Want to grow your money but don’t know where to start? You’re not alone. The good news is you don’t need a huge budget or years of experience. A SIP (Systematic Investment Plan) lets you invest small amounts regularly, making it easy to build wealth over time.
Here are the top 5 SIPs for beginners in 2026 that give low-risk, steady returns.
1. Axis Bluechip Fund
Looking for stability? Axis Bluechip Fund invests in large, well-established companies. Less risk, steady growth—it’s perfect if you’re just starting out.
Why beginners love it:
- Invests in big, trusted companies
- Consistent returns
- Lower ups and downs compared to smaller funds
2. HDFC Balanced Advantage Fund
Not sure how much risk you can handle? This fund automatically balances equity and debt based on market conditions. It keeps your money growing without you stressing over market swings.
Why it works for beginners:
- Reduces risk automatically
- Diversified portfolio
- Potential for steady growth
3. ICICI Prudential Equity & Debt Fund
Want a mix of growth and safety? This hybrid fund splits money between stocks and debt, giving beginners a taste of the market while cushioning them from big losses.
Why beginners choose it:
- Balanced risk and returns
- Portfolio rebalanced regularly
- Easy to start with small monthly amounts
4. SBI Small Cap Fund (Slightly Aggressive Option)
Ready for slightly higher returns? SBI Small Cap Fund invests in smaller companies with growth potential. It’s riskier than big-cap funds but can pay off over the long term.
Why consider it:
- Higher growth potential
- Invests in emerging companies
- Best for 5+ year horizon
5. Nippon India Liquid Fund (Ultra-Low Risk Option)
Want to play it safe? Liquid funds like Nippon India Liquid Fund are low-risk and easily accessible. Returns are smaller but stable—great for beginners who want peace of mind.
Why it’s beginner-friendly:
- Very low risk
- High liquidity
- Perfect for short-term savings
How to Get Started
- Decide your goal: retirement, house, or emergency savings.
- Pick a fund that matches your risk comfort.
- Start small—even ₹500–₹1,000 per month works.
- Automate your SIP so you never miss a payment.
- Check performance every 6–12 months and stay invested.
Starting a SIP today, even with small amounts, can grow into something meaningful over time. These five beginner-friendly options make it simple to start, stay safe, and watch your money grow.