20000 SIP for 10 Years

Investing ₹20,000 monthly in a Systematic Investment Plan (SIP) for 10 years is an excellent way to grow your wealth. By leveraging compounding and rupee cost averaging, SIPs enable steady growth while mitigating market risks. Whether you prioritize stability, balanced growth, or high rewards, SIPs can align with your financial goals. Let’s explore how ₹20,000 invested every month grows across large-cap, mid-cap, and small-cap funds, 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 ₹20,000 SIP for 10 Years

These examples highlight how individuals with unique aspirations—retirement, business ventures, or lifestyle upgrades—used SIPs to achieve their goals.

Example 1: Large-Cap Fund

Ravi, a 40-year-old banker, wants to secure a stress-free retirement. He chooses a large-cap fund offering 10% annual returns, focusing on stability and consistent performance.

Monthly SIP Amount: ₹20,000
Investment Period: 10 years
Fund Type: Large Cap
Annualised Returns: 10% CAGR

Scenario:By the time Ravi retires at 50, his investment will grow to approximately ₹40.3 lakhs, creating a substantial retirement fund.

Using the SIP calculator, the calculation is as follows:

Investment: ₹24,00,000
Returns: ₹16.3L
Total Corpus: ₹40.3L

Example 2: Mid-Cap Fund

Kavya, a 30-year-old designer, dreams of expanding her boutique into a global brand within 10 years. She invests in a mid-cap fund, which balances risk and growth, offering 12% annual returns.

Monthly SIP Amount: ₹20,000
Investment Period: 10 years
Fund Type: Mid Cap
Annualised Returns: 12% CAGR

Scenario:At 40, Kavya’s SIP matures to approximately ₹46.46 lakhs, enabling her to launch her global boutique successfully.

Using the SIP calculator, the calculation is as follows:

Investment: ₹24,00,000
Returns: ₹22,46,000
Total Corpus: ₹46,46,000

Example 3: Small-Cap Fund

Siddharth, a 25-year-old tech enthusiast, wants to build a significant corpus for a high-risk, high-reward startup idea. He invests in a small-cap fund known for higher returns, offering 15% annual returns.

Monthly SIP Amount: ₹20,000
Investment Period: 10 years
Fund Type: Small Cap
Annualised Returns: 15% CAGR

Scenario:By 35, Siddharth’s investment grew to an impressive ₹55.78 lakhs, giving him the capital to turn his startup vision into reality.

Using the SIP calculator, the calculation is as follows:

Investment: ₹24,00,000
Returns: ₹31,78,000
Total Corpus: ₹55,78,000

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)

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

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
High Growth Fund Max Life Rating	24.84%	18.57%	16.4% View Plan
Top 200 Fund Tata AIA Rating	24.04%	20.03%	16.77% View Plan
Accelerator Mid-Cap Fund II Bajaj Allianz Rating	17.43%	10.73%	13.2% View Plan
Opportunities Fund HDFC Standard Rating	17.56%	12.29%	13.33% View Plan
Equity II Fund Canara HSBC Oriental Bank Rating	11.56%	9.27%	8.64% View Plan
Grow Money Plus Fund Bharti AXA Rating	15.75%	13.48%	12.67% View Plan
Multiplier Birla Sun Life Rating	18.22%	11.28%	14.04% View Plan
Opportunities Fund ICICI Prudential Rating	15.71%	11.97%	10.97% View Plan
Flexi Growth Fund LIC Rating	-	-	- View Plan
Virtue II PNB Metlife Rating	20.71%	15.98%	14.2% View Plan

Updated as of Jan 2025

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?

Starting your ₹20,000 SIP today can significantly improve your financial future. SIPs allow disciplined investment, provide flexibility, and reduce market risks through rupee cost averaging. Whether you aim for a secure retirement, business growth, or wealth creation, investing now maximizes your potential returns through the power of compounding. Don’t wait—start today to secure tomorrow!

Start An Sip Today Watch Your Money Grow

FAQs

What is the advantage of a ₹20,000 SIP over ₹10,000?

A higher SIP amount accelerates wealth creation, allowing you to achieve larger financial goals in a shorter time frame.
Are large-cap funds safer than mid-cap or small-cap funds?

Yes, large-cap funds are generally safer, offering consistent and stable returns, making them ideal for conservative investors.
Can I increase my SIP amount during the investment period?

Yes, many mutual fund platforms allow you to increase your SIP amount through step-up SIP options.
What is the tax treatment for SIP returns?

Returns from SIPs are subject to capital gains tax, depending on the investment type and holding period. Equity funds held for over a year qualify for long-term capital gains tax.
What’s the best age to start a ₹20,000 SIP?

Starting as early as possible is ideal, as it provides more time for your investments to grow through compounding.
How do I choose between large-cap, mid-cap, and small-cap funds?

Your choice depends on your financial goals, risk tolerance, and investment horizon. Large-caps suit conservative investors, mid-caps offer balanced growth, and small-caps are ideal for high-risk, high-return seekers.
Can I stop or pause my SIP if needed?

Yes, SIPs are flexible, and you can pause or stop them temporarily if needed. However, this might impact your overall returns.
Are small-cap funds too risky for beginners?

Small-cap funds are riskier but can offer higher rewards. Beginners should consult a financial advisor before choosing them.
What tools can I use to track SIP performance?

Most mutual fund platforms and financial apps provide SIP tracking tools to monitor your investments.
How does a 10-year SIP differ from a 20-year SIP?

A 10-year SIP builds wealth for medium-term goals, while a 20-year SIP generates a larger corpus for long-term aspirations due to the extended compounding period.