Mid Cap SIP Calculator
Calculate SIP returns for mid cap mutual funds - companies ranked 101-250 by market cap.
Estimated Corpus
₹61.29 L
at 14% for 15yr
Total Invested
₹18.00 L
at 14% for 15yr
Wealth Gained
₹43.29 L
at 14% for 15yr
Adjust to your actual SIP amount and timeline
Future Value
₹61.29 L
In today's money: ₹25.57 L(6% inflation)
Total Invested
₹18 L
Wealth Gained
₹43.29 L
Investment Growth Over Time
What SIP do I need to reach a goal?
About Mid Cap SIP Calculator
Mid cap funds invest at least 65% of assets in companies ranked 101-250 by market capitalization - typically established companies that are growing faster than large caps but have more risk. Mid cap funds have historically outperformed large caps over long periods but with higher volatility - they can fall more steeply in corrections and rally more sharply in bull markets. The classic investing wisdom is to use mid cap funds for 20-30% of your equity SIP portfolio alongside large cap or index funds, extending your time horizon to at least 10 years for best results.
₹10,000/month Mid Cap SIP over time
| Duration | Invested | Corpus at 14% |
|---|---|---|
| 5 years | ₹6.00 L | ₹8.72 L |
| 10 years | ₹12.00 L | ₹26.21 L |
| 15 years (default) | ₹18.00 L | ₹61.29 L |
| 20 years | ₹24.00 L | ₹1.32 Cr |
| 25 years | ₹30.00 L | ₹2.73 Cr |
Projected at 14% — a typical long-run assumption for this category. Actual returns vary year to year; use the calculator above to model your own SIP amount, rate, and horizon.
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Frequently Asked Questions
What is a mid cap fund?▾
Mid cap funds invest at least 65% of assets in companies ranked 101-250 by market cap. These are mid-sized companies that are growing rapidly - think companies like Trent, Voltas, Mphasis, or Crompton. They offer higher growth potential than large caps but with more volatility.
What returns can mid cap SIPs deliver?▾
Mid cap funds have historically delivered 13-17% CAGR over 10+ year periods in India, outperforming large caps significantly. However, they are more volatile - they can fall 50-60% in severe corrections (2008, 2020) and take longer to recover. The higher return is compensation for this additional risk.
What percentage of my SIP should go to mid cap?▾
A common allocation: 50% large cap / index fund + 30% mid cap + 20% flexi cap or small cap. This balances growth potential with stability. Aggressive investors may go 40% mid cap, but only if they have a 10+ year horizon and can tolerate significant temporary losses.
When should I not invest in mid cap funds?▾
Avoid mid cap funds if you need the money within 5 years, have low risk tolerance, or are investing your emergency fund. Mid cap corrections can be severe and recovery can take 2-4 years. They are not suitable as your only equity investment.
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