Mid-Cap SIPs: Potential 18%+ Returns Over a Decade
By ThePip Desk
Discover how mid-cap mutual funds have delivered over 18% annualized SIP returns in the past decade, showcasing strong long-term wealth creation potential. Explore top performers.
Thinking about long-term investments like Systematic Investment Plans (SIPs) in mid-cap mutual funds? You’ll be interested to know that 12 such schemes have delivered over 18% annualised returns over the past decade, according to Value Research data as of July 27, 2026.
Top Performers Over a Decade
These impressive returns highlight how mid-cap funds can help you build wealth over time. Take a look at the top five funds based on their 10-year SIP returns:
- Invesco India Mid Cap Fund: 21.74%
- Edelweiss Mid Cap Fund: 21.22%
- Nippon India Growth Mid Cap Fund: 20.66%
- Quant Mid Cap Fund: 20.24%
- Motilal Oswal Midcap Fund: 20.09%
Several other funds also crossed the 18% mark, showing broad strength in the category, including Kotak Midcap Fund (19.80%) and HDFC Mid Cap Fund (19.78%).
Why Long-Term Consistency Matters
When you’re picking funds, it’s easy to get swayed by recent performance. However, the data strongly suggests looking at a fund’s track record over many years, not just the last few.
For example, Invesco India Mid Cap Fund stood out as the only scheme consistently ranking high across three, five, and ten-year SIP return horizons. This consistency is a big deal for your long-term financial goals.
It’s important to remember that mid-cap investing can be cyclical. This means some funds that are great long-term wealth creators might show weaker returns over shorter periods, like the last three years.
Quant Mid Cap Fund and Motilal Oswal Midcap Fund, despite being top 10-year performers, experienced this kind of short-term dip.
Understanding the Range of Returns
The past decade saw a wide range of returns within mid-cap funds. While some delivered over 20%, others ranged from 14.55% to 19.80% over the same ten-year period.
Funds that showed comparatively lower returns over the decade include Franklin India Mid Cap Fund, Aditya Birla Sun Life Mid Cap Fund, UTI Mid Cap Fund, DSP Midcap Fund, and Taurus Mid Cap Fund.
So, as a SIP investor, always assess a fund’s performance across multiple market cycles to get a balanced view of its long-term consistency, rather than just chasing the latest buzz.