Top 5 Highly Rated Equity Funds Based On 10-Year SIP Returns
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1. SBI Small Cap Fund:
The small cap fund from the house of SBI mutual fund was launched in September 2009 and aims to offer investors with avenues of long term capital growth by investing mainly in a well-diversified portfolio of small cap stocks.
Since inception the fund has yielded returns to the tune of 20.48%. Furthermore, the fund commands a sizable asset size of Rs. 9620 crore as on July 31, 2021 i.e. 46% of investment in the category. Expense ratio of the fund is 1.93% as on June 30, 2021.
For its performance, the fund tracks the benchmark S&P BSE Small Cap TRI. Over a 1-year period, the scheme has underperformed the benchmark with return of over 70%. NAV of the fund as on August 11, 2021 was 92.2625.
SIP in the fund can be started for Rs. 500, while for lump sum investment you need to put in a minimum of Rs. 5000.
Top holdings of the fund are Elgi Equipments, Carborundum, JK Cement, Sheela Foam, V-Guard Industries, Finolex Industries etc.
Notably, Value Research has accorded this scheme 4-Star rating.
2. Nippon India Small Cap Fund:
In existence since September 2010, this fund has assets under management of Rs. 16,613 crore (as on July 31, 2021). Expense ratio of the fund is higher than the category average at 1.98%. Despite being a small cap fund, the mutual fund risk-o-meter has classified the fund as moderately high on risk. Latest NAV of the fund is 75.0851. Since its launch the fund has offered return of 20.30%.
The scheme is benchmarked against NIFTY Smallcap 250 TRI and over a 1-year period has yielded return of 94.28%.
The scheme other than offering long term capital appreciation also works with the objective of generating consistent returns by investing in debt and money market instruments.
SIP in the plan can be initiated with a minimum of Rs. 100 and for lump sum investment investors need to put in Rs. 5000.
Top stocks in the fund’s portfolio include Deepak Nitrite, Birla Corp, Navin Fluorine, Balrampur Chini Mills, Tube Investments, Bajaj Electricals etc.
3. Mirae Asset Emerging Bluechip Fund:
It is a large and mid cap fund from the stable of Mirae Asset Mutual fund. The fund attracts over 20% of the investment into the category and its asset size as of July 31, 2021 is Rs. 19,568 crore. Expense ratio of the fund is 1.67% lower than the category average. The fund as per the risk-o-meter is placed under the high risk category.Latest NAV of the fund is 91.796.
The fund is in existence since July 2010 and tracks its return based on the benchmark NIFTY Large Midcap 250 TRI. The fund since launch has offered return of 22.11%. The fund gives investors a chance to participate in the growth of emerging companies that show the potential to become tomorrow’s blue-chips.
The fund employs bottoms up approach of investment: driven by value investing, in growth oriented businesses.
SIP in the fund can be kick-started for minimum of Rs. 1000. Also there applies an exit load in a case when the units are redeemed within 1 year of 1%.
The fund is parked 35-65% in large cap stocks and 35-65% in mid cap stocks. Top holdings of the fund include stocks like ICICI Bank, HDFC Bank, Infosys, Axis Bank, SBI, Bharti Airtel, JK Cement, Mphasis and Tata Steel among others.
4. Quant Tax Plan-G:
It is an ELSS or equity linked savings scheme from the house of Quant Mutual fund. NAV of the fund as on August 11, 2021 is 203.6. The fund is a very high risk plan and commands a fund size of Rs. 327 crore as on July 31, 2021. Expense ratio of the fund is 2.25%, slightly on the higher side in comparison to category average.
The fund is a 21 year old plan, in existence since and since launch has offered return of over 15%. The fund for analyzing performance is benchmarked against Nifty 50 TRI.
SIP as well a lump sum investment into the ELSS scheme by Quant can be started with an investment as low as Rs. 500. Being an ELSS, this has a lock-in period of 3 years. The fund has no exit load charges.
Other than capital appreciation through investment in a well diversified basket of equities, the fund also looks to supplement this income by giving out possible dividend and other income.
Top stocks in Quant Tax Plan include ITC, Indiabulls Real Estate, Vedanta, Aurobindo Pharma, RIL, Sun Pharma, ICICI Securities, Stylam Industries etc.
5. DSP Small Cap Fund
The fund is a 14-year old scheme being run by DSP Mutual fund. The asset size of the fund is Rs. 8266 crore as of July 31, while it charges an expense ratio equal to 1.9% as on June 30. NAV of the fund is 98.67 as on August 11.
The primary objective with which the scheme is in place is to generate long term capital appreciation from investment majorly in equity and equity related securities of small cap companies. Also, on a time to time basis, the fund would deploy money in other equity and equity related securities to realize optimal portfolio
The scheme is bench-marked against S&P BSE Small Cap TRI and since inception has yielded return of over 17%.
SIP as well as lump sum investment in the fund can be started for Rs. 500.
Top holdings of the fund’s portfolio comprise stocks like Nilkamal, Atul, KPR Mill, IPCA and Suprajit Engineering among others.
Top 5 Equity Mutual Funds Based On 10-Year SIP Returns
| Equity Mutual fund | Latest value of Rs. 1000 SIP started on August 11, 2011, amounting to an investment of Rs. 1,20,000 | 10-year % Annualised return as on August 11,2021 | Rating |
|---|---|---|---|
| SBI Small Cap Fund | Rs. 4,57,623 | 25.25% | 4-Star Rating by Value Research |
| Nippon India Small Cap Fund (G) | Rs. 4,56,245 | 25.19% | 4-Star Rating by Value Research and CRISIL |
| Mirae Asset Emerging Bluechip Fund | Rs. 4,42,213 | 24.61% | 5- Star Rating by Value Research and CRISIL |
| Quant Tax Plan-G | Rs. 4,18,859 | 23.61% | 5- Star Rating by Value Research and CRISIL |
| DSP Small Cap Fund | Rs. 3,83,107 | 21.96% | 3- Star Rating by Value Research and CRISIL |
Conclusion:
The equity mutual fund investments made for over a longer term are able to offset any major downsides during the course of the investment. Also, the above story that revolves around top performing equity funds based on 10-year SIP returns includes 3 small caps which may not be the suitable investment category for most mutual fund investors being extremely high on risk. These are typically high risk and high return schemes. Nevertheless the 2-other funds from the large and mid-cap space and ELSS can be added by most investor classes.
Disclaimer:
Mutual fund investments are subject to risk being linked to equity markets and debt securities. Also, note the above story is just for informational purpose and should be construed as investment advice into these mutual funds.
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