SIP wealth creators

Biggest 10Y SIP wealth creators

What a ₹10,000 monthly SIP started 10Y ago would be worth today, fund by fund. Direct plans, growth option only. Cash-parking categories (overnight / liquid / ultra-short / money-market / floater / arbitrage) are excluded. All figures are split-adjusted (see splits log).

Window: 1Y 3Y 5Y 7Y 10Y

#	Scheme	Category	Invested	Today's value	Multiplier	XIRR
1	quant Small Cap Fund - Growth Option - Direct Plan Quant	Small Cap Fund	₹1,200,000	₹4,741,877	3.95×	+25.91%
2	quant Infrastructure Fund - Growth Option-Direct Plan Quant	Sectoral/Thematic Fund	₹1,200,000	₹4,222,776	3.52×	+23.77%
3	quant Multi Asset Allocation Fund-GROWTH OPTION-Direct Plan Quant	Multi Asset Allocation Fund	₹1,200,000	₹3,974,298	3.31×	+22.65%
4	BANK OF INDIA Manufacturing & Infrastructure Fund-Direct Plan-Growth Bank of India	Sectoral/Thematic Fund	₹1,200,000	₹3,934,893	3.28×	+22.46%
5	Nippon India Small Cap Fund - Direct Plan Growth Plan - Growth Option Nippon India	Small Cap Fund	₹1,200,000	₹3,917,589	3.26×	+22.38%
6	Nippon India Small Cap Fund - Direct Plan Growth Plan - Bonus Option Nippon India	Small Cap Fund	₹1,200,000	₹3,917,578	3.26×	+22.38%
7	Invesco India Midcap Fund - Direct Plan - Growth Option Invesco	Mid Cap Fund	₹1,200,000	₹3,866,326	3.22×	+22.14%
8	quant ELSS Tax Saver Fund - Growth Option - Direct Plan Quant	ELSS	₹1,200,000	₹3,849,009	3.21×	+22.05%
9	DSP India T.I.G.E.R. Fund - Direct Plan - Growth DSP	Sectoral/Thematic Fund	₹1,200,000	₹3,725,600	3.10×	+21.45%
10	ICICI Prudential Infrastructure Fund - Direct Plan - Growth ICICI Prudential	Sectoral/Thematic Fund	₹1,200,000	₹3,707,445	3.09×	+21.36%
11	Invesco India Infrastructure Fund - Direct Plan - Growth Option Invesco	Sectoral/Thematic Fund	₹1,200,000	₹3,700,165	3.08×	+21.32%
12	LIC MF Infrastructure Fund-Direct Plan-Growth LIC	Sectoral/Thematic Fund	₹1,200,000	₹3,691,212	3.08×	+21.28%
13	quant Flexi Cap Fund - Growth Option-Direct Plan Quant	Flexi Cap Fund	₹1,200,000	₹3,676,925	3.06×	+21.21%
14	DSP World Gold Mining Overseas Equity Omni FoF - Direct Plan - Growth DSP	Fund of Funds - Overseas	₹1,200,000	₹3,637,620	3.03×	+21.01%
15	Nippon India Growth Mid Cap Fund - Direct Plan Growth Plan - Bonus Option Nippon India	Mid Cap Fund	₹1,200,000	₹3,615,572	3.01×	+20.90%
16	Nippon India Growth Mid Cap Fund - Direct Plan Growth Plan - Growth Option Nippon India	Mid Cap Fund	₹1,200,000	₹3,615,563	3.01×	+20.90%
17	quant Mid Cap Fund - Growth Option - Direct Plan Quant	Mid Cap Fund	₹1,200,000	₹3,585,717	2.99×	+20.74%
18	Axis Small Cap Fund - Direct Plan - Growth Axis	Small Cap Fund	₹1,200,000	₹3,578,409	2.98×	+20.71%
19	DSP US Specific Equity Omni FoF - Direct Plan - Growth DSP	Fund of Funds - Overseas	₹1,200,000	₹3,549,882	2.96×	+20.56%
20	Motilal Oswal Midcap Fund-Direct Plan-Growth Option Motilal Oswal	Mid Cap Fund	₹1,200,000	₹3,542,161	2.95×	+20.52%
21	Nippon India Power & Infra Fund - Direct Plan Growth Plan - Bonus Option Nippon India	Sectoral/Thematic Fund	₹1,200,000	₹3,539,463	2.95×	+20.50%
22	Nippon India Power & Infra Fund - Direct Plan Growth Plan - Growth Option Nippon India	Sectoral/Thematic Fund	₹1,200,000	₹3,539,463	2.95×	+20.50%
23	Kotak Gold Fund Growth - Direct Kotak	Fund of Funds - Domestic	₹1,200,000	₹3,513,935	2.93×	+20.37%
24	SBI HEALTHCARE OPPORTUNITIES FUND - DIRECT PLAN -GROWTH SBI	Sectoral/Thematic Fund	₹1,200,000	₹3,507,071	2.92×	+20.33%
25	Kotak Midcap Fund - Direct Plan - Growth Kotak	Mid Cap Fund	₹1,200,000	₹3,498,116	2.92×	+20.29%
26	Quantum Gold Savings Fund - Direct Plan Growth Option Quantum	Fund of Funds - Domestic	₹1,200,000	₹3,495,420	2.91×	+20.27%
27	SBI GOLD FUND- DIRECT PLAN - GROWTH SBI	Fund of Funds - Domestic	₹1,200,000	₹3,490,572	2.91×	+20.25%
28	Union Small Cap Fund - Direct Plan - Growth Option Union	Small Cap Fund	₹1,200,000	₹3,490,119	2.91×	+20.24%
