50000 SIP for 5 Years

Investing ₹50,000 monthly in a Systematic Investment Plan (SIP) for 5 years can serve as a solid foundation for achieving your medium-term financial aspirations. With the benefits of compounding and rupee cost averaging, SIPs provide a structured and disciplined way to grow wealth while mitigating market fluctuations.

SIP Plan Benefits

Start SIP with as low as ₹1000

No hidden charges

Save upto ₹46,800 in Taxunder section 80C^{^}

Zero LTCG Tax^¶

Disciplined & worry-free investing

Best SIP Funds

Tax Saving Funds Large Cap Low Return Funds Mid Cap Mid Return Funds Multi Cap Debt Funds Shariah Funds Balanced Funds

Payment Mode

Invest

₹ 10,000

Invest for

High Growth Fund

AUM (Cr)

₹9,223

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 27.23 21.07 18.4 %

View Fund

Instant tax receipt

Virtue II

AUM (Cr)

₹3,137

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24 16.86 15.03 %

View Fund

Instant tax receipt

Opportunities Fund

AUM (Cr)

₹35,672

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 25.77 14.87 14.81 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,660

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.53 16.73 14.72 %

View Fund

Instant tax receipt

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,410

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.23 12.8 14.57 %

View Fund

Instant tax receipt

Frontline Equity Fund

AUM (Cr)

₹4,206

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.16 15.33 14.24 %

View Fund

Instant tax receipt

Diversified Equity Fund

AUM (Cr)

₹3,524

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.56 13.64 14.17 %

View Fund

Instant tax receipt

Grow Money Plus Fund

AUM (Cr)

₹434

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.48 14.07 14 %

View Fund

Instant tax receipt

Accelerator Fund

AUM (Cr)

₹227

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 22.62 15.31 13.35 %

View Fund

Instant tax receipt

Pure Equity

AUM (Cr)

₹2,724

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.16 13.49 13.34 %

View Fund

Instant tax receipt

Virtue II

AUM (Cr)

₹3,137

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24 16.86 15.03 %

View Fund

Large Cap Equity Fund

AUM (Cr)

₹2,660

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.53 16.73 14.72 %

View Fund

Frontline Equity Fund

AUM (Cr)

₹4,206

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.16 15.33 14.24 %

View Fund

Diversified Equity Fund

AUM (Cr)

₹3,524

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.56 13.64 14.17 %

View Fund

Grow Money Plus Fund

AUM (Cr)

₹434

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.48 14.07 14 %

View Fund

Accelerator Fund

AUM (Cr)

₹227

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 22.62 15.31 13.35 %

View Fund

Pure Equity

AUM (Cr)

₹2,724

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.16 13.49 13.34 %

View Fund

Future Apex Fund

AUM (Cr)

₹95

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.34 15.45 13.31 %

View Fund

Pure Stock Fund

AUM (Cr)

₹6,953

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.48 13.87 13.31 %

View Fund

Growth Super Fund

AUM (Cr)

₹13,305

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.94 13.53 12.79 %

View Fund

High Growth Fund

AUM (Cr)

₹9,223

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 27.23 21.07 18.4 %

View Fund

Opportunities Fund

AUM (Cr)

₹35,672

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 25.77 14.87 14.81 %

View Fund

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,410

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 24.23 12.8 14.57 %

View Fund

Top 200 Fund

AUM (Cr)

₹2,188

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 30.99 21.69 17.46 %

View Fund

Growth Opportunities Plus Fund

AUM (Cr)

₹969

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 23.03 15.02 14.61 %

View Fund

Classic Opportunities Fund

AUM (Cr)

₹13,357

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.79 13.71 13.06 %

View Fund

Flexi Cap

AUM (Cr)

₹1,178

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.81 13.34 12.33 %

View Fund

Opportunities Fund

AUM (Cr)

₹3,245

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 22.68 13.38 12.32 %

View Fund

Equity Top 250 Fund

AUM (Cr)

₹535

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.87 12.12 11.48 %

View Fund

Whole Life Income Fund

AUM (Cr)

₹872

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.5 8.23 8.05 %

View Fund

Debt Fund

AUM (Cr)

₹498

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.44 8.29 7.84 %

View Fund

Conservative Fund

AUM (Cr)

₹236

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 7.9 8.23 7.78 %

View Fund

Income Advantage

AUM (Cr)

₹992

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.37 8.08 7.77 %

View Fund

Individual Preserver Pension Fund

AUM (Cr)

₹126

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.07 7.79 7.66 %

View Fund

Dynamic Gilt Fund

AUM (Cr)

₹209

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.59 7.8 7.57 %

View Fund

Steady Money Fund

AUM (Cr)

₹71

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.89 7.53 7.49 %

View Fund

Debt Fund

AUM (Cr)

₹97

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.08 7.77 7.44 %

View Fund

Income Fund

AUM (Cr)

₹8,125

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.66 7.36 7.37 %

View Fund

Bond Fund

AUM (Cr)

₹20,041

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.05 7.51 7.33 %

View Fund

Whole Life Aggressive Growth Fund

AUM (Cr)

₹849

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 22.67 16.46 15.31 %

View Fund

Balanced Fund

AUM (Cr)

₹367

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.23 11.44 10.81 %

View Fund

Save N Grow Money Fund

AUM (Cr)

₹63

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12 9.99 10.06 %

View Fund

Creator

AUM (Cr)

₹500

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.5 10.37 10.04 %

View Fund

Balanced Fund

AUM (Cr)

₹5,909

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.35 10.33 10.02 %

View Fund

Balancer II

AUM (Cr)

