Best SIP Plan for 20 Years in India in 2026

A 20-year SIP is like a long-term savings habit that quietly builds your future. Instead of worrying about market ups and downs, you just invest a fixed amount every month and stay consistent. Over two decades, compounding does most of the hard work, helping you create a solid fund for goals like retirement, your child’s education, or a dream home.

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

Best SIP Plan for 20 Years in India

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

Fund Name	AUM	Return 3 Years	Return 5 Years	Return 10 Years	Minimum Investment	Return Since Launch
Canara Robeco Large Cap Fund Regular-Growth	₹16,406.92 Crs	12.85%	10.52%	13.31%	₹100	11.82%
ICICI Prudential Value Fund-Growth	₹53,715.52 Crs	18.28%	18.53%	15.18%	₹1,000	19.2%
LIC MF Infrastructure Fund-Growth	₹1,038.27 Crs	26.13%	22.15%	15.98%	₹5,000	8.89%
Bandhan ELSS Tax Saver Fund Regular-Growth	₹6,973.73 Crs	13.39%	13.85%	14.62%	₹500	16.58%
HDFC Flexi Cap Fund Regular-Growth	₹80,642.30 Crs	19.23%	18.63%	16.19%	₹100	18.21%
Kotak Large Cap Fund Regular-Growth	₹10,342.14 Crs	13.26%	11.21%	12.39%	₹100	16.96%

Details of the Best SIP Plans for 20 Years in India

Below are the details of the SIP plans by mutual fund houses for 20 years:

Canara Robeco Large Cap Fund Regular Plan-Growth

Parameters	Details
Fund Name	Canara Robeco Large Cap Fund Regular-Growth
NAV	₹ 57.19 (as on 24th March, 2026)
AUM	₹16,406.92 Crs
Return 7 Years	12.91%
Return 10 Years	13.31%
Return 15 Years	12.27%
Return 20 Years	N/A
Expense Ratio	1.67%
Minimum Investment	SIP ₹1000 & Lumpsum ₹100
Fund Category	Equity
Launch Date	20th August, 2010
Asset Allocation	Equity: 97.19%, Others: 2.81%
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 State Bank of India Infosys Ltd Bharti Airtel Ltd Larsen & Toubro Ltd Repo Mahindra & Mahindra Ltd Axis Bank Ltd
Fund Managers	Vishal Mishra Shridatta Bhandwaldar

ICICI Prudential Value-Growth

Parameters	Details
Fund Name	ICICI Prudential Value Fund-Growth
NAV	₹ 445.80 (as on 24th March, 2026)
AUM	₹53,715.52 Crs
Return 7 Years	17.44%
Return 10 Years	15.18%
Return 15 Years	16.32%
Return 20 Years	15.7%
Expense Ratio	1.49%
Minimum Investment	SIP ₹1000 & Lumpsum ₹1,000
Fund Category	Equity
Launch Date	16th August, 2004
Asset Allocation	Equity: 92.55%, Debt: 1.78%, Others: 5.67%
Top Sectors	Financial Healthcare Consumer Discretionary Industrials Consumer Staples Energy & Utilities Materials Technology
Top Holdings	ICICI Bank Ltd HDFC Bank Ltd Reliance Industries Ltd Infosys Ltd Repo ITC Ltd Sun Pharmaceutical Industries Ltd Tata Consultancy Services Ltd Axis Bank Ltd NTPC Ltd
Fund Managers	Sankaran Naren Dharmesh Kakkad Sharmila D'Silva Masoomi Jhurmarvala

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LIC MF Infrastructure Fund-Growth

Parameters	Details
Fund Name	LIC MF Infrastructure Fund-Growth
NAV	₹ 46.34 (as on 24th March, 2026)
AUM	₹1,038.27 Crs
Return 7 Years	18.5%
Return 10 Years	15.98%
Return 15 Years	11.67%
Return 20 Years	N/A
Expense Ratio	2.26%
Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
Fund Category	Equity
Launch Date	24th March, 2008
Asset Allocation	Equity: 96.18%, Others: 3.82%
Top Sectors	Real Estate Diversified Healthcare Materials Technology Consumer Discretionary Industrials Energy & Utilities Financial
Top Holdings	Repo Shakti Pumps (India) Ltd Tata Motors Ltd Larsen & Toubro Ltd Garware Hi-Tech Films Ltd REC Ltd AFCONS INFRASTRUCTURE LIMITED EQ Apollo Hospitals Enterprise Ltd Tata Motors Ltd NTPC Ltd
Fund Managers	Mahesh Bendre Yogesh Patil

