₹1000 SIP for 20 Years

How Does SIP for 1000 Per Month for 20 Years Work?

Suppose an investor decides to contribute ₹1,000 each month into a mutual fund SIP for a continuous period of 20 years. Over time, the invested amount compounds based on prevailing market returns.

Projected Outcomes at Various Annual Returns

List of SIP 1000 Per Month for 20 years​

Below is the list of best SIP plans you can invest 1000 per month in: 

Details of 1000 Per Month for 20 years​

Below are the details of SIP plans for 1000 per month for 20 years: 

1. HDFC Flexi Cap Fund Regular-Growth

   Investment Objective: To generate capital appreciation/income from a portfolio predominantly invested in equity and equity-related instruments.

   Parameters	Details
   Fund Name	HDFC Flexi Cap Fund Regular-Growth
   NAV	₹ 2,087.45 (as on 20th November, 2025)
   AUM	₹80,642.30 Crs
   Expense Ratio	1.37%
   Return 5 Years	28.76%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	1st January, 1995
   Asset Allocation	Equity: 87.14%, Debt: 0.57%, Others: 9.71%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Repo ICICI Bank Ltd HDFC Bank Ltd Axis Bank Ltd SBI Life Insurance Company Ltd State Bank of India Kotak Mahindra Bank Ltd Maruti Suzuki India Ltd Cipla Ltd HCL Technologies Ltd
   Fund Managers	Roshi Jain Dhruv Muchhal
   Fund Type	Open-ended

2. JM Flexicap Fund-Growth

   Investment Objective: To provide capital appreciation by investing primarily in equity and equity-related securities of various market capitalizations with a dynamic allocation approach.

   Parameters	Details
   Fund Name	JM Flexicap Fund-Growth
   NAV	₹ 98.89 (as on 20th November, 2025)
   AUM	₹5,957.00 Crs
   Expense Ratio	1.78%
   Return 5 Years	25.63%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
   Risk Level	Principal at very high risk
   Launch Date	23rd September, 2008
   Asset Allocation	Equity: 98.93%, Others: 1.07%
   Top Sectors	Real Estate Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	ICICI Bank Ltd State Bank of India Larsen & Toubro Ltd Godfrey Phillips India Ltd Tech Mahindra Ltd HDFC Bank Ltd One 97 Communications Ltd Bharti Airtel Ltd Reliance Industries Ltd Maruti Suzuki India Ltd
   Fund Managers	Ruchi Fozdar Asit Bhandarkar Satish Ramanathan Deepak Gupta
   Fund Type	Open-ended

3. Quant Flexi Cap Fund-Growth

   Investment Objective: To generate consistent returns by investing across market caps (large, mid, and small cap companies) with flexibility to invest in a mix to maximize returns or manage risk defensively.

   Parameters	Details
   Fund Name	Quant Flexi Cap Fund-Growth
   NAV	₹ 100.62 (as on 20th November, 2025)
   AUM	₹7,011.03 Crs
   Expense Ratio	1.79%
   Return 5 Years	26%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	17th October, 2008
   Asset Allocation	Equity: 97.93%, Debt: 2.82%, Others: -0.74%
   Top Sectors	Healthcare Materials Real Estate Technology Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial
   Top Holdings	Reliance Industries Ltd Adani Power Ltd Repo Adani Enterprises Ltd Samvardhana Motherson International Ltd Jio Financial Services Limited Aurobindo Pharma Ltd Life Insurance Corporation of India Britannia Industries Ltd Larsen & Toubro Ltd
   Fund Managers	Sanjeev Sharma Sandeep Tandon Ankit A Pande Lokesh Garg Varun Pattani Ayusha Kumbhat Sameer Kate Yug Tibrewal
   Fund Type	Open-ended

4. Edelweiss Mid Cap Fund Regular-Growth

   Investment Objective: To seek long-term capital appreciation from a portfolio predominantly investing in equity and equity-related securities of mid-cap companies.

   Parameters	Details
   Fund Name	Edelweiss Mid Cap Fund Regular-Growth
   NAV	₹ 104.67 (as on 20th November, 2025)
   AUM	₹11,026.93 Crs
   Expense Ratio	1.68%
   Return 5 Years	29.1%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	26th December, 2007
   Asset Allocation	Equity: 97.58%, Debt: 3.08%, Others: -0.66%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	Others CBLO Max Healthcare Institute Ltd Persistent Systems Ltd Coforge Ltd Marico Ltd PB Fintech Ltd Fortis Healthcare Ltd Solar Industries India Ltd Indian Bank Dixon Technologies (India) Ltd
   Fund Managers	Raj Koradia Trideep Bhattacharya Dhruv Bhatia
   Fund Type	Open-ended

5. Kotak Large & Midcap Fund Regular-Growth

   Investment Objective: To generate long-term capital growth by investing in a portfolio predominantly of equity and equity-related securities of large and midcap companies.

