Top 2 Equity Mutual Funds Deliver 30% XIRR in 5 Years; ₹10,000 SIP Grows to Nearly ₹12.5 Lakh

Investors who stayed disciplined with their equity SIPs have been rewarded handsomely, as 2 mutual funds delivered over 30% XIRR in the past 5 years. These exceptional returns showcase the power of consistent investing through SIPs in well-managed equity funds.

Motilal Oswal and Bandhan Funds Lead with Over 30% XIRR

Out of 203 equity mutual funds analysed (excluding sectoral and thematic schemes), only 2 schemes delivered over 30% XIRR from SIPs over 5 years Motilal Oswal Midcap Fund and Bandhan Small Cap Fund. These 2 funds emerged as top wealth creators for long-term SIP investors during this period.

A monthly SIP of ₹10,000 in Motilal Oswal Midcap Fund grew to ₹12.47 lakh, while the same investment in Bandhan Small Cap Fund reached ₹12.46 lakh, reflecting XIRRs of 30.13% and 30.08% respectively.

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SIP Growth: SIP of ₹10,000 to Nearly ₹12.5 Lakh Corpus 

• Motilal Oswal Midcap Fund: ₹12.47 lakh from ₹10,000 SIP, 30.13% XIRR
• Bandhan Small Cap Fund: ₹12.46 lakh from ₹10,000 SIP, 30.08% XIRR

These returns are among the best in the equity mutual fund category and underline the potential of midcap and small cap funds when held through systematic investing.

Note: Data as of July 21, 2025. 

Exceptional SIP Performance Reflects Fund Management Quality

Both funds managed to outperform the broader category by a significant margin, benefiting from favourable market cycles and strong stock selection. This performance highlights the benefits of staying invested during market volatility and continuing regular SIP contributions without interruptions.

Conclusion

The remarkable 5-year SIP performance of Motilal Oswal and Bandhan mutual funds demonstrates how consistent investing can turn small monthly savings into lakhs. With over 30% XIRR, these funds set a benchmark for SIP success stories.

Disclaimer: This blog has been written exclusively for educational purposes. The securities or companies mentioned are only examples and not recommendations. This does not constitute a personal recommendation or 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 securities are subject to market risks. Read all related documents carefully before investing.