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:
| Fund Name |
Risk Category |
3 Year Return |
5 Year Return |
10 Year Return |
Return Since Inception |
| Nippon India Large Cap Fund - Direct Plan - Growth Plan |
Moderate |
26.33% |
27.57% |
15.43% |
16.83% |
| Canara Robeco Large Cap Fund - Direct Plan - Growth |
Moderate |
21.72% |
22.26% |
15.35% |
15.64% |
| ICICI Prudential Large Cap Fund - Direct Plan - Growth |
Moderate |
23.61% |
24.66% |
15.28% |
16.36% |
| Invesco India Large Cap Fund - Direct Plan - Growth |
Moderate |
23.73% |
23.43% |
14.70% |
16.16% |
| Mirae Asset Large Cap Fund - Direct Plan - Growth |
Moderate |
18.18% |
20.84% |
14.47% |
16.57% |
- Insurance Companies
- Mutual Funds
|
Returns |
| Fund Name |
5 Years |
7 Years |
10 Years |
| Axis Max Life |
32.5% |
21.1% |
|
| Tata AIA Life |
30.5% |
21% |
|
| Bajaj Allianz |
20.54% |
12.55% |
|
| HDFC Life |
22.14% |
14.59% |
|
| Canara HSBC Life |
16.61% |
9.87% |
|
| Bharti AXA |
17.56% |
13.27% |
|
| Birla Sun Life |
22.24% |
14.41% |
|
| ICICI Prudential Life |
19.96% |
13.09% |
|
| LIC India |
10.44% |
- |
|
| PNB MetLife |
20.57% |
16.06% |
|
Fund rating powered by
Last updated: Jul 2025
| |
Returns |
| Fund Name |
3 Years |
5 Years |
10 Years |
| QUANT |
23.92% |
31.48% |
|
| PARAG PARIKH |
20.69% |
26.41% |
|
| EDELWEISS |
22.34% |
24.29% |
|
| KOTAK |
24.64% |
25.01% |
|
| MIRAE ASSET |
19.74% |
24.32% |
|
| PGIM INDIA |
14.75% |
23.39% |
|
| DSP |
18.41% |
22.33% |
|
| CANARA ROBECO |
20.05% |
21.80% |
|
| SUNDARAM |
18.27% |
18.22% |
|
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:
| Fund Name |
Risk Category |
3 Year Return |
5 Year Return |
10 Year Return |
Return Since Inception |
| Edelweiss Mid Cap Fund - Direct Plan - Growth Option |
High |
33.54% |
35.45% |
19.66% |
22.86% |
| Kotak Emerging Equity Scheme - Direct Growth |
High |
28.90% |
32.15% |
19.56% |
21.35% |
| Motilal Oswal Midcap Fund - Direct Growth |
High |
36.57% |
37.86% |
19.06% |
24.35% |
| HDFC Mid Cap Fund - Direct Plan - Growth Option |
High |
33.01% |
33.01% |
18.87% |
21.51% |
| Quant Mid Cap Fund - Growth Option - Direct Plan |
Very High |
26.90% |
33.84% |
18.15% |
18.22% |
-
Edelweiss Mid Cap Fund - Direct Plan - Growth Option
Features:
-
Minimum limit for SIP investment: ₹1000.
-
Benchmark: - BSE MidCap 150 TR INR
-
Launch Date: 01 January 2013
-
NAV (as of 30 June 2025): ₹216.48
-
Fund Managers: Amit B. Ganatra and Aditya Khemani
-
Ideal For: Investors looking for high-growth mid-cap opportunities with proven track records.
-
Kotak Emerging Equity Scheme - Direct Growth
Features:
-
Minimum limit for SIP investment: ₹100.
-
Benchmark: - Nifty MidCap 150 TR INR
-
Launch Date: 01 January 2013
-
NAV (as of 30 June 2025): ₹157.46
-
Fund Manager: Atul Bhole
-
Ideal For: Growth-focused investors comfortable with moderate-to-high volatility.
-
Motilal Oswal Midcap Fund - Direct Growth
Features:
-
Minimum limit for SIP investment: ₹500.
-
Benchmark: - Nifty MidCap 150 TR INR
-
Launch Date: 24 February 2014
-
NAV (as of 30 June 2025): ₹118.50
-
Fund Managers: Niket Shah, Rakesh Shetty, and Sunil Sawant
-
Ideal For: Aggressive investors looking for alpha through quality mid-cap bets.
