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 |
20.05% |
14.46% |
15.25% |
| ICICI Prudential Value Growth Fund |
Very High |
26.89% |
15.37% |
18.77% |
| LIC MF Infrastructure Fund |
Very High |
33.67% |
15.78% |
16.21% |
| Bandhan ELSS Tax Saver Fund |
Very High |
25.53% |
14.85% |
17.58% |
| HDFC Flexi Cap Fund |
Very High |
29.27% |
15.72% |
17.01% |
| Kotak Large Cap Fund Direct-Growth (Kotak Bluechip Fund) |
Very High |
20.52% |
13.43% |
15.01% |
*RSI: Returns Since Inception
**Returns updated as of August 2025.
- Insurance Companies
- Mutual Funds
|
Returns |
| Fund Name |
5 Years |
7 Years |
10 Years |
| Axis Max Life |
28.6% |
21.1% |
|
| Tata AIA Life |
26.52% |
21.28% |
|
| Bajaj Allianz |
20.49% |
12.87% |
|
| HDFC Life |
21.44% |
14.95% |
|
| ICICI Prudential Life |
20.5% |
- |
|
| Birla Sun Life |
22.25% |
14.81% |
|
| PNB MetLife |
20.48% |
16.44% |
|
| Canara HSBC Life |
16.68% |
10.38% |
|
| LIC India |
10.98% |
- |
|
| SBI Life |
16.86% |
12.02% |
|
Fund rating powered by
Last updated: Aug 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% |
|
Last updated: August 2025
SIP Calculator
Monthly Investment
₹22.4 L
Top Funds with High Returns (Past 7 Years)
17.8%
High Growth Fund
20.3%
India Consumption Fund
15.07%
Accelerator Mid-Cap Fund II
15.24%
Global Equity Index Funds Strategy
15.5%
Pension India Consumption Fund
15.75%
Multiplier
15.37%
Virtue II
10.86%
Equity II Fund
13.98%
Accelerator Fund
11.47%
Pension Dynamic Equity Fund
14.4%
Frontline Equity Fund
12.58%
Equity Pension
11.75%
Equity Top 250 Fund
14.87%
Growth Opportunities Plus Fund
13.72%
Future Apex Fund
13.87%
US 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): ₹72.35
-
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): ₹510.91
-
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): ₹56.44
-
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 up to 20% in debt & money market instruments.
-
Benchmark: BSE 500 Total Return Index
-
Launch Date: 20 December 1999
-
NAV (as of 25 June 2025): ₹172.04
-
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): ₹2,147.89
-
Fund Managers: Arjun Khanna and Nalin Rasik Bhatt
-
Kotak Large Cap Fund Direct-Growth (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): ₹650.88
-
Fund Managers: Rohit Tandon
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.
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.
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.
