💡”If you don’t understand the stock market, then mutual funds are your perfect friend…”
Friends, not everyone is an expert in the stock market… and there is no need to be. Not everyone has the time to watch charts, knowledge of technical analysis or patience to follow the market every day.
But this does not mean that you cannot make ₹ 1 crore.
If you are from a middle-class family, have a fixed salary, and you can save only ₹ 5000 or ₹ 10000 per month… then SIP in mutual funds is a golden path for you.
This is such an investment tool where:
- You do not need to have knowledge of stock market
- Expert fund managers invest your money smartly
- You can create a big corpus with small amount
- And the biggest thing – risk is also controlled
“Focus on your work, the money will work for you – just start SIP.”
I am an average investor myself and I believe – investing in stock market without understanding is a mistake, but mutual fund SIP is an intelligent decision, especially when the goal is clear: to make Rs. 1 crore, safely and smartly.
So you want to build ₹1 crore through SIP? Great! But here’s the real question…
“Which mutual funds should I choose for consistent long-term growth in 2025?”I’ve been in your shoes, overthinking and over-Googling every possible option. So in this blog, I’ll walk you through exactly what I think, how you can start, and which 5 mutual funds I believe are strong bets in 2025 — especially if you’re starting small but thinking BIG.
💡 Is it possible to earn ₹1 Cr through SIP?
Brother, I am telling you the truth – if you invest ₹10,000 every month, and the fund gives you 12% return, then you can make ₹1 crore in 20 years.
“SIP is a small instalment but its power is big – like the ocean from each drop.”
👶 How to start if you are a beginner?
If you are completely new, then follow these steps:
- Choose 2-3 funds (mentioned below)
- Start SIP with ₹500–₹1000
- Use trusted apps like Groww , Zerodha or Dhan
- Set up auto-debit from bank
- Market will be up and down, don’t panic – think for the long-term
🔝 Top 5 Mutual Funds 2025
1. 💥 Motilal Oswal Midcap Fund
- Return: ~36% CAGR last 5 years
- What makes it special: Midcap is the king of growth – if you know how to take a little high risk, then this is a great option.
- suggestion: Invest ₹2000/month – it can become a rocket in the long term🚀
2. 🔥 Quant Small Cap Fund
- Return: ~45% CAGR last 5 years top performer
- What’s special: Aggressive aur active strategy – high risk, high return
- suggestion: invest ₹1500-2000/month – for a solid small cap
3. 🚀 Nippon India Small Cap Fund
- Return: ~38% CAGR last 5 years
- What’s special: Small cap exposure more (~55%) –It is a bit balanced too
- suggestion: If you are afraid of risk, then it is better to take this instead of Quant
4. 🌍 Parag Parikh Flexi Cap Fund
- Return: ~27% CAGR last 5 years
- What’s special: India + Global stock mix, value investing style, low risk
- suggestion: ₹3500/month Invest in this fund – Safe and long-term trusted
5. 📈 HDFC Midcap Opportunities Fund
- Return: ~32–33% CAGR last 5 years
- What’s special: Stable, reliable, time-tested midcap performer
- suggestion: ₹1500–2000/month Invest – risk is controlled, returns are also good
📊 My SIP Allocation Plan – ₹10,000/month
| Mutual Fund | Allocation | ₹/month |
|---|---|---|
| Parag Parikh Flexi Cap | 35% | ₹3,500 |
| Motilal Oswal Midcap | 20% | ₹2,000 |
| HDFC Midcap Opportunities | 15% | ₹1,500 |
| Quant Small Cap Fund | 15% | ₹1,500 |
| Nippon India Small Cap Fund | 15% | ₹1,500 |
🧮 ₹1 Cr Ke Liye Kitna SIP Chahiye?
| Time (Years) | Return (CAGR) | Monthly SIP |
| 30 years | 12% | ₹ 3000 |
| 20 years | 12% | ₹10,000 |
| 15 years | 12% | ₹18,500 |
| 10 years | 15.5% | ₹35,000 |
Use SIP Calculator
📲 Invest Kaha se Kare?
| App Name | Kyun Pasand Hai | Link |
| Dhan | Simple + Direct Plan SIP+Zero commission +trusted | Open Account |
| Groww | Simple + Direct Plan SIP | Open Account |
| Zerodha Coin | Zero commission, trusted | Open Account |
| ET Money | Goal-based investing | Try Now |
🎥 Best YouTube Channels
- CA Rachana Ranade – A to Z explained
- Pranjal Kamra – Deep, simple
- Groww Hindi Channel – For daily market gyaan
- Invest Aaj For Kal – Hindi me desi baat
🙋♂️ FAQs – My own questions when I started
1. Can SIP be started from ₹500/month?
➡️ Yes! Many funds give the option to start from ₹100-500.
2. What will happen if SIP is missed?
➡️ Nothing is fine, but if you keep auto-debit then it is good for discipline.
3. Is money safe in SIP?
➡️ There is market-linked risk, but mutual funds build wealth in the long term.
4. Which plan should I take, Direct or Regular?
➡️ Take Direct plan – you will get more return. Use Groww or Zerodha.
5. SIP vs Lumpsum?
➡️ Every month SIP is better if you have regular income. If bonus comes then you can also invest in lump sum.
6. Is it possible to earn ₹1 Cr?
➡️ Yes, it is 100% possible – just need time + patience.
7. Till when should I stay invested?
➡️ Minimum 10 years – the magic of compounding is seen only then.
🧠 Final Thoughts from My Self
“I think if you start a SIP of ₹10,000/month, then making ₹1 crore is not a dream, it is a plan.”
Start, review, and stay uncomplicated. Fund returns will fluctuate, but your vision must be strong.
✅ Time to take action (CTA)
🔓Start your SIP today – your ₹1 crore journey begins with:
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