SIP wealth creators

Biggest 1Y SIP wealth creators

What a ₹10,000 monthly SIP started 1Y 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	Edelweiss Emerging Markets Opportunities Equity Offshore Fund - Direct Plan - Growth Option Edelweiss	Fund of Funds - Overseas	₹120,000	₹149,644	1.25×	+48.73%
2	HSBC Global Emerging Market Fund - Growth Direct HSBC	Fund of Funds - Overseas	₹120,000	₹148,079	1.23×	+46.03%
3	Mirae Asset Global X Artificial Intelligence & Technology ETF Fund of Fund - Direct Plan- Growth Mirae Asset	Fund of Funds - Overseas	₹120,000	₹147,967	1.23×	+45.83%
4	Kotak Silver ETF Fund of Fund - Direct Plan - Growth Option Kotak	Fund of Funds - Domestic	₹120,000	₹146,059	1.22×	+42.55%
5	Edelweiss US Value Equity Offshore Fund - Direct Plan - Growth Option Edelweiss	Fund of Funds - Overseas	₹120,000	₹145,226	1.21×	+41.12%
6	DSP US Specific Equity Omni FoF - Direct Plan - Growth DSP	Fund of Funds - Overseas	₹120,000	₹145,118	1.21×	+40.94%
7	Zerodha Silver ETF FoF - Direct Growth Zerodha	Fund of Funds - Domestic	₹120,000	₹144,987	1.21×	+40.71%
8	ICICI Prudential Strategic Metal and Energy Equity Fund of Fund - Direct Plan Growth ICICI Prudential	Fund of Funds - Overseas	₹120,000	₹144,941	1.21×	+40.63%
9	TRUSTMF SMALL CAP FUND -DIRECT PLAN-GROWTH	Small Cap Fund	₹120,000	₹144,928	1.21×	+40.61%
10	ICICI Prudential NASDAQ 100 Index Fund - Direct Plan - Growth ICICI Prudential	Index Fund	₹120,000	₹144,655	1.21×	+40.14%
11	BANK OF INDIA Small Cap Fund Direct Plan Growth Bank of India	Small Cap Fund	₹120,000	₹144,651	1.21×	+40.14%
12	Navi NASDAQ100 US Specific Equity Passive FOF- Direct- Growth Navi	Fund of Funds - Overseas	₹120,000	₹144,515	1.20×	+39.91%
13	Kotak US Specific Equity Passive FOF- Direct Plan - Growth Kotak	Fund of Funds - Overseas	₹120,000	₹144,441	1.20×	+39.78%
14	Groww Silver ETF FOF - Direct - Growth Groww	Fund of Funds - Domestic	₹120,000	₹144,426	1.20×	+39.75%
15	Invesco India - Invesco EQQQ Nasdaq-100 ETF Fund of Fund - Direct Plan - Growth Invesco	Fund of Funds - Overseas	₹120,000	₹144,325	1.20×	+39.58%
16	Aditya Birla Sun Life US Equity Passive FOF-Direct-Growth Aditya Birla Sun Life	Fund of Funds - Overseas	₹120,000	₹144,117	1.20×	+39.23%
17	Axis NASDAQ 100 US Specific Equity Passive FOF - Direct Plan - Growth Axis	Fund of Funds - Overseas	₹120,000	₹144,049	1.20×	+39.11%
18	Kotak Healthcare Fund - Direct Plan - Growth Option Kotak	Sectoral/Thematic Fund	₹120,000	₹143,891	1.20×	+38.84%
19	Kotak Global Emerging Market overseas Equity Omni FOF - Growth - Direct Kotak	Fund of Funds - Overseas	₹120,000	₹143,765	1.20×	+38.63%
20	Franklin Asian Equity Fund - Direct - Growth	Sectoral/Thematic Fund	₹120,000	₹143,748	1.20×	+38.60%
21	DSP Global Clean Energy Overseas Equity Omni FoF Direct Plan - Growth DSP	Fund of Funds - Overseas	₹120,000	₹143,238	1.19×	+37.73%
22	SBI Silver ETF Fund of Fund- Direct Plan - Growth SBI	Fund of Funds - Domestic	₹120,000	₹143,109	1.19×	+37.51%
23	quant ESG Integration Strategy Fund - Growth Option - Direct Plan Quant	Sectoral/Thematic Fund	₹120,000	₹142,670	1.19×	+36.77%
24	Axis Silver Fund of Fund- Direct Plan-Growth Option Axis	Fund of Funds - Domestic	₹120,000	₹142,480	1.19×	+36.45%
25	Invesco India - Invesco Pan European Equity Fund of Fund - Direct Plan - Growth Option Invesco	Fund of Funds - Overseas	₹120,000	₹142,419	1.19×	+36.34%