   Parameters	Details
   Fund Name	Kotak Large & Midcap Fund Regular-Growth
   NAV	₹ 354.45 (as on 20th November, 2025)
   AUM	₹28,084.13 Crs
   Expense Ratio	1.57%
   Return 5 Years	21.97%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	9th September, 2004
   Asset Allocation	Equity: 97.72%, Debt: 0.31%, Others: 1.97%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	HDFC Bank Ltd Bharat Electronics Ltd Zomato Ltd State Bank of India ICICI Bank Ltd Repo Infosys Ltd Coromandel International Ltd Axis Bank Ltd Bharti Airtel Ltd
   Fund Managers	NA
   Fund Type	Open-ended

   

6. Nippon India Value Fund-Growth

   Investment Objective: To seek capital appreciation and/or generate consistent returns by actively investing predominantly in value stocks across market capitalizations.

   Parameters	Details
   Fund Name	Nippon India Value Fund-Growth
   NAV	₹ 235.06 (as on 20th November, 2025)
   AUM	₹8,768.29 Crs
   Expense Ratio	1.83%
   Return 5 Years	25.45%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹500
   Risk Level	Principal at very high risk
   Launch Date	8th June, 2005
   Asset Allocation	Equity: 95.4%, Debt: 0.03%, Others: 4.57%
   Top Sectors	Energy & Utilities Consumer Discretionary Consumer Staples Materials Technology Industrials Real Estate Financial Healthcare
   Top Holdings	HDFC Bank Ltd Repo ICICI Bank Ltd Infosys Ltd State Bank of India NTPC Ltd Reliance Industries Ltd Vedanta Ltd Bharti Airtel Ltd Larsen & Toubro Ltd
   Fund Managers	Meenakshi Dawar Dhrumil Shah
   Fund Type	Open-ended

7. Bajaj Finserv Flexi Cap Fund Regular-Growth

   Investment Objective: To generate long-term capital appreciation by investing predominantly in equity and equity-related instruments across market capitalization.

   Parameters	Details
   Fund Name	Bajaj Finserv Flexi Cap Fund Regular-Growth
   NAV	₹ 15.19 (as on 20th November, 2025)
   AUM	₹5,244.12 Crs
   Expense Ratio	1.8%
   Return 5 Years	N/A
   Minimum Investment	SIP ₹1000 & Lumpsum ₹500
   Risk Level	Principal at very high risk
   Launch Date	14th August, 2023
   Asset Allocation	Equity: 97.3%, Debt: 2.25%, Others: 0.45%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	HDFC Bank Ltd State Bank of India Reliance Industries Ltd Divi's Laboratories Ltd Infosys Ltd ICICI Bank Ltd Others CBLO Bajaj Finance Ltd Multi Commodity Exchange Of India Ltd Neuland Laboratories Ltd
   Fund Managers	Nimesh Chandan Siddharth Chaudhary Sorbh Gupta
   Fund Type	Open-ended

8. Parag Parikh Flexi Cap Fund Regular-Growth

   Investment Objective: To seek long-term capital growth from an actively managed portfolio primarily of equity and equity-related securities.

   Parameters	Details
   Fund Name	Parag Parikh Flexi Cap Fund Regular-Growth
   NAV	₹ 86.35 (as on 20th November, 2025)
   AUM	₹113,280.87 Crs
   Expense Ratio	1.28%
   Return 5 Years	21.81%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
   Risk Level	Principal at very high risk
   Launch Date	24th May, 2013
   Asset Allocation	Equity: 74.01%, Debt: 22.54%, Others: 2.81%
   Top Sectors	Real Estate Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Others CBLO HDFC Bank Ltd Bajaj Holdings & Investment Ltd Power Grid Corporation of India Ltd Coal India Ltd ICICI Bank Ltd ITC Ltd Kotak Mahindra Bank Ltd Alphabet Inc Forgn. Eq (GOOGL) Maruti Suzuki India Ltd
   Fund Managers	Rajeev Thakkar Raunak Onkar Raj Mehta Rukun Tarachandani Mansi Kariya
   Fund Type	Open-ended

   

9. Sundaram Mid Cap Fund Regular-Growth

   Investment Objective: To achieve capital appreciation by investing predominantly in stocks classified as mid-cap.

