A 10-year SIP can significantly grow wealth through the power of compounding. We look at the top-performing active diversified equity funds and hybrid funds, their long-term SIP returns and how a ₹10,000 monthly investment could have grown over a decade.
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For investors who use systematic investment plans (SIPs) to build wealth for long-term goals, the key question is not just how much they invest, but how much that money can grow over time.
A 10-year investment horizon can allow the power of compounding to play a significant role. Based on 10-year SIP returns, the top five active diversified equity funds (excluding sectoral/ thematic funds) and hybrid funds have been identified. No debt schemes feature among the top performers.
So, which are the top five mutual fund schemes that have delivered the highest 10-year SIP returns and created the most wealth for investors? Here’s how much wealth an investor could have created by October 2026 by starting a ₹10,000 monthly SIP 10 years ago.
What are the top five mutual funds by 10-year SIP returns?
| Mutual Fund | Category | 10-year SIP return | Amount invested (in lakh) | Returns Earned (in lakh) | Final value (in lakh) |
| Quant Small Cap Fund | Equity | 25.39% | ₹12 | ₹34.09 | ₹46.09 |
| Nippon India Small Cap Fund | Equity | 21.59% | ₹12 | ₹25.52 | ₹37.52 |
| Quant Multi Asset Allocation Fund | Hybrid | 21.48% | ₹12 | ₹25.30 | ₹37.30 |
| Quant ELSS Tax Saver Fund | Equity | 20.82% | ₹12 | ₹23.99 | ₹35.99 |
| Invesco India Mid Cap Fund | Equity | 20.61% | ₹12 | ₹23.58 | ₹35.58 |
*Source: Value Research, Direct plans, XIRR Returns as on 5 October 2026
The biggest wealth creation in the list came from the Quant Small Cap Fund, which delivered a 10-year SIP return of 25.39%.
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