SIP for Long-Term

Top Large-Cap Mutual Funds for Long-Term SIPs

SIP is a disciplined and systematic way to invest in mutual funds. Below is the list of some of the best Large-Cap mutual funds for long-term SIP:

1. Nippon India Large Cap Fund Direct-Growth

   Parameters	Details
   Fund Name	Nippon India Large Cap Fund Direct-Growth
   NAV	₹ 104.51 (as on 31st October, 2025)
   AUM	₹44,164.76 Crs
   Expense Ratio	0.64%
   Return 3 Years	21.16%
   Return 5 Years	25.57%
   Return 10 Years	15.7%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	NA
   Asset Allocation	Equity: 99.12%, Debt: 0.01%, Others: 0.87%
   Top Sectors	Financial Healthcare Materials Technology Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities
   Top Holdings	HDFC Bank Ltd Reliance Industries Ltd ICICI Bank Ltd Axis Bank Ltd State Bank of India Larsen & Toubro Ltd ITC Ltd Bajaj Finance Ltd Infosys Ltd GE T&D India Ltd
   Fund Managers	Sailesh Raj Bhan Bhavik Dave
   Fund Type	Open-ended

2. Canara Robeco Large Cap Fund Regular-Growth

   Parameters	Details
   Fund Name	Canara Robeco Large Cap Fund Regular-Growth
   NAV	₹ 64.53 (as on 31st October, 2025)
   AUM	₹16,406.92 Crs
   Expense Ratio	1.64%
   Return 3 Years	16.08%
   Return 5 Years	17.34%
   Return 10 Years	13.87%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	20th August, 2010
   Asset Allocation	Equity: 97.02%, Others: 2.98%
   Top Sectors	Real Estate Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	HDFC Bank Ltd ICICI Bank Ltd Reliance Industries Ltd Infosys Ltd Repo Bharti Airtel Ltd Larsen & Toubro Ltd State Bank of India Mahindra & Mahindra Ltd Bajaj Finance Ltd
   Fund Managers	Vishal Mishra Shridatta Bhandwaldar
   Fund Type	Open-ended

3. ICICI Prudential Large Cap Fund Direct-Growth

   Parameters	Details
   Fund Name	ICICI Prudential Large Cap Fund Direct-Growth
   NAV	₹ 125.05 (as on 31st October, 2025)
   AUM	₹71,787.87 Crs
   Expense Ratio	0.86%
   Return 3 Years	19.68%
   Return 5 Years	21.94%
   Return 10 Years	15.34%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	NA
   Asset Allocation	Equity: 93.47%, Debt: 0.75%, Others: 5.78%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	HDFC Bank Ltd ICICI Bank Ltd Reliance Industries Ltd Larsen & Toubro Ltd Repo Bharti Airtel Ltd Maruti Suzuki India Ltd Axis Bank Ltd Ultratech Cement Ltd Infosys Ltd
   Fund Managers	Anish Tawakley Vaibhav Dusad Sharmila D'Silva
   Fund Type	Open-ended

4. Invesco India Largecap Fund Direct-Growth

   Parameters	Details
   Fund Name	Invesco India Largecap Fund Direct-Growth
   NAV	₹ 85.85 (as on 31st October, 2025)
   AUM	₹1,528.01 Crs
   Expense Ratio	0.71%
   Return 3 Years	19.66%
   Return 5 Years	20.14%
   Return 10 Years	14.65%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
   Risk Level	Principal at very high risk
   Launch Date	NA
   Asset Allocation	Equity: 99.48%, Others: 0.52%
   Top Sectors	Technology Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate
   Top Holdings	HDFC Bank Ltd ICICI Bank Ltd Infosys Ltd Bajaj Finance Ltd Kotak Mahindra Bank Ltd Bharti Airtel Ltd Reliance Industries Ltd Eicher Motors Ltd Interglobe Aviation Ltd Hindustan Unilever Ltd
   Fund Managers	Amit Nigam Hiten Jain
   Fund Type	Open-ended

