Top 5 High Returns SBI Mutual Funds In 2025 – Returns On SIP Rs 10,000 For 5 Years

Investing in mutual funds through Systematic Investment Plans (SIP) is a smart way to grow your wealth over time. SBI Mutual Fund, one of India's most trusted fund houses, offers several high-performing schemes for long-term wealth creation.

If you are looking to invest Rs 10,000 per month for 5 years, here are the top 5 SBI mutual funds to consider

1. SBI PSU Direct Plan Growth

• NAV (as of February 25, 2025): Rs 30.32
• Fund Size: Rs 4,542.83 crore
• Minimum SIP Amount: Rs 500
• Minimum Lumpsum Investment: Rs 5,000
• Total Investment (Rs 10,000/month for 5 years): Rs 6,00,000
• Estimated Returns: Rs 12,09,170
• Category: Very High Risk
• 5-Year Annualized Returns: 23.2 per cent
• Expense Ratio: 0.78 per cent

Why Invest?

This fund primarily invests in Public Sector Undertakings (PSUs), which have the potential for strong growth backed by government policies.

2. SBI Long Term Equity Fund Direct Plan Growth

• NAV (as of February 25, 2025): Rs 425.81
• Fund Size: Rs 27,305.51 crore
• Minimum SIP Amount: Rs 500
• Minimum Lumpsum Investment: Rs 1,000
• Total Investment (Rs 10,000/month for 5 years): Rs 6,00,000
• Estimated Returns: Rs 10,83,405
• Category: Very High Risk
• 5-Year Annualized Returns: 23.3 per cent
• Expense Ratio: 0.95 per cent

Why Invest?

This ELSS (Equity Linked Savings Scheme) fund also offers tax benefits under Section 80C, making it an excellent choice for investors looking to save tax while earning high returns.

3. SBI Infrastructure Fund Direct Growth

• NAV (as of February 25, 2025): Rs 47
• Fund Size: Rs 4,867.23 crore
• Minimum SIP Amount: Rs 500
• Minimum Lumpsum Investment: Rs 5,000
• Total Investment (Rs 10,000/month for 5 years): Rs 6,00,000
• Estimated Returns: Rs 10,73,447
• Category: Very High Risk
• 5-Year Annualized Returns: 23.3 per cent
• Expense Ratio: 0.83 per cent

Why Invest?

This fund focuses on infrastructure-related sectors, which have high growth potential due to increasing government investments in roads, railways, and urban development.

4. SBI Healthcare Opportunities Fund Direct Plan Growth

• NAV (as of February 25, 2025): Rs 446.77
• Fund Size: Rs 3,521.93 crore
• Minimum SIP Amount: Rs 500
• Minimum Lumpsum Investment: Rs 5,000
• Total Investment (Rs 10,000/month for 5 years): Rs 6,00,000
• Estimated Returns: Rs 11,83,306
• Category: Very High Risk
• 5-Year Annualized Returns: 25.8 per cent
• Expense Ratio: 0.89 per cent

Why Invest?

With the rising demand for healthcare and pharmaceuticals, this fund is well-positioned for long-term growth, making it an attractive choice for investors.

5. SBI Contra Direct Plan Growth

• NAV (as of February 25, 2025): Rs 379.38
• Fund Size: Rs 41,634.25 crore
• Minimum SIP Amount: Rs 500
• Minimum Lumpsum Investment: Rs 5,000
• Total Investment (Rs 10,000/month for 5 years): Rs 6,00,000
• Estimated Returns: Rs 11,31,310
• Category: Very High Risk
• 5-Year Annualized Returns: 28.6 per cent
• Expense Ratio: 0.60 per cent

Why Invest?

This fund follows a contrarian investment strategy, meaning it focuses on undervalued stocks that have strong long-term growth potential. This approach has historically led to impressive returns.

By investing Rs 10,000 per month in these funds for 5 years, you could potentially double your investment or more. However, all of these SBI mutual funds fall into the very high-risk category, meaning they may be volatile in the short term but have the potential for strong long-term returns. Before investing, it is essential to assess your risk appetite, investment goals, and market conditions.