Best SIP Plans for 3 Years in 2026: Build Wealth with Stability
Posted by : Kashish Aggarwal | Thu Feb 26 2026
The best SIP plans for 3 years is a popular investment approach for medium-term financial goals. It is useful for investors saving for a car, wedding expenses, or home renovation. Before choosing the best SIP plan for 3 years, follow this step-by-step guide to conduct thorough research and evaluate the criteria. Firstly, an investor must identify their financial goals and risk tolerance, which determine the best SIP mutual fund investment strategy. Next, they should conduct extensive research on different SIP funds available in the market.
Investing in the best SIP plan for 3 years can offer potential returns, encourage disciplined investing, distribute risk, provide flexibility and liquidity, and leverage professional fund management behaviour. It is ideal for short-term goals, while its flexibility adapts to changing financial objectives and market conditions.
Best SIP Plan for 3 Years: An Overview
Investing in an SIP mostly involves committing a fixed amount at regular intervals. Some of its key features include:
- Diversification: The best SIP plan for 3 years offers a wide range of securities, which helps diversify the portfolio and reduce risk. Some funds are also used to invest across various asset classes, including stocks, bonds, and other asset classes.
- Potential Returns: Choosing the best SIP plan for 3 years can help investors willing to accept potential returns, especially when it comes to well-performing funds. With the passage of time, the power of compounding can significantly impact long-term investment returns.
- Highly Volatile: Equity and small-cap funds experience significant fluctuations, making them unsuitable for the best SIP plan for 3 years and potentially leading to temporary investment losses in the long run.
- Flexibility & Liquidity: The Mutual Fund SIP plan for 3 years offers flexibility, which allows investors to choose the investment amount and frequency based on their financial capabilities. Although SIPs provide liquidity, which allows investments to be redeemed.
Best SIPs to Invest in 2026 for 3 Years
Here is a list of the best SIPs for 3 years that investors should consider, Here below are the name of it:
| Fund Name | AUM (in crores) | 2 Years Return (in%) | 3 Year Return (in%) | Minimum Investment | Return Since Launch (in%) |
| Motilal Oswal Gold and Passive FoF Direct-Growth | ₹426.41 | 44.06 | N/A | ₹500 | 33.66 |
| Axis Silver FoF Direct-Growth | ₹176.82 | 49.56 | 37.81 | ₹5,000 | 40.01 |
| Mirae Asset Large Cap Fund | ₹1,188 | 14.94 | 13.28 | ₹5,000 | 15.79 |
| ICICI Prudential Silver ETF FoF Direct-Growth | ₹1,834.84 | 49.85 | 38.50 | ₹100 | 28.42 |
| Axis Large Cap Fund Direct Growth | ₹70.60 | 10.14 | 14.29 | ₹100 | 14.22 |
| Edelweiss Gold and Silver ETF FoF Direct-Growth | ₹469.17 | 46.06 | 35.28 | ₹100 | 35.32 |
| SBI Gold Fund-Growth | ₹4,739.69 | 43.08 | 31.87% | ₹5,000 | 9.41 |
| ICICI Prudential Infrastructure Fund | ₹8,077 | 10.06 | 25.76 | ₹100 | 5.67 |
| UTI Gold ETF FoF Direct-Growth | ₹322.01 | 43.82 | N/A | ₹5,000 | 33.36 |
| HDFC Silver ETF FoF Direct Growth | ₹516.79 | 49.77 | N/A | ₹100 | 40.8 |
Details You Should Know About the Best SIP Plans for 3 Years
Below are the details of the best SIP plans for 3 years:
Motilal Oswal Gold and Passive FoF Direct-Growth
| Parameter | Details |
| Fund Name | Motilal Oswal Gold and Passive FoF Direct-Growth |
| NAV | ₹32.69 |
| AUM | ₹426.41 crores |
| Expense Ratio | 0.14% |
| Return 5 years | N/A |
| Minimum Investment | SIP ₹1000 & Lumpsum ₹500 |
| Risk Level | Principal at very high risk |
| Launch Date | 13th October, 2022 |
| Asset Allocation | Debt: 1.69%, Others: -1.2%, Commodities: 99.52% |
| Top Holdings | ICICI Prudential Gold Exchange Traded Fund IDCWMotilal Oswal Gold ETF-GrowthMotilal Oswal Silver ETF-GrowthNippon India Silver ETF-GrowthOthers CBLOReverse Repo/CBLONet Payables |
| Fund Type | Open-ended |
Axis Silver FoF Fund Regular-Growth
The investment objective of Axis Silver FoF Fund Regular-Growth is to maintain long-term capital appreciation by selecting the best SIP Investment plan for 3 years, with the aim of securing units in Axis Silver ETF. The scheme aims to replicate the returns of the Axis Silver ETF by tracking its holdings.