5. Mirae Asset Large Cap Fund Regular- Growth

   Parameters	Details
   Fund Name	Mirae Asset Large Cap Fund Regular- Growth
   NAV	₹ 115.91 (as on 31st October, 2025)
   AUM	₹39,975.32 Crs
   Expense Ratio	1.52%
   Return 3 Years	13.72%
   Return 5 Years	16.29%
   Return 10 Years	13.37%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	4th April, 2008
   Asset Allocation	Equity: 99.78%, Debt: 0%, Others: 0.22%
   Top Sectors	Healthcare Materials Technology Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Real Estate
   Top Holdings	HDFC Bank Ltd ICICI Bank Ltd Infosys Ltd Reliance Industries Ltd ITC Ltd Bharti Airtel Ltd Tata Consultancy Services Ltd Larsen & Toubro Ltd Axis Bank Ltd Maruti Suzuki India Ltd
   Fund Managers	NA
   Fund Type	Open-ended

Top Mid-Cap Mutual Funds for Long-Term SIPs

Below is the list of some of the best Mid-Cap mutual funds for long-term SIP:

1. Edelweiss Mid Cap Fund Regular-Growth

   Parameters	Details
   Fund Name	Edelweiss Mid Cap Fund Regular-Growth
   NAV	₹ 103.24 (as on 31st October, 2025)
   AUM	₹11,026.93 Crs
   Expense Ratio	1.68%
   Return 3 Years	24.31%
   Return 5 Years	29.1%
   Return 10 Years	17.94%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	26th December, 2007
   Asset Allocation	Equity: 96.4%, Debt: 3.97%, Others: -0.37%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	Others CBLO Max Healthcare Institute Ltd Persistent Systems Ltd Coforge Ltd Marico Ltd PB Fintech Ltd Fortis Healthcare Ltd Solar Industries India Ltd Dixon Technologies (India) Ltd UNO Minda Ltd
   Fund Managers	Raj Koradia Trideep Bhattacharya Dhruv Bhatia
   Fund Type	Open-ended

2. Kotak Midcap Fund Regular-Growth

   Parameters	Details
   Fund Name	Kotak Midcap Fund Regular-Growth
   NAV	₹ 138.49 (as on 31st October, 2025)
   AUM	₹57,375.20 Crs
   Expense Ratio	1.39%
   Return 3 Years	22.42%
   Return 5 Years	27.51%
   Return 10 Years	18.07%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	30th March, 2007
   Asset Allocation	Equity: 98.08%, Debt: 0.23%, Others: 1.69%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	Fortis Healthcare Ltd GE T&D India Ltd Dixon Technologies (India) Ltd Mphasis Ltd Ipca Laboratories Ltd Vishal Mega Mart Ltd. Swiggy Ltd. JK Cement Ltd Coromandel International Ltd Solar Industries India Ltd
   Fund Managers	NA
   Fund Type	Open-ended

3. Motilal Oswal Midcap Fund Regular-Growth

   Parameters	Details
   Fund Name	Motilal Oswal Midcap Fund Regular-Growth
   NAV	₹ 104.03 (as on 31st October, 2025)
   AUM	₹33,608.53 Crs
   Expense Ratio	1.55%
   Return 3 Years	25.97%
   Return 5 Years	33.24%
   Return 10 Years	17.66%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹500
   Risk Level	Principal at very high risk
   Launch Date	24th February, 2014
   Asset Allocation	Equity: 91.01%, Debt: 6.84%, Others: 2.15%
   Top Sectors	Real Estate Materials Consumer Discretionary Industrials Financial Healthcare Technology
   Top Holdings	Reverse Repo/CBLO Dixon Technologies (India) Ltd Zomato Ltd Coforge Ltd Kalyan Jewellers India Ltd Persistent Systems Ltd One 97 Communications Ltd Trent Ltd Others CBLO Polycab India Ltd
   Fund Managers	Ajay Khandelwal Niket Shah Rakesh Shetty Sunil Sawant
   Fund Type	Open-ended

   

4. HDFC Mid Cap Fund Regular-Growth

   Parameters	Details
   Fund Name	HDFC Mid Cap Fund Regular-Growth
   NAV	₹ 200.79 (as on 31st October, 2025)
   AUM	₹83,847.39 Crs
   Expense Ratio	1.34%
   Return 3 Years	25.7%
   Return 5 Years	29.27%
   Return 10 Years	18%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	25th June, 2007
   Asset Allocation	Equity: 93.6%, Others: 6.4%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Repo Max Financial Services Ltd Balkrishna Industries Ltd Indian Bank Fortis Healthcare Ltd Coforge Ltd AU Small Finance Bank Ltd The Federal Bank Ltd Glenmark Pharmaceuticals Ltd Ipca Laboratories Ltd
   Fund Managers	Chirag Setalvad Dhruv Muchhal
   Fund Type	Open-ended

