Archive · 12 Oct 2026
Top Five Equity Funds Show Impact of 10% Step-Up SIPs
A SIP is a way to invest the same amount of money regularly in a mutual fund.
The article compares five equity funds over 20 years.
It assumes someone began by investing ₹1,000 each month.
In the example, the top-ranked fund turned that into ₹11,09,210 without increasing the monthly payment.
If the payment went up by 10% each year, the final amount was ₹21,61,414.
But the investor also put in more money overall: ₹6,87,300 instead of ₹2,40,000.
The other four funds also showed higher example totals with yearly increases.
These figures are based on past returns, and real results can differ.
Nippon India ETF Nifty Next 50 Junior BeES led the listed funds with a 13.54% 20-year SIP return.
A hypothetical ₹1,000 monthly SIP in that fund grew to ₹11,09,210, based on returns through 9 October 2026.
Increasing the monthly contribution by 10% annually would have produced ₹21,61,414, with total contributions of ₹6,87,300.
The other ranked funds were Nippon India ETF Nifty Bank BeES, Quantum Value Fund, Nippon India ETF Nifty 50 BeES and ICICI Prudential BSE Sensex ETF.
The article says actual outcomes depend on market performance, investment costs and investment timing.
- Who
- Investors considering long-term SIPs in equity funds.
- What
- A comparison of five funds' 20-year SIP returns and hypothetical wealth with and without a 10% annual contribution increase.
- When
- Returns are stated as of 9 October 2026; the illustration covers 20 years.
- Where
- India; the article discusses Indian equity funds and indices.
- Why
- To show how increasing SIP contributions as income rises may affect long-term wealth.
Case for annual SIP increases
Considerations and caveats
Potential wealth accumulation
Case for annual SIP increases
The article's examples show larger hypothetical final amounts when contributions rise by 10% annually.
Considerations and caveats
The stepped-up strategy requires substantially higher contributions; outcomes are not assured and depend on market performance, costs and investment timing.
- Data source
- Value Research; direct plans; XIRR returns, as reported in the article.
- Top fund
- Nippon India ETF Nifty Next 50 Junior BeES — 13.54% 20-year SIP return.
- Top fund, regular SIP
- ₹1,000 monthly for 20 years; ₹2,40,000 total invested; ₹11,09,210 hypothetical accumulated wealth.
- Top fund, stepped-up SIP
- 10% annual increase; ₹6,87,300 total invested; ₹21,61,414 hypothetical accumulated wealth.
- Additional contribution
- The stepped-up example invests ₹4,47,300 more than the regular SIP.
- Other funds
- Nippon India ETF Nifty Bank BeES (12.38%), Quantum Value Fund (12.15%), Nippon India ETF Nifty 50 BeES (10.86%) and ICICI Prudential BSE Sensex ETF (10.62%).
- Caveat
- Actual outcomes depend on market performance, investment costs and investment timing.