Best SIP Plan for 20 Years in India in 2025

Best SIP Plan for 20 Years in India

The list of the best SIP plan for 20 years offered by various insurance companies and mutual fund houses are mentioned in the table below: 

Best SIP Plan - Mutual Funds

Mutual fund houses offer a wide variety of SIP plans for a 20-year period across various categories of mutual fund schemes. Some of them are mentioned below:

Details of the Mutual Fund-Based Best SIP Plans for 20 Years in India

1. Canara Robeco Large Cap Fund Regular-Growth

   Parameters	Details
   Fund Name	Canara Robeco Large Cap Fund Regular-Growth
   NAV	₹ 65.07 (as on 28th October, 2025)
   AUM	₹16,406.92 Crs
   Expense Ratio	1.64%
   Return 5 Years	17.34%
   Return 10 Years	13.87%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	20th August, 2010
   Asset Allocation	Equity: 97.02%, Others: 2.98%
   Top Sectors	Real Estate Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	HDFC Bank Ltd ICICI Bank Ltd Reliance Industries Ltd Infosys Ltd Repo Bharti Airtel Ltd Larsen & Toubro Ltd State Bank of India Mahindra & Mahindra Ltd Bajaj Finance Ltd
   Fund Managers	Vishal Mishra Shridatta Bhandwaldar
   Fund Type	Open-ended

2. ICICI Prudential Value Direct-Growth

   Parameters	Details
   Fund Name	ICICI Prudential Value Direct-Growth
   NAV	₹ 533.86 (as on 25th October, 2025)
   AUM	₹53,715.52 Crs
   Expense Ratio	0.99%
   Return 5 Years	26.61%
   Return 10 Years	16.18%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
   Risk Level	Principal at very high risk
   Launch Date	NA
   Asset Allocation	Equity: 92.76%, Debt: 2.53%, Others: 4.71%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Reliance Industries Ltd ICICI Bank Ltd Infosys Ltd HDFC Bank Ltd Tata Consultancy Services Ltd Axis Bank Ltd Sun Pharmaceutical Industries Ltd State Bank of India Repo Larsen & Toubro Ltd
   Fund Managers	Sankaran Naren Dharmesh Kakkad Sharmila D'Silva Masoomi Jhurmarvala
   Fund Type	Open-ended

3. LIC MF Infrastructure Fund Direct-Growth

   Parameters	Details
   Fund Name	LIC MF Infrastructure Fund Direct-Growth
   NAV	₹ 57.92 (as on 28th October, 2025)
   AUM	₹1,038.27 Crs
   Expense Ratio	0.82%
   Return 5 Years	32.95%
   Return 10 Years	17.23%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	2nd January, 2013
   Asset Allocation	Equity: 96.23%, Others: 3.77%
   Top Sectors	Consumer Discretionary Industrials Diversified Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	Repo Shakti Pumps (India) Ltd Larsen & Toubro Ltd REC Ltd AFCONS INFRASTRUCTURE LIMITED EQ Apollo Hospitals Enterprise Ltd Garware Hi-Tech Films Ltd Schneider Electric Infrastructure Ltd Avalon Technologies Ltd. Tata Power Company Ltd
   Fund Managers	Mahesh Bendre Yogesh Patil
   Fund Type	Open-ended

4. Bandhan ELSS Tax Saver Fund Regular-Growth

   Parameters	Details
   Fund Name	Bandhan ELSS Tax Saver Fund Regular-Growth
   NAV	₹ 156.92 (as on 28th October, 2025)
   AUM	₹6,973.73 Crs
   Expense Ratio	1.75%
   Return 5 Years	22.74%
   Return 10 Years	14.85%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹500
   Risk Level	Principal at very high risk
   Launch Date	26th December, 2008
   Asset Allocation	Equity: 95.82%, Debt: 0.03%, Others: 4.15%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	HDFC Bank Ltd Reliance Industries Ltd ICICI Bank Ltd Reverse Repo Kotak Mahindra Bank Ltd Tata Consultancy Services Ltd Axis Bank Ltd State Bank of India Infosys Ltd Hero Motocorp Ltd
   Fund Managers	Daylynn Gerard Paul Pinto Ritika Behera Gaurav Satra
   Fund Type	Open-ended

   

5. HDFC Flexi Cap Fund Regular-Growth

   Parameters	Details
   Fund Name	HDFC Flexi Cap Fund Regular-Growth
   NAV	₹ 2,080.22 (as on 28th October, 2025)
   AUM	₹80,642.30 Crs
   Expense Ratio	1.37%
   Return 5 Years	28.76%
   Return 10 Years	16.17%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	1st January, 1995
   Asset Allocation	Equity: 87.98%, Debt: 0.6%, Others: 8.6%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	ICICI Bank Ltd HDFC Bank Ltd Repo Axis Bank Ltd SBI Life Insurance Company Ltd State Bank of India Kotak Mahindra Bank Ltd Maruti Suzuki India Ltd Cipla Ltd HCL Technologies Ltd
   Fund Managers	Roshi Jain Dhruv Muchhal
   Fund Type	Open-ended

