20000 SIP for 10 Years

Examples of ₹20,000 SIP for 10 Years

These examples highlight how individuals with unique aspirations—retirement, business ventures, or lifestyle upgrades—used SIPs to achieve their goals.

Example 1: Large-Cap Fund

Ravi, a 40-year-old banker, wants to secure a stress-free retirement. He chooses a large-cap fund offering 10% annual returns, focusing on stability and consistent performance.

• Monthly SIP Amount: ₹20,000

• Investment Period: 10 years

• Fund Type: Large Cap

• Annualised Returns: 10% CAGR

Scenario:By the time Ravi retires at 50, his investment will grow to approximately ₹40.3 lakhs, creating a substantial retirement fund.

Using the SIP calculator, the calculation is as follows:

• Investment: ₹24,00,000

• Returns: ₹16.3L

• Total Corpus: ₹40.3L

Example 2: Mid-Cap Fund

Kavya, a 30-year-old designer, dreams of expanding her boutique into a global brand within 10 years. She invests in a mid-cap fund, which balances risk and growth, offering 12% annual returns.

• Monthly SIP Amount: ₹20,000

• Investment Period: 10 years

• Fund Type: Mid Cap

• Annualised Returns: 12% CAGR

Scenario:At 40, Kavya’s SIP matures to approximately ₹46.46 lakhs, enabling her to launch her global boutique successfully.

Using the SIP calculator, the calculation is as follows:

• Investment: ₹24,00,000

• Returns: ₹22,46,000

• Total Corpus: ₹46,46,000

Example 3: Small-Cap Fund

Siddharth, a 25-year-old tech enthusiast, wants to build a significant corpus for a high-risk, high-reward startup idea. He invests in a small-cap fund known for higher returns, offering 15% annual returns.

• Monthly SIP Amount: ₹20,000

• Investment Period: 10 years

• Fund Type: Small Cap

• Annualised Returns: 15% CAGR

Scenario:By 35, Siddharth’s investment grew to an impressive ₹55.78 lakhs, giving him the capital to turn his startup vision into reality.

Using the SIP calculator, the calculation is as follows:

• Investment: ₹24,00,000

• Returns: ₹31,78,000

• Total Corpus: ₹55,78,000

List of Best Mutual Funds for ₹20,000 SIP

Here is a curated list of best mutual funds that you can go for, if planning to invest ₹20,000 SIP for 10 years.

Details of Best Mutual Fund Schemes for 20,000 SIP

Key details for selecting the best SIP plans are as follows:

1. SBI PSU Fund-Growth

   The investment objective of SBI PSU Fund - Growth is to provide opportunities for long-term growth through active management of investments in diversified equity stocks of domestic Public Sector Undertakings (PSUs) and in debt and money market instruments issued by PSUs and others.

   Parameters	Details
   Fund Name	SBI PSU Fund-Growth
   NAV	₹ 33.34 (as on 6th November, 2025)
   AUM	₹5,278.16 Crs
   Expense Ratio	1.86%
   Return 10 Years	13.87%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	7th July, 2010
   Asset Allocation	Equity: 97.83%, Debt: 0.09%, Others: 2.08%
   Top Sectors	Industrials Energy & Utilities Financial Materials
   Top Holdings	State Bank of India Bharat Electronics Ltd NTPC Ltd Power Grid Corporation of India Ltd GAIL (India) Ltd Bharat Petroleum Corporation Ltd Bank Of Baroda Repo NMDC Ltd Indian Bank
   Fund Managers	NA
   Fund Type	Open-ended

   

2. ICICI Prudential Infrastructure Fund-Growth

   ICICI Prudential Infrastructure Fund focuses on generating capital appreciation and distributing income to unit holders. It predominantly invests in equity and equity-related securities of companies working in the infrastructure sector.

   Parameters	Details
   Fund Name	ICICI Prudential Infrastructure Fund-Growth
   NAV	₹ 198.71 (as on 6th November, 2025)
   AUM	₹7,941.20 Crs
   Expense Ratio	1.85%
   Return 10 Years	17.14%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	31st August, 2005
   Asset Allocation	Equity: 91.93%, Debt: 0.52%, Others: 6.91%
   Top Sectors	Consumer Discretionary Industrials Energy & Utilities Financial Materials Real Estate Technology
   Top Holdings	Larsen & Toubro Ltd Repo NTPC Ltd Adani Ports and Special Economic Zone Ltd Vedanta Ltd Reliance Industries Ltd NCC Ltd Kalpataru Power Transmission Ltd Axis Bank Ltd AIA Engineering Ltd
   Fund Managers	Ihab Dalwai Sharmila D'Silva
   Fund Type	Open-ended

3. Motilal Oswal Midcap Fund Regular-Growth

   The scheme seeks to achieve long-term capital appreciation by investing in quality mid-cap companies having long-term competitive advantages and potential for growth.