Bandhan ELSS Tax Saver Fund-Regular Plan-Growth

Parameters	Details
Fund Name	Bandhan ELSS Tax Saver Fund Regular-Growth
NAV	₹ 141.11 (as on 24th March, 2026)
AUM	₹6,973.73 Crs
Return 7 Years	14.21%
Return 10 Years	14.62%
Return 15 Years	14.3%
Return 20 Years	N/A
Expense Ratio	1.78%
Minimum Investment	SIP ₹1000 & Lumpsum ₹500
Fund Category	Equity
Launch Date	26th December, 2008
Asset Allocation	Equity: 94.62%, Debt: 0.03%, Others: 5.35%
Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Real Estate Technology
Top Holdings	HDFC Bank Ltd Reliance Industries Ltd Reverse Repo ICICI Bank Ltd Tata Consultancy Services Ltd Kotak Mahindra Bank Ltd Axis Bank Ltd State Bank of India Infosys Ltd Hero Motocorp Ltd
Fund Managers	Daylynn Gerard Paul Pinto Ritika Behera Gaurav Satra

HDFC Flexi Cap Fund Regular-Growth

Parameters	Details
Fund Name	HDFC Flexi Cap Fund Regular-Growth
NAV	₹ 1,864.65 (as on 24th March, 2026)
AUM	₹80,642.30 Crs
Return 7 Years	15.85%
Return 10 Years	16.19%
Return 15 Years	13.72%
Return 20 Years	14.45%
Expense Ratio	1.35%
Minimum Investment	SIP ₹1000 & Lumpsum ₹100
Fund Category	Equity
Launch Date	1st January, 1995
Asset Allocation	Equity: 90.92%, Debt: 0.51%, Others: 8.56%
Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
Top Holdings	Repo ICICI Bank Ltd HDFC Bank Ltd Axis Bank Ltd State Bank of India SBI Life Insurance Company Ltd Kotak Mahindra Bank Ltd Maruti Suzuki India Ltd Cipla Ltd HCL Technologies Ltd
Fund Managers	Roshi Jain Dhruv Muchhal

Kotak Large Cap Fund Regular-Growth

Parameters	Details
Fund Name	Kotak Large Cap Fund Regular-Growth
NAV	₹ 528.81 (as on 24th March, 2026)
AUM	₹10,342.14 Crs
Return 7 Years	12.57%
Return 10 Years	12.39%
Return 15 Years	11.83%
Return 20 Years	11.62%
Expense Ratio	1.74%
Minimum Investment	SIP ₹1000 & Lumpsum ₹100
Fund Category	Equity
Launch Date	NA
Asset Allocation	Equity: 97.33%, Debt: 1%, Others: 1.67%
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 State Bank of India Repo Larsen & Toubro Ltd Infosys Ltd Bharti Airtel Ltd Axis Bank Ltd Mahindra & Mahindra Ltd
Fund Managers	NA

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
Top 300 Fund SBI Life Rating	8.83%	10.75%	11.66% View Plan
Opportunities Fund HDFC Life Rating	12.51%	13.71%	13.77% View Plan
High Growth Fund Axis Max Life Rating	17.98%	19.82%	17.61% View Plan
Opportunities Fund ICICI Prudential Life Rating	11.23%	11.82%	11.94% View Plan
Multi Cap Fund Tata AIA Life Rating	21%	19.36%	22% View Plan
Accelerator Mid-Cap Fund II Bajaj Life Rating	12.22%	11.95%	13.34% View Plan
Multiplier Birla Sun Life Rating	14.33%	13.83%	14.86% View Plan
Virtue II PNB MetLife Rating	12.59%	14.9%	14.19% View Plan
Equity II Fund Canara HSBC Life Rating	8.51%	8.72%	9.89% View Plan
Blue-Chip Equity Fund Star Union Dai-ichi Life Rating	7.55%	8.65%	9.8% View Plan

