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Top 10 Best SIP Mutual Fund Plans to invest in 2020
December 2, 2019  Suresh KP
Top 10 Best SIP Mutual Fund Plans
to invest in 2020
In the last two years, there has been
few trends that gave direction to
the mutual fund schemes. It could
be SEBI re-categorization of mutual
fund schemes, the down trend in
midcap and small cap funds to name
a few. Mutual Funds through SIP has
always rewarded investors in the
medium to long term in spite of
several such changes. There are several benefits of investing through SIP in mutual
fund schemes. Like every year, even this year, we are providing Top 10 Best SIP Mutual
Fund Plans to invest in India in 2020.
Also Read: Best SIP Plans for 5 years to invest in India
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What are SIPs in Mutual Funds?
If you are already familiar about SIPs in MFs, you can skip this section.
Mutual funds pool money from investors and invest in equity and debt instruments
based on the investment object. Systematic Investment Plan (SIP) in mutual funds is
where one can invest small amounts at periodic intervals and accumulate wealth over a
period of time. Mutual Funds can be invested either daily or weekly or fortnightly or
monthly or quarterly. Most favorable one is monthly SIP.
How does SIP Mutual Funds Work?
Investing in SIP Mutual Funds are simple. Once you choose Best SIP Plans to invest
through a mutual fund platform, your money would be automatically debited in your
bank account and invested in buying units of a mutual fund which you have opted on a
the specific date chosen by you. The number of MF units would be allocated to you
based on the NAV of the mutual fund on the date of purchase. NAV would fluctuate
based on the underlying stocks invested by the mutual fund scheme.
What are the benefits of SIP / Why to invest in SIP Mutual Funds?
Here are the major benefits and reasons to invest in SIP mutual funds.
1) Rupee Cost Averaraging – It benefits from Rupee Cost Averaging. If the stock
markets are low, the NAV of your mutual fund scheme would be low, but you would get
higher number of MF units. On the other hand, if stock markets are high, the NAV of
your mutual fund scheme could be high and you would get a lower number of MF units.
2) Power of Compounding Returns – When you invest in mutual fund through SIP, you
would get returns every year based on the underlying stocks invested. Such returns
would get compounded year on year and you can create more wealth due to
compounding power.
3) You would cultivate with disciplined savings.
4) SIP in mutual funds provides flexibility about investing and taking out money.
However, one should invest in mutual funds for long term to reap the benefits.
best equity mutual funds to invest stocks to buy now
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3. 5) Mutual Funds SIPs provide higher returns compared to FD or RD. While FD/RDs
provide 6% to 7.5% annualized returns, SIP mutual funds can earn between 12% to 18%
annualized returns.
What is the methodology we considered in picking up these mutual funds?
Below is the methodology we have used to pick-up Best SIP Mutual Fund Plans to invest
in 2020.
1) Mutual Fund schemes that have performed well in the last 5-10 years are considered
here.
2) Mutual Fund schemes that have performed well in various stock market cycles are
further filtered.
3) 2-3 Mutual Fund schemes from various mutual fund categories like large cap, midcap,
smallcap, hybrid have been selected.
4) Funds that are rated 5 star, 4 star, 3 star by value research online are considered.
5) Majority of these funds are already recommended by us, hence if you have already
invested, it could be repetition for you.
Top 10 Best SIP Mutual Fund Plans to invest in 2020
Here is the list of Top 10 Mutual Funds to invest through SIP in 2020.
#1 – Mirae Asset Large Cap Fund
#2 – Axis Bluechip Fund
#3 – SBI Bluechip Fund