5. Quant Mid Cap Fund Direct-Growth

   Parameters	Details
   Fund Name	Quant Mid Cap Fund Direct-Growth
   NAV	₹ 241.24 (as on 31st October, 2025)
   AUM	₹8,778.42 Crs
   Expense Ratio	0.71%
   Return 3 Years	18.86%
   Return 5 Years	29.21%
   Return 10 Years	18.16%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	NA
   Asset Allocation	Equity: 98.38%, Debt: 1.92%, Others: -0.3%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Repo MIDCAPNIFTY 28/10/2025 Aurobindo Pharma Ltd Tata Communications Ltd Premier Energies Ltd. Reliance Industries Ltd Marico Ltd IRB Infrastructure Developers Ltd Lloyds Metals and Energy Ltd LUPIN_28/08/2025
   Fund Managers	Sanjeev Sharma Ankit A Pande Sandeep Tandon Varun Pattani Ayusha Kumbhat Sameer Kate Yug Tibrewal
   Fund Type	Open-ended

SIP Calculator

I know my investment amount I know my goal amount

Monthly SIP Yearly SIP Lumpsum

I want to invest Pro Tip

Financial experts suggest that a person should invest 10-15% of their monthly income for long-term financial growth

/Month

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

Years

• 1
• 2
• 3
• 4
• 6
• 7
• 8
• 9
• 11
• 12
• 13
• 14
• 16
• 17
• 18
• 19
• 21
• 22
• 23
• 24
• 26
• 27
• 28
• 29
• 31
• 32
• 33
• 34
• 36
• 37
• 38
• 39
• 40

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

• 1
• 2
• 3
• 4
• 6
• 7
• 8
• 9
• 11
• 12
• 13
• 14
• 16
• 17
• 18
• 19
• 21
• 22
• 23
• 24
• 26
• 27
• 28
• 30

Total Wealth ₹22.4 L

View Plans

I want to save

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

Years

• 1
• 2
• 3
• 4
• 6
• 7
• 8
• 9
• 11
• 12
• 13
• 14
• 16
• 17
• 18
• 19
• 21
• 22
• 23
• 24
• 26
• 27
• 28
• 29
• 31
• 32
• 33
• 34
• 36
• 37
• 38
• 39
• 40

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

• 1
• 2
• 3
• 4
• 6
• 7
• 8
• 9
• 11
• 12
• 13
• 14
• 16
• 17
• 18
• 19
• 21
• 22
• 23
• 24
• 26
• 27
• 28
• 30

Monthly Investment ₹22.4 L

View Plans

Top Funds with High Returns (Past 7 Years)

12.6%

Equity Pension

16.14%

Global Equity Index Funds Strategy

17.8%

High Growth Fund

15.5%

Pension India Consumption Fund

20.52%

Multi Cap Fund

14.53%

Accelerator Mid-Cap Fund II

15.85%

Multiplier

14.41%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

10.88%

Equity II Fund

13.87%

US Equity Fund

14.74%

Growth Opportunities Plus Fund

11.62%

Equity Top 250 Fund

13.77%

Future Apex Fund

11.51%

Pension Dynamic Equity Fund

14.04%

Accelerator Fund

Top Small-Cap Mutual Funds for Long-Term SIPs

Below is the list of some of the best Small-Cap mutual funds for long-term SIP:

1. Nippon India Small Cap Fund Direct- Growth

   Parameters	Details
   Fund Name	Nippon India Small Cap Fund Direct- Growth
   NAV	₹ 192.23 (as on 31st October, 2025)
   AUM	₹65,922.00 Crs
   Expense Ratio	0.64%
   Return 3 Years	23.26%
   Return 5 Years	33.46%
   Return 10 Years	21.75%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	NA
   Asset Allocation	Equity: 95.16%, Debt: 0.03%, Others: 4.81%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	Repo Multi Commodity Exchange Of India Ltd HDFC Bank Ltd Kirloskar Brothers Ltd Paradeep Phosphates Ltd Karur Vysya Bank Ltd Apar Industries Ltd Elantas Beck India Ltd State Bank of India NLC India Ltd
   Fund Managers	NA
   Fund Type	Open-ended