29	CANARA ROBECO INFRASTRUCTURE FUND - DIRECT PLAN - GROWTH OPTION Canara Robeco	Sectoral/Thematic Fund	₹1,200,000	₹3,485,352	2.90×	+20.22%
30	Axis Gold Fund - Direct Plan - Growth option Axis	Fund of Funds - Domestic	₹1,200,000	₹3,474,159	2.90×	+20.16%
31	ICICI Prudential Gold ETF FOF - Direct Plan - Growth ICICI Prudential	Fund of Funds - Domestic	₹1,200,000	₹3,459,570	2.88×	+20.08%
32	Aditya Birla Sun Life Gold Fund - Growth - Direct Plan Aditya Birla Sun Life	Fund of Funds - Domestic	₹1,200,000	₹3,457,039	2.88×	+20.07%
33	Franklin Build India Fund - Direct - Growth	Sectoral/Thematic Fund	₹1,200,000	₹3,447,153	2.87×	+20.01%
34	HDFC Mid Cap Fund - Growth Option - Direct Plan HDFC	Mid Cap Fund	₹1,200,000	₹3,444,178	2.87×	+20.00%
35	DSP Small Cap Fund - Direct Plan - Growth DSP	Small Cap Fund	₹1,200,000	₹3,442,028	2.87×	+19.99%
36	Nippon India Gold Savings Fund - Direct Plan Growth Plan - Growth Option Nippon India	Fund of Funds - Domestic	₹1,200,000	₹3,441,140	2.87×	+19.98%
37	Invesco India Gold ETF Fund of Fund - Direct Plan - Growth Invesco	Fund of Funds - Domestic	₹1,200,000	₹3,430,045	2.86×	+19.92%
38	Invesco India PSU Equity Fund - Direct Plan - Growth Invesco	Sectoral/Thematic Fund	₹1,200,000	₹3,400,915	2.83×	+19.76%
39	UTI Healthcare Fund - Direct Plan - Growth Option UTI	Sectoral/Thematic Fund	₹1,200,000	₹3,335,285	2.78×	+19.40%
40	ICICI Prudential MidCap Fund - Direct Plan - Growth ICICI Prudential	Mid Cap Fund	₹1,200,000	₹3,334,860	2.78×	+19.40%
41	Franklin India Opportunities Fund - Direct - Growth Franklin India	Sectoral/Thematic Fund	₹1,200,000	₹3,329,699	2.77×	+19.37%
42	Kotak Infrastructure & Economic Reform Fund- Direct Plan- Growth Option Kotak	Sectoral/Thematic Fund	₹1,200,000	₹3,324,344	2.77×	+19.34%
43	Invesco India Large & Mid Cap Fund - Direct Plan - Growth Invesco	Large & Mid Cap Fund	₹1,200,000	₹3,284,410	2.74×	+19.12%
44	Kotak-Small Cap Fund - Growth - Direct Kotak	Small Cap Fund	₹1,200,000	₹3,278,324	2.73×	+19.09%
45	quant Multi Cap Fund-GROWTH OPTION-Direct Plan Quant	Multi Cap Fund	₹1,200,000	₹3,272,853	2.73×	+19.05%
46	Tata India Pharma & Healthcare Fund-Direct Plan-Growth Tata	Sectoral/Thematic Fund	₹1,200,000	₹3,246,345	2.71×	+18.90%
47	Nippon India Pharma Fund - Direct Plan Growth Plan - Bonus Option Nippon India	Sectoral/Thematic Fund	₹1,200,000	₹3,238,684	2.70×	+18.86%
48	Nippon India Pharma Fund - Direct Plan Growth Plan - Growth Option Nippon India	Sectoral/Thematic Fund	₹1,200,000	₹3,238,684	2.70×	+18.86%
49	DSP World Mining Overseas Equity Omni FoF - Direct Plan - Growth DSP	Fund of Funds - Overseas	₹1,200,000	₹3,238,066	2.70×	+18.86%
50	SBI PSU Fund - DIRECT PLAN - GROWTH SBI	Sectoral/Thematic Fund	₹1,200,000	₹3,235,936	2.70×	+18.84%

What this list does (and doesn't) show

Each row is a backwards-looking simulation: a fixed ₹10,000 invested every month at the prevailing NAV, accumulating units, then valued at today's NAV. XIRR is the annualised internal rate of return on the resulting cash flow.

A fund at the top of this list was a great wealth creator. It does not guarantee future returns. Sectoral and thematic funds (gold, Nasdaq, Indian PSU) dominate the top of short windows because of one-off mega-rallies — typically a sign of high volatility rather than a steady ride. Look at the most-consistent list for the opposite angle.

How the math is split-adjusted

Some funds have had unit consolidation events that look like 10× returns in the raw NAV data but were actually a no-op for the investor (units halved, NAV doubled, or some other clean ratio). We detect these events and adjust the historical NAV series so the SIP simulation produces the number a real investor's portfolio would have shown. See the splits log for the full list of affected funds.