Investing in mutual funds may appear straightforward, but the real challenge begins when you start making choices. Deciding which funds to select, how many to include, and when to rebalance can quickly become overwhelming, even for experienced investors. Market volatility and information overload often add to the confusion, making it harder to stay consistent with long-term goals. This is where Paytm Money SIP Baskets offer a smart and structured solution. By combining expert-led portfolio construction with the discipline of systematic investing, SIP Baskets remove the guesswork from mutual fund investing.
- What Is a SIP Basket
- How SIP Baskets Simplify Mutual Fund Investing
- Key Simplification Benefits
- How SIP Baskets Are Suitable for Long-Term Goals
- Core Advantages for Long-Term Investors
- Paytm Money SIP Baskets Explained
- Paytm Money Mutual Fund SIP Baskets
- Core Compounding Basket: Building a Strong Equity Foundation
- Portfolio Allocation
- Key Highlights
- High Growth Accelerator Basket: For Aggressive Wealth Creation
- Portfolio Allocation
- Key Highlights
- Stability Plus Basket: Focus on Predictability
- Portfolio Allocation
- Key Highlights
- Crorepati – 10 SIP Basket: A Structured Wealth Journey
- Portfolio Allocation
- Key Highlights
- Global and Metals Diversifier SIP Basket: Reducing Volatility
- Portfolio Allocation
- Key Highlights
- How to Invest in Paytm Money SIP Baskets
- Step-by-Step Process
- Why SIP Baskets Make Sense
- FAQs
Instead of tracking and managing multiple funds separately, investors gain access to a professionally curated portfolio aligned with specific goals, risk profiles, and investment horizons. Let us understand how Paytm Money SIP Baskets work and why they are emerging as a practical approach to long-term wealth creation.
What Is a SIP Basket
A SIP Basket is a curated investment solution that groups multiple mutual funds into a single, goal-oriented portfolio. Investors invest in the basket through one Systematic Investment Plan, while the amount is automatically allocated across different funds in predefined proportions.
Rather than selecting and tracking individual funds, SIP Baskets offer a ready-made allocation created by experts. These allocations are based on a specific investment objective, risk profile, and investment horizon. This structure makes SIP Baskets suitable for both beginners and experienced investors seeking simplicity and consistency.
(Source: ICICI Direct)
How SIP Baskets Simplify Mutual Fund Investing
SIP Baskets bring structure and discipline to investing by removing several common challenges faced by individual investors.
Key Simplification Benefits
- Automatic diversification across multiple funds
- Clear alignment with risk appetite and financial goals
- Monthly investing through a single SIP instruction
- Reduced emotional decision-making during market volatility
Each SIP Basket may include funds from large-cap, mid-cap, small-cap, flexi-cap, debt, or global asset categories. This combination ensures diversification while maintaining a clear investment strategy.
(Source: GWC India)
How SIP Baskets Are Suitable for Long-Term Goals
SIP Baskets are designed with long-term investing in mind. They focus on consistency, disciplined allocation, and compounding over time.
Core Advantages for Long-Term Investors
- Expert portfolio construction by research analysts
- Balanced exposure across market capitalisations and asset classes
- Time-efficient investment management
- Suitable for goal-based investing such as retirement or wealth accumulation
For investors who want professional portfolio design without constant monitoring, SIP Baskets offer a strong solution.
(Source: GWC India)
Paytm Money SIP Baskets Explained
Paytm Money SIP Baskets are curated by research analysts and industry experts to help investors build structured portfolios with ease. Below is an overview of the available Paytm Money Mutual Fund SIP Baskets.
Paytm Money Mutual Fund SIP Baskets
| Basket Name | Investment Objective | Risk Profile | 3-Year Returns |
|---|---|---|---|
| Core Compounding | Long-term wealth through steady compounding | Moderate to High | +21.42% /yr |
| High Growth Accelerator | Accelerated growth through multi-cap exposure | High | +27.10% /yr |
| Stability Plus | Stable returns through quality debt exposure | Low to Moderate | +11.42% /yr |
| Crorepati – 10 | Ten-year journey towards ₹1 crore | High | +30.21% /yr |
| Global and Metals Diversifier | Global equity with gold exposure | Moderate | +13.19% /yr |
(Note: The returns are recorded as of Jan 22, 2026 and are subject to change over time. Past performance does not guarantee future returns)
(Source: Paytm Money App)
Core Compounding Basket: Building a Strong Equity Foundation
The Core Compounding Basket is designed for steady long-term wealth creation. It focuses on balancing stability with growth by building a strong equity core.