   Parameters	Details
   Fund Name	Motilal Oswal Midcap Fund Regular-Growth
   NAV	₹ 102.79 (as on 6th November, 2025)
   AUM	₹33,608.53 Crs
   Expense Ratio	1.55%
   Return 10 Years	17.66%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹500
   Risk Level	Principal at very high risk
   Launch Date	24th February, 2014
   Asset Allocation	Equity: 91.01%, Debt: 6.84%, Others: 2.15%
   Top Sectors	Real Estate Materials Consumer Discretionary Industrials Financial Healthcare Technology
   Top Holdings	Reverse Repo/CBLO Dixon Technologies (India) Ltd Zomato Ltd Coforge Ltd Kalyan Jewellers India Ltd Persistent Systems Ltd One 97 Communications Ltd Trent Ltd Others CBLO Polycab India Ltd
   Fund Managers	Ajay Khandelwal Niket Shah Rakesh Shetty Sunil Sawant
   Fund Type	Open-ended

4. Aditya Birla Sun Life PSU Equity Fund Regular-Growth

   The main objective of Aditya Birla Sun Life PSU Equity Fund is to provide long-term capital appreciation. It majorly invests in equity and equity-related instruments of PSUs (Public Sector Undertakings).

   Parameters	Details
   Fund Name	Aditya Birla Sun Life PSU Equity Fund Regular-Growth
   NAV	₹ 34.11 (as on 6th November, 2025)
   AUM	₹5,418.32 Crs
   Expense Ratio	1.8%
   Return 10 Years	N/A
   Minimum Investment	SIP ₹1000 & Lumpsum ₹500
   Risk Level	Principal at very high risk
   Launch Date	30th December, 2019
   Asset Allocation	Equity: 100.47%, Others: -0.47%
   Top Sectors	Industrials Energy & Utilities Financial Materials Unspecified
   Top Holdings	State Bank of India NTPC Ltd Power Grid Corporation of India Ltd GAIL (India) Ltd Oil & Natural Gas Corporation Ltd Bharat Electronics Ltd Bharat Petroleum Corporation Ltd Bank Of Baroda PNB Housing Finance Ltd Life Insurance Corporation of India
   Fund Managers	Dhaval Gala Dhaval Joshi
   Fund Type	Open-ended

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5. HDFC Infrastructure Fund Regular-Growth

   The investment objective of HDFC Infrastructure Fund Regular-Growth is to seek long-term capital appreciation by investing predominantly in equity and equity-related securities of companies engaged in or expected to benefit from the growth and development of infrastructure.

   Parameters	Details
   Fund Name	HDFC Infrastructure Fund Regular-Growth
   NAV	₹ 48.36 (as on 6th November, 2025)
   AUM	₹2,539.90 Crs
   Expense Ratio	2.04%
   Return 10 Years	11.72%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	10th March, 2008
   Asset Allocation	Equity: 89.05%, Others: 8.47%
   Top Sectors	Consumer Discretionary Industrials Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Repo ICICI Bank Ltd HDFC Bank Ltd Larsen & Toubro Ltd J Kumar Infraprojects Ltd Kalpataru Power Transmission Ltd Interglobe Aviation Ltd NTPC Ltd Reliance Industries Ltd Bharti Airtel Ltd
   Fund Managers	Srinivasan Ramamurthy Dhruv Muchhal
   Fund Type	Open-ended

6. ICICI Prudential BHARAT 22 FOF - Growth

   ICICI Prudential BHARAT 22 FOF is a fund of funds that primarily focuses on generating returns by investing in units of BHARAT 22 FOF.

   Parameters	Details
   Fund Name	ICICI Prudential BHARAT 22 FOF - Growth
   NAV	₹ 33.52 (as on 6th November, 2025)
   AUM	₹2,315.59 Crs
   Expense Ratio	0.13%
   Return 10 Years	N/A
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	29th June, 2018
   Asset Allocation	Equity: 99.92%, Others: 0.08%
   Top Sectors	Industrials Consumer Staples Energy & Utilities Financial Materials
   Top Holdings	BHARAT 22 ETF Regular - Growth Repo Net Payables
   Fund Managers	Ashwini Shinde Ajay Kumar Solanki Kayzad Eghlim Nishit Patel
   Fund Type	Open-ended

7. Franklin Build India Fund Regular-Growth

   The objective of the Franklin Build India Fund is to achieve capital appreciation through investments in companies that are directly or indirectly engaged in the infrastructure sector.

