Top SIP plans: 5-year SIP returns by category
What a ₹5,000 monthly SIP started 5 years ago is worth today, fund by fund. ₹3,00,000 invested in each.
These are real results, not projections: we replayed a ₹5,000 SIP on the first NAV of every month for the last 5 years in every direct growth fund (NAVs up to 30 Oct 2026). Funds are ranked by SIP return (XIRR) within their category, because comparing a small cap fund with a large cap fund mixes very different risks. How we calculate.
Flexi Cap funds
All Flexi Cap funds →| # | Fund | SIP return (XIRR) | ₹3,00,000 became | Expense ratio | Risk |
|---|---|---|---|---|---|
| 1 | BANK OF INDIA Flexi Cap Fund Bank of India | +14.9% | ₹4,40,543 | 0.89% | Very High |
| 2 | Motilal Oswal Flexi cap Fund Motilal Oswal | +13.5% | ₹4,25,318 | 1.18% | Very High |
| 3 | HDFC Flexi Cap Fund HDFC | +13.5% | ₹4,24,905 | 0.75% | Very High |
| 4 | ICICI Prudential Flexicap Fund ICICI Prudential | +13.1% | ₹4,21,116 | 0.88% | Very High |
| 5 | quant Flexi Cap Fund quant | +12.1% | ₹4,09,873 | 1.13% | Very High |
Large Cap funds
All Large Cap funds →| # | Fund | SIP return (XIRR) | ₹3,00,000 became | Expense ratio | Risk |
|---|---|---|---|---|---|
| 1 | Invesco India Largecap Fund Invesco | +10.8% | ₹3,96,721 | 0.90% | Very High |
| 2 | BANDHAN Large Cap Fund Bandhan | +9.4% | ₹3,83,260 | 1.08% | Very High |
| 3 | Nippon India Large Cap Fund Nippon India | +9.4% | ₹3,83,034 | 0.85% | Very High |
| 4 | BANK OF INDIA Large Cap Fund Bank of India | +8.9% | ₹3,77,985 | 1.29% | Very High |
| 5 | Edelweiss Large Cap Fund Edelweiss | +8.2% | ₹3,71,668 | 0.99% | Very High |
Large & Mid Cap funds
All Large & Mid Cap funds →| # | Fund | SIP return (XIRR) | ₹3,00,000 became | Expense ratio | Risk |
|---|---|---|---|---|---|
| 1 | Motilal Oswal Large and Midcap Fund Motilal Oswal | +18.0% | ₹4,75,811 | 0.93% | Very High |
| 2 | Invesco India Large & Mid Cap Fund Invesco | +17.2% | ₹4,66,417 | 0.78% | Very High |
| 3 | HSBC Large & Mid Cap Fund HSBC | +14.2% | ₹4,33,081 | 1.34% | Very High |
| 4 | Bandhan Large & Mid Cap Fund Bandhan | +14.1% | ₹4,31,093 | 1.15% | Very High |
| 5 | quant Large & Mid Cap Fund quant | +12.5% | ₹4,14,893 | 1.25% | Very High |
Mid Cap funds
All Mid Cap funds →| # | Fund | SIP return (XIRR) | ₹3,00,000 became | Expense ratio | Risk |
|---|---|---|---|---|---|
| 1 | Invesco India Midcap Fund Invesco | +18.1% | ₹4,77,475 | 0.76% | Very High |
| 2 | Edelweiss Mid Cap Fund Edelweiss | +15.6% | ₹4,47,781 | 0.69% | Very High |
| 3 | Motilal Oswal Midcap Fund Motilal Oswal | +15.0% | ₹4,41,562 | 0.93% | Very High |
| 4 | HDFC Mid Cap Fund HDFC | +15.0% | ₹4,41,516 | 0.75% | Very High |
| 5 | Nippon India Growth Mid Cap Fund Nippon India | +15.0% | ₹4,41,249 | 0.79% | Very High |
Small Cap funds
All Small Cap funds →| # | Fund | SIP return (XIRR) | ₹3,00,000 became | Expense ratio | Risk |
|---|---|---|---|---|---|
| 1 | ITI Small Cap Fund ITI | +20.3% | ₹5,04,682 | 0.84% | Very High |
| 2 | BANDHAN SMALL CAP FUND Bandhan | +19.3% | ₹4,92,616 | 0.65% | Very High |
| 3 | BANK OF INDIA Small Cap Fund Bank of India | +19.0% | ₹4,87,897 | 0.81% | Very High |
| 4 | Invesco India Smallcap Fund Invesco | +18.8% | ₹4,85,836 | 0.64% | Very High |