4. #4 – Mirae Asset Emerging Bluechip Fund
#5 – SBI Small Cap Fund
#6 – Kotak Emerging Equity Fund Regular Plan
#7 – Kotak Standard Multicap Fund Regular Plan
#8 – Franklin India Focused Equity Fund
#9 – SBI Equity Hybrid Fund
#10 – HDFC Hybrid Equity Fund
Now let us jump into an individual mutual fund scheme about their performance and
their ratios.
Top and Best Largecap SIP Mutual Fund Plans to invest in 2020
In the large cap segment we are recommending 3 mutual fund schemes that can be
invested through Systematic Investment Plan (SIP).
#1 – Mirae Asset Large Cap Fund
Investment Objective: The scheme aims to maximize long term capital appreciation by
finding investment opportunities resulting from Indian economic growth and its
structural shifts through investing in equity and equity related securities.
Performance and Ratios of the fund
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5. Fund Mirae Asset Large Cap Fund
Category Largecap
Returns in 3mth 9.6%
Returns in 1 year 13.7%
Annualised Returns in 3 years 15.6%
Annualised Returns in 5 years 11.7%
Annualised Returns in 10 years 14.9%
Exp Ratio 5 Star
Net Assets (AUM) Rs Crs 15,897
1 Lakh invested 3 years back is now 1.55 Lakhs
1 Lakh invested 5 years back is now 1.74 Lakhs
1 Lakh invested 10 years back is now 4 Lakhs
Standard Deviation 12.77
Sharpe Ratio 0.53
Sortino Ratio 0.83
Beta 0.95
Alpha -1.20
R-Squared 0.92
#2 – Axis Bluechip Fund
Investment Objective: The scheme aims to generate long term capital growth by
investing in a diversified portfolio predominantly consisting of equity & equity related
instruments of large cap companies.
Performance and Ratios of the fund
Fund Axis Bluechip Fund
Category Largecap
Returns in 3mth 8.0%
Returns in 1 year 20.9%
Annualised Returns in 3 years 19.3%
Annualised Returns in 5 years 10.3%
Annualised Returns in 10 years -
Exp Ratio 5 Star

6. Net Assets (AUM) Rs Crs 8,749
1 Lakh invested 3 years back is now 1.7 Lakhs
1 Lakh invested 5 years back is now 1.63 Lakhs
1 Lakh invested 10 years back is now NA
Standard Deviation 12.72
Sharpe Ratio 0.76
Sortino Ratio 1.02
Beta 0.86
Alpha 2.50
R-Squared 0.75
#3 – SBI Bluechip Fund
Investment Objective: The scheme seeks to provide investors with opportunities for
long-term growth in capital through an active management of investments in a
diversified basket of large cap equity stocks (as specified by SEBI/AMFI from time to
time).
Performance and Ratios of the fund
Fund SBI Bluechip Fund
Category Largecap
Returns in 3mth 9.5%
Returns in 1 year 13.0%
Annualised Returns in 3 years 11.3%
Annualised Returns in 5 years 9.5%
Annualised Returns in 10 years 11.9%
Exp Ratio 4 Star
Net Assets (AUM) Rs Crs 23,585
1 Lakh invested 3 years back is now 1.38 Lakhs
1 Lakh invested 5 years back is now 1.58 Lakhs
1 Lakh invested 10 years back is now 3.08 Lakhs
Standard Deviation 12.91
Sharpe Ratio 0.24
Sortino Ratio 0.37
Beta 0.91

7. Alpha -4.50
R-Squared 0.82
Top & Best Midcap/Smallcap SIP Mutual Fund Plans to invest in 2020
Here we are recommending 3 Best mutual fund schemes from Midcap and Smallcap
segment that can be invested through Systematic Investment Plan (SIP).
#4 – Mirae Asset Emerging Bluechip Fund
Investment Objective: To generate income and capital appreciation from a diversified
portfolio predominantly investing in Indian equities and equity related securities of
large cap and midcap companies at the time of investment.
Performance and Ratios of the fund
Fund Mirae Asset Emerging Bluechip Fund
Category Midcap
Returns in 3mth 10.5%
Returns in 1 year 16.1%
Annualised Returns in 3 years 16.6%
Annualised Returns in 5 years 16.5%
Annualised Returns in 10 years -
Exp Ratio 5 Star
Net Assets (AUM) Rs Crs 8,868
1 Lakh invested 3 years back is now 1.58 Lakhs
1 Lakh invested 5 years back is now 2.14 Lakhs
1 Lakh invested 10 years back is now NA
Standard Deviation 14.68
Sharpe Ratio 0.49
Sortino Ratio 0.79
Beta 1.03
Alpha 1.34
R-Squared 0.88
#5 – SBI Small Cap Fund

