Introduction
Bandhan Small Cap Funds
- Bandhan Small Cap Fund ek small-cap equity mutual fund hai, jo small-cap companies me invest karta hai (aur kabhi-kabhi mid/large cap se thodi diversification).
- Fund launch hua tha 25 February 2020 ko (Direct & Regular plan).
- 2025 ke aas-paas uska NAV aur performance ka data public hua hai. AMFI India+2MFOnline+2
Quant Small Cap Funds
- Quant Small Cap Fund bhi ek small-cap equity mutual fund hai. Groww+2Quant Mutual+2
- Ye fund kaafi purana hai — iska inception 1996 me hua tha. Quant Mutual+2Stack Wealth+2
- Is fund ka objective hai small-cap companies me invest karke long-term capital appreciation dena.
Recent Performance (2020–2025)
Bandhan Small Cap Funds
RETURNS (NAV as on 03rd December, 2025)
| Period Invested for | ₹10000 Invested on | Latest Value | Absolute Returns | Annualised Returns | Category Avg | Rank within Category |
|---|---|---|---|---|---|---|
| 1 Week | 26-Nov-25 | 9869.70 | -1.30% | – | -1.38% | 13/31 |
| 1 Month | 03-Nov-25 | 9638.10 | -3.62% | – | -3.24% | 23/31 |
| 3 Month | 03-Sep-25 | 10135.40 | 1.35% | – | -0.21% | 8/31 |
| 6 Month | 03-Jun-25 | 10268.10 | 2.68% | – | 1.96% | 10/30 |
| YTD | 01-Jan-25 | 9992.40 | -0.08% | – | -2.76% | 7/29 |
| 1 Year | 03-Dec-24 | 9882.30 | -1.18% | -1.18% | -4.02% | 9/29 |
| 2 Year | 01-Dec-23 | 15630.70 | 56.31% | 24.91% | 13.34% | 1/26 |
| 3 Year | 02-Dec-22 | 22295.40 | 122.95% | 30.58% | 19.55% | 1/23 |
| 5 Year | 03-Dec-20 | 36038.80 | 260.39% | 29.21% | 25.82% | 3/21 |
Quant Small Cap Funds
RETURNS (NAV as on 03rd December, 2025)
| Period Invested for | ₹10000 Invested on | Latest Value | Absolute Returns | Annualised Returns | Category Avg | Rank within Category |
|---|---|---|---|---|---|---|
| 1 Week | 26-Nov-25 | 9816.40 | -1.84% | – | -1.38% | 26/31 |
| 1 Month | 03-Nov-25 | 9676.50 | -3.24% | – | -3.24% | 16/31 |
| 3 Month | 03-Sep-25 | 10072.30 | 0.72% | – | -0.21% | 11/31 |
| 6 Month | 03-Jun-25 | 10178.70 | 1.79% | – | 1.96% | 15/30 |
| YTD | 01-Jan-25 | 9775.40 | -2.25% | – | -2.76% | 11/29 |
| 1 Year | 03-Dec-24 | 9349.10 | -6.51% | -6.51% | -4.02% | 23/29 |
| 2 Year | 01-Dec-23 | 13065.90 | 30.66% | 14.24% | 13.34% | 5/26 |
| 3 Year | 02-Dec-22 | 18170.80 | 81.71% | 21.98% | 19.55% | 4/23 |
| 5 Year | 03-Dec-20 | 40004.60 | 300.05% | 31.93% | 25.82% | 1/21 |
Chapter 1 — A New Year, A New Promise (2020)
January 2020.
A new year.
A new beginning.
Chandan Yadav and Anchal Yadav, a couple deeply in love, were sitting on their rooftop, talking about life, dreams, and their future together.
Anchal leaned on Chandan’s shoulder and said softly,
“If we want a strong future, we must build it… not just dream it.”
Chandan smiled,
“You’re right. But where do we begin?”
Anchal replied,
“Let’s start investing. Even if it’s small.”
That night, they made their first financial promise to each other —
“We will invest ₹1,000 every month… together.”
Chapter 2 — Choosing Their Paths
After days of researching mutual funds, the couple realised something beautiful:
Just like their personalities, their fund choices were also different.
Chandan was calm, thoughtful, stable —
so he chose Bandhan Small Cap Funds for his monthly SIP.
Anchal was bold, spontaneous, high-energy —
so she chose Quant Small Cap Funds for her SIP.
With excitement, they opened their apps, set up a SIP of ₹1,000/month each, and held each other’s hands.
“From today, we grow together,”
Chandan whispered.
Chapter 3 — The World Turns Upside Down (2020)
Within weeks, the world changed.
The 2020 crash hit.
Markets fell.
Fear spread everywhere.
Chandan got worried.
“Anchal… the NAV is falling. Should we stop the SIP?”