Below are the details of the best SIP Investment Plan for 3 years:
| Parameter | Details |
| Fund Name | Axis Silver FoF Regular – Growth |
| NAV | ₹43.14 |
| AUM | ₹176.82 crores |
| Expense Ratio | 0.71% |
| 1-Year Return | 78.54% |
| 2-Year Return | 48.83% |
| Minimum Investment | SIP ₹1000 & Lumpsum ₹5,000 |
| Risk Level | Principal at very high risk |
| Launch Date | 21st September, 2022 |
| Asset Allocation | Debt: 3.75%, Others: -2.75%, Commodities: 99% |
| Top Holdings | Axis Silver ETF Regular- GrowthOther CBLONet Payables |
| Fund Type | Open-ended |
ICICI Prudential Silver ETF FoF Direct-Growth
The investment objective of ICICI Prudential Silver ETF FoF Direct-Growth is to maintain long-term capital appreciation by selecting the best SIP Investment plan for 3 years, with the aim of securing units in ICICI Prudential Silver ETF FoF Direct-Growth. The scheme aims to replicate the returns of the ICICI Prudential Silver ETF FoF by tracking its holdings.
Below are the details of the best SIP Investment Plan for 3 years:
| Parameter | Details |
| Fund Name | ICICI Prudential Silver ETF FoF – Growth |
| NAV | ₹38.94 |
| AUM | ₹1,834.84 crores |
| Expense Ratio | 0.12% |
| Minimum Investment | SIP ₹1000 & Lumpsum ₹100 |
| Risk Level | Principal at very high risk |
| Launch Date | 1st February, 2022 |
| Asset Allocation | Others: -0.06%, Commodities: 100.06% |
| Top Holdings | ICICI Prudential Silver ETF-GrowthRepoNet Payables |
| Fund Type | Open-ended |
Edelweiss Gold and Silver ETF FoF Direct-Growth
The investment objective of Edelweiss Gold and Silver ETF FoF Direct-Growth is to maintain long-term capital appreciation by selecting the best SIP Investment plan for 3 years, with the aim of securing units in the ETF. The scheme aims to replicate the returns of the Edelweiss Gold and Silver ETF FoF by tracking its holdings.
Below are the details of the best SIP Investment Plan for 3 years:
| Parameter | Details |
| Fund Name | Edelweiss Gold and Silver ETF FoF – Growth |
| NAV | ₹36.12 |
| AUM | ₹469.17 crores |
| Expense Ratio | 0.24% |
| Minimum Investment | SIP ₹1000 & Lumpsum ₹100 |
| Risk Level | Principal at very high risk |
| Launch Date | 1st February, 2022 |
| Asset Allocation | Others: -0.06%, Commodities: 100.06% |
| Top Holdings | ICICI Prudential Silver ETF-GrowthRepoNet Payables |
| Fund Type | Open-ended |
Aditya Birla Sun Life Silver ETF-Growth
The investment objective of Aditya Birla Sun Life Silver ETF FoF Growth is to maintain long-term capital appreciation by selecting the best SIP Investment plan for 3 years, with the aim of securing units in Aditya Birla Sun Life SiAditya Birla SunAditya Birla SunAditya Birla Sunlver ETF FoF Direct-Growth. The scheme aims to replicate the returns of the Aditya Birla Sun Life Silver ETF FoF by tracking its holdings.
