Examples of ₹2,000 SIP for 10 Years
Let us see how a SIP of ₹2,000 per month for 10 years can grow for different types of investors in 2025.
Example 1: Large-Cap Fund
Sushant is 38 years old and works in a government job. He wants to build a small retirement fund without taking too much risk. He decides to invest ₹2,000 every month in a large-cap mutual fund, which is known for stability and steady returns.
Details:
- Monthly SIP: ₹2,000
- Investment Period: 10 years
- Fund Type: Large Cap
- Expected Return: 9% per year
What Happens:
By the time Sushant turns 48, his total investment of ₹2.4 lakh grows to around ₹3.82 lakh. It is a safe and stress-free way to create a backup fund for his future.
- Investment: ₹2,40,000
- Returns: ₹1,42,172
- Total Corpus: ₹3.82,172
Example 2: Mid-Cap Fund
Sneha, 32, works in an IT company. She wants to save money for her child’s higher education in the next 10 years. She chooses a balanced mutual fund, which gives better returns than large-cap funds and carries less risk than small-cap funds.
Details:
- Monthly SIP: ₹2,000
- Investment Period: 10 years
- Fund Type: Balanced Fund
- Expected Return: 11% per year
What happens:
Sneha’s total investment of ₹2.4 lakh grows to around ₹4.31 lakh. This amount will help her cover her child’s education expenses without needing to take out a loan.
- Investment: ₹2,40,000
- Returns: ₹1,91,000
- Total Corpus: ₹4,31,000
Example 3: Small-Cap Fund
Arjun is 28 and works in marketing. He wants to buy his first car after 10 years and plans to save for it through SIP. He chooses a small-cap fund, which offers higher growth potential but also carries more risk.
Details:
- Monthly SIP: ₹2,000
- Investment Period: 10 years
- Fund Type: Small Cap
- Expected Return: 18% per year
What happens:
Arjun’s investment of ₹2.4 lakh grows to about ₹4.90 lakh in 10 years. It is enough for the down payment on his dream car.
- Investment: ₹2,40,000
- Returns: ₹3,78,160
- Total Corpus: ₹6,18,160
List of Best Mutual Funds for ₹2,000 SIP
The following list shows the best mutual funds to invest in a SIP of ₹2,000 per month for 10 years:
Details of Best Mutual Fund Schemes for 2,000 SIP
You can learn the key details of the above mentioned best SIP plans of ₹2,000 per month for 10 years:
-
Nippon India Small Cap Fund - Growth
This fund aims to grow your money over the long term by mainly investing in shares of small companies that have good growth potential. It may also invest a little in debt and money market instruments for stability, but its main focus is on small-cap company stocks.
-
DSP Natural Resources and New Energy Fund - Regular Plan - Growth
This fund wants to make your money grow in the long term by investing mostly in companies related to natural resources and new energy, like minerals, oil, gas, and renewable energy sectors. It can also put some money into similar companies outside India. The focus is on capturing opportunities in growing areas like clean and sustainable energy.
-
HDFC Small Cap Fund - Growth
The goal here is to give long-term growth by investing mostly in shares of small companies, which can offer higher returns but come with higher risks. It focuses on picking companies with strong businesses and good potential to grow over time.
-
Invesco India Mid Cap Fund - Growth
This fund’s aim is to increase your wealth mainly by investing in mid-sized companies, which are considered to have a good balance of growth potential and risk. It invests in a mix of such companies to help your money grow over the medium to long term.
-
Nippon India Growth Mid Cap Fund - Growth
The objective is to achieve long-term capital growth by putting money into equity and equity-related securities, focusing primarily on mid-cap companies. The fund uses research-based investment strategies to select stocks with good growth prospects.
-
HDFC Mid Cap Fund - Growth
This fund tries to create long-term wealth for you by investing mainly in medium-sized companies that have solid business models and growth prospects. It looks for companies that can become even bigger in the future and keeps the portfolio diversified to help manage risks.
-
Edelweiss Mid Cap Fund - Regular Plan - Growth
The fund aims to help your money grow by investing primarily in shares of mid-cap companies. It picks companies that are expected to become strong performers over the years, focusing on capital appreciation in the long term.
-
Kotak Midcap Fund - Growth
This fund wants to grow your investment over time by mostly investing in medium-sized companies that are still developing or under-researched. The fund believes these companies have the potential for higher returns in the long run, though they may be more volatile in the short term.
- Insurance Companies
- Mutual Funds
|
Returns |
| Fund Name |
5 Years |
7 Years |
10 Years |
| SBI Life |
14.4% |
13.51% |
|
| HDFC Life |
20.53% |
16.41% |
|
| Axis Max Life |
26.3% |
22.61% |
|
| ICICI Prudential Life |
17.23% |
15.17% |
|
| Tata AIA Life |
22.37% |
22.61% |
|
| Bajaj Life |
18.03% |
14.76% |
|
| Birla Sun Life |
19.93% |
16.74% |
|
| PNB MetLife |
31.41% |
24.68% |
|
| Canara HSBC Life |
13.46% |
12.18% |
|
| Star Union Dai-ichi Life |
16.95% |
- |
|
Fund rating powered by
Last updated: Nov 2025
Last updated: October 2025
How Can You Plan Your SIP?
Planning your Systematic Investment Plan (SIP) is simple if you follow a few smart steps. It helps you invest regularly, build wealth, and reach your financial goals without stress.
- Set a clear goal – Decide what you’re investing for (retirement, education, house, etc.).
- Fix your monthly amount – Start with an amount you can invest comfortably, even ₹2,000 is good.
- Choose your time period – Short-term goals need safer funds; long-term goals suit equity funds.
- Pick the right fund type – Large-cap (stable), mid/small-cap (high growth), ELSS (tax-saving), balanced (moderate risk).
- Check fund performance – Choose funds with steady 5–10 year performance.
- Use a SIP calculator – Estimate your future returns and total corpus easily from the Policybazaar SIP Calculator online.
- Start early – The earlier you start, the more you gain from the power of compounding.
SIP Calculator
Monthly Investment
₹22.4 L
Top Funds with High Returns (Past 7 Years)
13.18%
Equity Pension
15.49%
Global Equity Index Funds Strategy
19.07%
High Growth Fund
13.4%
Opportunities Fund
21.09%
Multi Cap Fund
14.39%
Accelerator Mid-Cap Fund II
15.84%
Multiplier
14.73%
Frontline Equity Fund
18.41%
Pension Mid Cap Fund
11.46%
Growth Plus Fund
14.82%
US Equity Fund
15.19%
Growth Opportunities Plus Fund
11.84%
Equity Top 250 Fund
14.24%
Future Apex Fund
12.17%
Pension Dynamic Equity Fund
14.64%
Pension Enhanced Equity
Final Words:
A ₹2,000 SIP for 10 years may look small at first, but it can create a big difference in your financial future. The power of compounding helps your money grow faster as your returns start earning more returns over time. By staying consistent and patient, your small monthly investments can turn into a strong wealth-building plan. The key is to start early, stay regular, and let compounding do the magic for you.