   Parameters	Details
   Fund Name	Sundaram Mid Cap Fund Regular-Growth
   NAV	₹ 1,447.79 (as on 20th November, 2025)
   AUM	₹12,595.54 Crs
   Expense Ratio	1.74%
   Return 5 Years	26.66%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	30th July, 2002
   Asset Allocation	Equity: 93.57%, Debt: 0.37%, Others: 6.06%
   Top Sectors	Financial Healthcare Materials Real Estate Technology Consumer Discretionary Industrials Consumer Staples Energy & Utilities
   Top Holdings	Repo Cummins India Ltd Coromandel International Ltd Fortis Healthcare Ltd Mahindra & Mahindra Financial Services Ltd Kalyan Jewellers India Ltd GE T&D India Ltd Lupin Ltd IDFC First Bank Ltd Indian Bank
   Fund Managers	Bharath S. Ratish Varier
   Fund Type	Open-ended

10. Franklin India Flexi Cap Fund Regular-Growth

    Investment Objective: To aim for long-term capital appreciation by investing in large, mid, and small-cap stocks with flexibility to manage allocations based on opportunities.

    Parameters	Details
    Fund Name	Franklin India Flexi Cap Fund Regular-Growth
    NAV	₹ 1,684.35 (as on 20th November, 2025)
    AUM	₹18,987.94 Crs
    Expense Ratio	1.69%
    Return 5 Years	23.8%
    Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
    Risk Level	Principal at very high risk
    Launch Date	29th September, 1994
    Asset Allocation	Equity: 96.33%, Debt: 0.25%, Others: 3.42%
    Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
    Top Holdings	HDFC Bank Ltd ICICI Bank Ltd Cash/Net Current Assets Bharti Airtel Ltd Larsen & Toubro Ltd Axis Bank Ltd Infosys Ltd Reliance Industries Ltd Zomato Ltd Mahindra & Mahindra Ltd
    Fund Managers	R Janakiraman Sandeep Manam Rajasa Kakulavarapu
    Fund Type	Open-ended

Benefits of Investing in SIP Today

The key benefits of investing ₹1000 in SIP for 20 years from today are listed below:

• Power of Compounding: SIPs help your money grow over time with interest on interest, increasing your returns.
• Rupee Cost Averaging: SIPs buy more units when prices are low and fewer when prices are high, helping reduce the impact of market ups and downs.
• Discipline in Investing: Regular SIP payments encourage saving consistently and help build wealth over the long term.
• Affordability: You can start investing with as little as ₹500, making it easy for everyone.
• Diversification: SIPs allow you to invest in different mutual funds, spreading the risk and maximizing returns.
• Tax Benefits: Investing in the best SIP plans like Unit Linked Insurance Plans (ULIP) and Equity Linked Savings Scheme (ELSS) gives you tax saving benefits under Section 80C.

SIP Calculator

I know my investment amount I know my goal amount

Monthly SIP Yearly SIP Lumpsum

I want to invest Pro Tip

Financial experts suggest that a person should invest 10-15% of their monthly income for long-term financial growth

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I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

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Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

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Total Wealth ₹1.03 Cr

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I want to save

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

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Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

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Monthly Investment ₹22.4 L

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Top Funds with High Returns (Past 7 Years)

13.1%

Equity Pension

15.49%

Global Equity Index Funds Strategy

19.26%

High Growth Fund

13.37%

Opportunities Fund

21.05%

Multi Cap Fund

14.68%

Accelerator Mid-Cap Fund II

16.15%

Multiplier

14.74%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

11.26%

Equity II Fund

14.82%

US Equity Fund

15.14%

Growth Opportunities Plus Fund

11.94%

Equity Top 250 Fund

14.23%

Future Apex Fund

12.05%

Pension Dynamic Equity Fund

14.4%

Accelerator Fund

Conclusion

A ₹1000 SIP for 20 years can grow well with regular investment and compounding. If the average return is around 15% per year, your total amount could reach about ₹13.3 lakhs by the end of 20 years. This shows how even small, steady contributions can grow over time. Keep in mind that returns may vary, so it is important to check your investments regularly.