Systematic Investment Plans (SIPs) continue to be one of the most effective ways to build long-term wealth in India. Whether you’re a first-time investor or a seasoned pro, choosing the right mix of mutual funds is key to achieving your financial goals. For September 2025, experts at ETMutualFunds have curated SIP portfolios based on investor risk profiles and monthly investment capacity — offering a ready-made roadmap for smart investing.
How These Portfolios Are Built
The recommended SIP portfolios are designed using a rigorous methodology that evaluates:
- Mean Rolling Returns: Daily returns over the last 3 years to assess consistency
- Hurst Exponent (H): Measures volatility and trend persistence in NAV movements
- Downside Risk: Focuses only on negative returns to gauge risk exposure
- Jensen’s Alpha: Indicates how much a fund outperforms the market on a risk-adjusted basis
- Asset Size: Only funds with ₹50 crore+ AUM are considered for stability
This data-driven approach ensures that only high-performing, consistent funds make the cut.
SIP Portfolios by Risk Profile
Conservative Portfolio
Ideal for: Beginners, retirees, or risk-averse investors
Monthly SIP Range: ₹2,000–₹5,000
Fund Mix:
- Large-cap equity funds
- Hybrid funds (equity + debt)
- Short-duration debt funds
Top Picks:
- Bandhan Large & Mid Cap Fund
- HDFC Hybrid Equity Fund
- SBI Bluechip Fund
🟡 Moderate Portfolio
Ideal for: Investors seeking balanced growth with controlled risk
Monthly SIP Range: ₹5,000–₹10,000
Fund Mix:
- Flexi-cap funds
- Balanced advantage funds
- Mid-cap exposure
Top Picks:
- HSBC Flexi Cap Fund
- ICICI Prudential Balanced Advantage Fund
- UTI Mid Cap Fund
🔴 Aggressive Portfolio
Ideal for: Young investors or those with high risk tolerance and long-term goals
Monthly SIP Range: ₹10,000+
Fund Mix:
- Small-cap and mid-cap funds
- Sectoral/thematic funds
- High-alpha equity funds
Top Picks:
- Nippon India Small Cap Fund
- Quant Midcap Fund
- Motilal Oswal Nifty Smallcap 250 Index Fund
SIP Performance Trends (2025 Snapshot)
According to AMFI and ETMoney data:
| Tenure | Average SIP Returns (Equity Funds) |
|---|---|
| 3 Years | 13.5% – 15.2% CAGR |
| 5 Years | 14.8% – 17.1% CAGR |
| 10 Years | 15.5% – 18.3% CAGR |
Funds like Motilal Oswal Midcap Fund and ICICI Prudential Infrastructure Fund have delivered over 30% annualized returns in the last 5 years.
🧾 Additional Tips for SIP Investors
- Start early: The longer your investment horizon, the greater the compounding benefit
- Stay consistent: Avoid stopping SIPs during market downturns — volatility is your ally
- Review annually: Rebalance your portfolio based on life goals and fund performance
- Use direct plans: Lower expense ratios mean higher returns over time
- Avoid over-diversification: 4–6 funds are enough for most investors
🔗 Useful Resources
- ETMutualFunds SIP Portfolio for September 2025
- Best SIP Funds on ET Money
- Turn Your SIPs into Wealth — Summarise Finance Report
Whether you’re investing ₹2,000 or ₹20,000 a month, these curated SIP portfolios offer a smart, data-backed way to grow your wealth.
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