This Mutual Fund Scheme has Given 1.77 Crore in 20 Years With a Monthly SIP of Rs. 10,000
The participation of investors in the Systematic Investment Plans (SIPs) is decreasing as the market is facing volatility. The SIP stoppage ratio, which shows the percentage of discontinued or expired systematic investment plans (SIPs) compared to the number of new SIPs opened in a given month, reached 109% in January 2025. The data reflects the disclosure of 5.14 lakh SIPs in the month, exceeding the number of new registrations. The benchmark indices are going through ups and downs, experiencing notable losses and gains.
Should Investors continue to stay Invested in SIPs?
Experts have highlighted the significance of continuing SIPs for investors. Staying consistent is the key to growing your wealth exponentially through SIPs. Many examples have shown how regular monthly SIPs can grow into significant amounts over time. One of them is the Canara Robeco Emerging Equities Fund.
Canara Robeco Emerging Equities Fund, which is a large and mid-cap fund, has turned a monthly SIP of Rs. 10,000 into Rs. 1.77 crore over the period of 20 years with an XIRR of 17.46%. If you had invested a lump sum amount of Rs. 1 lakh, it would have grown into Rs. 22.49 lakh with a CAGR of Rs. 16.85%. Over the last 5 years, this investment would have grown to Rs. 11.87 lakh, with a CAGR of 17.92%.
The assets under management (AUM) of Canara Robeco Emerging Equities Fund were recorded at Rs. 23,339 crore as of December 31, 2025. The net asset value (NAV) as of March 7, 2025, stands at Rs. 256.96. It carries an expense ratio of Rs. 0.6%, which is in line with the average expense ratio for large & midcap funds in the industry.
Asset Asset Allocation and Market Capitalization Breakdown
The Canara Robeco Emerging Equities Fund allocated 98.30% in equity stocks and the rest, 1.70%, in other assets as of January 31, 2025. This was higher than the typical allocation in the large- and mid-cap categories. based on market capitalization allocation, the fund allocates 46.84% to large-cap stocks, 35.32% to mid-cap stocks, 16.15% to small-cap stocks, and 1.70% to other assets.
The fund primarily invests in sectors like financial services, automobiles, capital goods, and healthcare. The top five holdings of this fund include ICICI Bank Ltd., The Indian Hotels Company Ltd., Bharat Electronics Ltd., Trent Ltd., and UNO Minda Ltd.
Performance Overview of Canara Robeco Emerging Equities Fund
In the last three months, the fund has performed slightly lower as compared to the benchmark and the category average. The fund saw a decline of 13.99%, while the benchmark offered a negative return of 13.08%. The category average also suffered a loss of 14.08%. Additionally, the scheme has offered a return of 16.85% since its establishment, as per data.
Despite the bad performance, the fund has offered attractive returns as compared to its benchmark and category average based on offering returns for the last six months, one year, and ten years. In the past 10 years, the scheme has delivered a return of 14.08%, which exceeds the returns of the benchmark (NIFTY LargeMidcap 250 – TRI) at 13.70% and the category average return of 12.48%.
The Canara Robeco Emerging Equities Fund has delivered a rolling return of about 19.16% in the past 10 years, calculated using daily rolling returns. Over the last three and five years, the fund has offered returns of 19.16% and 15.37%, respectively, using the same method. In terms of its 10-year annual performance, the fund has generated an impressive return of 52.05% in 2017, outperforming many of its competitors.
