Mutual fund SIPs do wonder to one’s long-term wealth. Study of past performance (source mutual fund facts sheets of various fund houses for the month of April-2026) for large cap mutual fund schemes-regular plan-growth option launched more than 20 years back reveals that most of the schemes have delivered a CAGR return in the range of 12-16% (Past performance may or may not be repeated in future).

Mutual fund investments are subject to market risk, read all the scheme related documents carefully.

Based on the above study and taking 12% conservative CAGR return in the long term, we found that a disciplined investment of just Rs. 10,000/- a month through SIP route in such schemes could have created a wealth of about a Crore in 20 years’ time.

This is about the large cap funds which are considered least risky among the equity category of mutual fund schemes. Similar study of small cap, mid cap and thematic/sectorial funds which are considered high risk funds reveal higher returns compared to large cap category resulting in creation of higher wealth in the long term.