SIP wealth creators
Biggest 7Y SIP wealth creators
What a ₹10,000 monthly SIP started 7Y 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).
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.