What Do These 17 Mutual Funds Know That Others Don’t? SIPs That Soared Over 20% in 10 Years

In a stellar showcase of long-term wealth creation, 17 equity mutual funds have delivered over 20% XIRR on Systematic Investment Plans (SIPs) over the past 10 years, according to data as of June 27, 2025. Leading the pack are Quant Small Cap Fund and Nippon India Small Cap Fund, with 25.32% and 23.84% XIRR, respectively.

The Parag Parikh Flexi Cap Fund also made the elite list, clocking a 20.07% XIRR, reinforcing its reputation as a consistent performer across market cycles. The analysis, based on 156 equity schemes (excluding sectoral/thematic funds), highlights the dominance of small- and mid-cap funds in delivering superior long-term returns.

The surge in SIP returns is attributed to disciplined investing, market resilience, and fund managers’ tactical asset allocation. Notably, the Quant Flexi Cap and Quant Mid Cap Funds also featured with XIRRs above 21%, showcasing the fund house’s strong multi-cap strategy.

Key Highlights:
Top performer: Quant Small Cap Fund – 25.32% XIRR

Parag Parikh Flexi Cap: 20.07% XIRR

Total funds with 20%+ XIRR: 17

Timeframe: 10-year SIPs ending June 27, 2025

Trend: Small- and mid-cap funds dominate

Source: The Economic Times