Best SIP Plans for 2,000 Per Month
Investing ₹2,000 per month through SIPs is ideal for investors who want to move beyond a starter SIP and take a slightly stronger step toward long-term wealth creation. This amount allows better diversification across equity styles such as large-cap, mid-cap, and flexi-cap funds. A ₹2,000 SIP suits long-term planners and disciplined investors aiming for higher growth while staying consistent through market ups and downs.
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List of Best SIP for 2000 Per Month in 2026
Below is the list of best SIP plans you can invest 2000 per month in 2026:
| Fund Name | Return 3 Years | Return 5 Years | Return Since Launch |
|---|---|---|---|
| ICICI Prudential BHARAT 22 FOF-Growth | 16.28% | 21.88% | 15.86% |
| Kotak Flexi Cap Fund Regular-Growth | 11.35% | 9.92% | 13.43% |
| SBI Large Cap Fund-Growth | 9.2% | 8.89% | 11.43% |
| SBI Contra Fund-Growth | 10.79% | 15.01% | 18.24% |
| Nippon India Multi Cap Fund-Growth | 12.74% | 16.56% | 17.21% |
| HDFC Mid Cap Fund Regular-Growth | 17.58% | 18.96% | 17.22% |
| Invesco India Small Cap Fund Regular-Growth | 21.83% | 19.1% | 22.34% |
| Bandhan Small Cap Fund Regular-Growth | 23.79% | 18.67% | 28.8% |
| DSP ELSS Tax Saver Fund Regular-Growth | 12.83% | 11.26% | 14.31% |
| JM Flexi Cap Fund-Growth | 13.65% | 14.46% | 13.67% |
Details of SIP 2000 Per Month in 2026
Below are the details of SIP plans for 2000 per month:
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ICICI Prudential BHARAT 22 FOF - Growth
The investment objective of ICICI Prudential BHARAT 22 FOF - Growth is to generate returns by investing primarily in the units of BHARAT 22 ETF, which itself is a diversified equity portfolio representing strategic sectors of the Indian economy.
Below is the detailed information in the requested vertical table form as of October 31, 2025:
Parameters Details Launch Date 29th June, 2018 AUM ₹2,882.81 Crs NAV Expense Ratio 0.13% Return Since Launch 15.86% Risk Level Principal at very high risk Fund Category Equity -
Kotak Flexicap Fund Regular-Growth
The scheme seeks to generate long-term capital appreciation from a portfolio of equity and equity related securities, generally focused on a few selected sectors.
Parameters Details Launch Date 11th September, 2009 AUM ₹55,850.29 Crs NAV Expense Ratio 1.48% Return Since Launch 13.43% Risk Level Principal at very high risk Fund Category Equity -
SBI Large Cap Fund-Growth
The scheme seeks to provide investors with opportunities for long-term growth in capital through an active management of investments in a diversified basket of large cap equity stocks (as specified by SEBI/AMFI from time to time).
Parameters Details Launch Date 14th February, 2006 AUM ₹55,063.96 Crs NAV Expense Ratio 1.51% Return Since Launch 11.43% Risk Level Principal at very high risk Fund Category Equity -
SBI Contra Fund-Growth
The scheme seeks to provide the investor with the opportunity of long-term capital appreciation by investing in a diversified portfolio of equity and equity related securities following a contrarian investment strategy.
Parameters Details Launch Date 9th May, 2005 AUM ₹47,361.68 Crs NAV Expense Ratio 1.6% Return Since Launch 18.24% Risk Level Principal at very high risk Fund Category Equity -
Nippon India Multi Cap Fund-Growth
The scheme aims to invest in stocks across those sectors and industries where India's strong inherent potential is increasingly becoming visible to the world, which are driving our economy and whose fundamental future growth is influenced by ongoing economic reforms, FDI inflows and infrastructural changes.
Parameters Details Launch Date 28th March, 2005 AUM ₹54,584.58 Crs NAV Expense Ratio 1.6% Return Since Launch 17.21% Risk Level Principal at very high risk Fund Category Equity -
HDFC Mid Cap Fund Regular-Growth
The scheme seeks to provide long-term capital appreciation/income by investing predominantly in Mid-Cap companies.
Parameters Details Launch Date 25th June, 2007 AUM ₹100,858.31 Crs NAV Expense Ratio 1.3% Return Since Launch 17.22% Risk Level Principal at very high risk Fund Category Equity -
Invesco India Smallcap Fund Regular - Growth
The scheme seeks to generate capital appreciation by investing predominantly in stocks of Smallcap companies.
Parameters Details Launch Date 30th October, 2018 AUM ₹13,384.88 Crs NAV Expense Ratio 1.83% Return Since Launch 22.34% Risk Level Principal at very high risk Fund Category Equity -
Bandhan Small Cap Fund Regular-Growth
The Scheme seeks to generate long term capital appreciation by investing predominantly in equities and equity linked securities of the small cap segment.
