SIP Plans for NRI
For NRIs, SIPs provide a structured and disciplined way to invest in India’s growing market. SIPs are a great option for long-term financial objectives because they let you make small, set contributions on a regular basis. This can help you enjoy the advantages of compounding, rupee cost averaging, ...read more
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Qualified Policybazaar expert will assist you What are SIP Plans for NRI?
SIP plans for NRIs are designed to help you tap into India’s dynamic economy and capitalise on market-linked investment opportunities. These plans offer a hassle-free way to invest in mutual funds.
Among the most remarkable aspects of SIPs is their systematic approach to investing, which minimises the impact of market volatility and helps you achieve long-term financial goals such as —
- Retirement planning
- Family security
- Tax savings
With the added advantage of tax benefits and access to attractive interest rates, SIP plans serve as a reliable investment vehicle for those seeking financial growth. Let’s find out more about SIP investment in India for NRIs.
Best SIP Plans for NRI 2025
The table below shows the best SIP for NRI in India, compared on the basis of annualised return and expense ratio —
| SIP Plans | Annualised Return (5-years) (%) | Expense Ratio (%) |
|---|---|---|
| ICICI Prudential Infrastructure Fund | 30.34 | 1.23 |
| SBI Bluechip Direct Plan Growth | 17 | 0.79 |
| Nippon India Small Cap Fund Direct - Growth | 35.73 | 0.68 |
| Baroda BNP Paribas Large Cap Fund Direct Growth | 18.8 | 0.82 |
| Aditya Birla Sun Life Medium Term Direct - Growth | 12.18 | 0.85 |
| Mirae Asset Large Cap Fund Direct - Growth | 15.94 | 0.55 |
| Kotak Bluechip Fund Direct Growth | 18.46 | 0.6 |
| Edelweiss Mid Cap Fund - Regular Plan | 29.77 | 1.74 |
| HDFC Flexi Cap Fund Direct - Growth | 23.34 | 0.77 |
| Axis Mid Cap Direct Plan-Growth Fund | 24.08 | 0.54 |
1. ICICI Prudential Infrastructure Fund
ICICI Prudential Infrastructure Direct-Growth is one of the best SIP plans for NRI, focusing on infrastructure investments. The fund primarily invests in sectors like financials, energy, construction, materials, and metals & mining. It has comparatively lower exposure to financial and energy sectors than most other funds in its category.
Top 5 Holdings:
- NTPC Ltd.
- ICICI Bank Ltd.
- Shree Cement Ltd.
- Larsen & Toubro Ltd.
- JM Financial Ltd.
2. SBI Blue Chip Fund
SBI Bluechip Direct Plan-Growth is a large-cap mutual fund from SBI Mutual Fund. This fund is ideal for investors who are looking to invest for a period of 3 to 4 years with the goal of achieving high returns.
Top 5 Holdings:
- Infosys Ltd.
- HDFC Bank Ltd.
- ITC Ltd.
- ICICI Bank Ltd.
- Larsen & Toubro Ltd.
3. Nippon India Small Cap Fund
Nippon India Small Cap Fund Direct-Growth primarily invests in sectors like capital goods, financials, services, consumer staples, and healthcare. As one of the best SIP plans for NRIs, this fund is suitable for investors with a long-term horizon.
Top 5 Holdings:
- HDFC Bank Ltd.
- Multi Commodity Exchange Of India Ltd.
- Tube Investments Of India Ltd.
- Kirloskar Brothers Ltd.
- Apar Industries Ltd.
4. Baroda BNP Paribas Large Cap Fund
By investing in a diverse and actively managed portfolio of equities and equity-related assets, this SIP investment for NRI aims to provide long-term capital growth. Its main concentration is on large-cap businesses that can provide growth without much risk.
Top 5 Holdings:
- Reliance Industries Ltd.
- HDFC Bank Ltd.
- Tata Consultancy Services Ltd.
- ICICI Bank Ltd.
- Larsen & Toubro Ltd.
5. Aditya Birla Sun Life Medium Term Fund
The Aditya Birla Sun Life Medium Term Plan is a debt mutual fund scheme launched in 1994. It primarily focuses on lending to good-quality borrowers, offering a moderate credit profile. It invests in sectors such as government securities, microfinance, and steel.
This SIP investment in India is designed to generate both regular income and capital appreciation by investing in debt securities with a medium-term maturity. It's suitable for investors looking for a balance between safety and growth.
Top 5 Holdings:
- GOI securities
- CreditAccess Grameen Ltd.
- Belstar Microfinance Pvt Ltd.
- JSW Steel Ltd.
- Adani Airport Holdings Ltd.
6. Mirae Asset Large Cap Fund
Mirae Asset Large Cap Fund Direct-Growth is a large-cap mutual fund that has demonstrated an excellent record of doubling investors’ money in the previous 5 years. As a prominent option regarding the best SIP for NRI, it is suitable for investors with a medium to long-term investment horizon.
It is well-suited for those seeking high returns but who are also prepared to handle moderate risks and potential losses along the way.
Top 5 Holdings:
- HDFC Bank Ltd.
- Kotak Mahindra Bank Ltd.
- ICICI Bank Ltd.
- Tata Consultancy Services Ltd.
- Larsen & Toubro Ltd.
7. Kotak Bluechip Growth
The fund has consistently delivered strong returns, with a focus on capital appreciation. It has demonstrated an ability to manage losses during market downturns, making it a solid choice for long-term investors.
