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PSU and infrastructure-focused SIP Portfolios show strong 3-year and 5-year returns above 25%.
Mutual Fund SIPs help manage volatility and improve wealth creation through disciplined investing.
Combining PSU, infra, and multi-asset funds brings growth with better risk balance.
The financial market has now entered an important phase, allowing investors to build long-term wealth through mutual fund SIPs. Equity indices in India are moving in mixed directions, but earnings growth, government spending, and strong balance sheets at PSU and infrastructure companies are supporting returns.
SIP investing continues to be one of the most stable ways to handle volatility. Monthly investing at fixed amounts helps average cost and reduces timing risk.
Let’s take a look at some of the best mutual fund SIP portfolios in the PSU, infrastructure, and multi-asset categories that deliver strong multi-year returns.
SIP portfolios work best when funds with different styles and sectors are combined. PSU equity funds, infrastructure-focused funds, and hybrid or multi-asset funds together provide growth with some balance. Over long periods, such as 3- and 5-year periods, returns have stayed above 2% for many categories. NAV levels, AUM size, and rolling returns show consistency. The current market period is a good time to stay invested and increase SIP amounts.
SBI PSU Fund Direct Growth remains one of the strongest performers in the PSU category. The current NAV stands at Rs. 38.64 with AUM of Rs. 5,816.55 crores. Short-term numbers are stable with 1-month returns of 0.95% and 3-month returns of 3.01%. The 1-year return is 23.75%, while the 3-year return is 3.63%. The 5-year return is 30.15%, showing strong compounding over time. PSU banks, power, and energy stocks are the main contributors.
Aditya Birla Sun Life PSU Equity Fund Direct Growth also shows solid performance. NAV is Rs. 39.12, and AUM is Rs. 5,643.33 crores. The 1-month return is 0.38%, and the 3-month return is 2.60%. Over 1 year, returns are 22.25%. The 3-year return stands at 31.23%, and the 5-year return is 29.77%. The fund has benefited from PSU reforms and improved profitability, though short-term moves can be slow sometimes.
ICICI Prudential Infrastructure Fund Direct Growth focuses on roads, power, capital goods, and construction themes. NAV is higher at Rs. 213.63 with AUM of Rs. 8,133.93 crores, showing strong investor trust. Short-term returns are weak with -2.26% for 1 month and -2.66% for 3 months. Even with this dip, long-term data stays positive.
The 1-year return is 13.54%, while the 3-year return is 26.22%. The 5-year return comes at 29.05%. Infrastructure cycles are long, and returns often come in phases.
Invesco India PSU Equity Fund Direct Growth also deserves attention. NAV is Rs. 80.29 with AUM of Rs. 1,448.71 crores. The recent 1-month return is -0.05%, and the 3-month return is 0.22%. Over 1 year, returns stand firm at 24.54%. The 3-year return is 33.5%, and the 5-year return is 28.96%. The fund benefits from selective PSU exposure and disciplined stock picking.
Quant Multi Asset Allocation Fund Direct Growth brings diversification to SIP portfolios. NAV is Rs. 177.11, and AUM is Rs. 4,434.35 crores. Short-term performance is impressive, with a 1-month return of 3.28% and a 3-month return of 8.64%.
Over 1 year, returns are 27.08%. The 3-year return is 25.70%, and the 5-year return is 28.08%. Allocation across equity, debt, and commodities helps reduce downside risk during volatile phases.
A well-balanced SIP portfolio can include PSU equity funds for high growth, infrastructure funds for economic expansion exposure, and multi-asset funds for stability. Numbers clearly show that 3-year returns between 25% and 33% are common in these funds.
Five-year returns staying close to 28%-30% highlight the power of long-term investing. NAV values and AUM sizes indicate maturity and stability in fund management.
Also Read: Best Performing Equity Mutual Funds for SIP in 2026
SIP investing remains one of the most practical ways to steadily grow wealth. Data-driven selection, patience, and consistency matter more than short-term movement. The market offers strong opportunities, with PSU, infrastructure, and multi-asset funds showing healthy long-term track records.
Staying invested, continuing SIPs during dips, and focusing on 5-year horizons can help achieve meaningful financial growth, even if markets look uneven in some months.
What is SIP, and why is it popular in 2026?
SIP is a monthly investment method that helps average cost and reduce market timing risk, making it popular for long-term goals.
How do Mutual Fund SIPs help in wealth creation?
Mutual Fund SIPs invest regularly in equity and other assets, allowing compounding to work over many years.
Are PSU Mutual Funds risky for SIP Portfolios?
PSU funds can be volatile in the short term, but long-term data show strong returns due to reforms and earnings growth.
Is February 2026 a good time to start SIP?
Market levels do not matter much for SIPs; starting early helps capture long-term growth cycles.
How long will SIP Portfolios be held?
A minimum of 5 years is ideal; longer periods increase the likelihood of stable, higher returns.
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