

Nippon India Large Cap Fund Direct - Growth

•       3Y Annualised Returns – 19.25%
•       Carries very high risk
•       Minimum SIP Amount – Rs 100
•       AUM – Rs 35,699.99 crore
•       98.2% of the funds allocated to equity,0.7% to debt and 1.1% held as cash
•       Expense Ratio – 0.66%
•       Inception Date – January 1, 2013

Mid Cap Funds

Motilal Oswal Midcap Fund Direct - Growth

•       3Y Annualised Returns – 29.66%
•       Carries very high risk
•       Minimum SIP Amount – Rs 500
•       AUM – Rs 26,421.09 crore
•       90.8% of the funds allocated to equity and 9.2% held as cash
•       Expense Ratio – 0.66%
•       Inception Date – February 24, 2014

HDFC Midcap Opportunities Direct Plan - Growth

•       3Y Annualised Returns – 25.28%
•       Carries very high risk
•       Minimum SIP Amount – Rs 100
•       AUM – Rs 77,967.21 crore
•       90.5% of the funds allocated to equity and 9.5% held as cash
•       Expense Ratio – 0.76%
•       Inception Date – January 1, 2013

Small Cap Funds

Bandhan Small Cap Fund Direct - Growth

•       3Y Annualised Returns – 26.21%
•       Carries very high risk
•       Minimum SIP Amount – Rs 100
•       AUM – Rs 9,691.56 crore
•       90.3% of the funds allocated to equity, 0.1% to debt, and 9.7% held as cash
•       Expense Ratio – 0.40%
•       Inception Date – February 25. 2020

Invesco India Smallcap Fund Direct - Growth

•       3Y Annualised Returns – 23.80%
•       Carries very high risk
•       Minimum SIP Amount – Rs 500
•       AUM – Rs 6,298.05 crore
•       94.2% of the funds allocated to equity and 5.8% held as cash
•       Expense Ratio – 0.41%
•       Inception Date – October 30, 2018

Flexi Cap Funds

JM Flexicap Fund Direct Plan - Growth

•       3Y Annualised Returns – 24.30%
•       Carries very high risk
•       Minimum SIP Amount – Rs 100
•       AUM – Rs 5,338.35 crore
•       95.8% of the funds allocated to equity and 4.2% held as cash
•       Expense Ratio – 0.55%
•       Inception Date – January 1, 2013

HDFC Focused 30 Fund Direct Plan - Growth

•       3Y Annualised Returns – 23.26%
•       Carries very high risk
•       Minimum SIP Amount – Rs 100
•       AUM – Rs 15,641.91 crore
•       83.1% of the funds allocated to equity, 0.3% to debt, and 13.6% held as cash
•       Expense Ratio – 0.64%
•       Inception Date – January 1, 2013

Sectoral Fund

ICICI Prudential Infrastructure Direct - Growth

•       3Y Annualised Returns – 29.74%
•       Carries very high risk
•       Minimum SIP Amount – Rs 100
•       AUM – Rs 6,910.52 crore
•       93.8% of the funds allocated to equity, 0.9% to debt, and 4.7% held as cash
•       Expense Ratio – 1.21%
•       Inception Date – January 1, 2013

Equity Linked Savings Scheme (ELSS) Fund

SBI Long-Term Equity Fund Direct Plan - Growth

•       3Y Annualised Returns – 23.38%
•       Carries very high risk
•       Minimum SIP Amount – Rs 500
•       AUM – Rs 27,791.08 crore
•       90.3% of the funds allocated to equity, 0.1% to debt, and 9.6% held as cash
•       Expense Ratio – 0.95%
•       Inception Date – January 1, 2013

How Investing Through an SIP Can Help You

The recent surge in investing through an SIP has been due to its numerous benefits.

Flexibility

Investing through an SIP is convenient and flexible. By investing through this mode, one gets to choose the amount of money and the interval at which it is to be invested. Moreover, the SIP also offers the freedom to stop, pause, and resume the investment at will.

Compounding

SIPs offer the benefits of compounding to investors. An SIP of Rs 2,000 per month for 10 years can turn into a substantial corpus at the end of the period due to the benefits of compounding.

Better Cost-Price Average

Since the price of the security moves up and down, investors can accumulate more units when the price is low and fewer units at a higher price. As a result, investors can benefit from the cost-price average.

Helps Navigate Volatility

Short-term market volatility is often a deterrent to investors. However, investing through the SIP route can help investors ride out volatility since the amount invested is not huge and is spaced out over some time.

Things to Keep in Mind While Investing Through SIP

Investing through SIP offers many benefits. However, investors need to keep certain key points in mind before embarking on this route.

•       Assess your risk profile before picking an SIP. Equity funds carry a higher risk than debt funds. Further, small-cap funds are riskier than mid- and large-cap funds.
•       Invest for the long term. Equities tend to be volatile in the short term. However, investing for the longer term through SIP not only allows investors to enjoy the benefits of compounding but also navigate market cycles.
•       Stay disciplined and consistent. Avoid making impulsive decisions or withdrawing the investments prematurely.
•       Conduct regular reviews and monitor the performance of your portfolio. Make changes and reshuffle your portfolio as needed.

Conclusion

Through SIP, investors can invest small sums of money periodically. This eliminates the need to have a large capital. Additionally, SIP offers the benefit of compounding and a better cost-price average. To make the most of an SIP, it is important to know your investment goals, and risk appetite, and stay consistent.

Disclaimer: This blog is solely for educational purposes. The securities/investments quoted here are not recommendatory.

To read the RA disclaimer, please click here
Research Analyst - Bavadharini KS