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 Plans for 20 Years- ULIP Plans
You can invest in the best SIP plans offered under a Unit Linked Insurance Plans (ULIP) and choose to pay the SIP amount regularly on a monthly, quarterly, or semi-annual basis for a 20 year policy term:
| Fund Name |
Risk Category |
3 Years |
5 Years |
RSI* |
| Axis Max Life High Growth Fund |
High |
27% |
30.50% |
15.30% |
| Tata AIA Top 200 Fund |
High |
19.30% |
26.50% |
19.30% |
| Tata AIA Multi Cap Fund |
High |
18.50% |
26.40% |
21.60% |
| HDFC Life Opportunities Fund |
Low to Medium |
14.50% |
20.70% |
14.30% |
| Aditya Birla Life Multiplier Fund |
Medium |
14% |
20.40% |
13.50% |
| Bajaj Allianz Life Accelerator Midcap Fund II |
High |
15.80% |
20% |
14.90% |
| Aditya Birla Life Pure Equity Fund |
Low to Medium |
11.20% |
18.70% |
16.20% |
| ICICI Pru Life Opportunities Fund |
High |
12.50% |
16.50% |
12% |
| PNB MetLife Flexi Cap Fund |
Medium to High |
11.60% |
16.20% |
11.40% |
| Canara HSBC Growth Plus Fund |
Low |
9.20% |
12.10% |
9.10% |
*RSI: Returns Since Inception
**Returns updated as of January 2025.
SIP Calculator
Monthly Investment
₹22.4 L
Top Funds with High Returns (Past 7 Years)
16.82%
High Growth Fund
16.57%
Top 200 Fund
13.25%
Accelerator Mid-Cap Fund II
13.43%
Opportunities Fund
9.13%
Growth Plus Fund
11.71%
Accelerator Fund
12.71%
Grow Money Plus Fund
14.1%
Multiplier
10.7%
Equity Top 250 Fund
11.43%
Future Apex Fund
10.91%
Opportunities Fund
12.95%
Frontline Equity Fund
15.2%
Virtue II
9.52%
Pension Dynamic Equity Fund
11.03%
Top 300 Fund
9.19%
Blue-Chip Equity Fund
Details of the ULIP-Based Best SIP Plans for 20 Years in India
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Axis Max Life High Growth Fund
Axis Max Life High Growth Fund is offered with different Unit Linked Insurance Plans (ULIP) of Axis Max Life Insurance. The fund focuses on long-term capital growth by investing in equities with high growth potential. It is suitable for investors with a high-risk appetite.
Features of Axis Max Life High Growth Fund:
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Investment Objective: Aim to achieve long-term capital growth by investing in high-growth equity stocks. The fund focuses on companies with strong fundamentals and high growth potential across sectors.
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Benchmark: - Nifty MidCap Free Float 100% Index
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Launch Date: 26 February 2008
-
NAV (as of 13 January 2025): ₹118.71
-
Fund Managers: Saurabh Kataria and Naresh Kumar
Illustration of Returns of SIP in Axis Max Life High Growth Fund:
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If you invest monthly: ₹10,000
-
Period of investment: 20 years
-
Expected RSI Returns of Axis Max Life High Growth Fund: 15.30%
-
Total Investment: ₹24,00,000
-
Total Returns: ₹1,58,21,917 lakhs
-
Estimated Gains: ₹1,34,21,917
-
Tata AIA Top 200 Fund
The Tata AIA Top 200 Fund is an investment option that allows you to invest in the top 200 companies by market capitalization. It aims to provide steady growth with moderate risk.
Features of Tata AIA Top 200 Fund:
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Investment Objective: Seeks long-term wealth creation by investing in the top 200 companies based on market capitalization. It emphasizes well-established businesses with strong performance.
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Benchmark: S&P BSE 200 - 100% Index
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Launch Date: 12 January 2009
-
NAV (as of 13 January 2025): ₹174.20
-
Fund Managers: Rajeev Tewar
Illustration of Returns of SIP in Tata AIA Top 200 Fund:
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If you invest monthly: ₹10,000
-
Period of investment: 20 years
-
Expected RSI Returns of Tata AIA Top 200 Fund: 19.30%
-
Total Investment: ₹24,00,000
-
Total Returns: ₹2,84,48,073 lakhs
-
Estimated Gains: ₹2,84,48,073
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Tata AIA Multi Cap Fund
The Tata AIA Multi Cap Fund is available under different best investment plans offered by Tata AIA Life Insurance. This diversified ULIP fund invests across large-cap, mid-cap, and small-cap stocks. It offers balanced growth opportunities for investors.
Oswal Midcap Fund focuses on mid-cap companies with strong growth potential, aiming for long-term wealth creation. It suits investors seeking moderate risk and diversification in mid-sized businesses.
Features of Tata AIA Multi Cap Fund:
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Investment Objective: Focuses on diversified equity investments across large-cap, mid-cap, and small-cap companies. It aims to deliver consistent growth by leveraging opportunities across market segments.
