Turn ₹10,000 SIPs into ₹9 lakh in 5 years: Top 5 Aggressive Hybrid Funds

These funds typically invest 65-80 per cent of their assets in equities for long-term, inflation-beating returns, while the rest is invested in debt for stability.

Looking for a high-growth, moderate-risk investment strategy that's more stable than pure equity yet more rewarding than pure debt? Here's how a ₹10,000 monthly SIP in certain aggressive hybrid funds could potentially grow to over ₹9 lakh in just five years.

 

What are Aggressive Hybrid Funds?

 

Aggressive hybrid funds are mutual fund schemes that typically allocate 65% to 80% of assets in equities and the rest in debt instruments. Think of them as a smart mix of growth and stability, with built-in rebalancing that adjusts equity-debt exposure automatically. Long-term gains enjoy equity-like taxation, making these funds tax-efficient as well.

 

SIP Growth: ₹10,000 Monthly → Over ₹9 Lakh

 

According to Value Research, a ₹10,000 SIP invested consistently over five years in these aggressive hybrid funds could have grown to over ₹9 lakh.   

Returns are for direct plans. Source: Value Research

These results imply annualized returns north of 20%, highlighting the potency of disciplined investing in blended equity-debt funds. 

Value Research decodes each of these five best-performing aggressive hybrid funds.

 

#5 Mahindra Manulife Aggressive Hybrid Fund (Direct plan)

Five-year SIP returns: 18.36 per cent

Assets under management (AUM): Rs 1,811 crore

Expense ratio: 0.47 per cent

Value of a Rs 10,000 SIP after five years: Rs 9.53 lakh  Top 5 stock holdings 

Mahindra Manulife Aggressive Hybrid Fund (Direct plan) Source: Value Research

 

#4 Edelweiss Aggressive Hybrid Fund (Direct plan)

Five-year SIP returns: 18.45 per cent

Assets under management (AUM): Rs 2,994 crore

Expense ratio: 0.40 per cent

Value of a Rs 10,000 SIP after five years: Rs 9.56 lakh 

Source: Value Research

 

#3 Bank of India Mid & Small Cap Equity & Debt Fund (Direct plan)

Five-year SIP returns: 19.17 per cent

Assets under management (AUM): Rs 1,258 crore

Expense ratio: 0.86 per cent

Value of a Rs 10,000 SIP after five years: Rs 9.74 lakh 

Top 5 stock holdings

Bank of India Mid & Small Cap Equity & Debt Fund. Source Value Research

 

#2 JM Aggressive Hybrid Fund (Direct plan)

Five-year SIP returns: 19.96 per cent

Assets under management (AUM): Rs 841 crore

Expense ratio: 0.60 per cent

Value of a Rs 10,000 SIP after five years: Rs 9.74 lakh 

JM Aggressive Hybrid Fund (Direct plan)

  Top 5 stock holdings

 

#1 ICICI Prudential Equity and Debt Fund (Direct plan)

Five-year SIP returns: 20.76 per cent

Assets under management (AUM): Rs 44,605 crore

Expense ratio: 0.96 per cent

Value of a Rs 10,000 SIP after five years: Rs 10.11 lakh

 

Top five stock holdings 

ICICI Prudential Equity and Debt Fund (Direct plan)

 

Why Aggressive Hybrid Funds Appeal Now

 

Market Uncertainty Requires Balance

With volatility ahead, this mix helps smooth volatility without sacrificing growth.

 

Tax Advantage

Gains are treated as equity for taxation — just 10% over ₹1 lakh for long-term holders — making them tax-friendly.

 

Built-in Rebalancing & Stability

Debt exposure cushions drawdowns, as seen during recent market corrections, where aggressive hybrids dropped just ~8% compared to ~13% for flexi-cap funds.

 

Growing Popularity

Investors are responding—assets under management in aggressive hybrid funds jumped 12% year-on-year to ₹2.26 lakh crore by April 2025