Best & Worst SIP Mutual Funds: ₹12K to ₹14,648 in a Year

Discover the best and worst SIP mutual funds of the year, with returns ranging from ₹12,000 to ₹14,648. Check out the top performers
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Suppose that from delving into the worlds of SIP mutual funds and other investment avenues yields high Returns Of Investments, you have decided to put in an initial investment of Rs 12,000 utilizing a Systematic Investment Plan (SIP) from February 1, 2024, till January 1, 2025. Throughout that span of time, Rs 1,000 will be invested on the first of every month, with the expectation that by the January 31, 2025, you will see returns that will be the fruits of your labor. 

With the market increasingly fluctuating year in and year out, you continuously bear witness to the benefits from the monthly investment strategy, known to many as the “Rupee Cost Averaging,” that allows you to generate units through different prices. Nevertheless, at the end of the entire investment process what ultimately matters is the performance of the selected units in the mutual fund.

The Most Profitable Funds For Your SIP Investment

The SIP investment performance shows exceptional results by the end of the investment period. From February 1, 2024, to January 1, 2025, monthly investments were made on the first day of every month, culminating in a total investment of ₹ 12,000. The balances were are evaluated as of January 31, 2025.The Motilal Oswal Midcap Fund-Reg(G) earned an XIRR 51.99%, meaning the value of the investment now is 14648.72, which drastically exceeds the original amount. 

Next is the Motilal Oswal Small Cap Fund-Reg(G) which boasts an impressive return of 49.40%. This Mateial fund has also captured the promise of small cap funds which as we know carry higher than average risk but also have the possibility of higher returns. Other funds which were able to achieve strong returns include The Motilal Oswal Large & Midcap Fund-Reg(G) which capitalized on  both large-cap and mid-cap stocks to gain 43.58%, resulting in the fund earning 14244.51.

Ultimately these high growth funds which performed greatly for the market enabled investors to take advantage and SIP investments increased by more than halved to the value of 14,648.72. The boost was mainly aided thanks to Mateial Osmal Midcap Fund-REG G.

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