Equity mutual funds covered by an analysis published on October 27, 2026, all posted positive returns on systematic investment plans, or SIPs, over the five- and seven-year periods examined. The analysis covered approximately 223 funds with five-year histories, including about 194 with seven-year histories.
Key Takeaways
- Seven-year SIP returns ranged from 5.75% to 24.59% among the funds examined.
- Five-year returns ranged from 1.96% to 18.08%.
- Small-cap funds occupied the top five places over seven years.
Equity mutual funds: Small caps led over seven years
Quant Small Cap Fund had the highest seven-year SIP return at 24.59%, followed by Bank of India Small Cap Fund at 22.28%. Invesco India Smallcap Fund, Nippon India Small Cap Fund and DSP Small Cap Fund completed the top five.
Shriram Flexi Cap Fund recorded the lowest seven-year return, at 5.75%. It also had the lowest five-year return, at 1.96%. Bandhan Small Cap Fund led the five-year group with 18.08%.
| Item | Details |
|---|---|
| Quant Small Cap Fund | Seven-year SIP return: 24.59%; five-year return: 14.38% |
| Bank of India Small Cap Fund | Seven-year SIP return: 22.28%; five-year return: 16.84% |
| Invesco India Smallcap Fund | Seven-year SIP return: 20.79%; five-year return: 16.20% |
| Nippon India Small Cap Fund | Seven-year SIP return: 20.24%; five-year return: 12.39% |
| DSP Small Cap Fund | Seven-year SIP return: 19.41%; five-year return: 14.21% |
What the analysis covers
The analysis included equity and equity-oriented mutual funds but excluded sectoral, thematic and equity-oriented hybrid funds. It considered only regular, growth options.
The five-year group included 29 funds with five-year histories that were not in the seven-year group. Those 29 returned between 3.99% and 18.08%. The source did not specify the exact end date used for the return calculations or whether the percentages were annualized.
The results describe the funds and historical periods examined, not a guarantee that future SIP investments will avoid losses. Funds without the required track records were not part of the respective groups.
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