A systematic investment plan (SIP) is one of the best ways to invest in mutual funds, especially for long-term wealth creation. Investing in equity mutual funds via SIP helps to reduce short-term market volatility through averaging rupee costs and ensure disciplined investments. Short-term returns may be unpredictable, but looking at the fund’s performance over a 10-year SIP period gives us a more clear picture of its consistency and ability to generate wealth. In this article, we will explore Top 10 equity mutual funds based on 10 years of SIP returns, These funds will be invested and such funds are appropriately located.
What is a bite?
A SIP, or a systematic investment plan, is a way to invest in a mutual fund by donating a fixed amount at regular intervals (e.g. monthly, quarter). This method reduces the impact of market fluctuations and allows investors to accumulate wealth in a disciplined way. If you’re not used to this world, first Understand how mutual funds work.
Why check SIP performance over the past 10 years?
The market is very unstable in the short term, and many investors are affected by short term market movements. However, over the course of 10 years, the effects of volatility will be reduced and the SIP returns will be stable. Factors such as averaging rupee costs, compound interest and disciplined investments contribute to wealth creation in the long term. There’s even Some mutual funds that triple investors are getting tired of their five-year time frame.
Benefits of SIP Returns
- Rs Average: Investments are made at various market levels, which helps to solve the average purchase cost.
- Compound interest: Long-term investments in SIPs benefit from compound interest, where returns are reinvested to generate additional revenue.
- Disciplined investment: SIP encourages regular investments and prevents impulsive decisions based on market fluctuations.
- Lower market timing risk: Investing through SIP eliminates the need to calculate the market. This is difficult for experts too.
- Creating Wealth: Over the long term, SIPs in good-performing equity funds can generate substantial wealth.
A list of top 10 equity mutual funds based on 10 years of SIP returns
Below are 10 equity mutual funds with the highest SIP returns in the time frame of the past decade.
Top 10 Equity Mutual Funds with the Best SIP Returns in 10 Years – Performance and Who Can Invest
Small cap fund
#1 – Quant Small Cap Fund
- Annual returns:
- 3 years: 15.6%
- 5 years: 30.0%
- 10 years: 24.0%
- Where to invest: It is mainly small-cap stocks with high growth potential.
- Risk Profile: High risk, high return investment.
- Who should I invest? Investors with high-risk appetite looking for an aggressive capital rise.
#2 – Nippon India Small Cap Fund
- Annual returns:
- 3 years: 14.5%
- 5 years: 26.0%
- 10 years: 22.2%
- Where to invest: A diverse portfolio of small companies across the sector.
- Risk Profile: High risk, suitable for long-term investors.
- Who should I invest? Suitable for investors who are willing to continue investing for longer periods of time to survive volatility.
If you observe, this fund is part of some Best mutual funds recommended by ChatGpt, Gemini and Deepseek AI.
#3 – Axis Small Cap Fund
- Annual returns:
- 3 years: 12.9%
- 5 years: 21.0%
- 10 years: 20.3%
- Where to invest: It focuses on high-quality small caps with strong growth potential.
- Risk Profile: Moderately high risk.
- Who should I invest? Perfect for investors looking for growth opportunities in the small-cap segment, with the patience to withstand market volatility.
Midcap fund
#4 – Motilal Oswal Midcap Fund
- Annual returns:
- 3 years: 25.9%
- 5 years: 31.1%
- 10 years: 21.9%
- Where to invest: Mainly in medium-sized companies with strong foundations and potential for growth.
- Risk Profile: Moderately high risk.
- Who should I invest? Investors balance high growth and stability compared to small caps.
The stock market has made major revisions over the past six months, so it recommends the fund as equal amounts. Best Mutual Funds for Lumpsum Investments in 2025 Too much.
#5 – Quant Mid Cap Fund
- Annual returns:
- 3 years: 11.2%
- 5 years: 22.8%
- 10 years: 20.5%
- Where to invest: It focuses on intermediate stocks with high growth potential.
- Risk Profile: High risk and high reward.
- Who should I invest? Suitable for investors with a long-term view looking for a mix of stability and growth.
#6 – Edelweiss Midcap Fund
- Annual returns:
- 3 years: 20.2%
- 5 years: 25.0%
- 10 years: 20.4%
- Where to invest: Mainly in intermediate companies with strong growth potential.
- Risk Profile: Moderately high risk.
- Who should I invest? Suitable for investors looking for a higher cap return than a smaller cap.
#7 – Investco India Mid Cap Fund
- Annual returns:
- 3 years: 21.0%
- 5 years: 23.5%
- 10 years: 19.8%
- Where to invest: It focuses on medium-sized companies with a good combination of stability and growth.
- Risk Profile: Moderately high risk.
- Who should I invest? Perfect for investors looking for exposure to intermediate stocks with a high chance of return.
Flexy Cap Fund
#8 – Quant Flexi Cap Fund
- Annual returns:
- 3 years: 10.8%
- 5 years: 21.1%
- 10 years: 20.3%
- Where to invest: Dynamically allocate assets across large, medium and small caps.
- Risk Profile: Moderate risk.
- Who should I invest? Investors seeking diverse exposure across market capitalization with active management.
#9 – Paragparic Flexicap Fund
- Annual returns:
- 3 years: 19.3%
- 5 years: 21.2%
- 10 years: 19.8%
- Where to invest: Combination of domestic and international stocks for diversification.
- Risk Profile: Moderate risk.
- Who should I invest? It is perfect for investors looking for global diversification along with Indian stock exposure.
This fund was in it 10 mutuals fell the least in the past six months Despite the huge market corrections.
ELSS Fund
#10 – Quant ELSS Tax Saver Fund
- Annual returns:
- 3 years: 7.4%
- 5 years: 19.9%
- 10 years: 21.1%
- Where to invest: Fairness with tax-exempt benefits primarily under Section 80C.
- Risk Profile: Moderately high risk.
- Who should I invest? Investors looking to pay taxes along with creating long-term wealth.
What are the CAGR returns for these mutual funds?
|
Funds |
3 years ret (%) | 5 years ret (%) | 10 years ret (%) |
|---|---|---|---|
| Quant Small Cap Fund – Direct Planning | 23.4 | 42.6 | 19.2 |
| Nippon India Small Cap Fund – Direct Planning | 23.8 | 31.9 | 20.3 |
| Motilal Oswal Midcap Fund – Direct Planning | 30.6 | 28.9 | 17.5 |
| Quant ELSS Tax Saver Fund – Direct Planning | 17.4 | 31.3 | 19.2 |
| Quant Mid Cap Fund – Direct Planning | 22.3 | 31.1 | 17.0 |
| Edelweiss Mid Cap Fund – Direct Planning | 24.4 | 27.7 | 17.2 |
| Quant Flexi Cap Fund – Direct Planning | 19.9 | 31.3 | 18.2 |
| Axis Small Cap Fund – Direct Planning | 18.1 | 24.2 | 18.1 |
| Investco India Mid Cap Fund – Direct Planning | 23.9 | 24.7 | 16.8 |
| Parag Parikh Flexi Cap Fund – Direct Planning | 19.2 | 25.0 | 17.3 |
Conclusion
These mutual funds have demonstrated strong performance over the past decade through SIP investments. Small funds have the highest growth potential, but they do have higher risks. MID-CAP funds provide a balance of risk and returns, while Flexi-CAP funds provide diversification. Investors should choose their funds based on risk appetite and financial goals, keeping in mind that past performance does not guarantee future outcomes.
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