2. HSBC Small Cap Fund Direct-Growth

   Parameters	Details
   Fund Name	HSBC Small Cap Fund Direct-Growth
   NAV	₹ 90.48 (as on 31st October, 2025)
   AUM	₹16,535.82 Crs
   Expense Ratio	0.64%
   Return 3 Years	20.69%
   Return 5 Years	30.89%
   Return 10 Years	18.01%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	12th May, 2014
   Asset Allocation	Equity: 96.04%, Others: 3.96%
   Top Sectors	Consumer Discretionary Industrials Diversified Energy & Utilities Financial Healthcare Materials Real Estate Technology Consumer Staples
   Top Holdings	Repo Nippon Life India Asset Management Ltd Multi Commodity Exchange Of India Ltd Techno Electric & Engineering Company Ltd GE T&D India Ltd Kaynes Technology India Ltd KPR Mills Ltd Time Technoplast Ltd Karur Vysya Bank Ltd Supreme Petrochem Ltd
   Fund Managers	Venugopal Manghat Sonal Gupta
   Fund Type	Open-ended

3. SBI Small Cap Fund Direct-Growth

   Parameters	Details
   Fund Name	SBI Small Cap Fund Direct-Growth
   NAV	₹ 199.82 (as on 31st October, 2025)
   AUM	₹35,562.96 Crs
   Expense Ratio	0.74%
   Return 3 Years	14.99%
   Return 5 Years	25.22%
   Return 10 Years	19.48%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	NA
   Asset Allocation	Equity: 92.38%, Debt: 2.65%, Others: 4.97%
   Top Sectors	Energy & Utilities Technology Consumer Discretionary Industrials Consumer Staples Financial Healthcare Materials Real Estate
   Top Holdings	Repo Nifty Index 28-Aug-25 Nifty Index 28-OCT-25 Bank Nifty Index 28-Aug-25 Bank Nifty Index 28-OCT-25 EID-Parry (India) Ltd Ather Energy Ltd. Kalpataru Power Transmission Ltd SBFC Finance Ltd Krishna Institute Of Medical Sciences Ltd
   Fund Managers	Pradeep Kesavan Rama Iyer Srinivasan
   Fund Type	Open-ended

   

4. Axis Small Cap Fund Regular-Growth

   Parameters	Details
   Fund Name	Axis Small Cap Fund Regular-Growth
   NAV	₹ 107.99 (as on 31st October, 2025)
   AUM	₹26,142.65 Crs
   Expense Ratio	1.6%
   Return 3 Years	18.55%
   Return 5 Years	25.88%
   Return 10 Years	18.33%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	29th November, 2013
   Asset Allocation	Equity: 91.04%, Debt: 10.83%, Others: -1.87%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Diversified Materials Technology Real Estate
   Top Holdings	Others CBLO Krishna Institute Of Medical Sciences Ltd Brigade Enterprises Ltd Cholamandalam Financial Holdings Ltd CCL Products (India) Ltd Kaynes Technology India Ltd JB Chemicals & Pharmaceuticals Ltd Multi Commodity Exchange Of India Ltd Net Receivables Blue Star Ltd
   Fund Managers	Mayank Hyanki Krishnaa Narayan Tejas Sheth
   Fund Type	Open-ended

5. Quant Small Cap Fund Direct Plan-Growth

   Parameters	Details
   Fund Name	Quant Small Cap Fund Direct Plan-Growth
   NAV	₹ 284.12 (as on 31st October, 2025)
   AUM	₹29,462.70 Crs
   Expense Ratio	0.71%
   Return 3 Years	25.18%
   Return 5 Years	35.17%
   Return 10 Years	20.33%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	NA
   Asset Allocation	Equity: 94.21%, Debt: 0.32%, Others: 5.46%
   Top Sectors	Industrials Technology Consumer Discretionary Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate
   Top Holdings	Reliance Industries Ltd Repo Jio Financial Services Limited RBL Bank Ltd Aegis Logistics Ltd Adani Power Ltd Bikaji Foods International Ltd Anand Rathi Wealth Ltd Aster DM Healthcare Ltd Ventive Hospitality Ltd.
   Fund Managers	Sanjeev Sharma Ankit A Pande Sandeep Tandon Varun Pattani Ayusha Kumbhat Sameer Kate Yug Tibrewal
   Fund Type	Open-ended

Conclusion

Choosing the best SIP for long-term investing depends on your risk appetite and financial goals. Large-cap funds offer stability, mid-cap funds strike a balance between growth and risk, while small-cap funds deliver high returns for high-risk investors. Whichever category you choose, SIPs in mutual funds offer a smart, consistent, and effective route to wealth creation when invested for the long haul.