6. Kotak Large Cap Fund Regular-Growth

   Parameters	Details
   Fund Name	Kotak Large Cap Fund Regular-Growth
   NAV	₹ 592.96 (as on 28th October, 2025)
   AUM	₹10,342.14 Crs
   Expense Ratio	1.73%
   Return 5 Years	17.67%
   Return 10 Years	12.82%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	NA
   Asset Allocation	Equity: 96.64%, Debt: 1.26%, Others: 2.1%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	HDFC Bank Ltd ICICI Bank Ltd Reliance Industries Ltd Repo Infosys Ltd Larsen & Toubro Ltd Bharti Airtel Ltd State Bank of India Mahindra & Mahindra Ltd Axis Bank Ltd
   Fund Managers	NA
   Fund Type	Open-ended

How Does the Best SIP Plan for 20 Years Work?

• Regular Investing: You commit to invest a fixed amount at regular intervals (say, ₹5,000 every month) for a set period (20 years).

• Power of Compounding: Your returns earn returns themselves, leading to exponential growth over long periods because of the power of compounding.

• Rupee Cost Averaging: Since markets fluctuate, you buy more units when the price is low and fewer when it’s high, averaging out your purchase cost.

• Long-Term Wealth Creation: Due to the long investment horizon, SIPs help ride out market ups and downs and benefit from overall market growth.

Example: SIP of ₹5,000 Per Month for 20 Years

Let’s illustrate with an example:

• Monthly SIP Amount: ₹5,000

• Duration: 20 years (240 months)

• Assumed Average Annual Return: 12%

Using the SIP calculator, the total amount that you can accumulate will be around ₹46 lakh after 20 years for an assumed return of 12% per annum.

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

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

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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

View Plans

Top Funds with High Returns (Past 7 Years)

12.5%

Equity Pension

16.14%

Global Equity Index Funds Strategy

17.8%

High Growth Fund

15.5%

Pension India Consumption Fund

20.6%

Multi Cap Fund

14.47%

Accelerator Mid-Cap Fund II

15.69%

Multiplier

14.25%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

10.77%

Equity II Fund

13.87%

US Equity Fund

14.57%

Growth Opportunities Plus Fund

11.51%

Equity Top 250 Fund

13.6%

Future Apex Fund

11.3%

Pension Dynamic Equity Fund

13.89%

Accelerator Fund

Steps to Start a 20 Year SIP

Follow the steps mentioned below to start investing in the best SIP plan for 20 years to achieve maximum returns with minimum investment:

Step 1: Learn about the best SIP plan for 20 years from the table mentioned above and choose one that aligns with your financial goals and risk profile.

Step 2: Decide the frequency and amount of your investments.

Step 3: Complete your KYC and provide bank account details with auto-debit facility activation.

Step 4: The SIP amount will be allocated to the chosen ULIP fund or mutual fund scheme based on your investment preference.

Step 5: The fund manager will invest the accumulated amount in various assets, such as stocks, bonds, or a combination of both, based on the investment objective of the scheme.

Step 6: On the specified date, the amount deducted from your bank account is utilized to purchase units of the mutual fund scheme at the prevailing NAV.

Step 7: You have the flexibility to increase, decrease, or stop your SIP contributions at any time.

Step 8: Use a SIP calculator to get an idea of returns from the selected best SIP plan for 20 years.

Importance of Long-Term Investments in India 

Below are the reasons why you should invest for long term:

• Power of Compounding: Over 20 years, SIPs grow your money by earning returns on both your investment and past returns.

• Rupee Cost Averaging: SIPs reduce risk by buying more units when prices are low and fewer units when prices are high.

• Disciplined Investing: SIPs help you invest regularly and stay consistent, even during market ups and downs.

• Low Initial Investment: You can start a SIP with just ₹500 per month and build wealth over time.

• Wealth Creation: SIPs help you achieve big financial goals like retirement, children’s education, or buying a house.

• Flexibility: SIPs give you the option to increase, decrease, or stop investments whenever needed.

• Tax Efficiency: SIPs in ULIP and ELSS funds help you save tax under Section 80C and ULIPs offer tax-free gains under Section 10(10D).

• No Need to Time the Market: With SIPs, you don’t have to worry about market timing as you invest systematically over the years.

Wrapping Up!

The best SIP plan for a 20 years or longer investment horizon, follows the investment strategy to emphasize long-term growth through a well-diversified portfolio of equity and debt instruments. Investors should prioritize SIP plans offered by reputable asset management companies with a proven track record of consistent returns and effective fund management teams.