7 Equity Funds Beat 20%: Is Your SIP Underperforming?
Only 7 diversified equity mutual funds delivered more than 20% annualised SIP returns over 10 years. Small and mid-cap funds led the pack. If your SIP is earning less, it may be time to review where your money is going.
₹10,000/month is roughly what many families spend on groceries — but invested in a top SIP, it could beat a ₹38 lakh FD.
Your ₹10,000/month SIP could have grown this big in 10 years
Key Takeaways
Check your current SIP's 10-year annualised return (XIRR) on your mutual fund app or CAMS/KFintech portal — if it's below 12%, it deserves a hard look.
Compare your fund's performance against its benchmark index and category average on SEBI-registered platforms like MFCentral or Value Research before making any switch.
Avoid chasing last year's top performers — instead, review rolling 5- and 10-year SIP returns to spot funds with consistent, not just lucky, outperformance.
Only 7 diversified equity mutual funds delivered more than 20% annualised SIP returns over 10 years. Small and mid-cap funds led the pack. If your SIP is earning less, it may be time to review where your money is going.
Here's what happened: Only 7 diversified equity mutual funds (excluding sectoral and thematic schemes) delivered annualised SIP returns above 20% over the past 10 years.. A ₹10,000 monthly SIP in the best-performing fund from this group grew to approximately ₹38.8 lakh — far outpacing fixed deposits or recurring deposits.. Small-cap and mid-cap fund categories dominated the top performers list, while most large-cap and flexi-cap funds did not make the 20% threshold..
What you should do: Check your current SIP's 10-year annualised return (XIRR) on your mutual fund app or CAMS/KFintech portal — if it's below 12%, it deserves a hard look.. Compare your fund's performance against its benchmark index and category average on SEBI-registered platforms like MFCentral or Value Research before making any switch.. Avoid chasing last year's top performers — instead, review rolling 5- and 10-year SIP returns to spot funds with consistent, not just lucky, outperformance..
XIRR, not absolute returns, is the correct way to measure SIP performance. A fund showing '₹35 lakh corpus' sounds great — but always check the annualised XIRR to compare fairly across funds.
For readers weighing their credit and loan options, our personal loan guide and CIBIL score resources put this update in context.
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- [1]“Looking for top SIP performers? These 7 equity mutual funds delivered over 20% returns in 10 years” mint - money · 2 Aug 2026
This article is reported by GoCredit's Editorial Team based on the source above. GoCredit synthesises, contextualises, and adds India-borrower-relevant analysis. We are not the original publisher.