This SIP investment for NRI targets large-cap companies that are relatively stable compared to the broader market. It selects stocks based on factors like financial strength, management strategies, reputation, and liquidity, aiming to provide steady growth with reduced risk.
Top 5 Holdings:
- HDFC Bank Ltd.
- ICICI Bank Ltd.
- Reliance Industries Ltd.
- Infosys Ltd.
- Larsen & Toubro Ltd.
8. Edelweiss Mid Cap Fund
The Edelweiss Mid Cap Fund focuses on equity and equity-related securities of mid-cap companies. With 97.11% of investments in domestic equities, it has a significant portion in mid-cap stocks. The fund is suitable for investors with a 3-4 year horizon seeking higher returns, with moderate risks.
Top 5 Holdings:
- Dixon Technologies Ltd.
- Persistent Systems Ltd.
- Lupin Ltd.
- PB Fintech Ltd.
- Federal Bank Ltd.
9. HDFC Flexi Cap
HDFC Flexi Cap Fund Direct Plan-Growth, launched in 1999, is ideal for investors looking for high returns. This fund allows you to take advantage of investments across various market caps without any restrictions. With it, you get access to stocks in financials, healthcare, automobile, technology, and construction sectors.
Top 5 Holdings:
- ICICI Bank Ltd.
- Axis Bank Ltd.
- HDFC Bank Ltd.
- Kotak Mahindra Bank Ltd.
- Cipla Ltd.
10. Axis Mid Cap Fund
Axis Midcap Direct Plan-Growth focuses on mid-cap stocks and is suitable for investors with a long-term horizon seeking higher returns. While it offers the potential for higher returns over time, investors should be prepared for fluctuations along the way.
Top 5 Holdings:
- Persistent Systems Ltd.
- Pi Industries Ltd.
- The Indian Hotels Company Ltd.
- Trent Ltd.
- Fortis Healthcare Ltd.
SIP Calculator
How Does an SIP Investment Plan Work for NRIs?
An SIP plan for NRI offers a structured and disciplined approach to investing. Here's how it works —
Step 1: Select the Best SIP Plan
Initiate the process by choosing an SIP plan that matches your financial goals and risk tolerance. It’s best to compare the performance, objectives, and features of different SIP options to identify the most suitable plan for your needs.
Step 2: Decide on the Investment Amount
Determine how much you want to invest regularly, whether monthly, quarterly, or annually. Select the investment amount that aligns with your budget and financial goals.
Step 3: Complete the Required Formalities
Fill in the necessary details and complete your payment to activate your SIP plan. Ensure that all documentation is in place for a smooth investment process.
Step 4: Fund Manager Invests Your Money
Once your SIP is active, the fund manager will allocate your money to various assets such as equities, bonds, money market instruments, and cash (as per the fund's objectives).
Step 5: Regular Deductions for Investment
On the scheduled date, the specified SIP amount will be automatically deducted from your account and used to buy units of the chosen fund at its current Net Asset Value (NAV).
Step 6: Long-term Growth and Adjustments
Over time, your SIP investments will grow as per the performance of the fund. You can adjust your contributions as your financial goals evolve or based on market conditions.
Note: The returns from your SIP investment will depend on the performance of your selected fund.
Example: If you invest Rs. 15,000 (AED 653)* per month with an expected annual return of 10% for 6 years, the total investment would be Rs. 10,80,000 (AED 47,040)* (Rs. 15,000 x 72 months). After 6 years, using an SIP calculator, the maturity value could be Rs. 14,83,934, with Rs. 4,03,934 (AED 17,594)* estimated returns.
This highlights how SIPs not only help in wealth creation but also provide a balanced approach to financial planning.
* INR to AED rates are subject to change.
SIP Investment Mistakes to Avoid
To maximise returns from SIP investments for NRI, it’s essential to avoid common mistakes. Here are key pitfalls to watch out for —
| Ignoring Risk Tolerance | Failing to assess your risk tolerance can lead to selecting unsuitable funds. Choose funds that align with your ability to handle market fluctuations. |
|---|---|
| Overreacting to Market Volatility | Market fluctuations are natural. Panic selling during downturns can harm your investments. SIPs work best when held consistently through market ups and downs. |
| Investing for Short-Term Gains | SIPs are meant for long-term growth. Avoid chasing short-term profits and stay committed to your investment horizon for better outcomes. |
| Neglecting Diversification | Concentrating your investments in one fund increases risk. Diversify across various sectors and asset classes to enhance stability. |
| Ignoring Expense Ratios | High expense ratios can erode your returns. Opt for funds with lower management fees to maximize your investment growth. |
| Lacking Discipline | Consistency is key. Avoid skipping payments or withdrawing funds prematurely — sticking to your SIP plan is essential for long-term success. |
Using an SIP Calculator to Estimate Your Returns
An SIP calculator is a useful tool for NRIs to estimate the returns from SIP investments for NRI. The calculator takes into account various parameters such as the investment amount, investment duration, and expected rate of return.
With the SIP calculator, you can easily calculate the —
- Total Amount Invested
- Returns Earned
- Final Value of the Investment
With an SIP calculator, you can make informed decisions about your investments, helping you understand the potential growth of your wealth in the long term.
Frequently Asked Questions
SIPs are ideal for long-term planners, beginners, small, and low-risk investors.
Yes, NRIs can invest in SIPs in India. To do so, however, you must have an NRE or NRO bank account and comply with FEMA regulations.
Yes, investing in India offers NRIs access to one of the world's fastest-growing economies, potentially higher returns, and a range of diverse investment options.
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