Investing in mutual funds through Systematic Investment Plans (SIPs) helps people grow their money over time in a disciplined way. SIPs make it easy for anyone to invest small amounts regularly instead of putting a big lump sum. In India, large-cap mutual funds remain one of the most trusted SIP options because they invest in strong, stable companies. These funds deliver steady long-term returns with moderate risk.
Let’s look at the 20 best-performing large-cap SIPs available for Indian investors in 2025. The data below compares their one-year, three-year, five-year, and ten-year returns, along with their assets under management (AUM) and CRISIL ratings.
1. Invesco India Largecap Fund – Direct Plan – Growth
Invesco India Largecap Fund has given 8.25% return in one year and a massive 139.08% return in ten years. It has an AUM of ₹1,606 crore and a 4-star CRISIL rating. The fund invests in top-performing large companies and focuses on steady long-term growth. It suits investors looking for consistent returns without too much volatility.
2. Bandhan Large Cap Fund – Direct Plan – Growth
Bandhan Large Cap Fund has delivered 7.96% in one year and 129.47% in ten years. The fund has an AUM of ₹1,916 crore and also holds a 4-star rating. It invests mainly in established companies across various sectors. Its stable performance makes it a solid choice for SIP investors.
3. Motilal Oswal Large Cap Fund – Direct Plan – Growth
Motilal Oswal’s fund has a one-year return of 7.89% and an AUM of ₹2,779 crore. Although it doesn’t yet have a CRISIL rating, it has shown good consistency. It focuses on a concentrated portfolio of high-quality large companies and suits investors looking for long-term capital appreciation.
4. WhiteOak Capital Large Cap Fund – Direct Plan – Growth
WhiteOak Capital’s fund has delivered 7.83% in one year and 16.52% in two years. It manages ₹1,046 crore in AUM. The fund focuses on strong businesses with high growth potential and efficient management. It has quickly gained investor trust despite being a relatively new entrant.
5. Nippon India Large Cap Fund – Direct Plan – Growth
With a massive AUM of ₹46,463 crore and a 5-star rating, this is one of the most popular large-cap funds. It offers 7.62% one-year and 156.37% ten-year returns. The fund invests in India’s leading companies and delivers reliable growth, making it ideal for long-term SIP investors.
6. Groww Large Cap Fund – Direct Plan – Growth
Groww Large Cap Fund, with an AUM of ₹127 crore, has given 7.31% one-year and 107.92% ten-year returns. It has a 3-star rating. It invests across top-performing sectors, ensuring diversification and steady performance. It’s a great option for beginners starting their SIP journey.
7. PGIM India Large Cap Fund – Direct Plan – Growth
PGIM India Large Cap Fund offers 7.28% one-year and 102.63% ten-year returns. It has a 3-star rating and ₹592 crore in AUM. The fund focuses on risk management and picks stocks with sustainable earnings growth. Investors who prefer moderate risk with consistent returns can choose this fund.
8. Kotak Large Cap Fund – Direct Plan – Growth
Kotak’s large-cap fund has delivered 6.87% in one year and 130.91% in ten years. It holds ₹10,426 crore in AUM and a 4-star rating. The fund invests in stable companies with strong fundamentals and proven performance. It suits investors with long-term financial goals like retirement or wealth creation.
9. Mirae Asset Large Cap Fund – Direct Plan – Growth
This fund is one of the most respected in the large-cap space, with ₹39,615 crore in AUM. It gives 6.77% in one year and 118.56% in ten years. With a 2-star CRISIL rating, it still remains a favorite for long-term SIP investors because of its disciplined investment approach.
10. ICICI Prudential Large Cap Fund – Direct Plan – Growth
ICICI Prudential Large Cap Fund manages ₹73,034 crore and carries a 5-star CRISIL rating. It has earned 6.75% in one year and 143.35% in ten years. It focuses on top Indian companies and balances growth with stability. SIP investors can rely on it for wealth creation with reduced volatility.
11. Tata Large Cap Fund – Direct Plan – Growth
Tata’s fund delivers 6.61% in one year and 120.05% in ten years, with an AUM of ₹2,683 crore and a 3-star rating. It invests in companies with proven track records and sustainable growth. The fund provides consistent performance, making it a safe option for steady investors.
12. Bajaj Finserv Large Cap Fund – Direct Plan – Growth
With a 6.47% one-year return and ₹1,603 crore in AUM, Bajaj Finserv’s fund is new but promising. It has already attracted attention for its disciplined investment strategy and quality stock selection. It’s a good choice for investors looking to diversify across established companies.
13. Canara Robeco Large Cap Fund – Direct Plan – Growth
This fund gives 6.40% one-year and 141.58% ten-year returns with a 4-star rating. It has an AUM of ₹16,514 crore. Canara Robeco’s fund focuses on strong balance sheets and long-term wealth creation. It’s ideal for SIP investors who value stability and performance.
14. Aditya Birla Sun Life Large Cap Fund – Direct Plan – Growth
This fund provides 6.29% one-year and 119.13% ten-year returns. With ₹30,000 crore AUM and a 3-star rating, it invests across key large-cap stocks and offers balanced exposure. It’s a great pick for investors who prefer a steady growth trajectory.
15. Bank of India Large Cap Fund – Direct Plan – Growth
With an AUM of ₹202 crore and a 1-star rating, this fund offers 6.29% one-year returns. It has shown gradual improvement and is suitable for small SIP investors who wish to take limited exposure to large-cap companies.
16. Union Largecap Fund – Direct Plan – Growth
Union Largecap Fund delivers 6.26% in one year and 40.14% in five years. It manages ₹461 crore in AUM and has a 2-star rating. The fund follows a selective approach and invests in companies with strong corporate governance. It’s suitable for long-term disciplined investors.
17. Quant Large Cap Fund – Direct Plan – Growth
Quant Large Cap Fund gives 6.12% in one year and has ₹2,700 crore in AUM. The fund uses data-driven strategies and invests dynamically based on market trends. It suits investors who want active management and quick adaptation to market changes.
18. SBI Large Cap Fund – Direct Plan – Growth
SBI’s large-cap fund delivers 6.06% in one year and 117.09% in ten years. It has ₹52,829 crore in AUM and a 3-star rating. It focuses on blue-chip companies and provides stable returns. This fund is a favorite among SIP investors who prefer strong brands and long-term safety.
19. Axis Large Cap Fund – Direct Plan – Growth
Axis Large Cap Fund has 5.98% one-year and 108.97% ten-year returns. It manages ₹32,956 crore in AUM with a 2-star CRISIL rating. The fund invests in companies with strong management and growth potential. It’s ideal for investors who want steady compounding over time.
20. Quant Large Cap Fund – Direct Plan – Growth
(Repeated from above, still a strong performer worth noting for diversification.) Quant Fund’s tech-driven investment strategy makes it one of the most modern approaches in the market.
Final Thoughts
These 20 SIP options stand out for their consistent returns, strong management, and long-term performance. Investors should choose funds based on their goals, risk appetite, and investment horizon.
For short-term goals (3–5 years), funds like WhiteOak Capital, Groww, and Kotak are suitable. For long-term wealth creation, funds like Nippon India, ICICI Prudential, Canara Robeco, and Invesco India are ideal.
With expert insights and portfolio tracking tools offered by Perfect Finserv, investors can make smarter, data-backed decisions. Regular SIP investments in these funds can help Indian investors grow their wealth steadily and achieve financial freedom over time.
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