Best SIP Plans for 20 years in India

Since equity mutual funds have historically outperformed inflation over extended market cycles, they can serve as the primary engine of wealth creation over a 20-year horizon. Investors can balance growth potential and risk by distributing their investments across a variety of diversified categories, such as multi-cap, flexi-cap, and large & mid-cap funds, and supplementing them with sector or thematic ideas, such as pharma, technology, banking, and mid-cap strategies.

Systematic investment plans (SIPs) make it feasible to start small, stagger entries, and progressively increase amounts as income increases.

Invest in Indian Markets and Unlock Future Potential With 5paisa!

Open Account Now

Overview of Best SIP Plans to Invest

Here is an overview of the best SIP for 20 years:

Nippon India Pharma Fund

The Nippon India Pharma Fund is a sectoral equity scheme that primarily invests in pharmaceutical and healthcare companies with the goal of achieving long-term capital appreciation by capitalising on structural growth in these industries. The portfolio, which usually maintains more than 95% in stocks, is focused on well-known listed pharmaceutical and healthcare brands like Sun Pharmaceutical, Lupin, Cipla, Apollo Hospitals, and Dr. Reddy's.

• Fund manager: Sailesh Raj Bhan.
• AUM: About ₹8,458.7 crore (regular plan; similar to values reported across fund-tracking platforms).
• Inception date: Jun 05, 2004 (growth option).
• 20-year returns: 18.51% annualised.

If you had invested ₹1,000 per month for 20 years, your total investment of ₹2,40,000 would have grown to about ₹20,24,903.

Sundaram Mid Cap Fund – Regular Plan

Sundaram Mid Cap Fund is an actively managed equity scheme focusing on mid-cap companies with the potential to become future large caps, targeting long-term capital appreciation through a diversified portfolio of growth-oriented mid-sized businesses. The strategy typically follows bottom-up stock selection and maintains most assets in mid-cap equities, offering higher return potential but also higher volatility than large-cap funds.

• Fund manager: S. Bharath.
• AUM: Around ₹13,345 crore in the regular plan, making it one of the sizable mid-cap schemes.
• Inception date: Jul 19, 2002.
• 20-year returns: 17.55% annualised.

If you had invested ₹1,000 per month for 20 years, your ₹2,40,000 investment would have grown to about ₹17,97,018.

ICICI Prudential Value Fund

ICICI Prudential Value Fund (formerly known as ICICI Pru Value Discovery Fund) is a diversified equity scheme following a value investing style, focusing on stocks that are trading below their intrinsic worth and may be temporarily out of favour. The fund spreads its portfolio across large, mid and small caps and across sectors, seeking to benefit when undervalued businesses re-rate over time.

• Fund manager: Sankaran Naren, a well-known proponent of value and contrarian strategies.
• AUM: Around ₹60,390.6 crore, making it one of India’s largest equity funds in the value category.
• Inception date: Aug 16, 2004.
• 20-year returns: 17.23% annualised.

If you had invested ₹1,000 per month for 20 years, your ₹2,40,000 investment would have become about ₹17,27,067.

Nippon India Value Fund

Nippon India Value Fund is an equity scheme that applies value and contra investing principles, identifying fundamentally sound companies available at a discount to their long-term earnings or asset potential. The portfolio typically includes diversified exposure across sectors and market caps, aiming to generate alpha when mispriced stocks revert to fair value.

• Fund manager: Dhrumil Shah.
• AUM: About ₹9,246 crore in assets, placing it in the mid-sized diversified-equity segment.
• Inception date: Jun 8, 2005.
• 20-year returns: 16.93% annualised.

If you had invested ₹1,000 per month for 20 years, your ₹2,40,000 investment would have become about ₹16,64,041.

Nippon India Growth Mid Cap Fund

Nippon India Growth Mid Cap Fund (earlier Nippon India Growth Fund) is one of the oldest mid-cap-focused schemes in India, aiming at long-term capital growth through a research-driven approach in mid-cap equities. The fund follows a growth-at-reasonable-price (GARP) style, seeking companies with scalable business models and the potential to become future market leaders.

• Fund manager: Rupesh Patel (lead manager among a team of managers).
• AUM: About ₹42,041.6 crore, reflecting strong investor interest and long track record.
• Inception date: Oct 8, 1995 for the regular plan.
• 20-year returns: 16.84% annualised.

If you had invested ₹1,000 per month for 20 years, your ₹2,40,000 investment would have turned into about ₹16,45,600.

Bandhan Flexi Cap Fund

Bandhan Flexi Cap Fund is a flexi-cap equity scheme that invests dynamically across large, mid and small-cap stocks, giving the fund manager the flexibility to shift allocations based on valuations and market outlook. The investment objective is to achieve long-term capital appreciation through a diversified portfolio benchmarked against broad indices such as the BSE 500 TRI.

• Fund manager: Manish Gunwani.
• AUM: Around ₹7,747.2 crore in the regular plan.
• Inception date: Sep 28, 2005.
• 20-year returns: 16.6% annualised.

If you had invested ₹1,000 per month for 20 years, your ₹2,40,000 investment would have grown to about ₹15,97,453.

Nippon India Multi Cap Fund

Nippon India Multi Cap Fund is an open-ended multi-cap scheme investing across large, mid and small-cap companies, attempting to combine the stability of large caps with the growth potential of mid and small caps. The fund follows a mix of top-down and bottom-up approaches, with themes like consolidators in banking, telecom and consumption, while focusing on growth at reasonable valuations.

• Fund manager: Sailesh Raj Bhan.
• AUM: Around ₹50,048.3 crore.
• Inception date: 28-Mar-2005.
• 20-year returns: 16.44% annualised.

If you had invested ₹1,000 per month for 20 years, your ₹2,40,000 investment would have grown to about ₹15,66,168.

ICICI Prudential Technology Fund

ICICI Prudential Technology Fund is a sectoral equity scheme that invests primarily in technology and technology-dependent companies such as IT services, software, digital platforms and related businesses. The objective is to achieve long-term capital appreciation from structural growth in IT exports, digital transformation and technology adoption across the economy.

• Fund manager: Vaibhav Dusad.
• AUM: Around ₹15,565.4 crore.
• Inception date: Mar 3, 2000.
• 20-year returns: About 16.34% annualised.

If you had invested ₹1,000 per month for 20 years, your ₹2,40,000 investment would have grown to about ₹15,46,938.

Nippon India Banking & Financial Services Fund

Nippon India Banking & Financial Services Fund is a sectoral equity scheme focused on banking and financial services, investing across private and public sector banks, NBFCs, housing finance companies, insurance, exchanges and allied financial firms. The fund seeks to generate superior alpha through active stock and sub-segment selection within financials, while diversifying across various business models to manage risk.

• Fund manager: Vinay Sharma.
• AUM: Around ₹7,791.7 crore.
• Inception date: May 26, 2003.
• 20-year returns: 16.23% annualised.

If you had invested ₹1,000 per month for 20 years, your ₹2,40,000 investment would have turned into about ₹15,26,068.

Canara Robeco Large and Mid Cap Fund

Canara Robeco Large and Mid Cap Fund is an equity scheme that invests predominantly in large-cap and mid-cap stocks, aiming to generate long-term capital appreciation by blending stability of established blue-chips with growth from mid-sized companies.

• Fund manager: Amit Nadekar.
• AUM: Around ₹26,169.9 crore.
• Inception date: March 11, 2005.
• 20-year returns: 16.08% annualised.

If you had invested ₹1,000 per month for 20 years, your ₹2,40,000 investment would have grown to about ₹14,98,080.

Note: Data as of December 17, 2025.