SIP Calculator: ₹10,000 SIP in Franklin India Flexi Cap Fund Turns into ₹17 Crore in 31 Years

A monthly SIP of ₹10,000 started in September 1994 in Franklin India Flexi Cap Fund would have grown into a corpus of around ₹17.49 crore by November 2025, according to data shared by the fund house. Over 31 years, the total investment would have been just ₹37.3 lakh.

Strong Performance Over Decades

The fund, which is close to completing 31 years, has built assets under management (AUM) of nearly ₹20,000 crore. It has consistently beaten its benchmark, the Nifty 500 TRI, across multiple time periods, including 2, 3, 5, 15 years and since inception.

Lump Sum Returns Also Impressive

A one-time investment of ₹10,000 at launch would have grown to nearly ₹17 lakh by November 2025. In comparison, the same amount invested in the benchmark would be worth only about ₹3 lakh.

Portfolio and Fund Strategy

The fund’s portfolio is led by banking stocks, which make up about 25% of its equity exposure. Other major sectors include IT software, telecom, construction and retail. The fund can invest across large, mid and small-cap stocks and follows a Growth at Reasonable Price (GARP) strategy.

Also Read: SIP for Down Payment vs Full Property Purchase – Which Goal Works Better?

Experienced Fund Management

The scheme is managed by Janakiraman Rengaraju, along with Rajasa Kakulavarapu and Sandeep Manam, who have guided the fund through several market cycles.

Conclusion

This example shows how small, regular investments can compound into significant wealth over time. While past performance is encouraging, investors should always assess their risk appetite and investment horizon before investing in mutual funds.

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. 

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