Top Direct vs Regular Funds in 1 Decade: See how Rs 2 lakh turned into Rs 15 lakh in this best-performing fund
- Written by Shaghil Bilali
Top 5 Direct vs Top 5 Regular Mutual Funds in 10 Years: On January 1, 2013, Securities Exchange Board of India (Sebi) came up with the revolutionary idea of launching a direct scheme in mutual funds. Until then, the only way to invest in a mutual fund was regular, which had the involvement of an intermediary such as a broker, financial advisor, or financial services company. At present, both types of methods exist. A mutual fund investor is free to opt for either. Direct funds come with a low expense ratio (maintenance charges); hence, the capital gains earned in a fund will be higher compared to the gains earned in the regular scheme of the same fund. They also have a higher net asset value (NAV) compared to the regular scheme of the same fund. But regular funds have their own backers. Mutual fund beginner investors, those who have little knowledge about different funds or who lack time to track their mutual fund investments and who need continuous support or handholding from financial advisors or intermediaries, invest in regular funds. Here, we take you through the top 5 direct and top 5 regular mutual funds that have given the highest annualised return in 10 years. Also know how a Rs 1,99,999 one-time investment in each fund has performed in 1 decade.
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Top 5 direct funds in 10 years
1/15The top fund has given 22.43 per cent annualised return in the 10-year time frame. It has assets under management (AUM) of Rs 58,029 crore, while its net asset value (NAV) is Rs 184.2030. Benchmarked against NIFTY Smallcap 250 TRI, the fund has given 25.49 per cent annualised return since its launch in January 2013.
Nippon India Small Cap Fund - Direct Plan
2/15With an expense ratio of 0.68 per cent, the fund has Rs 100 as the minimum SIP investment and Rs 5,000 as the minimum lump sum investment. A Rs 1,99,999 one-time investment in the fund in 10 years has converted into Rs 15,13,234.8.
Quant ELSS Tax Saver Fund - Direct Plan
3/15The fund at No. 2 has given 20.96 per cent annualised return in 10 years. It has AUM of Rs 10,873 crore, while its NAV as on May 27, 2025, was Rs 397.6341. Benchmarked against NIFTY 500 TRI, the fund has given 20.57 per cent annualised return since its debut in January 2013.
Quant ELSS Tax Saver Fund - Direct Plan
4/15At an expense ratio of 0.52 per cent, the fund has Rs 500 as the minimum SIP and lump sum investment each. A Rs 1,99,999 one-time investment in the fund in the 10-year period has grown to Rs 13,41,051.96.
Quant Small Cap Fund - Direct Plan
5/15The flexi cap fund has given 20.35 per cent annualised SIP return in the 10-year period. It has an asset base of Rs 26,222 crore, while its unit price as on May 27, 2025, was Rs 272.2418. Benchmarked against NIFTY Smallcap 250 TRI, the fund has given 18.25 per cent annualised return since its inception in January 2013.
Quant Small Cap Fund - Direct Plan
6/15With an expense ratio of 0.68 per cent, the fund has Rs 1,000 as the minimum SIP investment and Rs 5,000 as the minimum lump sum investment. A Rs 1,99,999 one-time investment in the fund in the 10-year time frame has swelled to Rs 13,41,051.96.
Edelweiss Mid Cap Fund - Direct Plan
7/15The large and mid cap fund has given 19.14 per cent annualised SIP return in the 10-year time frame. It has AUM of Rs 9,242 crore, while its unit price as on May 27, 2025, was Rs 113.8570. Benchmarked against NIFTY Midcap 150 TRI, the fund has given 22.44 per cent annualised return since its beginning in January 2013.
Edelweiss Mid Cap Fund - Direct Plan
8/15At an expense ratio of 0.40 per cent, the fund has Rs 100 as the minimum SIP and lump sum investment each. A Rs 1,99,999 one-time investment in the fund in 10 years has sprung to Rs 11,52,401.41.
Invesco India Mid Cap Fund - Direct Plan
9/15The fund has given 18.94 per cent annualised SIP return in 10 years. It has an asset base of Rs 6,047 crore, while its unit price as on May 27, 2025, was Rs 200.7500. Benchmarked against BSE 150 MidCap TRI, the fund has given 21.62 per cent annualised return since its starting in January 2013.
Invesco India Mid Cap Fund - Direct Plan
10/15With an expense ratio of 0.65 per cent, the fund has Rs 500 as the minimum SIP investment and Rs 1,000 as the minimum lump sum investment. A Rs 1,99,999 one-time investment in the fund in the 10-year period has grown to Rs 11,33,201.57.
Top 5 regular funds in 10 years
11/15The fund has given 21.27 per cent annualised SIP return in the 10-year period. It has a fund size of Rs 10,873 crore, while its NAV as on May 27, 2025, was Rs 164.5677. Benchmarked against NIFTY Smallcap 250 TRI, the fund has given 20.98 per cent annualised return since its launch in September 2010. At an expense ratio of 1.44 per cent, the fund has Rs 100 as the minimum SIP investment and Rs 5,000 as the minimum lump sum investment each. A Rs 1,99,999 one-time investment in the fund in the 10-year time frame has converted into Rs 13,75,819.94.
Quant ELSS Tax Saver Fund
12/15The fund has given 19.71 per cent annualised return in the 10-year time frame. It has assets under management (AUM) of Rs 10,873 crore, while its net asset value (NAV) is Rs 356.0024. Benchmarked against NIFTY 500 TRI, the fund has given 15.25 per cent annualised return since its launch in April 2000. With an expense ratio of 1.65 per cent, the fund has Rs 500 as the minimum SIP and lump sum investment each. A Rs 1,99,999 one-time investment in the fund in 10 years has converted into Rs 12,08,737.88.
Quant Small Cap Fund
13/15The large cap fund has given 19.47 per cent annualised SIP return in the 10-year time frame. Its AUM is Rs 26,222 crore, while its unit price as on May 27, 2025, was Rs 250.9151. Benchmarked against NIFTY Smallcap 250 TRI, the fund has given 12.88 per cent annualised return since its inception in November 1996. With an expense ratio of 1.60 per cent, the fund has Rs 1,000 as the minimum SIP investment and Rs 5,000 as the minimum lump sum investment. A Rs 1,99,999 one-time investment in the fund in the 10-year period has grown to Rs 11,84,722.02.
HDFC Small Cap Fund - Regular Plan
14/15Edelweiss Mid Cap Fund - Regular Plan
15/15The flexi cap fund has given 17.68 per cent annualised SIP return in the 10-year period. It has an asset base of Rs 9,242 crore, while its unit price as on May 27, 2025, was Rs 97.7060. Benchmarked against NIFTY Midcap 150 TRI, the fund has given 13.97 per cent annualised return since its inception in December 2007. With an expense ratio of 1.70 per cent, the fund has Rs 100 as the minimum SIP and lump sum investment each. A Rs 1,99,999 one-time investment in the fund in the 10-year time frame has swelled to Rs 10,18,719.04.
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