50000 SIP for 20 years

Priya Dasgupta, a 35 year old Archaeologist from Kurnool, is exploring funds through a Systematic Investment Plan (SIP). By investing ₹50000 per month over 20 years , Priya Dasgupta aims to leverage the power of compounding. With an estimated annual return of around , Priya Dasgupta's monthly SIP could accumulate a total corpus of approximately ₹ over 20 years . If he invests yearly for 20 years , this amounts to a corpus of about ₹, while a one-time lump sum investment for the same period could potentially grow to ₹ . These figures highlight the growth opportunities available through disciplined SIP investing.

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

Example for 50000 SIP for 20 years

Monthly Investment: ₹50000
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:

Monthly SIP:
- Monthly Investment: ₹50000
- Duration: 20 years
- Expected Annual Rate of Return: 16%
- Fund Type: Small Cap
- Total Investment: ₹1.2 Cr
- Total Returns: ₹6.31 Cr
- Total Corpus: ₹7.51 Cr
Yearly SIP:

If you invest 6 L yearly for 20 years , you will get:
- Yearly Investment: ₹6 L
- Duration: 20 years
- Expected Annual Rate of Return: 16%
- Fund Type: Small Cap
- Total Investment: ₹1.2 Cr
- Total Returns: ₹6.83 Cr
- Total Corpus: ₹8.03 Cr
Lumpsum Investment:
- Lumpsum Investment = ₹1.2 Cr
- Duration: 20 years
- Expected Annual Rate of Return: 16%
- Fund Type: Small Cap
- Total Investment: ₹1.2 Cr
- Total Returns: ₹22.15 Cr
- Total Corpus: ₹23.35 Cr

Mid-Cap Investment (14% Annual Return)

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

Monthly SIP:
- Monthly Investment: ₹50000
- Duration: 20 years
- Expected Annual Rate of Return: 14%
- Fund Type: Mid Cap
- Total Investment: ₹1.2 Cr
- Total Returns: ₹4.67 Cr
- Total Corpus: ₹5.87 Cr
Yearly SIP:

If you invest 6 L lumpsum for 20 years , you will get:
- Yearly Investment: ₹6 L
- Duration: 20 years
- Expected Annual Rate of Return: 14%
- Fund Type: Mid Cap
- Total Investment: ₹1.2 Cr
- Total Returns: ₹5.03 Cr
- Total Corpus: ₹6.23 Cr
Lumpsum Investment:
- Total Investment = ₹1.2 Cr
- Duration: 20 years
- Expected Annual Rate of Return: 14%
- Fund Type: Mid Cap
- Total Investment: ₹1.2 Cr
- Total Returns: ₹15.29 Cr
- Total Corpus: ₹16.49 Cr

Large Cap Investment (12% Annual Return)

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

Monthly SIP:
- Monthly: ₹50000
- Duration: 20 years
- Expected Annual Rate of Return: 12%
- Fund Type: Large Cap
- Investment: ₹1.2 Cr
- Returns: ₹3.4 Cr
- Total Corpus: ₹4.6 Cr
Yearly SIP:

If you invest 6 L lumpsum for 20 years , you will get:
- Investment: ₹1.2 Cr
- Duration: 20 years
- Expected Annual Rate of Return: 12%
- Fund Type: Large Cap
- Total Investment: ₹1.2 Cr
- Returns: ₹3.64 Cr
- Total Corpus: ₹4.84 Cr
Lumpsum Investment:
- Total Investment = ₹1.2 Cr
- Duration: 20 years
- Expected Annual Rate of Return: 12%
- Fund Type: Large Cap
- Total Investment: ₹1.2 Cr
- Total Returns: ₹10.38 Cr
- Total Corpus: ₹11.58 Cr

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)

17.86%

High Growth Fund

17.65%

Top 200 Fund

13.7%

Accelerator Mid-Cap Fund II

14.29%

Opportunities Fund

9.16%

Equity II Fund

12.7%

Accelerator Fund

13.69%

Grow Money Plus Fund

14.94%

Multiplier

11.41%

Equity Top 250 Fund

12.58%

Future Apex Fund

11.87%

Opportunities Fund

13.91%

Frontline Equity Fund

15.2%

Virtue II

10.42%

Pension Dynamic Equity Fund

11.81%

Top 300 Fund

9.94%

Blue-Chip Equity Fund

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
High Growth Fund Max Life Rating	27.23%	19.49%	17.86% View Plan
Top 200 Fund Tata AIA Rating	31.71%	20.36%	17.65% View Plan
Accelerator Mid-Cap Fund II Bajaj Allianz Rating	24.9%	11.6%	13.7% View Plan
Opportunities Fund HDFC Standard Rating	26.28%	13.21%	14.29% View Plan
Equity II Fund Canara HSBC Oriental Bank Rating	21.15%	10.32%	9.16% View Plan
Grow Money Plus Fund Bharti AXA Rating	21.55%	13.76%	13.69% View Plan
Multiplier Birla Sun Life Rating	27.52%	12.37%	14.94% View Plan
Opportunities Fund ICICI Prudential Rating	24.05%	12.78%	11.87% View Plan
Flexi Growth Fund LIC Rating	-	-	- View Plan
Virtue II PNB Metlife Rating	23.2%	17.21%	15.2% View Plan

Fund rating powered by

Last updated: Apr 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: Mar 2025

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FAQs

What is the total amount I will invest in 20 years with a ₹50000 monthly SIP?

If you will invest monthly 50000 sip for 20 years :
Amount = 50000

Investment Duration = 20 years

Total corpus will be ₹50000 × 12 months × 20 years = ₹1.2 Cr

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 = ₹7.51 Cr

Mid Cap Fund (14%): Final corpus = ₹5.87 Cr

Large Cap Fund (12%): Final corpus = ₹4.6 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 50000 monthly SIP for 20 years ?

Subtracting your total investment of ₹1.2 Cr:
Small Cap: Profit ~₹7.51 Cr - ₹1.2 Cr = ₹6.31 Cr

Mid Cap: Profit ~₹5.87 Cr - ₹1.2 Cr = ₹4.67 Cr

Large Cap: Profit ~₹4.6 Cr - ₹1.2 Cr = ₹3.4 Cr
How much can I expect to earn if I invest ₹50000 per month for 20 years ?

The return depends on the type of fund and the expected annual return:
Small Cap (16%): ~₹7.51 Cr

Mid Cap (14%): ~₹5.87 Cr

Large Cap (12%): ~₹4.6 Cr

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