When you finally decide to move your money out of a standard savings account and into the stock market, you are doing it for one specific reason: growth. You understand that inflation is quietly eating away at your bank balance, and you are ready to let compounding interest do the heavy lifting. But the moment you look at the mutual fund options available in Nepal, the choices become overwhelming. Naturally, the absolute first question every smart investor asks is, which SIP gives highest return?
Instead of relying on random financial advice or guesswork, let’s look at the actual data. In Nepal, Systematic Investment Plans are run exclusively through open-ended mutual funds. By comparing their historical dividend payouts and long-term strategies, we can see exactly who is performing the best and where you should park your money.
Comparing Nepal’s Open-Ended Mutual Funds
To accurately answer which sip gives highest return, we have to look at the recent track records of the active schemes in the market. Here is a head-to-head comparison of their latest dividend payouts up to the fiscal year 2081/82:
Long-Term Strategy & Dividend Payouts (SIP Mutual Funds)
| Mutual Fund Scheme | Capital Manager | Latest Dividend Payouts | Long-Term Strategy & Market Focus |
|---|---|---|---|
| Siddhartha SIP (SSIS) | Siddhartha Capital | 8% Cash | Top Pick for Capital Appreciation Siddhartha Systematic Investment Scheme focuses heavily on reinvesting profits to grow the actual NAV (Net Asset Value) over time, rather than just handing out quick cash dividends. Over 10+ years, this compounding effect is massive. |
| Shubha Laxmi Kosh | Laxmi Sunrise Capital | 16% Cash | Steady Wealth Accumulation A fantastic, well-balanced open-ended fund that aims to build wealth consistently. It is a great choice if you want long-term market exposure but prefer a slightly more conservative management style. |
| NI 31 | Nabil Invest | New Scheme | The New Contender A newer open-ended scheme managed by the powerhouse Nabil Invest. It is designed specifically to capture broad market growth over a long timeline, making it a great set-and-forget option. |
| Nabil Flexi Cap Fund | Nabil Invest | 9% Cash | Aggressive Growth A top-tier choice for a 10+ year horizon. The fund managers dynamically shift money between large and small companies depending on market trends to maximize returns. |
| NIBL Sahabhagita Fund | NIMB Ace Capital | 7% Cash | Proven Reliability As Nepal’s first open-ended fund, it has survived both massive bull runs and harsh bear markets. It is heavily tested and highly trusted for long-term consistency. |
| Kumari Sunaulo Lagani Yojana | Kumari Capital | Growth Focus | Balanced Equity A reliable fund that balances aggressive stock picks with safer assets to ensure steady growth over the years. |
| NMB Saral Bachat Fund – E | NMB Capital | 4.27% Cash | Moderate Risk A great mix of dividend-yielding stocks and safe fixed-income assets. Ideal if you want long-term growth but still prefer a safety net. |
| NIC ASIA Dynamic Debt Fund | NIC ASIA Capital | 5.55% Cash | Capital Protection (Not for Long Term) Invests in fixed deposits and bonds. Great if you need your money in 2 years, but the returns are too low for a 10-year wealth-building strategy. |
So, Which SIP Gives Highest Return?
Looking purely at the numbers, the answer depends on how you measure a “return.”
1. The Immediate Cash Dividend Winner: If you measure returns by the cash deposited into your account at the end of the fiscal year, Shubha Laxmi Kosh recently stole the spotlight with a massive 16% dividend payout in FY 81/82. Historically, the NIBL Sahabhagita Fund still holds the record with its jaw-dropping 50% payout a few years ago.
2. The Long-Term Wealth Winner (Capital Appreciation):
If you don’t need cash right now and want your overall portfolio value to explode over the next ten years, looking only at dividends is a mistake. Funds like Siddhartha SIP (SSIS) and the newly launched NI 31 are designed to reinvest their profits. You won’t get a 16% cash drop every year, but the actual value of your mutual fund units (the NAV) grows much faster. Over a decade, this strategy often creates the largest overall wealth.
The Hidden Risk of Chasing Returns
When figuring out which sip gives highest return, it is crucial to remember the golden rule of investing: high returns always come with high risk.
The funds that pay out 16% or 50% dividends are Equity Funds. They invest heavily in the stock market (NEPSE). When the market booms, you win big. But if the market crashes, the value of your portfolio will temporarily drop. If you panic and pull your money out during a bad year, those “high returns” turn into permanent losses.
On the other hand, Debt Funds (like the NIC ASIA Dynamic Debt Fund) will never give you a 50% return, but they will never lose your principal money in a stock market crash either.
Conclusion
Finding out exactly which sip gives highest return requires you to look past the marketing and check the actual data. If you want better growth and have the patience to survive the market’s ups and downs, aggressive equity schemes like Shubha Laxmi Kosh, Nabil Flexi Cap, or NIBL Sahabhagita are your absolute best options right now. And also still you can keep on investing in New Product like Machhapuchhre SIP Yojana. Define your financial goals, pick the fund with a proven track record, and automate your monthly payments so compounding interest can do its magic.
💬 1 Comment