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Benchmark: S&P BSE 200 – 100% Index
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Launch Date: 15 July 2014
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NAV (as of 13 January 2025): ₹63.49
-
Fund Managers: Nitin Bansal and Shashank Khetawat
Illustration of Returns of SIP in Tata AIA Multi Cap Fund:
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If you invest monthly: ₹10,000
-
Period of investment: 20 years
-
Expected RSI Returns of Tata AIA Multi Cap Fund: 21.60%
-
Total Investment: ₹24,00,000
-
Total Returns: ₹4,03,55,044 lakhs
-
Estimated Gains: ₹3,79,55,044
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HDFC Life Opportunities Fund
The HDFC Life Opportunities Fund focuses on equity investments in sectors with high growth potential. It aims to create long-term wealth for investors.
Features of HDFC Life Opportunities Fund:
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Investment Objective: Targets long-term wealth creation by investing in sectors and companies with high-growth potential. The fund focuses on dynamic allocation to capitalize on emerging market trends.
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Benchmark: Nifty Midcap 100 Index
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Launch Date: 05 January 2010
-
NAV (as of 13 January 2025): ₹77.19
-
Fund Managers: Nishit Dholakia
Illustration of Returns of SIP in HDFC Life Opportunities Fund:
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If you invest monthly: ₹10,000
-
Period of investment: 20 years
-
Expected RSI Returns of HDFC Life Opportunities Fund: 14.30%
-
Total Investment: ₹24,00,000
-
Total Returns: ₹1,37,29,905 lakhs
-
Estimated Gains: ₹1,13,29,905
-
Aditya Birla Life Multiplier Fund
The Aditya Birla Life Multiplier Fund seeks to multiply wealth by making strategic investments in equities and high-growth sectors. It is designed for long-term capital appreciation.
Features of Aditya Birla Life Multiplier Fund:
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Investment Objective: Strives for long-term capital appreciation by investing in a mix of equity and equity-related instruments. It focuses on diversified opportunities for steady portfolio growth.
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Benchmark: Nifty Midcap 100 & Crisil Liquid Fund Index
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Launch Date: 30 October 2007
-
NAV (as of 13 January 2025): ₹96.96
-
Fund Managers: Bhaumik Bhatia
Illustration of Returns of SIP in Aditya Birla Life Multiplier Fund:
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If you invest monthly: ₹10,000
-
Period of investment: 20 years
-
Expected RSI Returns of Aditya Birla Life Multiplier Fund: 13.50%
-
Total Investment: ₹24,00,000
-
Total Returns: ₹1,22,76,223 lakhs
-
Estimated Gains: ₹98,76,223
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 |
3 Years |
5 Years |
RSI* |
| Motilal Oswal Midcap Fund |
Very High |
32.4% |
32.8% |
25.7% |
| ICICI Prudential BHARAT 22 FOF |
Very High |
29.9% |
24.4% |
18.5% |
| LIC MF Infrastructure Fund |
Very High |
29.8% |
27.2% |
16.8% |
| Bandhan ELSS Tax Saver Fund |
Very High |
13.90% |
22.10% |
18.00% |
| Kotak Infrastructure and Economic Reform Fund |
Very High |
25.80% |
27.30% |
19.20% |
| HDFC Mid Cap Opportunities Fund |
Very High |
25.80% |
28.30% |
21.70% |
| Motilal Oswal Large and Midcap Fund |
High |
25.40% |
26.70% |
27.50% |
| Parag Parikh ELSS Tax Saver Fund |
High |
17.20% |
23.80% |
23.60% |
| Nippon India Nivesh Lakshya Fund |
Moderate |
7.57% |
7.29% |
9.1% |
| ICICI Prudential Long Term Bond Fund |
Moderate |
6.92% |
6.51% |
8.19% |
*RSI: Returns Since Inception
**Returns updated as of January 2025.
Details of the Mutual Fund-Based Best SIP Plans for 20 Years in India
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Motilal Oswal Midcap Fund
The Motilal Oswal Midcap Fund focuses on mid-cap companies with strong growth potential, aiming for long-term wealth creation. It suits investors seeking moderate risk and diversification in mid-sized businesses.
Features of Motilal Oswal Midcap Fund:
-
Investment Objective: The fund aims to achieve long-term capital appreciation by investing primarily in mid-sized companies with strong growth potential and competitive advantages.
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Benchmark: Nifty Midcap 150 Index
-
Launch Date: 29 December 2009
-
NAV (as of 13 January 2025): ₹114.42
-
Fund Managers: Ajay Khandelwal and Santosh Singh
Illustration of Returns of SIP in Motilal Oswal Midcap Fund:
-
If you invest monthly: ₹10,000
-
Period of investment: 20 years
-
Expected RSI Returns of Motilal Oswal Midcap Fund: 25.70%
-
Total Investment: ₹24,00,000
-
Total Returns: ₹7,66,41,237 lakhs
-
Estimated Gains: ₹7,42,41,237
-
ICICI Prudential BHARAT 22 FOF
The ICICI Prudential BHARAT 22 FOF invests in units of the BHARAT 22 ETF, which comprises majorly PSU companies and three private sector firms. It offers investors exposure to India’s economic growth story.
