20000 SIP for 20 years

Mohit Saxena, a 46 year old Surgeon from Moradabad, is exploring large cap funds through a Systematic Investment Plan (SIP). By investing ₹20000 per month over 20 years , Mohit Saxena aims to leverage the power of compounding. With an estimated annual return of around 12%, Mohit Saxena's monthly SIP could accumulate a total corpus of approximately ₹1.84 Cr over 20 years . If he invests yearly for 20 years , this amounts to a corpus of about ₹1.94 Cr, while a one-time lump sum investment for the same period could potentially grow to ₹4.63 Cr . 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 20000 SIP for 20 years

  • Monthly Investment: ₹20000

  • Duration: 20 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: ₹20000

    • Duration: 20 years

    • Expected Annual Rate of Return: 16%

    • Fund Type: Small Cap

    • Total Investment: ₹48 L

    • Total Returns: ₹2.52 Cr

    • Total Corpus: ₹3 Cr

  2. Yearly SIP:

    If you invest 2.4 L yearly for 20 years , you will get:

    • Yearly Investment: ₹2.4 L

    • Duration: 20 years

    • Expected Annual Rate of Return: 16%

    • Fund Type: Small Cap

    • Total Investment: ₹48 L

    • Total Returns: ₹2.73 Cr

    • Total Corpus: ₹3.21 Cr

  3. Lumpsum Investment:

    • Lumpsum Investment = ₹48 L

    • Duration: 20 years

    • Expected Annual Rate of Return: 16%

    • Fund Type: Small Cap

    • Total Investment: ₹48 L

    • Total Returns: ₹8.86 Cr

    • Total Corpus: ₹9.34 Cr

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
% Annually
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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
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Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
% Annually
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Monthly Investment ₹22.4 L
View Plans
Top Funds with High Returns (Past 7 Years)
Equity Pension
12.37%
Equity Pension
Global Equity Index Funds Strategy
16.14%
Global Equity Index Funds Strategy
High Growth Fund
17.8%
High Growth Fund
Pension India Consumption Fund
15.5%
Pension India Consumption Fund
Multi Cap Fund
20.54%
Multi Cap Fund
Accelerator Mid-Cap Fund II
14.41%
Accelerator Mid-Cap Fund II
Multiplier
15.55%
Multiplier
Frontline Equity Fund
14.15%
Frontline Equity Fund
Pension Mid Cap Fund
18.41%
Pension Mid Cap Fund
Equity II Fund
10.67%
Equity II Fund
US Equity Fund
13.87%
US Equity Fund
Growth Opportunities Plus Fund
14.45%
Growth Opportunities Plus Fund
Equity Top 250 Fund
11.44%
Equity Top 250 Fund
Future Apex Fund
13.42%
Future Apex Fund
Pension Dynamic Equity Fund
11.27%
Pension Dynamic Equity Fund
Accelerator Fund
13.76%
Accelerator Fund

Mid-Cap Investment (14% Annual Return)

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

  1. Monthly SIP:

    • Monthly Investment: ₹20000

    • Duration: 20 years

    • Expected Annual Rate of Return: 14%

    • Fund Type: Mid Cap

    • Total Investment: ₹48 L

    • Total Returns: ₹1.87 Cr

    • Total Corpus: ₹2.35 Cr

  2. Yearly SIP:

    If you invest 2.4 L lumpsum for 20 years , you will get:

    • Yearly Investment: ₹2.4 L

    • Duration: 20 years

    • Expected Annual Rate of Return: 14%

    • Fund Type: Mid Cap

    • Total Investment: ₹48 L

    • Total Returns: ₹2.01 Cr

    • Total Corpus: ₹2.49 Cr

  3. Lumpsum Investment:

    • Total Investment = ₹48 L

    • Duration: 20 years

    • Expected Annual Rate of Return: 14%

    • Fund Type: Mid Cap

    • Total Investment: ₹48 L

    • Total Returns: ₹6.12 Cr

    • Total Corpus: ₹6.6 Cr

Best SIP Funds

Tax Saving FundsLarge Cap Low Return FundsMid Cap Mid Return FundsMulti CapDebt FundsShariah FundsBalanced Funds
Payment Mode
Invest
₹ 10,000
Invest for
AUM (Cr)

₹10,929

NAV

₹119.53

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 29.3 22.69 17.8 %

View Fund
Instant tax receipt
AUM (Cr)

₹2,606

NAV

₹74.67

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.7 18.17 16 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,292

NAV

₹71.9

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.68 17.88 14.97 %

View Fund
Instant tax receipt
AUM (Cr)

