2,000 SIP for 10 Years

Investing ₹2,000 monthly in a Systematic Investment Plan (SIP) for 10 years can steadily build your wealth over time. With the benefits of compounding and rupee-cost averaging, SIPs are a smart choice for long-term financial goals. Let's explore how your investment can grow across different fund categories, based on historical average returns.

SIP Insurance 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

Examples of ₹2,000 SIP for 10 Years

These examples illustrate how SIP plans can cater to various financial needs, whether it's saving for a child's education, planning for a comfortable retirement, or building a corpus for future aspirations. By tailoring investments to their goals and risk tolerance, individuals can systematically achieve their financial dreams. By using the SIP calculator, you can get an estimate of the returns on your SIP investment,

Example 1: Large-Cap Fund

Ramesh, a 35-year-old teacher, wants to ensure a good education for his 5-year-old daughter. He chooses a large-cap fund, known for stability and consistent returns, offering an estimated 12% annual return.

Monthly SIP Amount: ₹2,000
Investment Period: 10 years
Fund Type: Large Cap
Annualised Returns: 12% CAGR (Estimated)

Scenario: Ramesh starts his SIP today. In 10 years, when his daughter is 15, his investment could grow to approximately ₹4.1 lakhs. You can check it using the SIP calculator. This corpus can contribute significantly towards her higher education expenses.

Example 2: Mid-Cap Fund

Priya, a 28-year-old IT professional, dreams of buying a house in 10 years. She invests in a mid-cap fund, aiming for higher returns with moderate risk, and expects a 14% annual return.

Monthly SIP Amount: ₹2,000
Investment Period: 10 years
Fund Type: Mid Cap
Annualised Returns: 14% CAGR (Estimated)

Scenario: By the time Priya is 38, her SIP could mature to around ₹4.6 lakhs. This amount can serve as a substantial down payment for her dream home, bringing her closer to her goal.

Example 3: Small-Cap Fund

Aman, a 25-year-old entrepreneur, has a high-risk appetite and seeks aggressive growth. He invests in a small-cap fund, anticipating a 16% annual return.

Monthly SIP Amount: ₹2,000
Investment Period: 10 years
Fund Type: Small Cap
Annualised Returns: 16% CAGR (Estimated)

Scenario: At 35, Aman's investment could potentially grow to ₹5 lakhs. You can use the SIP calculator to calculate the same. This corpus can be utilized for business expansion or other high-growth opportunities.

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 ₹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)

19.3%

High Growth Fund

15.61%

Accelerator Mid-Cap Fund II

15.48%

Opportunities Fund

Insurance Companies
Mutual Funds

Fund Name	3 Years	5 Years	10 Years
	Returns
Virtue II PNB Metlife	18.68%	25.83%	16.48% View Plan
Pure Equity Birla Sun Life	17.56%	21.84%	15.07% View Plan
Large Cap Equity Fund Tata AIA	18.45%	21.82%	14.88% View Plan
Grow Money Plus Fund Bharti AXA	14.74%	18.58%	14.12% View Plan
Pure Stock Fund Bajaj Allianz	17.34%	20.53%	14.04% View Plan
Diversified Equity Fund HDFC Standard	14.77%	17.79%	13.96% View Plan
Growth Super Fund Max Life	15.5%	17.5%	12.83% View Plan
Equity Fund SBI	14.88%	16.53%	12.1% View Plan
Bluechip Fund ICICI Prudential	13.23%	15.89%	11.33% View Plan
Growth Plus Fund Canara HSBC Oriental Bank	12.92%	13.89%	10.36% View Plan

Updated as of Dec 2024

Compare more funds

Fund Name	3 Years	5 Years	10 Years
	Returns
Active Fund QUANT	24.92%	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%

Updated as of Dec 2024

Compare more funds

Why Should You Start Investing Today?

The power of SIPs lies in their disciplined approach and potential for long-term wealth accumulation. Starting today, even with a small amount like ₹2,000 per month, can create a significant corpus for your future needs. Remember, the earlier you start, the more time your investments have to grow, thanks to the power of compounding.

start-an-sip-today-watch-your-money-grow

FAQs

What are the most popular investment options in India?

Best investment plans in India include ULIP plans, Pension plans, Child plans, Mutual Funds, Fixed Deposits (FDs), Public Provident Fund (PPF), Equity Shares, Real Estate, National Pension System (NPS), and Gold.
Who should invest in large-cap funds?

Investors seeking stability and consistent returns, with a lower risk appetite.
Are mid-cap funds riskier than large-cap funds?

Yes, mid-cap funds carry more risk but also offer the potential for higher returns.
What is the right age to start a SIP?

The earlier you start, the better, as it allows more time for compounding. However, you can start a SIP at any age.
Can SIPs guarantee returns?

No, SIP returns depend on market performance, but they help mitigate risks through rupee cost averaging.
How do I decide the right investment option for me?

Your choice depends on your financial goals, risk tolerance, investment horizon, and liquidity needs. Consulting a financial advisor is recommended.
Are there any tax-saving investment options in India?

Yes, options like PPF, ELSS, NPS, Tax-saving FDs, and Life Insurance offer tax benefits under Section 80C of the Income Tax Act.