A ₹25,000 monthly SIP over five years can build a substantial investment portfolio, though final returns depend entirely on the fund's performance during this period. According to reports from Bhawna Gupta, investors should consider multiple factors beyond just highest returns when selecting funds, including consistent performance, expense ratios, fund size, and behavior during market downturns. Past performance can help compare funds, but it does not guarantee future returns. The analysis comes as part of comprehensive investment planning that divides financial goals into three categories: long-term (7-10 years), medium-term (3-5 years), and short-term (1-3 years) goals. Recent market data shows that large & midcap funds have delivered impressive 17.90% returns over five years and 17.21% returns over ten years, positioning them as attractive options for long-term wealth creation.
HSBC Midcap Fund emerged as the top performer with a 21.78% annualised return over five years and a market cap of ₹17,188 crore. The fund's NAV stood at ₹476.20 as of August 11, 2026, with a total SIP investment of ₹15 lakh maturing to ₹27.24 lakh. Invesco India Mid Cap Fund followed with a 20.66% annualised return and market cap of ₹15,905 crore, delivering a maturity value of ₹26.36 lakh from the same ₹15 lakh investment. These funds represent the best options for long-term wealth creation, offering market-linked returns with professional fund management and diversified stock exposure.
ICICI Prudential Mid Cap Fund delivered an 18.41% annualised return as an ₹8,403 crore fund, with NAV at ₹340.25 and maturity value of ₹24.70 lakh. Motilal Oswal Midcap Fund achieved 18.08% returns with a market cap of ₹42,852 crore, generating a maturity value of ₹24.47 lakh. Edelweiss Mid Cap Fund provided 17.92% returns with a market cap of ₹19,891 crore, resulting in a maturity value of ₹24.36 lakh. These funds offer medium-risk investment options suitable for investors seeking balanced growth and stability, with large & midcap funds currently delivering 17.90% returns over five years and 17.21% returns over ten years according to latest market data.
HDFC Mid Cap Fund ranked sixth with a 17.73% annualised return and market cap of ₹1,08,325 crore, generating a maturity value of ₹24.23 lakh. Nippon India Growth Mid Cap Fund delivered 17.64% returns with a market cap of ₹52,271 crore and NAV of ₹4,472.57, resulting in a maturity value of ₹24.16 lakh. All calculations are projections based on historical performance and do not constitute investment advice, requiring individual due diligence. The analysis emphasizes that investment selection should align with specific financial goals, risk tolerance, and investment horizon to achieve optimal results, with large & midcap funds currently showing strong performance across multiple timeframes.