8. Investment Objective: The scheme seeks to provide investors with opportunities for
long-term growth in capital along with the liquidity of an open-ended scheme by
investing predominantly in a well diversified basket of equity stocks of small cap
companies.
Performance and Ratios of the fund
Fund SBI Small Cap Fund
Category Smallcap
Returns in 3mth 11.0%
Returns in 1 year 9.3%
Annualised Returns in 3 years 14.5%
Annualised Returns in 5 years 16.2%
Annualised Returns in 10 years 18.1%
Exp Ratio 5 Star
Net Assets (AUM) Rs Crs 2,915
1 Lakh invested 3 years back is now 1.5 Lakhs
1 Lakh invested 5 years back is now 2.12 Lakhs
1 Lakh invested 10 years back is now 5.26 Lakhs
Standard Deviation 19.49
Sharpe Ratio 0.32
Sortino Ratio 0.53
Beta 0.86
Alpha 9.69
R-Squared 0.83
#6 – Kotak Emerging Equity Fund Regular Plan
Investment Objective: The scheme seeks to generate long-term capital appreciation
from a portfolio of equity and equity related securities, by investing predominantly in
mid companies.
Performance and Ratios of the fund
Fund Kotak Emerging Equity Fund Regular Plan
Category Midcap
Returns in 3mth 10.5%

9. Returns in 1 year 10.3%
Annualised Returns in 3 years 10.0%
Annualised Returns in 5 years 11.1%
Annualised Returns in 10 years 14.6%
Exp Ratio 3 Star
Net Assets (AUM) Rs Crs 5,341
1 Lakh invested 3 years back is now 1.33 Lakhs
1 Lakh invested 5 years back is now 1.69 Lakhs
1 Lakh invested 10 years back is now 3.89 Lakhs
Standard Deviation 15.65
Sharpe Ratio 0.11
Sortino Ratio 0.16
Beta 0.85
Alpha 0.54
R-Squared 0.95
Top Multicap SIP Mutual Fund Plans to invest in 2020
In Multicap / diversified mutual fund segment we are recommending 2 SIP Mutual Fund
Schemes.
#7 – Kotak Standard Multicap Fund Regular Plan
Investment Objective: The scheme seeks to generate longterm capital appreciation
from a portfolio of equity and equity related securities, generally focused on a few
selected sectors.
Performance and Ratios of the fund
Fund Kotak Standard Multicap Fund Regular Plan
Category Multicap
Returns in 3mth 9.0%
Returns in 1 year 14.2%
Annualised Returns in 3 years 14.0%
Annualised Returns in 5 years 11.3%
Annualised Returns in 10 years 13.7%
Exp Ratio 5 Star

10. Net Assets (AUM) Rs Crs 28,348
1 Lakh invested 3 years back is now 1.48 Lakhs
1 Lakh invested 5 years back is now 1.7 Lakhs
1 Lakh invested 10 years back is now 3.59 Lakhs
Standard Deviation 14.74
Sharpe Ratio 0.22
Sortino Ratio 0.37
Beta 0.98
Alpha -1.72
R-Squared 0.84
#8 – Franklin India Focused Equity Fund
Investment Objective: The scheme seeks to achieve capital appreciation through
investing predominantly in Indian companies/sectors with high growth rates or
potential.
Performance and Ratios of the fund
Fund Franklin India Focused Equity Fund
Category Multicap
Returns in 3mth 10.3%
Returns in 1 year 12.9%
Annualised Returns in 3 years 11.3%
Annualised Returns in 5 years 9.0%
Annualised Returns in 10 years 14.3%
Exp Ratio 4 Star
Net Assets (AUM) Rs Crs 8,714
1 Lakh invested 3 years back is now 1.38 Lakhs
1 Lakh invested 5 years back is now 1.54 Lakhs
1 Lakh invested 10 years back is now 3.8 Lakhs
Standard Deviation 14.74
Sharpe Ratio 0.22
Sortino Ratio 0.37
Beta 0.98

