SIP Calculator: How a ₹2,000 SIP Grew to ₹5 Crore in Nippon India’s Mid-Cap Fund

It may sound impossible, but a small monthly SIP of ₹2,000 has grown into more than ₹5 crore in the Nippon India Growth Mid Cap Fund. Over the last 30 years, the scheme has delivered a strong CAGR of around 22.6%, proving how time, discipline, and long-term planning can transform small savings into big wealth.

If someone had invested ₹2,000 every month from the fund’s launch, their total investment would be just ₹7.2 lakh. But because the fund performed well and compounding worked steadily, that amount has grown to ₹5.37 crore today.

Fund Overview

Launch and Key Numbers

• Launch date: October 8, 1995
• AUM: ₹41,268 crore (Oct 31, 2025)
• Regular plan expense ratio: 1.54%
• Direct plan expense ratio: 0.74%
• Standard deviation: 15.48%
• Beta: 0.93
• Sharpe ratio: 1.17
• Portfolio turnover: 0.06
• Exit load: 1% if redeemed within 1 month
• NAV: ₹4,216.35 (Dec 3, 2025)

SIP Performance

• 30-year SIP CAGR: 22.63%
• Monthly SIP: ₹2,000
• Total invested: ₹7,20,000
• Value today:₹5,37,25,176 (₹5.37 crore)

Lump Sum Performance

• Since launch: 22.28% CAGR
• ₹10,000 invested becomes:₹42,50,030

Top 5 Holdings

• Fortis Healthcare – 3.36%
• BSE – 3.06%
• Cholamandalam Financial Holdings – 2.47%
• AU Small Finance Bank – 2.45%
• Persistent Systems – 2.36%

Major Sector Allocation

• Auto components – 8.21%
• Banks – 8.11%
• Finance – 8.05%
• Consumer durables – 6.23%
• Pharma & biotech – 6.04%

Also Read: How Much Should a 30-Year-Old Invest Monthly to Build ₹2 Crore?

Investment Strategy

The fund invests in mid-cap companies with strong business models and the potential to become future market leaders. The focus is on high-quality businesses that can deliver better-than-benchmark returns over long periods.

Mid-cap funds can be volatile in the short term, but they offer strong growth potential if held for the long run.

Conclusion

The Nippon India Growth Mid Cap Fund shows how powerful small, consistent investments can become when paired with long-term commitment. A simple ₹2,000 SIP turned into ₹5 crore, proving that time in the market is far more important than timing the market.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a private 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 are subject to market risks, read all scheme-related documents carefully.