SIP returns of India’s largest mutual funds in last 5 and 10 years

SIP returns of India's largest funds in last 5 and 10 years

How monthly SIPs of Rs 10,000 have performed over the long term

SIP returns of India’s largest mutual funds in last 5 and 10 years Nitin Yadav/AI-Generated Image

Summary: Ever wondered what years of SIP discipline really add up to? How much wealth a Rs 10,000 monthly SIP would have built in India’s biggest mutual funds? We ran the numbers for the last 5 and 10 years to compile what consistent investing in the country’s largest funds has actually delivered. Check how much your money could have grown.

Rs 10,000 a month. That's what lakhs of Indian investors quietly auto-debit into mutual funds every payday. But how powerful is this habit really? What has it delivered, not in theory, but in actual investor returns?

To find out, we crunched the numbers for India’s biggest mutual funds (by net assets) across large, mid, small, flexi and other key categories and compiled what a monthly SIP of Rs 10,000 in each of these funds would have grown into over the last five and 10 years.

Here's the full scorecard:

What a Rs 10,000 monthly SIP would have earned you over five and 10 years

	5 years		10 years
Fund category	Return (%pa)	Value (Rs lakh)	Return (%pa)	Value (Rs lakh)

Large-cap funds
1) ICICI Pru Large Cap	17.62	9.31	15.98	27.7
2) SBI Large Cap	15.12	8.75	14.67	25.83

Large and Mid-cap funds
1) Mirae Asset Large & Midcap	16.75	9.11	18.3	31.4
2) SBI Large & Midcap	19.4	9.72	17.71	30.41

Flexi-cap funds
1) Parag Parikh Flexi Cap	20.4	9.96	20.5	35.36
2) HDFC Flexi Cap	23.78	10.81	19.47	33.43

Multi-cap funds
1) Nippon India Multi Cap*	22.05	4.96
2) SBI Multicap*	19.4	4.78

Mid-cap funds
1) HDFC Mid Cap	25.8	11.34	21.32	36.96
2) Kotak Midcap	24.28	10.94	21.57	37.46

Small-cap funds
1) Nippon India Small Cap	26.4	11.51	24.24	43.27
2) HDFC Small Cap	24.85	11.09	21.67	37.66

Value funds
1) ICICI Pru Value	21.4	10.21	18.4	31.57
2) SBI Contra	22.82	10.56	20.27	34.92
The multicap category was launched in 2021, hence returns are for three years. Data as of August 5, 2025*

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Also read: 3 five-star flexi-cap funds in July. Do you own any?

Disclaimer: This content is for information only and should not be considered investment advice or a recommendation.

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