₹5,476

NAV

₹82.88

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.87 14.8 14.41 %

View Fund
Instant tax receipt
AUM (Cr)

₹35,507

NAV

₹78.05

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.86 16.91 14.39 %

View Fund
Instant tax receipt
AUM (Cr)

₹426

NAV

₹70.91

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.71 15.85 14.24 %

View Fund
Instant tax receipt
AUM (Cr)

₹4,466

NAV

₹71.02

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.47 17.09 14.15 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,538

NAV

₹42.76

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.55 15.04 13.95 %

View Fund
Instant tax receipt
AUM (Cr)

₹232

NAV

₹51.65

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.26 17.01 13.76 %

View Fund
Instant tax receipt
AUM (Cr)

₹7,238

NAV

₹156.64

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.49 15.03 13.46 %

View Fund
Instant tax receipt
AUM (Cr)

₹2,606

NAV

₹74.67

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.7 18.17 16 %

View Fund
AUM (Cr)

₹3,292

NAV

₹71.9

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.68 17.88 14.97 %

View Fund
AUM (Cr)

₹426

NAV

₹70.91

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.71 15.85 14.24 %

View Fund
AUM (Cr)

₹4,466

NAV

₹71.02

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.47 17.09 14.15 %

View Fund
AUM (Cr)

₹3,538

NAV

₹42.76

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.55 15.04 13.95 %

View Fund
AUM (Cr)

₹232

NAV

₹51.65

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.26 17.01 13.76 %

View Fund
AUM (Cr)

₹7,238

NAV

₹156.64

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.49 15.03 13.46 %

View Fund
AUM (Cr)

₹108

NAV

₹57.75

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.57 16.75 13.42 %

View Fund
AUM (Cr)

₹2,922

NAV

₹69.42

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 16.89 14.81 13.01 %

View Fund
AUM (Cr)

₹12,581

NAV

₹84.94

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.38 14.71 12.97 %

View Fund
AUM (Cr)

₹10,929

NAV

₹119.53

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 29.3 22.69 17.8 %

View Fund
AUM (Cr)

₹5,476

NAV

₹82.88

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.87 14.8 14.41 %

View Fund
AUM (Cr)

₹35,507

NAV

₹78.05

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.86 16.91 14.39 %

View Fund
AUM (Cr)

₹8,754

NAV

₹65.63

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 26 23.28 20.54 %

View Fund
AUM (Cr)

₹9

NAV

₹10.67

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.5 15.5 %

View Fund
AUM (Cr)

₹1,006

NAV

₹75.04

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.71 16.66 14.45 %

View Fund
AUM (Cr)

₹13,497

NAV

₹71.23

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 18.7 15.82 13.18 %

View Fund
AUM (Cr)

₹1,104

NAV

₹55.41

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.12 14.98 12.41 %

View Fund
AUM (Cr)

₹523

NAV

₹59.29

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.07 14.25 11.44 %

View Fund
AUM (Cr)

₹264

NAV

₹28.97

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 10.39 11.37 10.8 %

View Fund
AUM (Cr)

₹823

NAV

₹41.16

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 6.16 7.92 7.61 %

View Fund
AUM (Cr)

₹480

NAV

₹38.75

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.79 8 7.43 %

View Fund
AUM (Cr)

₹122

NAV

₹29.75

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 6.01 7.07 7.15 %

View Fund
AUM (Cr)

₹76

NAV

₹41.44

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.65 7.41 7.14 %

View Fund
AUM (Cr)

₹189

NAV

₹47.53

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.15 7.36 7.03 %

View Fund
AUM (Cr)

₹91

NAV

₹39.31

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.58 7.47 6.95 %

View Fund
AUM (Cr)

₹18,605

NAV

₹50.34

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.57 7.32 6.95 %

View Fund
AUM (Cr)

₹7,201

NAV

₹32.57

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.14 7.07 6.93 %

View Fund
AUM (Cr)

₹1,043

NAV

₹47.27

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 6.13 7.34 6.92 %

View Fund
AUM (Cr)

₹883

NAV

₹100.92

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.68 17.63 15.29 %

View Fund
AUM (Cr)

₹354

NAV

₹48.96

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.37 12.26 10.56 %

View Fund
AUM (Cr)

₹64

NAV

₹61.54

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.07 10.72 10.06 %

View Fund
AUM (Cr)

₹5,437

NAV

₹40.77

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.46 11.31 9.98 %

View Fund
AUM (Cr)

₹478

NAV

₹105.08

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.2 10.97 9.97 %

View Fund
AUM (Cr)

₹22,111

NAV

₹74.51

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.16 10.93 9.92 %

View Fund
AUM (Cr)