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Last updated: Feb 2026

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Fund Name	AUM	Return 3 Years	Return 5 Years	Return 10 Years	Minimum Investment	Return Since Launch
Motilal Oswal BSE Enhanced Value Index Fund Regular - Growth	₹822.00 Crs	30.49%	N/A	N/A	₹500	29.73%
Bandhan Small Cap Fund Regular-Growth	₹14,062.19 Crs	27.38%	21.07%	N/A	₹1,000	26.42%
Motilal Oswal Midcap Fund Regular-Growth	₹33,608.53 Crs	19.53%	21.14%	15.9%	₹500	19.14%
ICICI Prudential Infrastructure Fund-Growth	₹7,941.20 Crs	21.36%	24.4%	17.52%	₹5,000	15.04%
Canara Robeco Large Cap Fund Regular-Growth	₹16,406.92 Crs	12.85%	10.52%	13.31%	₹100	11.82%
Mirae Asset Large Cap Fund Direct- Growth	₹39,975.32 Crs	11.99%	10.67%	13.83%	₹5,000	14.75%
Kotak Midcap Fund Regular-Growth	₹57,375.20 Crs	19.18%	17.19%	17.46%	₹100	14.19%
SBI Small Cap Fund-Growth	₹35,562.96 Crs	11.63%	13.71%	16.97%	₹5,000	17.75%
SBI Gold ETF	₹8,810.86 Crs	31%	24.4%	15.7%	₹5,000	13.18%

Updated as of Feb 2026

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How Does the Best SIP Plan for 20 Years Work?

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.

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.

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

/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 ₹1.03 Cr

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)

11.82%

Equity Pension

13.77%

Opportunities Fund

17.61%

High Growth Fund

11.94%

Opportunities Fund

22%

Multi Cap Fund

13.34%

Accelerator Mid-Cap Fund II

14.86%

Multiplier

13.46%

Frontline Equity Fund

14.19%

Virtue II

9.89%

Equity II Fund

9.8%

Blue-Chip Equity Fund

14.18%

Growth Opportunities Plus Fund

10.88%

Equity Top 250 Fund

11.79%

Future Opportunity Fund

10.71%

Pension Dynamic Equity Fund

13.07%

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.

FAQs

Which SIP is best for the next 20 years?
Some of the best SIP plan for 20 years that are often considered to be good options for long-term investment are as follows:
- Canara Robeco Large Cap Fund Direct-Growth
- ICICI Prudential Value Growth Fund
- LIC MF Infrastructure Fund
- Bandhan ELSS Tax Saver Fund
- HDFC Flexi Cap Fund
- Kotak Bluechip Fund
Is it good to do SIP for 20 years?
Yes, investing in a best SIP plan for 20 years in India can be a beneficial strategy for long-term wealth creation.
Some of the reasons why it is considered a good approach are listed below:
- Investing in SIPs for a longer duration allows you to benefit from the power of compounding
- SIPs help mitigate the impact of market volatility through rupee cost averaging
- SIPs encourage regular and disciplined investing
- SIPs offer flexibility in terms of investment amounts
- SIPs allow investors to portfolio diversification
Can I get a 20% return in SIP?

It is possible to get a 20% return in SIP if you choose the right funds and invest for the long term. However, there is no guarantee that you will get a 20% SIP return. The actual returns you get will depend on the performance of the ULIP fund or mutual fund you invest in, the market conditions, and the period you invest.
What will be 20,000 SIP after 20 years?
The amount that you will get after investing ₹20,000 in a best SIP plan for 20 years will depend on the following factors:
- The type of mutual fund you invested
- The market conditions
- The period of your investment
- The expense ratio
Assuming an average annual return of 12%, you would end up with returns of around ₹1.51 lakhs and a total fund value of ₹1.99 lakhs after investing ₹20,000 in the best SIP plan for 20 years. However, it is important to remember that this is just an estimate, and the actual amount you get may be more or less than this as per the actual performance of the fund.