27 equity mutual funds offer over 10% returns on SIP investments in a year. Do you own any?

Synopsis

Over 27 equity mutual funds have surpassed 10% returns on SIP investments in the past year, with midcap and value funds leading the pack. While many funds delivered positive single-digit returns, some experienced losses. Experts suggest this period presents a favorable risk-reward for long-term equity investments in quality businesses.

Around 27 equity mutual funds have delivered over 10% returns on SIP investments in the past year, an analysis by ETMutualFunds showed. A total of 286 equity funds have completed one year in the market.

Apart from these, 171 funds posted single-digit returns, 87 delivered negative returns, and one fund generated no return on SIP investments during the period.

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The top two funds were midcap funds. ICICI Prudential Midcap Fund and HSBC Midcap Fund delivered a return of 21.09% and 16.79%, respectively on SIP investments in the last one year. A SIP investment made in these funds of Rs 10,000 one year ago would have been Rs 1.32 lakh and Rs 1.30 lakh now.

The next two funds were value funds. LIC MF Value Fund and Quant Value Fund posted a return of 16.74% and 14.91%, respectively. If an investor invested Rs 1 lakh in these two funds, the value of these investments would have been Rs 1.29 lakh and Rs 1.28 lakh, respectively, now.

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Mahindra Manulife Value Fund and Bank of India Small Cap Fund delivered a return of 13.91% and 13.83% respectively in the last one year. SBI Focused Fund offered a return of 13.37% on SIP investments in the last one year. A lumpsum investment of Rs 1 lakh made in this fund would have been Rs 1.28 lakh crore.

Three midcap funds - Mahindra Manulife Mid Cap Fund, Nippon India Growth Mid Cap Fund, and Baroda BNP Paribas Mid Cap Fund offered a return of 12.75%, 12.63% and 11.86% respectively on SIP investments.

Quant Flexi Cap Fund delivered a return of 11.58% on SIP investments in the last one year. This was followed by two funds from Motilal Oswal Mutual Fund. Motilal Oswal Large & Midcap Fund and Motilal Oswal Focused Fund offered a return of 11.15% and 11.09%, respectively, on SIP investments.

WOC Mid Cap Fund and Old Bridge Focused Fund delivered a return of 10.66% and 10.50%, respectively. A SIP investment made in this fund of Rs 10,000 would have been Rs 1.26 lakh each.

Sundaram Small Cap Fund posted a return of 10.34% on SIP investments made on April 22, 2025. Two funds from DSP Mutual Fund - DSP Small Cap Fund and DSP Value Fund - posted a return of 10.11% and 10.07%, respectively, on SIP investments. HSBC Large & Mid Cap Fund was the last one in the list to deliver double-digit returns. The fund posted a return of 10% on SIP investments.

Single-digit performers

Quant ELSS Tax Saver Fund posted a return of 9.93% on SIP investment in the last one year. A SIP investment made in this fund would have been Rs 1.25 lakh now. Kotak Midcap Fund and Motilal Oswal Small Cap Fund delivered a return of 9.37% and 9.04%, respectively, in the last one year.

Bandhan Small Cap Fund and Invesco India Smallcap Fund delivered a return of 7.13% each on SIP investments in the last one year. Two funds from HDFC Mutual Fund - HDFC Value Fund and HDFC Mid Cap Fund delivered a return of 6.41% and 6.37%, respectively, on SIP investments. This was followed by Nippon India Small Cap Fund, the largest smallcap fund based on assets managed. The fund posted a return of 6.35%.

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Quant Mid Cap Fund posted a return of 2.67% on SIP investments in the last one year. Quant Small Cap Fund, the largest fund managed by Quant Mutual Fund, delivered a return of 2.07% in the last one year.

HDFC Flexi Cap Fund, the second-largest flexi cap fund based on assets managed, posted a return of 1.48% on SIP investments in the last one year. Parag Parikh Flexi Cap Fund, the largest active fund and flexi cap fund based on assets managed, delivered a return of 0.42% on SIP investments in the said time period.

HDFC Multi Cap Fund was the last one in the list to deliver positive and single-digit returns on SIP investments. The fund posted a return of 0.01% in the last one year.

No return

WOC Large Cap Fund, a largecap fund, failed to generate any return on SIP investments in the last one year.

Negative performers

Samco Multi Cap Fund lost the most on SIP investments. The fund posted a loss of 12.23% in the last one year. Tata Small Cap Fund delivered a negative return of 11.95% on SIP investments.

Two funds from Motilal Oswal Mutual Fund - Motilal Oswal Flexi Cap Fund and Motilal Oswal Midcap Fund - lost 8.20% and 8.18% respectively on SIP investments.

Two funds from Samco Mutual Fund - Samco Flexi Cap Fund and Samco ELSS Tax Saver Fund lost 4.80% and 4.76% on SIP investments in the last one year. Taurus Mid Cap Fund and Axis Large Cap Fund delivered a negative return of 3.02% each on SIP investments.

SBI Contra Fund, the largest and oldest contra fund, delivered a negative return of 2.08% on SIP investments. ITI Large & Mid Cap Fund and Sundaram Flexi Cap Fund lost 0.16% and 0.15% on SIP investments in the last one year.

We considered all equity mutual funds. We considered regular and growth options. We calculated the SIP performance from April 22, 2025 to April 22, 2026.

Note, the above exercise is not a recommendation. The above exercise was done to find how equity mutual funds performed in the last one year on SIP investments. One should not make investment or redemption decisions based on the above exercise.

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Way ahead for investors

Vinay Paharia, CIO, PGIM India Mutual Fund, said the last few months have been a macro stress test - combining oil shock, capital outflows, currency pressures, AI-related growth pangs and growth downgrades in a short span. However, we believe many of these are transitory and would resolve themselves with the passage of time; timelines, however, are uncertain.

Paharia further said that it is a good time to increase allocation to Indian equities. It is important to remember that timing is very difficult and investing when risk-reward is favorable is likely to be more fruitful. More importantly, the risk-reward is highly favorable for high-growth and good-quality businesses, wherein valuation as well as earnings growth are both in favor of long-term investing.

(Disclaimer: Recommendations, suggestions, views and opinions given by the experts are their own. These do not represent the views of The Economic Times)

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