Examples of ₹2000 SIP for 15 Years
Let us take a look at how a ₹2000 SIP can grow over 15 years in different types of mutual funds:
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₹2000 SIP for 15 Years in Large-Cap Fund
Case 1: A young parent invests ₹2,000 per month in a large-cap fund for 15 years to save for their child's higher education. They can build wealth during this period as per the following:
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Fund Type: Large Cap Fund
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Monthly Investment: ₹2,000
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Investment Period: 15 Years
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Expected Annualized Return: 12%
Now, calculating the returns of this fund using a SIP calculator will give the following results:
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Total Investment: ₹3.6 lakhs
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Estimated Value at Maturity: ₹9.52 lakhs
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Wealth Gained: ₹5.92 lakhs
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₹2000 SIP for 15 Years in Mid-Cap Fund
Case 2: A private-sector employee starts a mid-cap fund SIP of ₹2,000 monthly for 15 years to buy a dream car. His total corpus at the end of maturity will be as follows:
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Fund Type: Mid-Cap Fund
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Monthly Investment: ₹2,000
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Investment Period: 15 Years
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Expected Annualized Return: 15%
Calculating the returns of this fund using a SIP calculator will give the following results:
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Total Investment: ₹3.6 lakhs
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Estimated Value at Maturity: ₹12.3 lakhs
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Wealth Gained: ₹8.73 lakhs
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₹2000 SIP for 15 Years in Small-Cap Fund
Case 3: An IT professional saves ₹2,000 monthly in a small-cap fund for 15 years to fund their dream world tour. This is how he can estimate the maturity amount:
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Fund Type: Small Cap Fund
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Monthly Investment: ₹2,000
-
Investment Period: 15 Years
-
Expected Annualized Return: 18%
Calculating the returns of this fund using a SIP calculator will give the following results:
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Total Investment: ₹3.6 lakhs
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Estimated Value at Maturity: ₹16 lakhs
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Wealth Gained: ₹12.4 lakhs
Returns from ₹2000 SIP for 15 Years: Calculation Table
| Fund Type |
Monthly SIP |
Investment Duration |
Total Investment |
Expected Annual Return |
Maturity Amount |
Wealth Gained |
| Large Cap Fund |
₹2,000 |
15 Years |
₹3.6 lakhs |
12% p.a. |
₹9.52 lakhs |
₹5.92 lakhs |
| Mid Cap Fund |
₹2,000 |
15 Years |
₹3.6 lakhs |
15% p.a. |
₹12.3 lakhs |
₹8.73 lakhs |
| Small Cap Fund |
₹2,000 |
15 Years |
₹3.6 lakhs |
18% p.a. |
₹16 lakhs |
₹12.4 lakhs |
NOTE:
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The maturity amount increases with a higher rate of return.
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Returns are not fixed and depend on mutual fund performance.
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Small-cap funds offer high growth potential but come with significant risk, mid-cap funds provide a balance between risk and returns, and large-cap funds are safer and deliver more stable returns.
SIP Calculator
Monthly Investment
₹22.4 L
Top Funds with High Returns (Past 7 Years)
18.4%
High Growth Fund
17.46%
Top 200 Fund
14.57%
Accelerator Mid-Cap Fund II
14.81%
Opportunities Fund
10.58%
Growth Plus Fund
13.35%
Accelerator Fund
14.61%
Growth Opportunities Plus Fund
15.6%
Multiplier
11.48%
Equity Top 250 Fund
13.31%
Future Apex Fund
12.32%
Opportunities Fund
14.24%
Frontline Equity Fund
15.03%
Virtue II
10.88%
Pension Dynamic Equity Fund
11.8%
Equity Fund
10.32%
Blue-Chip Equity Fund
Benefits of Investing in SIP Today
Following are the key benefits offered by a SIP plan:
-
Power of Compounding: SIPs help your money grow over time by earning returns on returns.
-
Affordable: You can start with as low as ₹500 per month, making it easy for everyone.
-
Rupee Cost Averaging: SIPs help reduce the effect of market ups and downs by investing a fixed amount regularly.
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Regular Saving Habit: SIPs encourage disciplined investing by making regular contributions.
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Diversification: SIPs let you invest in different funds, spreading your risk.
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Long-Term Growth: SIPs are great for long-term goals like retirement or children’s education, offering good returns.
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Tax Savings: Some SIPs in tax-saving funds (ULIP and ELSS) qualify for tax benefits under Section 80C.
- Insurance Companies
- Mutual Funds
|
Returns |
| Fund Name |
5 Years |
7 Years |
10 Years |
| Max Life |
27.23% |
21.07% |
|
| Tata AIA |
30.99% |
21.69% |
|
| Bajaj Allianz |
24.23% |
12.8% |
|
| HDFC Standard |
25.77% |
14.87% |
|
| Canara HSBC Oriental Bank |
17.51% |
10.29% |
|
| Bharti AXA |
23.03% |
15.02% |
|
| Birla Sun Life |
26.67% |
14.18% |
|
| ICICI Prudential |
22.68% |
13.38% |
|
| LIC |
- |
- |
|
| PNB Metlife |
24% |
16.86% |
|
Fund rating powered by
Last updated: May 2025
| |
Returns |
| Fund Name |
3 Years |
5 Years |
10 Years |
| QUANT |
23.92% |
31.48% |
|
| PARAG PARIKH |
20.69% |
26.41% |
|
| EDELWEISS |
22.34% |
24.29% |
|
| KOTAK |
24.64% |
25.01% |
|
| MIRAE ASSET |
19.74% |
24.32% |
|
| PGIM INDIA |
14.75% |
23.39% |
|
| DSP |
18.41% |
22.33% |
|
| CANARA ROBECO |
20.05% |
21.80% |
|
| SUNDARAM |
18.27% |
18.22% |
|
Conclusion
Investing ₹2000 in a SIP for 15 years can grow well due to the power of compounding. With average returns of 12-18% per year, your investment could reach around ₹9-16 lakhs. However, returns depend on market conditions. Staying invested for the long term helps you deal with market ups and downs. Before you start, check your risk tolerance and investment goals.
