2 weeks ago
Four Multi-Asset Funds Cross 15% SIP Returns in Three Years
Some investment funds spread your money across stocks, bonds, gold and silver so it is safer.
People often invest a little bit every month, which is called a SIP.
Over three years, only four of these funds gave returns above 15% every year.
The best one, Quant, gave 18.51% per year.
The worst one, Edelweiss, gave only 7.52% per year.
That is a big difference of almost 11 percentage points.
Over five years, three more funds also crossed the 15% mark.
The biggest fund, ICICI Prudential, did not give the best returns even though it has the most money.
That shows a bigger fund does not always mean better returns.
Each fund does differently depending on how it splits money between stocks, debt and commodities.
Only four multi-asset allocation funds delivered more than 15% SIP returns over three years, led by Quant Multi Asset Allocation Fund at 18.51%.
Nippon India (17.64%), WhiteOak Capital (16.35%) and Aditya Birla Sun Life (16.00%) were the other schemes to cross the 15% mark.
Edelweiss Multi Asset Allocation Fund posted the lowest three-year SIP return at 7.52%, a gap of nearly 11 percentage points from the leader.
Over five years, Quant again led at 20.67%, while ICICI Prudential (15.49%), SBI (15.35%) and UTI (15.16%) crossed 15% despite sub-15% three-year returns.
The largest scheme, ICICI Prudential Multi Asset Fund with net assets of ₹86,785 crore, returned just 11.77% over three years, showing fund size does not guarantee higher returns.
- Who
- Investors in Indian multi-asset allocation mutual funds, including fund houses such as Quant, Nippon India, WhiteOak Capital and Aditya Birla Sun Life.
- What
- An analysis of SIP returns showed wide variation among multi-asset allocation funds over three and five years, with only four schemes crossing 15% over three years.
- Where
- India, across the multi-asset allocation funds category tracked by AMFI.
- When
- Data as on 17th August 2026.
- Why
- To show how diversification across asset classes leads to different returns and that scheme size alone is not a reliable indicator of SIP performance.
Key facts
- Top 3-year SIP return
- 18.51% (Quant Multi Asset Allocation Fund)
- Lowest 3-year SIP return
- 7.52% (Edelweiss Multi Asset Allocation Fund)
- Top 5-year SIP return
- 20.67% (Quant Multi Asset Allocation Fund)
- Largest scheme AUM
- ₹86,785 crore (ICICI Prudential Multi Asset Fund)
- Funds above 15% (3-year)
- 4 schemes
- Minimum asset-class allocation
- 10% to at least three asset classes per AMFI
- Data source
- Value Research, as on 17th August 2026
Sources
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