SIPs offer steady gains as most fund categories beat benchmark indices
In the last two years, systematic investment plans have shown remarkable performance, with small-cap funds leading with an average return of 14.25%. Retail investor monthly contributions saw a noteworthy increase of about 37% between August 2024 a...
Small-cap funds delivered the highest average returns, with two-year SIPs generating 14.25%, followed by multi-asset allocation funds at 8.51% and midcap funds at 7.85%.
Small-cap funds delivered the highest average returns, with two-year SIPs generating 14.25%, followed by multi-asset allocation funds at 8.51% and midcap funds at 7.85%. Multi-cap funds returned 6.25%, while large-and-mid-cap funds averaged 4.13%. Large-cap and flexi-cap funds returned 3.83% each, while focused funds averaged 3.79%.
Barring large-cap funds, most schemes across categories outperformed SIP investments in their respective benchmark indices. The resilience of SIP returns comes amid a sharp increase in monthly contributions by retail investors. Monthly SIP flows stood at Rs 32,297 crore in August 2026, compared with Rs 23,547 crore in August 2024, an increase of about 37%.