   Parameters	Details
   Fund Name	Franklin Build India Fund Regular-Growth
   NAV	₹ 144.24 (as on 6th November, 2025)
   AUM	₹2,950.12 Crs
   Expense Ratio	1.99%
   Return 10 Years	17.4%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	4th September, 2009
   Asset Allocation	Equity: 96.48%, Others: 3.52%
   Top Sectors	Financial Materials Real Estate Technology Consumer Discretionary Industrials Energy & Utilities
   Top Holdings	Larsen & Toubro Ltd ICICI Bank Ltd Interglobe Aviation Ltd Reliance Industries Ltd Oil & Natural Gas Corporation Ltd NTPC Ltd Bharti Airtel Ltd Cash/Net Current Assets Axis Bank Ltd Power Grid Corporation of India Ltd
   Fund Managers	Ajay Argal Sandeep Manam Kiran Sebastian
   Fund Type	Open-ended

8. Nippon India Power & Infra Fund-Growth

   Nippon India Power & Infra Fund's objective is to generate long-term capital appreciation by investing in equity and equity-related instruments. It primarily invests in companies that are engaged in the power and infrastructure space in India.

   Parameters	Details
   Fund Name	Nippon India Power & Infra Fund-Growth
   NAV	₹ 351.22 (as on 6th November, 2025)
   AUM	₹7,376.91 Crs
   Expense Ratio	1.83%
   Return 10 Years	16.75%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	8th May, 2004
   Asset Allocation	Equity: 99.43%, Debt: 0%, Others: 0.57%
   Top Sectors	Financial Consumer Discretionary Industrials Diversified Energy & Utilities Healthcare Materials Real Estate Technology
   Top Holdings	Reliance Industries Ltd NTPC Ltd Bharti Airtel Ltd Larsen & Toubro Ltd Tata Power Company Ltd CG Power & Industrial Solutions Ltd Bharat Heavy Electricals Ltd Ultratech Cement Ltd Kaynes Technology India Ltd Carborundum Universal Ltd
   Fund Managers	NA
   Fund Type	Open-ended

9. Canara Robeco Infrastructure Fund Regular-Growth

   The main objective of Canara Robeco Infrastructure Fund Regular-Growth is to generate income by investing in equity and equity related instruments of the infrastructure sector companies.

   Parameters	Details
   Fund Name	Canara Robeco Infrastructure Fund Regular-Growth
   NAV	₹ 162.10 (as on 6th November, 2025)
   AUM	₹917.06 Crs
   Expense Ratio	2.27%
   Return 10 Years	15.96%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	2nd December, 2005
   Asset Allocation	Equity: 95.2%, Others: 4.8%
   Top Sectors	Consumer Discretionary Industrials Diversified Energy & Utilities Financial Materials Real Estate Technology
   Top Holdings	Larsen & Toubro Ltd Repo Reliance Industries Ltd State Bank of India NTPC Ltd Bharat Electronics Ltd Interglobe Aviation Ltd GE T&D India Ltd Dixon Technologies (India) Ltd Tata Power Company Ltd
   Fund Managers	Vishal Mishra Shridatta Bhandwaldar
   Fund Type	Open-ended

10. Quant Small Cap Fund-Growth

    The primary objective of Quant Small Cap Fund is to generate capital appreciation and provide long-term growth opportunities by investing in small-cap companies.

    Parameters	Details
    Fund Name	Quant Small Cap Fund-Growth
    NAV	₹ 257.34 (as on 6th November, 2025)
    AUM	₹29,462.70 Crs
    Expense Ratio	1.59%
    Return 10 Years	19.42%
    Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
    Risk Level	Principal at very high risk
    Launch Date	24th November, 1996
    Asset Allocation	Equity: 94.21%, Debt: 0.32%, Others: 5.46%
    Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
    Top Holdings	Reliance Industries Ltd Repo Jio Financial Services Limited RBL Bank Ltd Aegis Logistics Ltd Adani Power Ltd Bikaji Foods International Ltd Anand Rathi Wealth Ltd Aster DM Healthcare Ltd Ventive Hospitality Ltd.
    Fund Managers	Sanjeev Sharma Ankit A Pande Sandeep Tandon Varun Pattani Ayusha Kumbhat Sameer Kate Yug Tibrewal
    Fund Type	Open-ended

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 ₹22.4 L

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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)

12.61%

Equity Pension

16.14%

Global Equity Index Funds Strategy

17.8%

High Growth Fund

15.5%

Pension India Consumption Fund

20.59%

Multi Cap Fund

14.53%

Accelerator Mid-Cap Fund II

15.97%

Multiplier

14.37%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

10.83%

Equity II Fund

13.87%

US Equity Fund

14.72%

Growth Opportunities Plus Fund

11.61%

Equity Top 250 Fund

13.74%

Future Apex Fund

11.47%

Pension Dynamic Equity Fund

14.02%

Accelerator Fund

Why Should You Start Investing Today?

Starting your ₹20,000 SIP today can significantly improve your financial future. SIPs allow disciplined investment, provide flexibility, and reduce market risks through rupee cost averaging. Whether you aim for a secure retirement, business growth, or wealth creation, investing now maximizes your potential returns through the power of compounding. Don’t wait—start today to secure tomorrow!