Features of ICICI Prudential BHARAT 22 FOF:
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Investment Objective: This fund seeks to provide returns by investing in the units of the BHARAT 22 ETF, which represents a diversified portfolio of government-owned and private-sector companies.
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Benchmark: BSE Bharat 22 Index
-
Launch Date: 12 October 1993
-
NAV (as of 13 January 2025): ₹29.51
-
Fund Managers: Ashwini Shinde
Illustration of Returns of SIP in ICICI Prudential BHARAT 22 FOF :
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If you invest monthly: ₹10,000
-
Period of investment: 20 years
-
Expected RSI Returns of ICICI Prudential BHARAT 22 FOF: 18.50%
-
Total Investment: ₹24,00,000
-
Total Returns: ₹2,52,40,340
-
Estimated Gains: ₹2,28,40,340
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LIC MF Infrastructure Fund
The LIC MF Infrastructure Fund invests in infrastructure-related sectors, aiming to capitalize on India's growth in construction, power, and transport. It is ideal for investors with a long-term perspective.
Features of LIC MF Infrastructure Fund:
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Investment Objective: The objective is to generate long-term capital growth by investing predominantly in equity and equity-related instruments of companies operating in the infrastructure sector.
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Benchmark: Nifty Infrastructure Index
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Launch Date: 20 April 1994
-
NAV (as of 13 January 2025): ₹52.72
-
Fund Managers: Mahesh Bendre
Illustration of Returns of SIP in LIC MF Infrastructure Fund:
-
If you invest monthly: ₹10,000
-
Period of investment: 20 years
-
Expected RSI Returns of LIC MF Infrastructure Fund: 16.80%
-
Total Investment: ₹24,00,000
-
Total Returns: ₹1,96,47,032
-
Estimated Gains: ₹1,72,47,032
-
Bandhan ELSS Tax Saver Fund
The Bandhan ELSS Tax Saver Fund is an Equity Linked Savings Scheme (ELSS) that helps investors save taxes under Section 80C while aiming for long-term capital growth. It invests primarily in equity and equity-related instruments.
Features of Bandhan ELSS Tax Saver Fund:
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Investment Objective: This tax-saving fund offers the dual benefit of tax deductions under Section 80C and wealth creation by investing in a diversified portfolio of equity and equity-related securities.
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Benchmark: BSE 500 Index
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Launch Date: 20 December 1999
-
NAV (as of 13 January 2025): ₹161.01
-
Fund Managers: Gaurav Satra
Illustration of Returns of SIP in Bandhan ELSS Tax Saver Fund:
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If you invest monthly: ₹10,000
-
Period of investment: 20 years
-
Expected RSI Returns of Bandhan ELSS Tax Saver Fund: 18.00%
-
Total Investment: ₹24,00,000
-
Total Returns: ₹2,34,34,872
-
Estimated Gains: ₹2,10,34,872
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Kotak Infrastructure and Economic Reform Fund
The Kotak Infrastructure and Economic Reform Fund focuses on sectors benefiting from infrastructure development and economic reforms. It is suitable for those seeking exposure to India’s evolving infrastructure landscape.
Features of Kotak Infrastructure and Economic Reform Fund:
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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.
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Benchmark: Nifty Infrastructure Index
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Launch Date: 05 August 1994
-
NAV (as of 13 January 2025): ₹72.45
-
Fund Managers: Arjun Khanna and Nalin Rasik Bhatt
Illustration of Returns of SIP in Kotak Infrastructure and Economic Reform Fund:
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If you invest monthly: ₹10,000
-
Period of investment: 20 years
-
Expected RSI Returns of Kotak Infrastructure and Economic Reform Fund: 19.20%
-
Total Investment: ₹24,00,000
-
Total Returns: ₹2,80,24,172
-
Estimated Gains: ₹2,56,24,172
How to Invest in 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.
Benefits of Investing a SIP for 20 Years in India
The key benefits of investing in a SIP plan for a long-term of 20 years are listed below:
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Power of Compounding: Over 20 years, SIPs grow your money by earning returns on both your investment and past returns.
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Rupee Cost Averaging: SIPs reduce risk by buying more units when prices are low and fewer units when prices are high.
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Disciplined Investing: SIPs help you invest regularly and stay consistent, even during market ups and downs.
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Low Initial Investment: You can start a SIP with just ₹500 per month and build wealth over time.
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Wealth Creation: SIPs help you achieve big financial goals like retirement, children’s education, or buying a house.
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Flexibility: SIPs give you the option to increase, decrease, or stop investments whenever needed.
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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).
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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
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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:
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Axis Max Life High Growth Fund
-
Tata AIA Top 200 Fund
-
Tata AIA Multi Cap Fund
-
Motilal Oswal Midcap Fund
-
ICICI Prudential BHARAT 22 FOF
-
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:
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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
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SIPs allow investors to portfolio diversification
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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.
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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:
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.