Anchal held his hand and said something he would never forget:
“We don’t stop building our future because the world is scared.”
Those words gave him strength.
Their SIP continued.
Their relationship grew stronger.
And their trust in each other deepened.
Chapter 4 — The Slow Rise of Hope (2021)
2021 brought light after darkness.
Markets recovered.
Their SIP units started showing profits.
Every month, they checked their apps together, smiling quietly as they saw green numbers.
One evening, Anchal joked,
“Quant is beating Bandhan… maybe you should copy me now.”
Chandan laughed,
“Nah… patience always wins. Just like our love.”
Chapter 5 — Testing Times (2022)
2022 wasn’t easy.
The small-cap market corrected sharply.
Some SIP months showed negative returns.
Their portfolios dipped.
Many investors quit.
Chandan felt anxious.
“Anchal… what if our money disappears?”
Anchal gently held his face,
“Money may fall, but it rises again. Trust the process… and trust me.”
Those words gave Chandan courage.
They didn’t stop their SIPs.
They didn’t panic.
They didn’t let fear win.
And this one decision changed everything.
Chapter 6 — The Big Bull Run (2023–24) in Small Cap Funds
2023 arrived like a gift.
Small-caps exploded with growth.
Their SIP units—especially ones bought at low prices in 2020 and 2022—skyrocketed.
Every month, Chandan would say,
“Anchal, look! Our Bandhan units doubled!”
And Anchal would smile,
“Quant is running like a rocket!”
2024 made them even happier.
Their combined SIP investments were growing far faster than they had imagined.
A simple ₹1,000 per month became the quiet architect of their dreams.
Chapter 7 — The Five-Year Milestone (2025) of Small Cap Funds
January 2025.
A moment they had been waiting for.
60 SIP months completed.
Each of them had invested:
👉 ₹1,000 × 60 = ₹60,000
Chandan’s Bandhan Small Cap Funds
Final SIP value:
SIP RETURNS (NAV as on 03rd December 2025)
| Period Invested for | ₹1000 SIP Started on | Investments | Latest Value | Absolute Returns | Annualised Returns |
|---|---|---|---|---|---|
| 1 Year | 03-Dec-24 | 12000 | 12605.03 | 5.04 % | 9.44 % |
| 2 Year | 01-Dec-23 | 24000 | 27373.59 | 14.06 % | 13.18 % |
| 3 Year | 02-Dec-22 | 36000 | 52261.85 | 45.17 % | 25.73 % |
| 5 Year | 03-Dec-20 | 60000 | 113240.88 | 88.73 % | 25.68 % |
Anchal’s Quant Small Cap Funds
SIP RETURNS (NAV as on 03rd December, 2025)
| Period Invested for | ₹1000 SIP Started on | Investments | Latest Value | Absolute Returns | Annualised Returns |
|---|---|---|---|---|---|
| 1 Year | 03-Dec-24 | 12000 | 12285.02 | 2.38 % | 4.42 % |
| 2 Year | 01-Dec-23 | 24000 | 24731.83 | 3.05 % | 2.91 % |
| 3 Year | 02-Dec-22 | 36000 | 44613.05 | 23.93 % | 14.41 % |
| 5 Year | 03-Dec-20 | 60000 | 102435.98 | 70.73 % | 21.52 % |
Chapter 8 — A Special Evening (2025)
Back on the same rooftop where it all began…
Anchal rested her head on Chandan’s shoulder and whispered,
“We didn’t just invest money…
we invested in us.”
Chandan smiled,
“And we doubled our love… and our wealth.”
They laughed together.
For them, it wasn’t just about returns.
It was about discipline.
Growth.
Maturity.
And partnership.
Financial partnership.
Emotional partnership.
Life partnership.
Chapter 9 — What Their Journey Teaches
Their 5-year journey teaches:
✔ Couples who invest together, grow together.
✔ Small monthly SIP = big long-term wealth.
✔ Market crashes are opportunities, not threats.
✔ Choose funds based on personality.
✔ The real power is consistency, not money.
Chandan & Anchal didn’t start big.
They started together.
Chapter 10 — A New Dream (2025 & beyond)
In 2025, the couple started planning bigger dreams:
- Their future home
- Their wedding
- A travel fund
- A larger SIP (₹5,000/month each)
- A long-term wealth plan
Anchal said,
“Imagine if we continue SIP for 10 more years.”
Chandan replied,
“Then our future will shine brighter than the sun.”
Their story had just begun.
FINAL SUMMARY (Couple Version)
Monthly SIP
- Chandan: ₹1,000 (Bandhan Small Cap Funds)
- Anchal: ₹1,000 (Quant Small Cap Funds)
Time Period
2020 → 2025 (60 months)
Total Invested
- Each: ₹60,000
- Combined: ₹1,20,000
Expected Wealth (Realistic SIP Growth)
- Chandan: ₹113240.88 lakh
- Anchal: ₹102435.98 lakh
Combined Wealth
👉 ₹2.15 lakh
All from just ₹2,000 per month as a couple.