11. Alpha -1.72
R-Squared 0.84
Best Hybrid / Balanced SIP Mutual Fund Plans to invest in 2020
In Hybrid / Balanced mutual fund segment we are recommending 2 Mutual Fund Plans
to invest through SIP.
#9 – SBI Equity Hybrid Fund
Investment Objective: The scheme seeks to provide investors long-term capital
appreciation along with the liquidity of an open-ended scheme by investing in a mix of
debt and equity. The scheme will invest in a diversified portfolio of equities of high
growth companies and balance the risk through investing the rest in fixed income
securities.
Performance and Ratios of the fund
Fund SBI Equity Hybrid Fund
Category Aggressive Hybrid
Returns in 3mth 8.1%
Returns in 1 year 16.0%
Annualised Returns in 3 years 11.9%
Annualised Returns in 5 years 10.4%
Annualised Returns in 10 years 12.1%
Exp Ratio 5 Star
Net Assets (AUM) Rs Crs 30,906
1 Lakh invested 3 years back is now 1.4 Lakhs
1 Lakh invested 5 years back is now 1.64 Lakhs
1 Lakh invested 10 years back is now 3.14 Lakhs
Standard Deviation 9.74
Sharpe Ratio 0.40
Sortino Ratio 0.70
Beta 0.82
Alpha -0.76
R-Squared 0.79

12. #10 – HDFC Hybrid Equity Fund
Investment Objective: The Scheme seeks to generate capital appreciation / income
from a portfolio, predominantly of equity & equity related instruments
Performance and Ratios of the fund
Fund HDFC Hybrid Equity Fund
Category Aggressive Hybrid
Returns in 3mth 5.6%
Returns in 1 year 8.5%
Annualised Returns in 3 years 9.3%
Annualised Returns in 5 years 8.9%
Annualised Returns in 10 years 13.8%
Exp Ratio 4 Star
Net Assets (AUM) Rs Crs 21,087
1 Lakh invested 3 years back is now 1.31 Lakhs
1 Lakh invested 5 years back is now 1.53 Lakhs
1 Lakh invested 10 years back is now 3.66 Lakhs
Standard Deviation 9.86
Sharpe Ratio 0.22
Sortino Ratio 0.40
Beta 0.85
Alpha -2.67
R-Squared 0.83
You may like: Top Performing Mutual Funds in 20 years
Top 10 Best SIP Mutual Funds for 2020 – 3 months to 10 year performance

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Top 10 Best SIP Mutual Fund Plans to invest in 2020

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 4 comments
4 comments
DEEPAK RANJAN BISWAS
December 3, 2019 at 6:37 am
Excellent piece of selection cum analysis for 2020.
Reply
Suresh KP
December 4, 2019 at 2:58 pm
Thank you Deepak. Which mutual funds you are investing now? Have you changed
anything post the under performance of midcap/smallcap funds in the last 1-2 years?
Reply
Vivek
December 2, 2019 at 12:15 pm
Totally different recommendations compared to previous years. Changing times !!
Reply
Suresh KP
December 4, 2019 at 2:52 pm
Hello Vivek, There are change in few funds, otherwise, not totally different. You may
recheck. Most of the funds recommended here are already recommended in various
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articles in the last 2-3 years. It is that we picked only top funds in each category
Reply
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