CALCULATE YOUR SIP RETURNS

SBI Technology, SBI Contra Fund and More Deliver Up to 20% CAGR

Written by: Kusum KumariUpdated on: 23 Oct 2025, 7:39 pm IST
Top 5 SBI SIPs delivered 19–20.5% CAGR over 10 years. A ₹10,000 monthly SIP could grow to ₹35 lakh, showing the power of long-term SIP investing.
Mutual Fund SIP
ShareShare on 1Share on 2Share on 3Share on 4Share on 5

SBI Mutual Fund, one of India’s largest fund houses, manages over 125 schemes across equity, debt, and hybrid categories. For long-term investors, Systematic Investment Plans (SIPs) are an effective way to invest consistently and benefit from rupee-cost averaging.

Among its offerings, 5 SIP schemes have stood out over the past 10 years, delivering annual returns of 19% to 20.5% CAGR. These funds have helped investors build significant wealth with disciplined monthly investments.

Why SIP Is a Smart Investment Choice

  • Rupee-Cost Averaging: Investing a fixed amount every month smooths out market volatility.
  • Long-Term Discipline: SIPs encourage regular investment, key to wealth creation.
  • No Need for Market Timing: Monthly investments remove the stress of trying to time the market.

Top 5 SBI SIP Funds and Their 10-Year Returns

FundSIP CAGR (10 yrs)₹10,000 Monthly SIP GrowthLump Sum CAGR
SBI Technology Opportunities Fund20.59%₹10K → ₹35.5 lakh17.80% → ₹1L → ₹5.1 lakh
SBI Contra Fund20.48%₹10K → ₹35 lakh16.91% → ₹1L → ₹4.8 lakh
SBI Small Cap Fund19.93%₹10K → ₹35 lakh19.38% → ₹1L → ₹5.88 lakh
SBI PSU Fund19.63%₹10K → ₹34 lakh14.74% → ₹1L → ₹3.96 lakh
SBI Healthcare Opportunities Fund19.14%₹10K → ₹32.64 lakh12.25% → ₹1L → ₹3.18 lakh

Read More₹10,000 SIP for Your Child’s Education: Will It Be Enough in 15 Years? 

Caution for Investors

Past performance does not guarantee future returns. Mutual funds carry market risks, and SIPs should be chosen based on your financial goals, risk tolerance, and investment horizon, not just historical returns.

Conclusion

SBI Mutual Fund’s top SIP plans show how consistent investing over the long term can grow modest monthly amounts into substantial wealth. Starting early, staying disciplined, and investing in top-performing SIPs can help you achieve your financial goals efficiently.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

Mutual Fund investments in the securities market are subject to market risks, read all the related documents carefully before investing.

Published on: Oct 23, 2025, 2:09 PM IST

Kusum Kumari

Kusum Kumari is a Content Writer with 4 years of experience in simplifying financial market concepts. Currently crafting insightful content at Angel One, She specialise in breaking down complex topics into easy-to-understand pieces, blending expertise in market fundamentals and technical analysis.

Know More

We're Live on WhatsApp! Join our channel for market insights & updates

Open Free Demat Account!

Join our 3 Cr+ happy customers

+91
Enjoy Zero Brokerage on Equity Delivery
4.4 Cr+DOWNLOADS
Enjoy ₹0 Account Opening Charges

Get the link to download the App

Get it on Google PlayDownload on the App Store
Open Free Demat Account!
Join our 3 Cr+ happy customers