Best SIP Investment Plan for 10 Years: A Practical Guide

A long-term wealth creation journey through SIPs can be greatly impacted by the choice of equity funds. Investors who have a 10-year horizon benefit from multiple growth cycles in addition to market compounding, particularly in small, mid, and flexi cap categories. Here is a carefully chosen collection of funds that combine performance, diversification, and thematic exposure, along with their long-term SIP results, to help you see how disciplined investing functions over a ten-year period.

A Comprehensive Guide to India's Best SIP Plans for Ten-Year Investments

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Detailed Overview of the Top SIP Plans for 10 Year Investment in India

Quant ELSS Tax Saver Fund

Quant ELSS Tax Saver Fund combines long-term wealth creation with tax efficiency under Section 80C. With a mandatory three-year lock-in, it encourages disciplined investing and gives the manager room to take long-term equity calls. The fund is managed by Mr. Sandeep Tandon, Mr. Ankit Pande, Mr. Varun Pattani, Ms.Ayusha Kumbhat, Mr.Yug Tibrewal, Mr.Sameer Kate, Mr. Sanjeev Sharma.

It mainly invests in a diversified basket of growth-oriented equities and has delivered impressive returns over the last decade. With a 10-year CAGR of 20.14%, a monthly SIP of ₹10,000 would have grown to approximately ₹38.58 lakh, making it one of the strongest performers in the ELSS category.

AUM: ₹12,514.2 crore

Inception: April 13, 2000

Nippon India Small Cap Fund

Nippon India Small Cap Fund focuses on emerging companies with high growth potential, backed by strong research depth and sectoral diversification. It aims to capture wealth creation in the early stages of business expansion, where valuations may be low but runway for growth is high. Managed by Mr. Samir Rachh, the fund is spread across industries to balance small-cap risk.

Over the last 10 years, it has delivered a CAGR of 19.69%, turning a SIP of ₹10,000 per month into approximately ₹37.47 lakh. These outcomes show strong long-term alpha generation despite the high volatility associated with small-cap investing.

AUM: ₹68,571.9 crore

Inception: September 16, 2010.

Quant Small Cap Fund

Quant Small Cap Fund targets high-potential small-cap companies through Quant’s dynamic stock and sector rotation strategy. Managed by Mr. Sandeep Tandon, Mr. Ankit Pande, Mr. Varun Pattani, Ms. Ayusha Kumbhat, Mr. Yug Tibrewal, Mr. Sameer Kate, Mr. Sanjeev Sharma, the fund actively adjusts to market cycles, seeking to capture upward momentum rather than stay static. While this approach can make returns more volatile, it has historically created strong SIP outcomes for patient investors.

Over 10 years, the fund has generated a CAGR of 18.97%, translating a ₹10,000 monthly SIP into approximately ₹35.77 lakh. It demands a high risk appetite but rewards investors who remain committed through market corrections and cycles.

AUM: ₹30,169.7 crore

Inception: October 16, 1996.

Quant Infrastructure Fund

Quant Infrastructure Fund offers exposure to India’s infrastructure growth story – spanning sectors like engineering, utilities, transport, construction and allied services. This theme benefits from government spending and long-term capex cycles, but returns can be uneven and cyclical. Managed by Mr. Sandeep Tandon, Mr. Ankit Pande, Mr. Lokesh Garg, Ms.Ayusha Kumbhat, Mr. Varun Pattani, Mr. Yug Tibrewal, Mr. Sameer Kate, Mr. Sanjeev Sharma, the fund uses Quant’s dynamic allocation models to rotate across infra opportunities.

The fund has delivered a 10-year CAGR of 18.87%, with a ₹10,000 monthly SIP growing to about ₹35.54 lakh. While category volatility can be high, the long-term return potential remains strong, especially as infrastructure spending continues to expand across the economy.

AUM: ₹3,187.6 crore

Inception: August 26, 2007.

Quant Flexi Cap Fund

Quant Flexi Cap Fund gives the fund manager full freedom to allocate across large, mid and small caps based on market conditions and valuation opportunities. This flexibility allows the portfolio to dynamically reshape as macro and liquidity signals shift. Managed by Mr. Sandeep Tandon, Mr. Ankit Pande, Mr. Varun Pattani , Mr. Lokesh Garg, Ms. Ayusha Kumbhat , Mr. Yug Tibrewal, Mr. Sameer Kate, Mr. Sanjeev Sharma, the fund takes an aggressive stance compared to traditional flexi-cap peers.

With a 10-year CAGR of 18.82%, a SIP of ₹10,000 per month would have grown to around ₹35.43 lakh. This strategy works well for investors who want equity diversification without locking into a single market-cap segment.

AUM: ₹6,866.7 crore

Inception: September 23, 2008

DSP Natural Resources & New Energy Fund

DSP Natural Resources & New Energy Fund is a thematic equity product investing in natural resources, energy, metals, mining and renewable energy sectors. The portfolio may also include overseas exposure, giving investors a global angle. The fund is managed by Mr. Rohit Singhania and is influenced heavily by commodity and energy cycles, which can make performance lumpy.

Despite the cyclical nature of the theme, the fund has delivered a CAGR of 18.56% over 10 years, and a ₹10,000 SIP would have grown to approximately ₹34.84 lakh. It offers a unique diversification route beyond standard market-cap allocations.

AUM: ₹1,467.2 crore

Inception: April 25, 2008

HDFC Mid Cap Fund

HDFC Mid Cap Fund focuses on fundamentally strong mid-cap companies with scalable, quality-driven business models. Managed by Mr. Chirag Setalvad, the fund follows a patient buy-and-hold approach, leaning on valuation discipline and conviction investing. Mid-caps offer a balance between small-cap growth potential and large-cap stability, and this fund reflects that positioning well.

The fund has delivered a 10-year CAGR of 18.47%, and long-term SIP investors have accumulated around ₹34.64 lakh through ₹10,000 monthly contributions. It stands out for consistency and stability across market cycles.

AUM: ₹92,168.9 crore

Inception: June 25, 2007.

Invesco India Midcap Fund

Invesco India Midcap Fund invests primarily in mid-cap companies with strong growth visibility and scalable business potential. Managed by Mr. Aditya Khemani and Mr. Amit Ganatra. This fund takes a bottom-up stock selection approach and spreads exposure across sectors to maintain balance. It works well as a core portfolio holding for mid-cap exposure.

With a 10-year CAGR of 18.47%, similar to HDFC Mid Cap Fund, a monthly SIP of ₹10,000 would have accumulated to around ₹34.64 lakh. It has demonstrated consistent long-term returns while managing risk through diversification and stock selection discipline.

AUM: ₹10,006.3 crore

Inception: April 19, 2007.

Conclusion

Investing in a mutual fund for a 10-year horizon is less about timing the market and more about staying in the right schemes through different cycles. The discussed funds have maintained their performance throughout market fluctuations because they possess solid investment portfolios and experienced fund management and defined investment strategies.

Long-term investors achieve their main benefit through time-based investment which enables them to accumulate wealth through compound interest. A set of mutual funds which matches your risk level and investment targets will help you build substantial wealth during a ten-year period despite inevitable short-term market fluctuations. You should review your investments through scheduled checks while maintaining your investment plan and resisting any hasty decisions that result from brief market fluctuations. Time functions as the strongest tool which long-term mutual fund investors should use for their investment success.