Large cap funds · 5 year performance
We studied every large cap fund in India.
Here's how they did against the index.
Each circle is a fund. The waterline is the Nifty 100 Index return over 5 years. Funds above it are floating — they beat it. Funds below are sinking — they didn't. Hover over any circle to see which fund it is.
2
above the waterline
24
sinking below it
15.0%
Nifty 100 Index return
0.10%
index fund fee
2 out of 26 funds stayed above water over 5 years. The remaining 24 sank — while charging 5x to 17x more in fees than the index.
About these returns
These numbers are already after deducting fees. Every fund charges between 0.50% and 1.73% annually — that's already been taken out. The index fund charges 0.10%. So these funds took 5x to 17x more in fees, and still couldn't match it. If you added the fees back, most still wouldn't reach the waterline — they didn't even earn their own fee.
What this means in real money
On ₹10 lakh invested over 5 years, the average large cap fund grew it to roughly ₹18.7 lakh. The Nifty 100 index fund grew it to ₹20.1 lakh. That's about ₹1.4 lakh left on the table — and you paid higher fees for the privilege of earning less.
Every large cap fund, side by side.
Sorted by 5-year return. The index sits at the top as the reference. The numbers tell the story.
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Returns as of Jan 2026 · Source: AMFI, fund factsheets · All returns are CAGR, direct plan, growth option
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