Large Cap SIP Calculator

Large cap funds invest at least 80% of assets in the top 100 companies by market capitalization. These are India's most established companies - Reliance, TCS, HDFC Bank, Infosys, ITC. They offer lower volatility than mid/small cap funds while participating in India's economic growth.

Historically, large cap funds have delivered 11-13% CAGR over 10+ year periods in India. Short-term returns (1-3 years) vary significantly - they can be negative in bear markets. The 12% assumption used in this calculator is a reasonable long-term estimate, not a guarantee.

Index funds tracking Nifty 50 or Sensex are technically large cap funds with zero fund manager discretion. Data shows most active large cap funds fail to beat their benchmark index over 10+ years after costs. Low-cost index funds (expense ratio 0.1-0.2%) often outperform actively managed large cap funds (expense ratio 1-1.5%).

Consistently well-performing large cap funds include HDFC Top 100, Mirae Asset Large Cap, Nippon India Large Cap, and Canara Robeco Bluechip. Past performance does not guarantee future returns - always check recent 3-5 year rolling returns before investing.

No equity investment is 'safe' in the short term - large cap funds can fall 30-50% in a market crash (as in 2008 and 2020). Over 10+ year periods, the probability of positive returns is very high. Use large cap SIP only for money you will not need for at least 7-10 years.