| 5 | Union Small Cap Fund Union | +16.2% | ₹4,54,596 | 1.08% | Very High |
ELSS funds
All ELSS funds →| # | Fund | SIP return (XIRR) | ₹3,00,000 became | Expense ratio | Risk |
|---|---|---|---|---|---|
| 1 | Motilal Oswal ELSS Tax Saver Fund Motilal Oswal | +16.1% | ₹4,54,011 | 0.96% | Very High |
| 2 | JM ELSS Tax Saver Fund JM Financial | +12.6% | ₹4,15,380 | 1.34% | Very High |
| 3 | quant ELSS Tax Saver Fund quant | +12.2% | ₹4,10,772 | 1.33% | Very High |
| 4 | ITI ELSS Tax Saver Fund ITI | +10.9% | ₹3,98,309 | 0.93% | Very High |
| 5 | SBI ELSS Tax Saver FUND SBI | +10.9% | ₹3,97,930 | 1.23% | Very High |
Aggressive Hybrid funds
All Aggressive Hybrid funds →| # | Fund | SIP return (XIRR) | ₹3,00,000 became | Expense ratio | Risk |
|---|---|---|---|---|---|
| 1 | BANK OF INDIA MID & SMALL CAP EQUITY & DEBT FUND Bank of India | +13.7% | ₹4,27,504 | 0.86% | Very High |
| 2 | Bandhan Aggressive Hybrid Fund Bandhan | +11.7% | ₹4,06,066 | 0.87% | Very High |
| 3 | Edelweiss Aggressive Hybrid Fund Edelweiss | +11.0% | ₹3,98,581 | 0.71% | Very High |
| 4 | quant Aggressive Hybrid Fund quant | +10.7% | ₹3,96,161 | 1.48% | Very High |
| 5 | ICICI Prudential Equity & Debt Fund ICICI Prudential | +10.7% | ₹3,96,108 | 1.08% | Very High |
How to use this list
- Pick the category first, from your goal and how long you can stay invested. Small and mid caps swing far more than large caps.
- Within a category, a fund near the top over five years can slip in the next five. Look at its expense ratio, size and how it did against its benchmark too.
- Work out the amount with the goal planner or the SIP calculator, and compare funds side by side in Compare.
Questions
How are these SIP returns worked out?
We invest ₹5,000 at each fund's first NAV of every month for the last 5 years (60 instalments), value the units at the latest NAV, and work out the annual return with XIRR, the same method your fund statement uses. Direct growth plans only; stamp duty and taxes are left out, and funds under ₹100 crore are excluded.
Will these funds give the same returns in future?
No one can say. These are past results over one particular five years. A category that led this period (small caps, for example) can lag in the next, and rankings change every year. Use the list to see how SIPs behaved, not to predict.
What is XIRR and why not just the fund's 5-year return?
A fund's 5-year return assumes you invested once, five years ago. In a SIP each instalment is invested for a different length of time, so XIRR, which accounts for every date, is the fair measure of what a SIP investor actually earned.
Why do direct plans show higher returns than what my statement says?
If you invest through a distributor you are probably in the regular plan, which charges a higher expense ratio every year, so its returns are lower than the direct plan's.
How much should I invest each month?
Start from your goal: how much you need and by when. Our goal planner works out the monthly SIP for a target amount, and the SIP calculator shows what a monthly amount could grow to.
Past performance does not guarantee future returns. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. BookMyMutualFund is an information service, not an investment adviser, and this list is not a recommendation to buy any fund.