Portfolio Allocation
| Fund | Allocation | 3-Year Returns |
|---|---|---|
| ICICI Prudential Large Cap Fund | 40% | +17.52% /yr |
| Bandhan Core Equity Fund | 30% | +23.56% /yr |
| HDFC Flexi Cap Fund | 30% | +21.58% /yr |
This mix offers exposure to stable large-cap companies, growth-driven mid-cap stocks, and flexible allocation across market capitalisations.
Key Highlights
- Three-year annualised returns of around 21.42%
- Moderate to high risk profile
- Ideal investment horizon of five years or more
This basket suits investors who want consistent growth while managing market volatility in a structured manner.
(Source: Paytm Money App)
High Growth Accelerator Basket: For Aggressive Wealth Creation
The High Growth Accelerator Basket is built for investors aiming to maximise long-term capital appreciation. It taps into India’s high-growth equity segments with a multi-cap approach.
Portfolio Allocation
| Fund | Allocation | 3-Year Returns |
|---|---|---|
| HDFC Flexi Cap Fund | 60% | +21.58% /yr |
| Edelweiss Mid Cap Fund | 25% | +26.59% /yr |
| Nippon India Small Cap Fund | 15% | +20.05% /yr |
Key Highlights
- Three-year annualised basket return of around 27.10%
- High risk appetite required
- Minimum investment horizon of five years
This basket is suitable for investors comfortable with volatility and focused on long-term growth.
(Source: Paytm Money App)
Stability Plus Basket: Focus on Predictability
The Stability Plus Basket is designed for investors seeking relatively stable returns with controlled risk. It emphasises quality debt exposure and income stability.
Portfolio Allocation
| Fund | Allocation | 3-Year Returns |
|---|---|---|
| ICICI Pru Banking & PSU Fund | 60% | +7.77% /yr |
| HDFC Corporate Bond Fund | 20% | +7.69% /yr |
| Axis Liquid Direct Fund | 20% | +7.05% /yr |
Key Highlights
- Prime income and yield-enhancing strategy
- Low to moderate risk profile
- Three-year annualised returns of around 11.42%
This basket is suitable for conservative investors or those nearing important financial milestones.
(Source: Paytm Money App)
Crorepati – 10 SIP Basket: A Structured Wealth Journey
The Crorepati – 10 SIP Basket follows an all-weather strategy aimed at building ₹1 crore over ten years through disciplined investing.
Portfolio Allocation
| Fund | Allocation | 3-Year Returns |
|---|---|---|
| HDFC Large Cap Fund | 50% | +15.52% /yr |
| Edelweiss Mid Cap Fund | 25% | +26.59% /yr |
| Bandhan Small Cap Fund | 25% | +29.90% /yr |
Key Highlights
- Three-year annualised basket return of around 30.21%
- High risk profile
- Best suited for investors with a ten-year horizon or more
This basket combines stability with aggressive growth potential.
(Source: Paytm Money App)
Global and Metals Diversifier SIP Basket: Reducing Volatility
The Global and Metals Diversifier SIP Basket offers international diversification along with gold exposure.
Portfolio Allocation
| Fund | Allocation | 3-Year Returns |
|---|---|---|
| Axis Greater China Equity FoF | 40% | +11.71% /yr |
| SBI Gold Direct Plan | 20% | +37.08% /yr |
| Nippon India Large Cap Fund | 40% | +18.81% /yr |
Key Highlights
- Moderate to aggressive investors
- Ideal for balancing Indian and global market exposure
- Focus on volatility management through equity and gold synergy
(Source: Paytm Money App)
How to Invest in Paytm Money SIP Baskets
Investing in SIP Baskets through Paytm Money is simple and straightforward.
Step-by-Step Process
- Step 1: Open the Paytm Money application
- Step 2: Tap on the Mutual Funds section
- Step 3: Scroll down to Expert Picks: SIP Baskets
- Step 4: Choose a basket based on your risk appetite and return expectations
- Step 5: Review the funds, allocation, and investment objectives
- Step 6: Click on Start Monthly SIP
- Step 7: Select the SIP date, set the monthly investment amount, and complete the payment
(Source: Paytm Money App)
Why SIP Baskets Make Sense
SIP Baskets offer a powerful combination of expert portfolio construction, disciplined investing, and simplicity. They remove the guesswork from mutual fund selection while keeping investors focused on long-term goals.
For anyone seeking professional guidance, structured diversification, and ease of execution, SIP Baskets stand out as a practical and efficient investment solution.
Disclaimer: Investments in the securities market are subject to market risks, read all the related documents carefully before investing. This content is purely for information purpose only and in no way to be considered as an advice or recommendation. The securities are quoted as an example and not as a recommendation.
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