₹278

NAV

₹32.29

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.28 10.74 9.88 %

View Fund
AUM (Cr)

₹821

NAV

₹40.13

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.36 11.17 9.76 %

View Fund
AUM (Cr)

₹7,378

NAV

₹112.42

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.93 11.09 9.74 %

View Fund
AUM (Cr)

₹1,915

NAV

₹44.42

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.94 10.93 9.57 %

View Fund
AUM (Cr)

₹1,295

NAV

₹80.69

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 18.13 15.46 13.56 %

View Fund
AUM (Cr)

₹7,238

NAV

₹156.64

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.49 15.03 13.46 %

View Fund
AUM (Cr)

₹2,922

NAV

₹69.42

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 16.89 14.81 13.01 %

View Fund
View More

Large Cap Investment (12% Annual Return)

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

  1. Monthly SIP:

    • Monthly: ₹20000

    • Duration: 20 years

    • Expected Annual Rate of Return: 12%

    • Fund Type: Large Cap

    • Investment: ₹48 L

    • Returns: ₹1.36 Cr

    • Total Corpus: ₹1.84 Cr

  2. Yearly SIP:

    If you invest 2.4 L lumpsum for 20 years , you will get:

    • Investment: ₹48 L

    • Duration: 20 years

    • Expected Annual Rate of Return: 12%

    • Fund Type: Large Cap

    • Total Investment: ₹48 L

    • Returns: ₹1.46 Cr

    • Total Corpus: ₹1.94 Cr

  3. Lumpsum Investment:

    • Total Investment = ₹48 L

    • Duration: 20 years

    • Expected Annual Rate of Return: 12%

    • Fund Type: Large Cap

    • Total Investment: ₹48 L

    • Total Returns: ₹4.15 Cr

    • Total Corpus: ₹4.63 Cr

  • Insurance Companies
  • Mutual Funds
Returns
Fund Name 5 Years 7 Years 10 Years
Top 300 Fund SBI Life
Rating
 15.54% 13.74%
12.25%
View Plan
Opportunities Fund HDFC Life
Rating
 21.86% 16.91%
14.39%
View Plan
High Growth Fund Axis Max Life
Rating
 29.3% 22.69%
17.8%
View Plan
Pension India Consumption Fund ICICI Prudential Life
Rating
 20.5% -
15.5%
View Plan
Multi Cap Fund Tata AIA Life
Rating
 26% 23.28%
20.54%
View Plan
Accelerator Mid-Cap Fund II Bajaj Life
Rating
 20.87% 14.8%
14.41%
View Plan
Multiplier Birla Sun Life
Rating
 22.98% 17.22%
15.55%
View Plan
Pension Mid Cap Fund PNB MetLife
Rating
 34.5% -
18.41%
View Plan
Equity II Fund Canara HSBC Life
Rating
 16.53% 12.68%
10.67%
View Plan
US Equity Fund Star Union Dai-ichi Life
Rating
 14.69% -
13.87%
View Plan
Fund rating powered by
Last updated: Sep 2025
Compare more funds

  Returns
Fund Name 3 Years 5 Years 10 Years
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: August 2025

Compare more funds

Calculate your SIP

Market Linked Insurance Plan vs Others Equity InvestmentsMarket Linked Insurance Plan vs Others Equity Investments

FAQs

  • What is the total amount I will invest in 20 years with a ₹20000 monthly SIP?

    If you will invest monthly 20000 sip for 20 years :

    Amount = 20000

    Investment Duration = 20 years

    Total corpus will be ₹20000 × 12 months × 20 years = ₹48 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 = ₹3 Cr

    Mid Cap Fund (14%): Final corpus = ₹2.35 Cr

    Large Cap Fund (12%): Final corpus = ₹1.84 Cr

    These examples show how even a small change in return percentage can make a big difference over 20 years .

  • How much profit will I actually make from a 20000 monthly SIP for 20 years ?

    Subtracting your total investment of ₹48 L:

    Small Cap: Profit ~₹3 Cr - ₹48 L = ₹2.52 Cr

    Mid Cap: Profit ~₹2.35 Cr - ₹48 L = ₹1.87 Cr

    Large Cap: Profit ~₹1.84 Cr - ₹48 L = ₹1.36 Cr

  • How much can I expect to earn if I invest ₹20000 per month for 20 years ?

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

    Small Cap (16%): ~₹3 Cr

    Mid Cap (14%): ~₹2.35 Cr

    Large Cap (12%): ~₹1.84 Cr

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

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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).

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Invest ₹10K/Month & Get ₹1 Crore# Tax-Free*
*under 10(10D)

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