Parameters Details Launch Date 25th February, 2020 AUM ₹28,466.18 Crs NAV Expense Ratio 1.72% Return Since Launch 28.8% Risk Level Principal at very high risk Fund Category Equity -
DSP ELSS Tax Saver Fund Regular-Growth
The primary investment objective of the DSP ELSS Tax Saver Fund - Regular- Growth is to seek medium to long-term capital appreciation from a diversified portfolio that is substantially constituted of equity and equity-related securities of corporates. The fund also aims to enable investors to avail deductions from total income under the Income Tax Act, 1961. It is designed to offer tax benefits under Section 80C and has a statutory lock-in period of 3 years. The fund typically invests in a diversified equity portfolio targeting capital appreciation over the long run.
Parameters Details Launch Date 18th January, 2007 AUM ₹16,562.43 Crs NAV Expense Ratio 1.8% Return Since Launch 14.31% Risk Level Principal at very high risk Fund Category Equity -
JM Flexicap Fund-Growth
JM Flexicap Fund-Growth aims to provide capital appreciation through investments primarily in equity and equity-related securities of various market capitalizations, adhering to a flexible asset allocation strategy to maximize long-term returns while managing risk. The fund is suitable for aggressive investors seeking high-growth opportunities over the long term.
Parameters Details Launch Date 23rd September, 2008 AUM ₹5,177.87 Crs NAV Expense Ratio 2.28% Return Since Launch 13.67% Risk Level Principal at very high risk Fund Category Equity
How Does an SIP for ₹2,000 Per Month Work?
If you invest ₹2,000 every month for 20 years, your total contribution comes to ₹4.8 lakh. Assuming an annual return of 12%, your investment growth can be calculated using an SIP Calculator-
Here,
- Monthly SIP Amount: ₹2,000
- Investment Horizon: 20 years
- Total Investment (20 years): ₹4,80,000
| Expected Return | Estimated Corpus | Total Gains |
| 10% | ₹15.26 Lakhs | ₹10.46 Lakhs |
| 12% | ₹19.98 Lakhs | ₹15.18 Lakhs |
| 15% | ₹30.32 Lakhs | ₹25.52 Lakhs |
*If ₹2,000 feels high initially, investors can begin with a ₹1,500 SIP and step it up later, or even start with a ₹500 SIP to build the habit before increasing the amount.
Investment Strategy for ₹2,000 SIP per Month
- Balance Risk and Growth: Combine flexi-cap with large-cap or mid-cap funds.
- Target Returns: Long-term expectations of 10%-15% annually are reasonable.
- Tax Efficiency: Equity SIPs held over one year are taxed at 12.5% LTCG on gains above ₹1.25 lakh per year (FY 2025-26 & FY 2026-27). ELSS funds continue to qualify under Section 80C.
- Flexibility: Investors can split ₹2,000 into two SIPs (e.g., ₹1,000 each) for better diversification.
Things to Consider While Investing in Best SIP for 2000 Per Month
Here are some important things to consider while investing in the best SIP for ₹2000 per month:
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Investment Horizon: Decide whether you’re investing for short-term goals or long-term goals. Equity funds suit long-term goals, while debt funds are better for short-term stability.
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Risk Appetite: Assess your risk tolerance. If you’re risk-averse, consider hybrid or debt-oriented funds. For aggressive investors, equity SIPs offer higher potential returns.
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Fund Performance: Check the past 3–5 years' performance of the fund. Compare it against its benchmark and peer funds to judge consistency.
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Expense Ratio: Opt for funds with a low expense ratio, as high fees can eat into your returns over time, especially with small SIP amounts.
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Fund Type: Choose the type of mutual fund (equity, debt, or hybrid) based on your goals. For ₹2000 SIPs, equity or hybrid funds can provide better long-term value.
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Fund Manager Experience: A skilled and experienced fund manager can significantly influence a fund’s performance. Check their track record.
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SIP Duration: The longer you stay invested, the more you benefit from compounding. Stick to your SIP even during market volatility.
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Investment Goal: Define a specific goal like: child’s education, emergency fund, retirement planning, etc. to stay motivated and select the right fund.
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Diversification: Don’t put all ₹2000 into a single fund type. You can split it between two funds (e.g., ₹1000 in an equity fund and ₹1000 in a hybrid fund) for balance.
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Fund House Reputation: Prefer AMCs with strong research teams and a solid history of managing funds across market cycles.
SIP Calculator
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Conclusion
While ₹2,000 may seem like a small amount, in the world of mutual funds, it can be the foundation of a strong financial future. The goal isn’t just to invest, but to do it consistently and wisely. With the right SIP plan, you’re not just saving — you’re growing your money, developing financial discipline, and gradually building a corpus for your goals through the power of compounding. Remember, it's not about how much you start with, but how long and how wisely you stay invested.