Disclaimer
The information and calculations provided in this story are for educational and illustrative purposes only. Mutual fund returns are subject to market risks, and past performance does not guarantee future results. The SIP returns, CAGR figures, and growth estimates are approximate and may vary based on market conditions, NAV fluctuations, investment dates, and fund performance.
Investors should conduct their own research or consult a certified financial advisor before making any investment decisions. The story of Chandan and Anchal is a fictional representation created to explain financial concepts and should not be considered financial advice.
Can a ₹1,000 monthly SIP really grow into a big amount?
Yes. Even a small monthly SIP can grow significantly over long periods because of compounding. In the story, Chandan and Anchal’s ₹1,000 SIP for 5 years grew to more than ₹1.2 lakh each—thanks to market growth and consistent investing.
Which fund is better — Bandhan Small Cap Funds or Quant Small Cap Funds?
Both funds have performed strongly in recent years.
Bandhan Small Cap Fund is known for a more steady and disciplined style.
Quant Small Cap Fund follows a bold, aggressive strategy.
The “better” fund depends on your personality and risk tolerance.
Are small cap mutual funds safe?
Small-cap funds are high-risk, high-return investments.
They can deliver excellent long-term wealth, but short-term volatility is common.
They are suitable for investors who have a 5–7+ year time horizon and can handle market ups and downs.
Should I stop my SIP during a market crash?
No. Stopping SIPs during a crash is a common mistake.
Crashes allow you to buy more units at low prices, which boosts long-term returns.
The best strategy is to continue SIPs consistently, just like Chandan and Anchal did.
Is it okay if partners invest in different mutual funds?
Absolutely.
Just like Chandan and Anchal—one chose Bandhan and the other chose Quant—partners can invest in different funds based on their comfort level and risk appetite.
What matters is discipline and long-term commitment
How much should a beginner invest per month?
Beginners can start with any amount—even ₹500 or ₹1,000 per month.
Start small, stay consistent, and increase the amount as your income grows.
Is SIP better than lump sum investment?
For most people, yes.
SIP reduces risk because you invest gradually, especially useful in volatile sectors like small-cap funds.
Lump sum works better during deep corrections if you can time the market.
How long should I stay invested in small-cap funds?
Ideally 5–10 years.
Small-caps face short-term volatility but tend to deliver strong long-term growth.
Can I withdraw money anytime from my SIP investment?
Yes.
Most small-cap funds have no lock-in period.
But withdrawing early (in less than 1–2 years) is not recommended, because you may lose long-term compounding benefits.
Do I need a financial advisor to start a SIP?
No.
You can start SIPs easily through apps, websites, or AMCs.
However, if you’re unsure about fund selection or risk, consulting an advisor can help
Which is better: Bandhan Small Cap Fund or Quant Small Cap Fund?
Both funds have strong historical performance.
Bandhan Small Cap Fund offers more stable, disciplined growth.
Quant Small Cap Fund follows a dynamic, aggressive strategy that may deliver higher short-term returns.
The better choice depends on your risk tolerance and investment style.
Is a small-cap SIP good for long-term wealth creation?
Yes. Small-cap SIPs are excellent for long-term wealth creation because small companies have high growth potential. They are best suited for long-term investors (5–10 years) who can handle volatility.
Should I continue my SIP if markets are falling?
Yes. You should continue SIPs during market falls because you accumulate more units at lower NAV, which improves long-term returns. Stopping SIPs during a correction reduces the overall compounding benefit.
How risky are small-cap mutual funds?
Small-cap funds carry high risk due to market volatility and economic cycles. However, they also offer high return potential for patient investors. A minimum holding period of 5–7 years is recommended.
Can couples invest in different mutual funds?
Yes, couples can invest in different mutual funds based on their individual preferences. For example, one partner can choose a stable small-cap fund like Bandhan, while the other prefers an aggressive option like Quant.
How long should I stay invested in a small-cap SIP?
For best results, you should stay invested for at least 5–10 years. Longer tenure helps smooth out volatility and maximizes the compounding effect.
Can I withdraw money from my small-cap SIP anytime?
Yes. Small-cap SIPs do not usually have a lock-in period, so you can withdraw anytime. However, for optimal returns, avoid withdrawing within the first 3–5 years.
How much should a beginner invest in SIP per month?
Beginners can start SIPs with ₹500 or ₹1,000 per month. The important thing is consistency, not the amount. You can increase the SIP amount as your income grows.
Is SIP better than lump sum investment in small-cap funds?
For most investors, SIP is better because it reduces timing risk and spreads investment across market cycles. Lump sum investment works only when markets are deeply corrected and the timing is favorable.
