₹2000 SIP for 15 Years

Examples of ₹2000 SIP for 15 Years

Let us take a look at how a ₹2000 SIP can grow over 15 years in different types of mutual funds:

1. ₹2000 SIP for 15 Years in Large-Cap Fund

   Case 1: A young parent invests ₹2,000 per month in a large-cap fund for 15 years to save for their child's higher education. They can build wealth during this period as per the following:

   • Fund Type: Large Cap Fund

   • Monthly Investment: ₹2,000

   • Investment Period: 15 Years

   • Expected Annualized Return: 12%

     Now, calculating the returns of this fund using a SIP calculator will give the following results:

     • Total Investment: ₹3.6 lakhs

     • Estimated Value at Maturity: ₹9.52 lakhs

     • Wealth Gained: ₹5.92 lakhs

2. ₹2000 SIP for 15 Years in Mid-Cap Fund

   Case 2: A private-sector employee starts a mid-cap fund SIP of ₹2,000 monthly for 15 years to buy a dream car. His total corpus at the end of maturity will be as follows:

   • Fund Type: Mid-Cap Fund

   • Monthly Investment: ₹2,000

   • Investment Period: 15 Years

   • Expected Annualized Return: 15%

     Calculating the returns of this fund using a SIP calculator will give the following results:

     • Total Investment: ₹3.6 lakhs

     • Estimated Value at Maturity: ₹12.3 lakhs

     • Wealth Gained: ₹8.73 lakhs

3. ₹2000 SIP for 15 Years in Small-Cap Fund

   Case 3: An IT professional saves ₹2,000 monthly in a small-cap fund for 15 years to fund their dream world tour. This is how he can estimate the maturity amount:

   • Fund Type: Small Cap Fund

   • Monthly Investment: ₹2,000

   • Investment Period: 15 Years

   • Expected Annualized Return: 18%

     Calculating the returns of this fund using a SIP calculator will give the following results:

     • Total Investment: ₹3.6 lakhs

     • Estimated Value at Maturity: ₹16 lakhs

     • Wealth Gained: ₹12.4 lakhs

Returns from ₹2000 SIP for 15 Years: Calculation Table

NOTE: 

• The maturity amount increases with a higher rate of return.

• Returns are not fixed and depend on mutual fund performance.

• Small-cap funds offer high growth potential but come with significant risk, mid-cap funds provide a balance between risk and returns, and large-cap funds are safer and deliver more stable returns.

SIP Calculator

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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

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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

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Top Funds with High Returns (Past 7 Years)

16.4%

High Growth Fund

16.77%

Top 200 Fund

13.2%

Accelerator Mid-Cap Fund II

13.33%

Opportunities Fund

8.64%

Equity II Fund

11.62%

Accelerator Fund

12.67%

Grow Money Plus Fund

14.04%

Multiplier

10.82%

Equity Top 250 Fund

11.19%

Future Apex Fund

10.97%

Opportunities Fund

12.76%

Frontline Equity Fund

14.2%

Virtue II

9.39%

Pension Dynamic Equity Fund

10.45%

Equity Fund

9.07%

Blue-Chip Equity Fund

Benefits of Investing in SIP Today

Following are the key benefits offered by a SIP plan:

• Power of Compounding: SIPs help your money grow over time by earning returns on returns.

• Affordable: You can start with as low as ₹500 per month, making it easy for everyone.

• Rupee Cost Averaging: SIPs help reduce the effect of market ups and downs by investing a fixed amount regularly.

• Regular Saving Habit: SIPs encourage disciplined investing by making regular contributions.

• Diversification: SIPs let you invest in different funds, spreading your risk.

• Long-Term Growth: SIPs are great for long-term goals like retirement or children’s education, offering good returns.

• Tax Savings: Some SIPs in tax-saving funds (ULIP and ELSS) qualify for tax benefits under Section 80C.

Conclusion

Investing ₹2000 in a SIP for 15 years can grow well due to the power of compounding. With average returns of 12-18% per year, your investment could reach around ₹9-16 lakhs. However, returns depend on market conditions. Staying invested for the long term helps you deal with market ups and downs. Before you start, check your risk tolerance and investment goals.