Top Flexi Cap Mutual Funds Based on 5-Year SIP Performance
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A simple Rs 1,000 monthly SIP could have grown into nearly Rs 89,000 in some of India's best-performing flexi cap funds over the past five years.
✨ Key Takeaways
India's Mutual Fund industry has witnessed remarkable growth over the past decade, driven by rising financial awareness, increasing participation from retail investors and the growing popularity of systematic investment plans (SIPs). As more households move beyond traditional savings avenues such as fixed deposits and gold, mutual funds have emerged as a preferred route for long-term wealth creation.
Five-Year AUM Growth
The industry's assets under management (AUM) have expanded significantly in recent years, reflecting strong investor confidence despite periods of market volatility. The mutual fund industry's AUM has grown from Rs 33.06 trillion as on May 31, 2021, to Rs 81.58 trillion as on May 31, 2026, representing nearly a three-fold increase in just five years.
Total Folios: 27.66 crore
The total number of accounts, or folios in mutual fund terminology, stood at 27.66 crore (276.6 million) as on May 31, 2026. Meanwhile, the number of folios under equity, hybrid and solution-oriented schemes, where retail investors account for the majority of investments, reached about 21.10 crore (211.0 million).
SIP inflows continue to scale new highs, indicating that investors are increasingly embracing disciplined investing rather than attempting to time the market.
Among the various categories, flexi cap funds have emerged as a popular choice for long-term investors. These schemes give fund managers the flexibility to invest across Large-Cap, Mid-Cap and Small-Cap stocks based on market opportunities. This dynamic allocation strategy helps investors benefit from changing market conditions while maintaining diversification within a single portfolio.
A comparison of leading flexi cap funds highlights how disciplined investing through a SIP can create wealth over the long term. Assuming a monthly SIP of Rs 1,000, an investor would have contributed a total of Rs 60,000 over the past five years.
Top Performing Flexi Cap Funds In 2026: A Five-Year SIP Comparison
|
Scheme Name |
AMC |
AUM (Rs crore) |
Expense Ratio (%) |
Amount Invested (Rs) |
Current Value (Rs) |
Annualised Return (%) |
|
Bank of India Flexi Cap Fund Regular Growth |
BOI Mutual Fund |
2,460.84 |
2.01 |
60,000 |
88,515 |
16.02 |
|
HDFC Flexi Cap Fund Growth |
HDFC Mutual Fund |
101,793.75 |
1.27 |
60,000 |
86,931 |
15.26 |
|
Quant Flexi Cap Fund Regular Growth |
Quant Mutual Fund |
7,027.80 |
1.82 |
60,000 |
86,704 |
15.15 |
|
ICICI Prudential Flexi Cap Fund Growth |
ICICI Prudential Mutual Fund |
21,180.06 |
1.63 |
60,000 |
84,094 |
13.92 |
|
HSBC Flexi Cap Fund Growth |
HSBC Mutual Fund |
5,538.61 |
1.86 |
60,000 |
83,696 |
13.68 |
Disclaimer: The article is for informational purposes only and not investment advice.