SBI Mutual Fund is India’s largest asset management company that currently manages assets under management (AUM) of more than Rs 11 lakh crore spread across more than 125 mutual fund schemes.
Over the years, scores of schemes of SBI Mutual Fund have become the key to wealth building for investors. In this write-up, we will take a look at the five best SBI Mutual Fund equity schemes based on their 10-year SIP returns. The top-performing fund of the fund house – SBI Technology Opportunities Fund – has generated over 21% annualised return on SIP investments during the period. With this rate of return, Rs 10,000 monthly SIP started 10 years back would be valued at Rs 36 lakh in May 2025. The return on lump sum investment in this SBI Technology Opportunities Fund is 18% (as of May 15, 2025). Before we march further and analyse other four top-performing SIP schemes of SBI Mutual Fund house based on their 10-year performance, let us briefly discuss the SIP and lump sum modes of investment.
SIP vs Lumpsum: Which is better for the common man?
This debate is quite old about which is better for small investors – lump sum investment or SIP. Both lump sum and SIP investments come with unique advantages. But if we speak in favour of SIP then it can be said that lump sum investment requires a large amount at once and the risk of investing at the wrong time is high, in SIP you invest gradually. Through SIP investments, one can turn the ups and downs of the market in their favour.
Also read: Best Motilal Oswal Mutual Funds: Top 3 schemes deliver up to 29% returns in 1 year
SIP method of investing allows everyone from small investors, working people to even students to get into the habit of investing. One can start an SIP with an amount as low as Rs 250. This ‘small beginning, big benefit’ feature of SIP attracts small investors.
The biggest feature of SIP is that it makes investing easy and stress-free. You do not have to understand the timing of the stock market. When the market goes down, you get more units and when the market goes up, the value of the same unit increases – this is called ‘Rupee Cost Averaging’.
Now, we will take a look at 5 best SBI Mutual Funds with highest returns in 10 years on SIP investments.
1. SBI Technology Opportunities Fund
10-year SIP return: 20.91% (annualised)
Launched in January 2013, the sectoral/thematic fund has been a consistent performer over the last 10 years. The fund has turned Rs 10,000 monthly SIP into a whopping Rs 36.14 lakh in 10 years.
The fund has generated on lump sum investments an annualised return of 18.06%. It has an AUM of Rs 4,225 crore (as on April 30, 2025).
2. SBI Contra Fund
10-year SIP return: 20.73% (annualised)
Incepted in January 2013, the fund has delivered stellar returns over the past 10 years, turning Rs 10,000 monthly SIP into Rs 35.75 lakh in 10 years.
The fund has given an annualised return of 16.78% on lump sum investment. It sits on an AUM of Rs 44,069 crore (as on April 30, 2025).
3. SBI Small Cap Fund
10-year SIP return: 20.48% (annualised)
Started in January 2013, the small-cap fund has generated wonderful returns for investors over 3 years, 5 years and 10 years. Rs 10,000 invested in the fund 10 years ago would be worth now Rs 35.35 lakh in 10 years.
The fund’s annualised return is 19.93% on a lump sum investment in the last 10 years. It commands an AUM of Rs 31,790 crore (as on April 30, 2025).
Also read: 5 best performing SIP portfolios in the last 10 years
4. SBI Infrastructure Fund
10-year SIP return: 19.94% (annualised)
The sectoral fund, launched in January 2013, has turned Rs 10,000 monthly SIP into Rs 34.24 lakh in 10 years.
SBI Infrastructure Fund has generated on lump sum investments an annualised return of 16.40%. The fund’s AUM stood at Rs 4,872 crore (as on April 30, 2025).
5. SBI PSU Fund
10-year SIP return: 19.23% (annualised)
Incepted in January 2013, the thematic fund has delivered stellar returns over the past 10 years, turning Rs 10,000 monthly SIP into Rs 33 lakh in 10 years.
The fund has given an annualised return of 13.72% on lump sum investment. It has an AUM of Rs 5,035 crore (as on April 30, 2025).
(Data source: Value Research)
Disclaimer: The above content is for informational purposes only. Mutual Fund investments are subject to market risks. Please consult your financial advisor before investing.