If you’re looking to grow your wealth steadily, then investing in multicap mutual funds via SIP (Systematic Investment Plan) can be a flexible and smart way to achieve your financial goals. These types of funds spread your money across different large-cap, mid-cap, and small-cap sectors, which gives you both growth and stability at the same time.
Let’s break down the Top 5 Multicap Mutual Funds with Best SIP Returns in Last 5 Years according to their best SIP returns in the last 5 years, so that you can make wise choices for long-term wealth building.
Why Choose Multicap Mutual Funds for SIP?
Multicap mutual funds are preferred by many investors for their performance and flexibility over different market conditions. Here’s is the reason why they are a great option:
- Diversification: Your money is invested in different company sizes, which is large, medium, and small. It helps reduce and balance the risk.
- Active Management: These funds are managed by a fund manager, who can shift money between different sectors and stocks based on what’s working best in the market.
- Wealth Creation: in the long-term, multicap SIP returns over 5 years have usually delivered strong growth, which is good for wealth building.
- Ideal for Long-Term Goals: If you invest for at least 5 years or more than that, these funds can help you stay on track.
Top 5 Multicap Mutual Funds with Best SIP Returns in Last 5 Years
Here is the list of top 5 mutual funds by SIP performance in the multicap category, which is based on a ₹10,000 monthly SIP over 5 years.
1. Quant Active Fund: Direct Plan
- 5-Year SIP Returns: CAGR of 28.4%
- AUM: Around ₹6,982 crore
- Expense Ratio: 0.76%
- Benchmark: Nifty 500 TRI
Its Unique Features:
This multicap mutual fund mainly follows a bold, high-risk method and has delivered excellent returns. The fund manager regularly shifts investments based on market condition, which makes it one of the best multicap funds for SIP if you’re fine with short-term market ups and downs for long-term profits.
2. PGIM India Flexi Cap Fund: Direct Plan
- 5-Year SIP Returns: CAGR of 25.1%
- AUM: Around ₹7,100 crore
- Expense Ratio: 0.54%
- Benchmark: Nifty 500 TRI
Its Unique Features:
This multicap mutual fund is best known for picking strong mid-cap and small-cap stocks with best returns and a very low expense ratio. It’s a top choice among investors who are looking for high SIP returns with smart risk taking capacity.
3. Parag Parikh Flexi Cap Fund: Direct Plan
- 5-Year SIP Returns: CAGR of 22.6%
- AUM: Around ₹58,000 crore
- Expense Ratio: 0.76
- Benchmark: Nifty 500 TRI
Its Unique Features:
This fund has an exceptional diversification of Indian and global stocks, which includes big names from the US technical sectors. It suits best for conservative investors who want steady growth and lower risk, while still enjoying top multicap mutual funds 2025 allocation.
4. Mirae Asset Flexi Cap Fund: Direct Plan
- 5-Year SIP Returns: CAGR of 20.2%
- AUM: Around ₹38,000 crore
- Expense Ratio: 0.61%
- Benchmark: Nifty 500 TRI
Its Unique Features:
This multicap mutual fund inclined more towards large-cap stocks, which offers a bit more stability. It is also best for those who have moderate risk appetite with long-term multicap SIP returns over 5 years.
5. UTI Flexi Cap Fund: Direct Plan
- 5-Year SIP Returns: CAGR of 18.9%
- AUM: Around ₹26,000 crore
- Expense Ratio: 0.94%
- Benchmark: Nifty 500 TRI
Its Unique Features:
This fund keeps a blanched mix of all types of market caps. It is managed by an expert team and has delivered steady performance, which makes it one of the top multicap mutual funds 2025.
Comparison Table: SIP Returns (Last 5 Years)
Name of Fund | CAGR of SIP | AUM in ₹ Cr | Expense Ratio |
Quant Active Fund | 28.4% | 6,982 | 0.76% |
PGIM India Flexi Cap Fund | 25.1% | 7,100 | 0.54% |
Parag Parikh Flexi Cap Fund | 22.6% | 58,000 | 0.76% |
Mirae Asset Flexi Cap Fund | 20.2% | 38,000 | 0.61% |
UTI Flexi Cap Fund | 18.9% | 26,000 | 0.94% |
Things to Keep in Mind Before Starting a SIP in Multicap Funds
- Long-Term Investment: If you want best results, then plan to stay invested for at least 5 to 10 years to experience the power of compounding.
- Understand the Risk: These funds have some allocation in small-cap stocks, so market ups and down in the short-term will be normal.
- Fund Manager’s Strategy: Check the fund manager’s performance and how it is managed will tell you a lot about what to expect.
- Be Consistent: Try not to time the market and keep investing in SIP even if the market is down, because that’s when you get more returns.
Final Verdict
If you wish to grow your money with a flexible and balanced investment approach, then multicap mutual funds are the best choice. The funds listed above offer some of the best SIP returns in the long-run and help you build wealth.
Even if you are a beginner or wish to diversify your investment portfolio, the top multicap mutual funds 2025 listed here are worth exploring.
FAQs
Which is the best multicap mutual fund for SIP in 2025?
Quant Active Fund is the top multicap mutual fund with highest 5-year SIP returns of 28.4% CAGR.
Are multicap funds better than large-cap funds for SIP?
Multicap mutual funds may offer you better growth, because they invest in mid and small-cap stocks.
How much should I invest monthly in multicap funds through SIP?
You can start a minimum amount of ₹1,000 per month and later increase as your income grows.
Are returns guaranteed in multicap funds?
You need to keep in mind that returns depend on the market behaviour. But over time, good funds can give solid returns.
Can I pause or stop my SIP anytime?
SIPs are completely flexible. You can stop, pause, or even step-up your SIP anytime through your trading app or AMC portal.