Top SIP mutual funds
Funds that turned a monthly SIP into the most money over the last five years, compared with others in the same category. SIP returns reward funds that held up through corrections — not just the ones that caught a single rally.
| # | Fund | Invested | |||
|---|---|---|---|---|---|
| 1 | BO Small Cap · 7+ yrs | ₹2,235 Cr | ₹6.00 L | ₹10.45 L | +23.0% |
| 2 | ITI Small Cap · 6+ yrs | ₹2,977 Cr | ₹6.00 L | ₹10.34 L | +22.6% |
| 3 |  Large & Mid Cap · 7+ yrs | ₹19,326 Cr | ₹6.00 L | ₹9.70 L | +19.8% |
| 4 | I Mid Cap · 13+ yrs | ₹15,234 Cr | ₹6.00 L | ₹9.66 L | +19.7% |
| 5 | ELSS (Tax Saver) · 11+ yrs | ₹4,948 Cr | ₹6.00 L | ₹9.32 L | +18.2% |
| 6 | I Large & Mid Cap · 13+ yrs | ₹12,010 Cr | ₹6.00 L | ₹9.28 L | +18.0% |
| 7 | E Mid Cap · 9+ yrs | ₹16,310 Cr | ₹6.00 L | ₹9.09 L | +17.1% |
| 8 | BO Flexi Cap · 6+ yrs | ₹2,414 Cr | ₹6.00 L | ₹9.06 L | +17.0% |
| 9 | I Focused · 6+ yrs | ₹6,179 Cr | ₹6.00 L | ₹8.84 L | +15.9% |
| 10 | ITI Multi Cap · 7+ yrs | ₹1,382 Cr | ₹6.00 L | ₹8.82 L | +15.8% |
| 11 |  Value · 5+ yrs | ₹1,552 Cr | ₹6.00 L | ₹8.77 L | +15.6% |
| 12 |  Multi Cap · 5+ yrs | ₹25,937 Cr | ₹6.00 L | ₹8.76 L | +15.6% |
| 13 | Flexi Cap · 12+ yrs | ₹13,799 Cr | ₹6.00 L | ₹8.63 L | +14.9% |
| 14 | Focused · 13+ yrs | ₹1,757 Cr | ₹6.00 L | ₹8.52 L | +14.4% |
| 15 |  Value · 13+ yrs | ₹6,412 Cr | ₹6.00 L | ₹8.38 L | +13.7% |
1Y/3Y/5Y are CAGR (annualised). Fund size is average AUM across all plans for June 2026. SIP assumes ₹10,000 on the first NAV date of each of the last 60 months.
How this list is built
- Diversified equity only: large, mid, small, large & mid, flexi, multi cap, focused, value, contra and ELSS
- At least 5 years of NAV history and ₹1,000 Cr fund size
- Top 2 per category by 5-year SIP XIRR, then ranked together
- Direct Plan – Growth option only; rules run automatically on the latest AMFI data (last run 6 Oct 2026)
This is a rules-based screen, not a personal recommendation. Past returns do not predict future returns, and a fund that suits one investor may not suit another.
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Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future returns. NAV data: AMFI, via the open TigZig MF NAV API, as of 5 Oct 2026. Fund size: AMFI quarterly average AUM. Holdings: each AMC’s SEBI-mandated monthly portfolio disclosure. Shown for information only — not a recommendation to buy, sell or hold any scheme.