Historical Return Ranges
Equity mutual funds (large cap): 10-14% annualized over 10+ years. Mid/small cap: 12-18% but with higher volatility. Debt funds: 6-9%. Hybrid funds: 8-12%. These are historical averages, not guaranteed returns. Past performance does not guarantee future results.
Impact of Time Horizon
SIP returns become more predictable over longer periods. Over 1-3 years, equity SIP returns can range from -20% to +40%. Over 5-7 years, the range narrows to 5-15%. Over 10+ years, large cap equity SIPs have historically delivered 10-14% regardless of when you started. Time smooths out market volatility.
Try the SIP Calculator
Calculate your systematic investment plan returns with our free SIP calculator.