-
HDFC Mid Cap Fund - Direct Plan - Growth Option
Features:
-
Minimum limit for SIP investment: ₹100.
-
Benchmark: - Nifty MidCap 150 TR INR
-
Launch Date: 01 January 2013
-
NAV (as of 30 June 2025): ₹214.43
-
Fund Managers: Chirag Setalvad and Dhruv Muchhal
-
Ideal For: Investors seeking a balance of growth and risk within mid-cap space.
-
Quant Mid Cap Fund - Growth Option - Direct Plan
Features:
-
Minimum limit for SIP investment: ₹5000.
-
Benchmark: - Nifty MidCap 150 TR INR
-
Launch Date: 01 January 2013
-
NAV (as of 30 June 2025): ₹247.15
-
Fund Managers: Sanjeev Sharma, Ankita A. Pande, Sandeep Tandon, Yug Tibrewal, Ayush Kumbhat, Varun Pattani, and Sameer Kate
-
Ideal For: Risk-tolerant investors aiming for maximum capital appreciation.
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:
| Fund Name |
Risk Category |
3 Year Return |
5 Year Return |
10 Year Return |
Return Since Inception |
| Nippon India Small Cap Fund – Direct Plan – Growth Plan |
Very High |
31.27% |
38.81% |
22.99% |
22.15% |
| HSBC Small Cap Fund – Direct Growth |
Very High |
27.88% |
36.07% |
20.60% |
22.12% |
| SBI Small Cap Fund – Direct Plan – Growth |
Very High |
22.50% |
29.95% |
20.37% |
24.47% |
| Axis Small Cap Fund – Direct Growth |
High |
25.84% |
32.50% |
20.35% |
24.33% |
| Quant Small Cap Fund – Growth |
Very High |
31.57% |
44.41% |
19.87% |
12.49% |
-
Nippon India Small Cap Fund – Direct Plan – Growth Plan
Features:
-
Minimum limit for SIP investment: ₹5000.
-
Benchmark: - Nifty Smallcap 250 TR INR
-
Launch Date: 01 January 2013
-
NAV (as of 30 June 2025): ₹192.75
-
Fund Managers: Samir Rachh and Kinjal Desai
-
Ideal For: Aggressive investors seeking long-term wealth creation in the small-cap segment.
-
HSBC Small Cap Fund – Direct Growth
Features:
-
Minimum limit for SIP investment: ₹5000.
-
Benchmark: - Nifty Smallcap 250 TR INR
-
Launch Date: 12 May 2014
-
NAV (as of 13 January 2025): ₹92.49
-
Fund Managers: Sonal Gupta and Venugopal Manghat
-
Ideal For: Investors looking for small-cap exposure with consistent track record and growth focus.
-
SBI Small Cap Fund – Direct Plan – Growth
Features:
-
Minimum limit for SIP investment: ₹5000.
-
Benchmark: - BSE 250 SmallCap TR INR
-
Launch Date: 01 January 2013
-
NAV (as of 30 June 2025): ₹198.07
-
Fund Managers: R. Srinivisan and Mohan Lal
-
Ideal For: Investors who can withstand volatility for high long-term rewards.
-
Axis Small Cap Fund – Direct Growth
Features:
-
Minimum limit for SIP investment: ₹100.
-
Benchmark: - Nifty Smallcap 250 TR INR
-
Launch Date: 05 December 2013
-
NAV (as of 30 June 2025): ₹124.62
-
Fund Managers: Mayank Hyanki, Krishnaa N, and Tejas Sheth
-
Ideal For: Moderately aggressive investors seeking small-cap exposure with some stability.
-
Quant Small Cap Fund – Growth
Features:
-
Minimum limit for SIP investment: ₹5000.
-
Benchmark: - Nifty Smallcap 250 TR INR
-
Launch Date: 23 September 1996
-
NAV (as of 30 June 2025): ₹260.02
-
Fund Managers: Sanjeev Sharma, Ankita A. Pande, Sandeep Tandon, Yug Tibrewal, Ayush Kumbhat, Varun Pattani, and Sameer Kate
-
Ideal For: High-risk-tolerant investors seeking alpha in volatile small-cap markets.
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.
