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:
| Fund Name |
Risk Category |
5 Years |
10 Years |
RSI* |
| Canara Robeco Large Cap Fund Direct-Growth (Canara Robeco Bluechip Equity Fund) |
Very High |
22.03% |
15.18% |
15.52% |
| ICICI Prudential Value Growth Fund |
Very High |
29.24% |
16% |
19.04% |
| LIC MF Infrastructure Fund |
Very High |
35.13% |
16.49% |
16.52% |
| Bandhan ELSS Tax Saver Fund |
Very High |
27.89% |
15.41% |
17.90% |
| HDFC Flexi Cap Fund |
Very High |
30.46% |
16.4% |
17.26% |
| Kotak Bluechip Fund |
Very High |
22.84% |
14.13% |
15.28% |
*RSI: Returns Since Inception
**Returns updated as of June 2025.
- Insurance Companies
- Mutual Funds
|
Returns |
| Fund Name |
5 Years |
7 Years |
10 Years |
| Axis Max Life |
32.5% |
21.1% |
|
| Tata AIA Life |
30.5% |
21% |
|
| Bajaj Allianz |
20.31% |
12.55% |
|
| HDFC Life |
21.86% |
14.52% |
|
| ICICI Prudential Life |
20.04% |
13.02% |
|
| Birla Sun Life |
22.22% |
14.26% |
|
| PNB MetLife |
20.67% |
16.05% |
|
| Canara HSBC Life |
16.71% |
9.74% |
|
| LIC India |
10.54% |
- |
|
| SBI Life |
16.93% |
11.67% |
|
Fund rating powered by
Last updated: Jul 2025
| |
Returns |
| Fund Name |
3 Years |
5 Years |
10 Years |
| QUANT |
23.92% |
31.48% |
|
| PARAG PARIKH |
20.69% |
26.41% |
|
| EDELWEISS |
22.34% |
24.29% |
|
| KOTAK |
24.64% |
25.01% |
|
| MIRAE ASSET |
19.74% |
24.32% |
|
| PGIM INDIA |
14.75% |
23.39% |
|
| DSP |
18.41% |
22.33% |
|
| CANARA ROBECO |
20.05% |
21.80% |
|
| SUNDARAM |
18.27% |
18.22% |
|
SIP Calculator
Monthly Investment
₹22.4 L
Top Funds with High Returns (Past 7 Years)
18.6%
High Growth Fund
18.2%
Top 200 Fund
14.34%
Accelerator Mid-Cap Fund II
13.93%
Opportunities Fund
12.28%
Opportunities Fund
15.07%
Multiplier
14.47%
Virtue II
10.1%
Equity II Fund
13.2%
Accelerator Fund
10.7%
Pension Dynamic Equity Fund
13.65%
Frontline Equity Fund
11.81%
Equity Pension
11.06%
Equity Top 250 Fund
14.06%
Growth Opportunities Plus Fund
12.95%
Future Apex Fund
9.97%
Blue-Chip Equity Fund
Details of the Mutual Fund-Based Best SIP Plans for 20 Years in India
-
Canara Robeco Large Cap Fund Direct-Growth (Canara Robeco Bluechip Equity Fund)
Features of Canara Robeco Large Cap Fund Direct-Growth:
-
Investment Objective: The scheme seeks to generate capital appreciation from a portfolio of predominantly equity and equity related securities falling under the category of large Cap companies.
-
Benchmark: Nifty Midcap 150 Index
-
Launch Date: 29 December 2009
-
NAV (as of 25 June 2025): ₹659.14
-
Fund Managers: Ajay Khandelwal and Santosh Singh
-
ICICI Prudential Value Direct Growth
Features of ICICI Prudential Value Direct Growth:
-
Investment Objective: The scheme seeks to generate returns through a combination of dividend income and capital appreciation by investing primarily in a well-diversified portfolio of value stocks.
-
Benchmark: NIFTY 500 Total Return Index
-
Launch Date: 12 October 1993
-
NAV (as of 13 January 2025): ₹515.71
-
Fund Managers: Ashwini Shinde
-
LIC MF Infrastructure Fund
Features of LIC MF Infrastructure Fund:
-
Investment Objective: The scheme aims to invest in equity/equity related securities of the companies which are engaged either directly or indirectly in the infrastructure sector.
-
Benchmark: NIFTY Infrastructure Total Return Index
-
Launch Date: 20 April 1994
-
NAV (as of 13 January 2025): ₹57.42
-
Fund Managers: Mahesh Bendre
-
Bandhan ELSS Tax Saver Fund
Features of Bandhan ELSS Tax Saver Fund:
-
Investment Objective: The scheme seeks to build a diversified portfolio comprising stocks of companies with strong fundamentals that are available at reasonable valuations. The scheme can be fully into equities (and equity-related securities) and upto 20% in debt & money market instruments.
-
Benchmark: BSE 500 Total Return Index
-
Launch Date: 20 December 1999
-
NAV (as of 25 June 2025): ₹174.84
-
Fund Managers: Gaurav Satra
-
HDFC Flexi Cap Fund
Features of HDFC Flexi Cap Fund:
-
Investment Objective: The fund aims to provide long-term capital growth by investing in companies expected to benefit from infrastructure development and economic reforms in India.
-
Benchmark: NIFTY 500 Total Return Index
-
Launch Date: 10 Dec 1999
-
NAV (as of 25 June 2025): ₹2,168.57
-
Fund Managers: Arjun Khanna and Nalin Rasik Bhatt
-
Kotak Bluechip Fund
Features of Kotak Bluechip Fund:
-
Investment Objective: The scheme seeks to generate capital appreciation from a portfolio of predominantly equity and equity related securities falling under the category of large Cap companies.
-
Benchmark: NIFTY 100 Total Return Index
-
Launch Date: 05 Aug 1994
-
NAV (as of 25 June 2025): ₹659.14
-
Fund Managers: Rohit Tandon
How to Invest in 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.
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.