| Parameter | Details |
| Fund Name | Aditya Birla Sun Life and Silver ETF FoF – Growth |
| NAV | ₹39.56 |
| AUM | ₹321.28 crores |
| Expense Ratio | 0.3% |
| Minimum Investment | SIP ₹1000 & Lumpsum ₹100 |
| Risk Level | Principal at very high risk |
| Launch Date | 2nd February, 2022 |
| Asset Allocation | Others: -0.44%, Commodities: 100.44% |
| Top Holdings | Aditya Birla Sun Life Silver ETF – GrowthReverse RepoNet Payables |
| Fund Type | Open-ended |
SBI Gold Fund-Growth
| Parameter | Details |
| Fund Name | SBI Gold Fund- Growth |
| NAV | ₹45.26 |
| AUM | ₹4,739.69 crores |
| Expense Ratio | 0.35% |
| Minimum Investment | SIP ₹1000 & Lumpsum ₹5,000 |
| Risk Level | Principal at very high risk |
| Launch Date | 12th September, 2011 |
| Asset Allocation | Others: 1.8%, Commodities: 98.2% |
| Top Holdings | SBI ETF GoldRepoNet Payables |
| Fund Type | Open-ended |
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Who Should Invest in a SIP Plan for 3 Years?
Best SIP Plans for 3 Years highlight a selection of mutual fund schemes that have consistently delivered superior performance through systematic investments. These funds are specially selected for investors looking to invest over a 3-year horizon. They include mutual fund schemes that have consistently delivered strong performance through disciplined systematic investments.
Investors must look for a best SIP Plan for 3 Years, such as medium-term goal planners, salaried professionals, investors converting from FDs to market-linked products, disciplined investors, and Conservative Investors.
- Medium-term goal planners: Individuals who are planning to save money to fulfil their goals, like a car purchase, travel, home renovation, or higher education fees, are useful for investors who are seeking to invest in the best SIP plan for 3 years.
- Salaried professionals: The best SIP investment plan for 3 years is beneficial for those planning to achieve their near-term goals effectively. Investors looking to invest in the best mutual fund SIP plan to make informed decisions may consider it.
- Conversion of FDs to market-linked products: Investors who convert their FDs must opt for the best SIP plan for 3 years, which is less risky due to its short time horizon and offers market knowledge.
- Disciplined investors: Investing in the best SIP mutual funds is preferable for those who want disciplined investing without market timing. So, it is beneficial for all who are willing to invest in the best SIP plan for 3 years.
- Conservative Investors: For investors new to investing and looking for a structured way to start with smaller amounts for a short commitment, consider the best SIP plan for 3 years in India.
How Much Should You Invest in a SIP Plan for 3 Year?
Deciding how much to invest in the best SIP plan for 3 year in India should align with your goal amount, monthly savings capacity, and risk tolerance. A safe rule is to invest only 20-30% of your monthly surplus income, after covering expenses and keeping at least 3-6 months of emergency savings aside.
- If you are a beginner or conservative, ₹5,000-₹7,000 per month is comfortable.
- If you are saving for a specific short-term goal, invest the monthly income and divide it by 12.
- If you have a higher income and surplus cash, ₹10,000- ₹25,000+ can work, depending on your budget.
Investors must review the above guidelines before considering the best 3-year SIP plan in India.
Expected Returns of the Best SIP Plan for 3 Years
| Fund Type | SIP return rate | Equity (in%) | Debt (in%) | Suitability |
| Aggressive Hybrid/ Equity-Oriented | 8%-12% | 65-75% | 25-35% | Moderate-risk investors planning for goals such as a car purchase, a partial down payment on a house, or business capital. |
| Conservative Hybrid | 6%-9% | 70-85% | 15-30% | First-time investors or conservative savers shifting from FDs |
| Short Duration/Corporate bond | 5.5%-7.5% | N/A | 100% | Investors want better post-tax efficiency than FDs. |
| Equity (Pure Large/Multi Cap) | Can be +15% or negative | 100% | N/A | For long-term investors. |
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How to Choose the Best SIP Plan for 3 Years?