₹858

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.1 10.51 9.91 %

View Fund

Growth Fund

AUM (Cr)

₹8,010

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.56 10.6 9.89 %

View Fund

Asset Allocation Fund II

AUM (Cr)

₹297

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.69 9.76 9.68 %

View Fund

Multi Cap Balanced Fund

AUM (Cr)

₹2,007

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.34 9.59 9.55 %

View Fund

Stable Fund

AUM (Cr)

₹19

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.39 10.11 9.51 %

View Fund

Super Select Equity Fund

AUM (Cr)

₹1,239

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.56 13.25 13.96 %

View Fund

Pure Stock Fund

AUM (Cr)

₹6,953

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.5 13.72 13.68 %

View Fund

Pure Equity

AUM (Cr)

₹2,724

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.62 13.47 13.63 %

View Fund

How Your ₹50,000 Investment Grows

The potential growth of your ₹50,000 monthly SIP depends on various factors, including the type of fund, market conditions, and investment duration. Let’s examine how this investment option could perform across different fund categories based on assumed historical returns:

Large-Cap Funds:

Scenario: A risk-averse investor seeking steady and predictable growth.
Monthly SIP Amount: ₹50,000
Investment Period: 5 years
Fund Type: Large-Cap
Annualized Returns: 10% CAGR (Assumed)
Outcome: In 5 years, the investment could grow to approximately ₹38.6 lakhs. This corpus can be a stepping stone towards securing your child’s education or building a financial cushion.

Mid-Cap Funds:

Scenario: An investor in their 30s balancing growth potential and moderate risk.
Monthly SIP Amount: ₹50,000
Investment Period: 5 years
Fund Type: Mid-Cap
Annualized Returns: 12% CAGR (Assumed)
Outcome: In 5 years, the investment could grow to approximately ₹40.6 lakhs. This amount can be allocated for goals like purchasing a car or planning a dream vacation.

Small-Cap Funds:

Scenario: A younger investor with a higher risk appetite aiming for maximum returns.
Monthly SIP Amount: ₹50,000
Investment Period: 5 years
Fund Type: Small-Cap
Annualized Returns: 15% CAGR (Assumed)
Outcome: In 5 years, using SIP return calculator, the investment could grow to approximately ₹43.7 lakhs. This significant corpus can support ambitious goals, such as starting a business or making a down payment on a house.

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
High Growth Fund Max Life Rating	27.23%	21.07%	18.4% View Plan
Top 200 Fund Tata AIA Rating	30.99%	21.69%	17.46% View Plan
Accelerator Mid-Cap Fund II Bajaj Allianz Rating	24.23%	12.8%	14.57% View Plan
Opportunities Fund HDFC Standard Rating	25.77%	14.87%	14.81% View Plan
Growth Plus Fund Canara HSBC Oriental Bank Rating	17.51%	10.29%	10.58% View Plan
Growth Opportunities Plus Fund Bharti AXA Rating	23.03%	15.02%	14.61% View Plan
Multiplier Birla Sun Life Rating	26.67%	14.18%	15.6% View Plan
Opportunities Fund ICICI Prudential Rating	22.68%	13.38%	12.32% View Plan
Flexi Growth Fund LIC Rating	-	-	- View Plan
Virtue II PNB Metlife Rating	24%	16.86%	15.03% View Plan

Fund rating powered by

Last updated: May 2025

Compare more funds

Fund Name	3 Years	5 Years	10 Years
	Returns
Active Fund QUANT	23.92%	31.48%	21.87%
Flexi Cap Fund PARAG PARIKH	20.69%	26.41%	19.28%
Large and Mid-Cap Fund EDELWEISS	22.34%	24.29%	17.94%
Equity Opportunities Fund KOTAK	24.64%	25.01%	19.45%
Large and Midcap Fund MIRAE ASSET	19.74%	24.32%	22.50%
Flexi Cap Fund PGIM INDIA	14.75%	23.39%	-
Flexi Cap Fund DSP	18.41%	22.33%	16.91%
Emerging Equities Fund CANARA ROBECO	20.05%	21.80%	15.92%
Focused fund SUNDARAM	18.27%	18.22%	16.55%

Last updated: May 2025

Compare more funds

Buying the Dip Results in Higher Returns

Why Start Investing Today?

Power of Compounding: Starting early allows your money to grow exponentially over time.
Rupee Cost Averaging: Regular investments smooth out market volatility, ensuring you buy more units when prices are low.
Flexibility and Accessibility: SIPs offer the freedom to choose investment amounts and funds that align with your goals and risk appetite.

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

Years

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

Total Wealth ₹22.4 L

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

Years

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

Monthly Investment ₹22.4 L

View Plans

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

FAQs

Can I stop my SIP midway if needed?

Yes, SIPs are flexible, and you can stop or pause them anytime without incurring penalties. However, staying invested for the full tenure is recommended to maximise returns.
Which fund type is best for a 5-year investment horizon?

For a 5-year horizon, large-cap funds are generally considered safer due to their stability. Mid-cap and small-cap funds can offer higher returns but come with increased risk.
What happens if I miss a SIP installment?

Missing one or two installments does not result in penalties, but consistent investing is key to achieving your financial goals.
How do I choose the right SIP for my goals?

Consider factors like your risk tolerance, investment horizon, and financial objectives. Consulting with a financial advisor can also help tailor a plan suitable for your needs.
Are SIP returns guaranteed?

No, SIP returns are market-linked and depend on the performance of the chosen funds. Historical returns can provide an estimate but do not guarantee future performance.
Can I increase my SIP amount during the tenure?

Yes, many fund houses offer the option to top-up your SIP, allowing you to increase your investment amount as your income grows.