SIP Winners: How Rs 2000 monthly investment turned into Rs 5 crore with 3 high-growth equity funds

Building wealth does not always begin with a big cheque. Sometimes, it starts with a small, steady habit. Long-term data from equity mutual funds shows that a simple monthly SIP, if continued with discipline and patience, can quietly turn into a multi-crore portfolio over time.

Take a basic example. An investor putting Rs 2000 every month for 30 years ends up investing only Rs 720000 in total. The real magic lies in what happens next. With the right equity exposure and enough time in the market, compounding does most of the heavy lifting.

Some equity schemes have made particularly strong use of this advantage. Over the last 30 years, a few funds have delivered annualised SIP returns in the range of 20 per cent to 22 per cent, turning modest contributions into life-changing wealth.

At the top of the list is Nippon India Growth Mid Cap Regular Plan. The scheme has delivered a 30-year SIP return of 22.48 percent annualised. With a monthly SIP of Rs 2000, the total contribution of Rs 720000 grows into around Rs 52202162 after 30 years.

This kind of compounding is what turns everyday investors into long-term wealth creators. The fund tracks the NIFTY 150 TRI benchmark and carries a Very High riskometer, meaning investors must be comfortable with market swings. With an AUM of about Rs 41,727 crore and an expense ratio of 1.54 percent, the scheme has used mid-cap opportunities to generate strong wealth over multiple cycles.

The takeaway is simple: staying invested through volatility allows equity to reward patience.

Next comes HDFC Flexi Cap Fund Regular Plan, a scheme built around flexible exposure to large, mid and select small-cap stocks. Over a 30-year SIP period, the fund has delivered an annualised return of 21.06 percent.

A Rs 2000 monthly SIP in this fund converts the Rs 720000 investment into nearly Rs 38987495 after 30 years. The fund’s benchmark is the NIFTY 500 TRI, and it also sits in the Very High risk category. As of January 31, 2026, the fund manages assets worth about Rs 97,452 crore, with an expense ratio of 1.33 percent.

HDFC Flexi Cap’s performance highlights how consistency across market cycles steadily multiplies wealth without relying on extreme risk-taking every year.

With the same Rs 2000 monthly SIP, the total investment of Rs 720000 grows into about Rs 37013307 after 30 years. The fund follows the NIFTY 150 TRI benchmark and carries a Very High riskometer, showing that investors need patience during market ups and downs.

Its long-term record underlines how staying committed to quality mid-cap exposure can create meaningful wealth over decades.

What This Means for SIP InvestorsThese examples show why SIP remains one of the most practical wealth-building tools for retail investors. First, time in the market matters more than timing the market. Second, even small monthly amounts can turn into crores if they are left untouched for long periods. Third, fund selection plays a critical role because small differences in returns can create massive gaps over 30 years.

(Disclaimer: The above article is meant for informational purposes only, and should not be considered as any investment advice. ET NOW DIGITAL suggests its readers/audience to consult their financial advisors before making any money-related decisions)

PremiumUpdated Feb 10, 2026 01:36 PM IST

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