There's a question that comes up in every WhatsApp group where someone's just started investing: "If I SIP ₹10,000 a month, where will I be in five years?" Here's that answer, computed on Quant Flexi Cap Fund - Direct Plan - Growth Option's real history.
The scenario, numbered
- Monthly SIP: ₹10,000
- Duration: 5 years (60 installments)
- Assumed return: 21.4% per year — that's Quant Flexi Cap Fund - Direct Plan - Growth Option's MEDIAN return across every rolling 5-year window in its NAV history (2,135 windows in total), not a cherry-picked peak-to-peak number.
Where you'd land
At the end of 5 years, the SIP would have grown to approximately ₹10.78 L. You'd have put in ₹6.00 L across 60 monthly transfers, and the remaining ₹4.78 L is pure compounding on the fund's historical median.
A few numbers that make this concrete:
- Even in the worst 10% of the fund's 5-year windows, the CAGR was 9.1%.
- In the best 10%, it was 32.9%.
- Overall, 100% of 5-year windows ended positive, and 97% beat a 7% FD.
- Quant Flexi Cap Fund - Direct Plan - Growth Option sits in the top 0% of same-category peers for median rolling CAGR.
What this doesn't say
One number can mislead if you don't know what it's measuring. A median CAGR is not what you're guaranteed to get — it's what half the historical holding periods beat. If you're unlucky with timing, you get something closer to that p10 number. If you're lucky, p90. Real investors sit somewhere in that spread.
Equity returns are also lumpy. The 21.4% number is an annualised average; the fund doesn't deliver that every year. In some calendar years it'll jump 30%+; in others it'll fall 20%+. The 5-year horizon is what smooths those out.
For the full distribution — every rolling window, the percentile bars, the peer comparison — see the .