Once the investors have understood the wide range of SIP plans, the next step is to build a SIP strategy which is simple, practical, and easy to maintain. Here below are the some steps to follow while choosing the best SIP plan for 3 years:
Step 1: Setting up the Goal
Investors must clarify the purpose for which they intend to start SIPs, whether it is a down payment, an education fee, or a planned expense. This clarification will help them decide the right category, allocate funds systematically, and choose the best SIP plan for 3 years.
Step 2: Analyse Your Level of Risks
Investors must evaluate their risk tolerance, as aggressive markets can fluctuate rapidly. Real risk tolerance will be observed in high-volatility circumstances. For the best SIP plan of 3 years, assess whether your plan can absorb a 10-15% shortfall or not.
Step 3: Automate the SIP
Set up the SIP for the required amount and leave it for automation. Once the SIP has started, investors must stop comparing returns with other aggressive equity funds. The purpose of a best SIP plan for 3 years is for stability, not with high-risk categories.
Step 4: Determine Asset Allocation
A practical allocation for most investors is to allocate 60-80% to stable, debt-oriented categories, and the remaining 20-40% to flexible funds that offer balance advantages. The best SIP plan for 3 years helps them allocate assets each year in the same manner.
Step 5: Monitor atleast Once a Year
Investors must monitor whether any category continues to reflect the strategy, whether portfolio quality remains constant, and whether there are any shifts in risk. The investors have to monitor their best SIP plan for 3 years to achieve better returns in the long run.
Step 6: Shifting to the safer options in the last six months
As the goal approaches, it gradually reallocates funds to very low-risk categories, such as liquid or short-term assets. Protecting accumulated assets is considered more important than additional returns during this phase.
Conclusion
The best SIP plan for 3 years is guided by an important principle: sensible investing comes with clarity and discipline, not the search for the highest-return option. When the horizon is short, stability becomes essential. By choosing suitable categories, maintaining a conservative allocation, automating your SIP, and reviewing it regularly. Investing in the best SIP mutual funds is preferable for those who want disciplined investing without market timing. So, it is beneficial for all who are willing to invest in the best SIP plan for 3 years. The investment objective of ICICI Prudential Silver ETF FoF Direct-Growth is to maintain long-term capital appreciation by selecting the best SIP Investment plan for 3 years.
FAQs
Which SIP is best for the next 3 years?
Ans. To choose the best SIP plan for the next 3 years, investors must focus on high-growth, mid-cap, small-cap, and other sectoral funds with the best options for SIPs, such as Motilal Oswal Midcap Fund, Nippon India Small Cap Fund, and Bandhan Infrastructure Fund.
What are the benefits of SIP for 3 years?
Ans. There are many benefits of the best 3-year SIP plan, such as diversification, potential returns, and flexibility. The Mutual Fund SIP plan offers flexibility, which allows investors to choose the investment amount and frequency based on their financial capabilities. Although SIPs provide liquidity, which allows investments to be redeemed.
What are the factors that investors should consider before choosing the best SIP plan for 3 years?
Ans. The factors that must be considered by investors before selecting the best 3-year SIP plan include risk tolerance, investment time horizon, evaluation of financial goals, fund performance history (mainly the expense ratio), and the fund manager’s track record.
Which SIP gives a 40% return?
Ans. A 40% return on an SIP is quite high and not guaranteed. Returns depend on market conditions and the specific fund chosen. Investors must always consider their risk tolerance and financial goals when investing. The best SIP plan for 3 years is relatively short-term, and choosing funds suitable for this duration is important.
How are returns from SIPs taxed for the best SIP plan for 3 years?
Ans. For equity funds, short-term capital gains are taxed at 15%. Long-term capital gains (held for more than one year) up to ₹1 lakh are tax-free, and gains above this limit are taxed at 10%. Risk suitability for 3 years depends on the ability to handle shortfalls, and a 10-15% decline close to the goal will follow up the SIP plan.
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