SIP Calculator: How ₹10,000 SIP Grows to ₹1.4 Crore in 16 Years in this Fund?

SBI Small Cap Fund is among the top-performing schemes of SBI Mutual Fund. A ₹10,000 monthly SIP in this fund has grown to over ₹1.4 crore in 16 years, while a lump sum investment has multiplied 17 times since its 2009 launch. The fund has consistently delivered strong returns across market cycles, making it a trusted choice for long-term investors.

Strong Long-Term Returns

Since its inception on 9 September 2009, the fund has given an impressive 19.35% annualised return. A one-time investment of ₹1 lakh made at launch would now be worth around ₹17.42 lakh.

• 15-year return: 18.70%
• 10-year return: 18.34%
• 5-year return: 24.29%

A 16-year SIP of ₹10,000 per month (₹20.2 lakh total) has grown to ₹1.4 crore, delivering 20.43% annualised returns, proving the power of disciplined investing.

Fund Overview and Key Details

• AUM: ₹36,933 crore (as of Oct 31, 2025)
• NAV: ₹171.05 (as of Nov 10, 2025)
• Expense ratio (Regular): 1.56%
• Expense ratio (Direct): 0.75%
• Benchmark: BSE 250 Smallcap Index TRI
• Exit load: 1% if redeemed within 1 year

Investment Strategy

The SBI Small Cap Fund mainly invests 65–100% in small-cap stocks, with flexibility to invest in large- and mid-cap companies, debt, and money market instruments. It follows a bottom-up stock-picking approach, combining growth and value strategies to find companies with strong fundamentals and long-term growth potential.

Top Holdings (as of October 2025)

• Ather Energy – 3.76%
• SBFC Finance – 2.76%
• E.I.D-Parry (India) – 2.71%
• Kalpataru Projects International – 2.69%
• City Union Bank – 2.58%

Other notable stocks include Chalet Hotels, KIMS, Navin Fluorine, and Kajaria Ceramics.

Read More, SIP Calculator: ₹5,100 Monthly for 15 Years vs ₹11,000 for 7 Years – Which Gives Better Returns?

Sector Allocation

The fund is well diversified across key sectors:

• Financial Services – 13.40%
• Capital Goods – 10.87%
• Consumer Durables – 9.33%
• FMCG – 8.90%
• Consumer Services – 8.70%
• Chemicals – 8.09%
• Auto Components – 7.03%
• Construction – 6.90%
• Healthcare – 2.42%

Conclusion

SBI Small Cap Fund has built a strong reputation for long-term wealth creation, even amid market volatility. Its disciplined approach, diversified portfolio, and consistent returns make it an ideal choice for investors looking to build wealth through SIPs or long-term investments.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. It is based on several secondary sources on the internet and is subject to changes. 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 are subject to market risks, read all scheme-related documents carefully.