26	Mirae Asset NYSE FANG + ETF Fund of Fund Direct Growth Mirae Asset	Fund of Funds - Domestic	₹120,000	₹142,361	1.19×	+36.25%
27	DSP Silver ETF Fund of Fund - Direct - Growth DSP	Fund of Funds - Domestic	₹120,000	₹142,302	1.19×	+36.14%
28	UTI Silver ETF Fund of Fund - Direct Plan - Growth Option UTI	Fund of Funds - Domestic	₹120,000	₹142,274	1.19×	+36.10%
29	quant Manufacturing Fund - Growth Option - Direct Plan Quant	Sectoral/Thematic Fund	₹120,000	₹142,225	1.19×	+36.01%
30	HDFC Pharma and Healthcare Fund - Growth Option - Direct Plan HDFC	Sectoral/Thematic Fund	₹120,000	₹142,120	1.18×	+35.84%
31	ICICI Prudential Silver ETF FOF - Direct Plan - Growth ICICI Prudential	Fund of Funds - Domestic	₹120,000	₹142,080	1.18×	+35.77%
32	HSBC Asia Pacific (Ex Japan) Dividend Yield Fund - Growth Direct HSBC	Fund of Funds - Overseas	₹120,000	₹142,028	1.18×	+35.68%
33	HDFC Silver ETF Fund of Fund - Growth Option - Direct Plan HDFC	Fund of Funds - Domestic	₹120,000	₹141,786	1.18×	+35.27%
34	Aditya Birla Sun Life Silver ETF FOF-Direct Growth Aditya Birla Sun Life	Fund of Funds - Domestic	₹120,000	₹141,774	1.18×	+35.25%
35	Nippon India Silver ETF FOF- Direct Plan-Growth Option Nippon India	Fund of Funds - Domestic	₹120,000	₹141,708	1.18×	+35.14%
36	HDFC Defence Fund - Growth Option - Direct Plan HDFC	Sectoral/Thematic Fund	₹120,000	₹141,473	1.18×	+34.74%
37	quant Commodities Fund - Growth Option - Direct Plan Quant	Sectoral/Thematic Fund	₹120,000	₹141,084	1.18×	+34.09%
38	Navi Total Stock Market US Specific Equity Passive FoF- Direct Plan- Growth Navi	Fund of Funds - Overseas	₹120,000	₹140,877	1.17×	+33.74%
39	Tata Silver ETF Fund of Fund Direct Plan Growth Option Tata	Fund of Funds - Domestic	₹120,000	₹140,864	1.17×	+33.72%
40	PGIM India Global Select Real Estate Securities Fund of Fund - Direct Plan - Growth Option PGIM India	Fund of Funds - Overseas	₹120,000	₹140,758	1.17×	+33.54%
41	HDFC Developed World Overseas Equity Passive FOF - Direct Plan - Growth Option HDFC	Fund of Funds - Overseas	₹120,000	₹140,625	1.17×	+33.32%
42	Motilal Oswal S&P 500 Index Fund - Direct Plan Growth Motilal Oswal	Index Fund	₹120,000	₹140,477	1.17×	+33.07%
43	Motilal Oswal Small Cap Fund - Direct - Growth Motilal Oswal	Small Cap Fund	₹120,000	₹140,352	1.17×	+32.85%
44	Edelweiss Recently Listed IPO Fund Direct Plan Growth Edelweiss	Sectoral/Thematic Fund	₹120,000	₹139,988	1.17×	+32.24%
45	Nippon India Japan Equity Fund- Direct Plan- Growth Plan- Bonus Option Nippon India	Sectoral/Thematic Fund	₹120,000	₹139,701	1.16×	+31.76%
46	Nippon India Japan Equity Fund- Direct Plan- Growth Plan- Growth Option Nippon India	Sectoral/Thematic Fund	₹120,000	₹139,701	1.16×	+31.76%
47	Invesco India - Invesco Global Equity Income Fund of Fund - Direct Plan - Growth Invesco	Fund of Funds - Overseas	₹120,000	₹139,575	1.16×	+31.55%
48	DSP Global Innovation Overseas Equity Omni FoF - Direct - Growth DSP	Fund of Funds - Overseas	₹120,000	₹139,521	1.16×	+31.46%
49	Quant Value Fund - Growth Option - Direct Plan Quant	Value Fund	₹120,000	₹139,456	1.16×	+31.35%
50	SBI HEALTHCARE OPPORTUNITIES FUND - DIRECT PLAN -GROWTH SBI	Sectoral/Thematic Fund	₹120,000	₹139,381	1.16×	+31.23%

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.