Seven Aggressive Hybrid Funds Cross 12% Five-Year SIP Return Mark

Key Takeaways:

• Seven aggressive hybrid funds generated annualised five-year SIP returns of more than 12%, according to an analysis of the category. 
• Bank of India Aggressive Hybrid Fund led the set, while performance across aggressive hybrid schemes varied significantly. 
• The category combines substantial equity exposure with a debt allocation, so individual fund returns can differ according to both equity selection and asset mix. 

Performance within aggressive hybrid mutual funds has diverged considerably over the past five years, with seven schemes crossing the 12% annualised return mark on systematic investments, according to an analysis reported by Mint. 

The study covered 29 aggressive hybrid schemes and found a broad gap between the higher- and lower-returning funds. 

Bank of India Aggressive Hybrid Fund emerged among the stronger performers in the period. 

Current fund data shows the scheme's regular growth plan with a five-year annualised lump-sum return of 13.35%, while its three-year return stood at 16.08% as of the latest available data. 

Returns vary considerably elsewhere in the category. 

For example, the direct plan of ICICI Prudential Aggressive Hybrid Fund showed a five-year annualised return of 14.21%, while Sundaram Aggressive Hybrid Fund Direct Plan showed 8.11%. Franklin India Aggressive Hybrid Fund's regular growth plan stood at 7.97% over five years. 

These numbers are lump-sum CAGR figures and are different from SIP returns, but they illustrate the broader performance dispersion between schemes within the same regulatory category. 

Aggressive hybrid funds usually hold 65-80% of their portfolios in equities and equity-related instruments, with the remaining portion largely invested in debt and money-market assets. 

That combination gives them exposure to stock-market movements while retaining a fixed-income component. 

The category has also continued to attract investor money. 

Balanced and aggressive hybrid funds received net inflows of ₹19,554 crore between August 2025 and August 2026, according to industry data cited by Mint. 

The performance gap between schemes is a reminder that a category label does not produce uniform results. 

Stock selection, debt positioning, portfolio concentration, changes in equity allocation and the timing of market cycles can all lead two aggressive hybrid funds to deliver substantially different outcomes over the same period.