What a monthly SIP earned
A SIP return is the annualised rate (XIRR) on ₹10,000 invested on the same date each month for 60 months, ending 23 October 2026, for the Direct plan, Growth option. It differs from the five-year lump-sum return because the instalments are not all invested for five years. Only funds with a full 60 months of history are counted: 312 equity funds.
| # | Fund | Category | 5-year SIP return (a year) | 5-year lump-sum return (a year) |
|---|---|---|---|---|
| 1 | Bandhan Small Cap Fund | Small Cap | 20.89% | 18.48% |
| 2 | ITI Small Cap Fund | Small Cap | 20.25% | 16.50% |
| 3 | Bank of India Small Cap Fund | Small Cap | 19.99% | 18.47% |
| 4 | SBI Healthcare Opportunities Fund | Sectoral/Thematic | 19.52% | 17.62% |
| 5 | Bank of India Manufacturing & Infrastructure Fund | Sectoral/Thematic | 19.23% | 19.65% |
| 6 | Nippon India Japan Equity Fund | Sectoral/Thematic | 18.82% | 10.90% |
| 7 | LIC MF Infrastructure Fund | Sectoral/Thematic | 18.70% | 19.93% |
| 8 | Invesco India Small Cap Fund | Small Cap | 18.65% | 17.92% |
| 9 | UTI - Healthcare Fund | Sectoral/Thematic | 18.32% | 14.95% |
| 10 | Mirae Asset Healthcare Fund | Sectoral/Thematic | 18.28% | 15.24% |
| 11 | Invesco India Mid Cap Fund | Mid Cap | 17.80% | 16.88% |
| 12 | Motilal Oswal Large and Midcap Fund | Large & Mid Cap | 17.70% | 17.15% |
| 13 | DSP Healthcare Fund | Sectoral/Thematic | 17.64% | 15.26% |
| 14 | DSP India T.I.G.E.R. Fund | Sectoral/Thematic | 17.44% | 19.31% |
| 15 | Aditya Birla Sun Life PSU Equity Fund | Sectoral/Thematic | 17.34% | 20.34% |
The 15 come from 4 categories; Sectoral/Thematic supplies 9 of them. The median equity fund returned 9.91% on this basis, and a Nifty 50 price-index SIP earned about 3.72%; 306 of the 312 funds beat the index SIP.
The best in each category
| Category | Funds counted | Median SIP return | Best fund | Its SIP return |
|---|---|---|---|---|
| Small Cap | 21 | 13.21% | Bandhan Small Cap Fund | 20.89% |
| Sectoral/Thematic | 102 | 11.04% | SBI Healthcare Opportunities Fund | 19.52% |
| Mid Cap | 22 | 12.73% | Invesco India Mid Cap Fund | 17.80% |
| Large & Mid Cap | 26 | 10.07% | Motilal Oswal Large and Midcap Fund | 17.70% |
| ELSS | 30 | 8.22% | Motilal Oswal ELSS Tax Saver Fund | 15.97% |
| Flexi Cap | 27 | 8.54% | Bank of India Flexi Cap Fund | 15.15% |
| Focused | 22 | 9.59% | Invesco India Focused Fund | 15.13% |
| Value | 17 | 9.51% | Axis Value Fund | 14.90% |
| Multi Cap | 9 | 11.31% | ITI Multi Cap Fund | 14.49% |
| Dividend Yield | 6 | 9.41% | Tata Dividend Yield Fund | 11.62% |
What to take from it
- A SIP leaderboard says what happened, not what will. Funds at the top after a rally often sit lower after a fall.
- Compare the two return columns. Where the SIP return is below the lump-sum return, most of the gain came early in the five years, before many of the instalments were made.
- The best fund in a category is not always a good choice for a particular investor; check its risk and cost on its fund page.
- Returns are historical and computed from NAVs. This is not a recommendation to buy or sell any fund.
See also SIP returns by category and how SIP returns differ from fund returns.
Source: AMFI NAVs to 23 October 2026; Nifty 50 daily closes to 19 October 2026.
Frequently asked questions
Which equity fund has the best 5-year SIP return?
Bandhan Small Cap Fund, with a monthly SIP return of 20.89% a year over the 60 months to 23 October 2026 (Direct plan, Growth option). The median across 312 equity funds with a five-year record was 9.91%.
How does a Nifty 50 SIP compare?
A ₹10,000 monthly SIP in the Nifty 50 price index over the same 60 months returned about 3.72% a year, before dividends. 306 of the 312 equity funds beat it.
Why is SIP return different from the 5-year return?
A five-year return assumes one lump sum at the start. A SIP buys a little each month, so the instalments made late in the period had less time to earn and the result depends on the path of prices, not only the start and end.
This is commentary on published data, not investment advice. WealthTicker is not a SEBI-registered adviser or distributor. Figures are WealthTicker’s own calculations from public data — AMFI’s fund NAVs and disclosures, NSE’s index and FII/DII files, and the fund houses’ monthly portfolios (how we calculate). They are as of the dates stated and can be revised by their source.
Keep reading
Best large-cap fund's year trails the median small cap
To 19 October 2026 the best large-cap fund returned 4.4% in a year; the median small-cap fund 7.9%. One-year return ranges for 11 equity categories.
Last year's top-quarter equity funds: where are they now?
Of 75 equity funds in their category's top quarter in the year to October 2025, 12 were there again a year later and 21 had dropped to the bottom quarter.
5-year Nifty 50 SIPs: every start month since 1999
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