Can I expect more than 12 percent from the SIPs that I have started

UTI Opportunities and ICICI Prudential Focused Bluechip Equity funds are top performers in the large cap category. Hdfc Top 200 has been relatively under performing in the recent past, but given the past track record of this fund, it has the potential to do well in the future once we get past this period of volatility. Quantum long term equity is an average performer in the diversified flexicap category. Historically good equity funds have given excellent returns over a 5 year investment horizon. Though past returns doesn't necessarily assure future returns, given the structural improvement in the Indian economy and future trajectory of interest rates in India, Indian equities are expected to perform very well over a 5 year horizon. Since you are investing through SIP, you can take advantage of the ongoing volatility and potentially get even better returns.