Synopsis- The article evaluates SIP performance in top large cap mutual funds using the XIRR method, showing how consistent monthly investing can create substantial long-term value. It compares returns, fund size, expenses, and growth stability across five leading funds, offering insights for disciplined investors.
A monthly SIP of ₹5000 is considered and the time required for investments to be doubled with large cap mutual funds. Performance, AUM, expenses and returns of top 5 large cap funds are compared which provides investors a clearer picture of its consistency and the future potential of growth.
1. Nippon India Large Cap Fund Direct Growth
- 7-Year SIP XIRR: 20.66%
- AUM: ₹44,164 Crores as on 31-07-2025
- Expense Ratio: 0.64%
- NAV: ₹102.24 (as on 19-08-2025)
- Minimum Lump Sum: ₹100
- Minimum SIP: ₹100
- Invested Amount: ₹4,20,000 (5000x12x7)
- Current Value: ₹8,63,532
- Absolute Return: 105.60%
2. ICICI Pru Large Cap Fund Direct Growth
- 8-Year SIP XIRR: 17.99%
- AUM: ₹71,787 Crores as on 31-07-2025
- Expense Ratio: 0.86%
- NAV: ₹122.21 (as on 19-08-2025)
- Minimum Lump Sum: ₹100
- Minimum SIP: ₹100
- Invested Amount: ₹4,80,000 (5000x12x8)
- Current Value: ₹9,93,175
- Absolute Return: 106.91%
3. Canara Robeco Large Cap Fund Direct Growth
- 8-Year SIP XIRR: 17.29%
- AUM: ₹16,406 Crores as on 31-07-2025
- Expense Ratio: 0.47%
- NAV: ₹73.12 (as on 19-08-2025)
- Minimum Lump Sum: ₹100
- Minimum SIP: ₹100
- Invested Amount: ₹4,80,000 (5000x12x8)
- Current Value: ₹9,65,209
- Absolute Return: 101.09%
4. Invesco India Large Cap Fund Direct Growth
- 8-Year SIP XIRR: 17.22%
- AUM: ₹1,528 Crores as on 31-07-2025
- Expense Ratio: 0.71%
- NAV: ₹83.20 (as on 19-08-2025)
- Minimum Lump Sum: ₹1,000
- Minimum SIP: ₹100
- Invested Amount: ₹4,80,000 (5000x12x8)
- Current Value: ₹9,62,374
- Absolute Return: 100.49%
5. Baroda BNP Paribas Large Cap Fund Direct Growth
- 8-Year SIP XIRR: 16.82%
- AUM: ₹2,650 Crores as on 31-07-2025
- Expense Ratio: 0.76%
- NAV: ₹254.21 (as on 19-08-2025)
- Minimum Lump Sum: ₹5,000
- Minimum SIP: ₹250
- Invested Amount: ₹4,80,000 (5000x12x8)
- Current Value: ₹9,46,632
- Absolute Return: 97.21%
Also read: Pharma and Healthcare Funds That Delivered Over 20% Returns in 5 Years – Do You Hold Any?
Large Cap Mutual Funds SIP Performance Comparison
| Fund Name | SIP XIRR | Invested Amount (₹) | Current Value (₹) | Absolute Return (%) | Fund Size (Cr) | ER | Min SIP (₹) |
| Nippon India Large Cap Fund | 20.66% (7Y) | 4,20,000 | 8,63,532 | 105.60% | 44,164 | 0.64% | 100 |
| ICICI Pru Large Cap Fund | 17.99% (8Y) | 4,80,000 | 9,93,175 | 106.91% | 71,787 | 0.86% | 100 |
| Canara Robeco Large Cap Fund | 17.29% (8Y) | 4,80,000 | 9,65,209 | 101.09% | 16,406 | 0.47% | 100 |
| Invesco India Large Cap Fund | 17.22% (8Y) | 4,80,000 | 9,62,374 | 100.49% | 1,528 | 0.71% | 100 |
| Baroda BNP Paribas Large Cap Fund | 16.82% (8Y) | 4,80,000 | 9,46,632 | 97.21% | 2,650 | 0.76% | 250 |
Final Thoughts
A disciplined SIP method indicates that it usually takes between 7 to 8 years before investments will be doubled in large cap mutual funds. Though Nippon India Large Cap Fund has registered the maximum growth, others like ICICI Pru Large Cap Fund, Canara Robeco Large Cap Fund etc have also been able to generate good wealth over the years. Investors should keep in mind that historical performances are not an indication of future returns and market cycles may change the results. The choice of mutual funds must be aligned with an individual’s risk appetite, time horizon and financial goal. Remaining disciplined with SIPs, not being carried away by short-term market phenomena and periodical review of the portfolios remain key factors on long-term wealth creation.
Written by Prajwal Hegde
