2000 SIP for 10 Years

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 2026.

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:

1. 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.

   Parameters	Details
   Fund Name	Nippon India Small Cap Fund - Growth
   NAV	₹ 146.63 (as on 31st March, 2026)
   AUM	₹67,641.50 Crs
   Expense Ratio	1.42%
   Return 5 Years	19.9%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	16th September, 2010
   Asset Allocation	Equity: 95.93%, Debt: 1.48%, Others: 2.59%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	Repo Multi Commodity Exchange Of India Ltd HDFC Bank Ltd State Bank of India Karur Vysya Bank Ltd Apar Industries Ltd Kirloskar Brothers Ltd Paradeep Phosphates Ltd TD Power Systems Ltd Bharat Heavy Electricals Ltd
   Fund Managers	NA
   Fund Type	Open-ended

   

2. 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.

   Parameters	Details
   Fund Name	DSP Natural Resources and New Energy Fund Regular Plan-Growth
   NAV	₹ 104.21 (as on 31st March, 2026)
   AUM	₹1,989.64 Crs
   Expense Ratio	1.98%
   Return 5 Years	19.72%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	25th April, 2008
   Asset Allocation	Equity: 88.48%, Others: 11.52%
   Top Sectors	Energy & Utilities Materials
   Top Holdings	Reverse Repo Black Rock Global Funds - World Energy Fund Jindal Steel & Power Ltd Tata Steel Ltd Oil & Natural Gas Corporation Ltd Bharat Petroleum Corporation Ltd Hindalco Industries Ltd Coal India Ltd Black Rock Global Funds - New Energy Fund Oil India Ltd
   Fund Managers	NA
   Fund Type	Open-ended

3. 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.

   Parameters	Details
   Fund Name	HDFC Small Cap Fund Regular-Growth
   NAV	₹ 118.36 (as on 31st March, 2026)
   AUM	₹37,423.94 Crs
   Expense Ratio	1.57%
   Return 5 Years	17.49%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	3rd April, 2008
   Asset Allocation	Equity: 91.97%, Others: 8.03%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Repo Firstsource Solutions Ltd eClerx Services Ltd Aster DM Healthcare Ltd Bank Of Baroda Gabriel India Ltd Eris Lifesciences Ltd Fortis Healthcare Ltd Indian Bank Krishna Institute Of Medical Sciences Ltd
   Fund Managers	Chirag Setalvad Dhruv Muchhal
   Fund Type	Open-ended

4. 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.

   Parameters	Details
   Fund Name	Invesco India Mid Cap Fund Regular-Growth
   NAV	₹ 156.46 (as on 31st March, 2026)
   AUM	₹10,771.90 Crs
   Expense Ratio	1.72%
   Return 5 Years	17.68%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	19th April, 2007
   Asset Allocation	Equity: 99.35%, Others: 0.65%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Financial Healthcare Materials Real Estate Technology
   Top Holdings	The Federal Bank Ltd AU Small Finance Bank Ltd L&T Finance Holdings Ltd Swiggy Ltd. Prestige Estates Projects Ltd Max Healthcare Institute Ltd BSE Ltd Glenmark Pharmaceuticals Ltd Max Financial Services Ltd Global Health Ltd
   Fund Managers	Aditya Khemani Amit Ganatra
   Fund Type	Open-ended

5. 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.

   Parameters	Details
   Fund Name	Nippon India Growth Mid Cap Fund - Growth
   NAV	₹ 3,814.10 (as on 31st March, 2026)
   AUM	₹43,982.51 Crs
   Expense Ratio	1.55%
   Return 5 Years	19.53%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	8th October, 1995
   Asset Allocation	Equity: 98.66%, Debt: 0.01%, Others: 1.33%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	BSE Ltd Fortis Healthcare Ltd Repo The Federal Bank Ltd Cholamandalam Financial Holdings Ltd AU Small Finance Bank Ltd Persistent Systems Ltd Voltas Ltd Bharat Forge Ltd Ashok Leyland Ltd
   Fund Managers	Rupesh Patel Kinjal Desai
   Fund Type	Open-ended

   

6. 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.

   Parameters	Details
   Fund Name	HDFC Mid Cap Fund Regular-Growth
   NAV	₹ 180.28 (as on 31st March, 2026)
   AUM	₹94,256.90 Crs
   Expense Ratio	1.37%
   Return 5 Years	19.67%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	25th June, 2007
   Asset Allocation	Equity: 94.24%, Others: 5.76%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Repo Max Financial Services Ltd AU Small Finance Bank Ltd The Federal Bank Ltd Indian Bank Balkrishna Industries Ltd Coforge Ltd Fortis Healthcare Ltd Glenmark Pharmaceuticals Ltd Ipca Laboratories Ltd
   Fund Managers	Chirag Setalvad Dhruv Muchhal
   Fund Type	Open-ended

7. 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.

   Parameters	Details
   Fund Name	Edelweiss Mid Cap Fund Regular-Growth
   NAV	₹ 92.05 (as on 31st March, 2026)
   AUM	₹14,355.22 Crs
   Expense Ratio	1.68%
   Return 5 Years	18.47%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	26th December, 2007
   Asset Allocation	Equity: 96.75%, Debt: 3.59%, Others: -0.34%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	Others CBLO Coforge Ltd Max Healthcare Institute Ltd Persistent Systems Ltd Marico Ltd PB Fintech Ltd BSE Ltd Multi Commodity Exchange Of India Ltd Fortis Healthcare Ltd The Federal Bank Ltd
   Fund Managers	Raj Koradia Trideep Bhattacharya Dhruv Bhatia
   Fund Type	Open-ended

8. 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.

   Parameters	Details
   Fund Name	Kotak Midcap Fund Regular-Growth
   NAV	₹ 121.98 (as on 31st March, 2026)
   AUM	₹61,694.40 Crs
   Expense Ratio	1.39%
   Return 5 Years	16.27%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	30th March, 2007
   Asset Allocation	Equity: 99.22%, Debt: 0.18%, Others: 0.6%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	GE T&D India Ltd Fortis Healthcare Ltd Mphasis Ltd Dixon Technologies (India) Ltd Ipca Laboratories Ltd Vishal Mega Mart Ltd. Swiggy Ltd. Kei Industries Ltd JK Cement Ltd Indian Bank
   Fund Managers	NA
   Fund Type	Open-ended

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

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

/Month

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

View Plans

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)

11.73%

Equity Pension

13.71%

Opportunities Fund

17.66%

High Growth Fund

11.86%

Opportunities Fund

22%

Multi Cap Fund

13.26%

Accelerator Mid-Cap Fund II

14.8%

Multiplier

13.36%

Frontline Equity Fund

14.27%

Virtue II

9.76%

Equity II Fund

9.69%

Blue-Chip Equity Fund

14.13%

Growth Opportunities Plus Fund

10.77%

Equity Top 250 Fund

12.41%

Future Apex Fund

10.57%

Pension Dynamic Equity Fund

12.95%

Accelerator Fund

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.