2000 SIP for 18 years

Ankit Kushwaha, a 30 year old SEO Manager from Delhi, is exploring small cap funds through a Systematic Investment Plan (SIP). By investing ₹2000 per month over 18 years , Ankit Kushwaha aims to leverage the power of compounding. With an estimated annual return of around 16%, Ankit Kushwaha's monthly SIP could accumulate a total corpus of approximately ₹21.9 L over 18 years . If he invests yearly for 18 years , this amounts to a corpus of about ₹23.42 L, while a one-time lump sum investment for the same period could potentially grow to ₹62.48 L . These figures highlight the growth opportunities available through disciplined SIP investing.

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SIP Plan Benefits
Start SIP with as low as ₹1000
Start SIP with as low as ₹1000
No hidden charges
No hidden charges
Save upto ₹46,800 in Tax
Save upto ₹46,800 in Taxunder section 80C^
Zero LTCG Tax
Zero LTCG Tax
Disciplined & worry-free investing
Disciplined & worry-free investing

Example for 2000 SIP for 18 years

  • Monthly Investment: ₹2000

  • Duration: 18 years

  • Investment Categories: Small Cap (16%), Mid Cap (14%), Large Cap (12%)

SIP Investment Breakdown by Fund Type

Small Cap Investment (16% Annual Return)

Using the SIP calculator and assuming return of 16% (annually). We will get:

  1. Monthly SIP:

    • Monthly Investment: ₹2000

    • Duration: 18 years

    • Expected Annual Rate of Return: 16%

    • Fund Type: Small Cap

    • Total Investment: ₹4.32 L

    • Total Returns: ₹17.58 L

    • Total Corpus: ₹21.9 L

  2. Yearly SIP:

    If you invest 24 K yearly for 18 years , you will get:

    • Yearly Investment: ₹24 K

    • Duration: 18 years

    • Expected Annual Rate of Return: 16%

    • Fund Type: Small Cap

    • Total Investment: ₹4.32 L

    • Total Returns: ₹19.1 L

    • Total Corpus: ₹23.42 L

  3. Lumpsum Investment:

    • Lumpsum Investment = ₹4.32 L

    • Duration: 18 years

    • Expected Annual Rate of Return: 16%

    • Fund Type: Small Cap

    • Total Investment: ₹4.32 L

    • Total Returns: ₹58.16 L

    • Total Corpus: ₹62.48 L

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
Start Investing
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
Start Investing

Mid-Cap Investment (14% Annual Return)

Using the SIP calculator and assuming return of 14% (annually). We will get:

  1. Monthly SIP:

    • Monthly Investment: ₹2000

    • Duration: 18 years

    • Expected Annual Rate of Return: 14%

    • Fund Type: Mid Cap

    • Total Investment: ₹4.32 L

    • Total Returns: ₹13.31 L

    • Total Corpus: ₹17.63 L

  2. Yearly SIP:

    If you invest 24 K lumpsum for 18 years , you will get:

    • Yearly Investment: ₹24 K

    • Duration: 18 years

    • Expected Annual Rate of Return: 14%

    • Fund Type: Mid Cap

    • Total Investment: ₹4.32 L

    • Total Returns: ₹14.39 L

    • Total Corpus: ₹18.71 L

  3. Lumpsum Investment:

    • Total Investment = ₹4.32 L

    • Duration: 18 years

    • Expected Annual Rate of Return: 14%

    • Fund Type: Mid Cap

    • Total Investment: ₹4.32 L

    • Total Returns: ₹41.36 L

    • Total Corpus: ₹45.68 L

Large Cap Investment (12% Annual Return)

Using the SIP calculator and assuming return of 12% (annually). We will get:

  1. Monthly SIP:

    • Monthly: ₹2000

    • Duration: 18 years

    • Expected Annual Rate of Return: 12%

    • Fund Type: Large Cap

    • Investment: ₹4.32 L

    • Returns: ₹9.91 L

    • Total Corpus: ₹14.23 L

  2. Yearly SIP:

    If you invest 24 K lumpsum for 18 years , you will get:

    • Investment: ₹4.32 L

    • Duration: 18 years

    • Expected Annual Rate of Return: 12%

    • Fund Type: Large Cap

    • Total Investment: ₹4.32 L

    • Returns: ₹10.67 L

    • Total Corpus: ₹14.99 L

  3. Lumpsum Investment:

    • Total Investment = ₹4.32 L

    • Duration: 18 years

    • Expected Annual Rate of Return: 12%

    • Fund Type: Large Cap

    • Total Investment: ₹4.32 L

    • Total Returns: ₹28.9 L

    • Total Corpus: ₹33.22 L

Calculate your SIP

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FAQs

  • What is the total amount I will invest in 18 years with a ₹2000 monthly SIP?

    If you will invest monthly 2000 sip for 18 years :

    Amount = 2000

    Investment Duration = 18 years

    Total corpus will be ₹2000 × 12 months × 18 years = ₹4.32 L

    The magic happens through compounding and long-term growth, turning this into much higher values depending on the fund type and returns.

  • How does the final corpus differ between small cap, mid cap, and large cap funds?

    Assuming average returns:

    Small Cap Fund (16%): Final corpus = ₹21.9 L

    Mid Cap Fund (14%): Final corpus = ₹17.63 L

    Large Cap Fund (12%): Final corpus = ₹14.23 L

    These examples show how even a small change in return percentage can make a big difference over 18 years .

  • How much profit will I actually make from a 2000 monthly SIP for 18 years ?

    Subtracting your total investment of ₹4.32 L:

    Small Cap: Profit ~₹21.9 L - ₹4.32 L = ₹17.58 L

    Mid Cap: Profit ~₹17.63 L - ₹4.32 L = ₹13.31 L

    Large Cap: Profit ~₹14.23 L - ₹4.32 L = ₹9.91 L

  • How much can I expect to earn if I invest ₹2000 per month for 18 years ?

    The return depends on the type of fund and the expected annual return:

    Small Cap (16%): ~₹21.9 L

    Mid Cap (14%): ~₹17.63 L

    Large Cap (12%): ~₹14.23 L

    These are estimates and actual returns can vary based on market conditions.

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