List of Mutual Funds for SIP of ₹2000 Per Month in India 2026
A Systematic Investment Plan, or SIP, allows investors to invest a fixed amount in a mutual fund scheme at regular intervals, typically monthly. There are many mutual funds that have set ₹500 as the minimum SIP amount, making it one of the most accessible ways to participate in equity and other markets without requiring a large upfront commitment.
Below is a list of mutual funds that accept SIPs starting from ₹500 per month or lower, sorted by 5Y CAGR. The article also covers what SIP means, how it works, key benefits, risks, and factors to consider before investing.
List of Mutual Funds for SIP of 2000 Per Month
Here is a list of mutual funds for a 2000 monthly SIP based on 5Y CAGR as of 5th March 2026.
| Name | AUM (₹ Cr) | 3Y CAGR (%) | Expense Ratio (%) | Exit Load | Min SIP (₹) | 5Y CAGR (%) | Alpha | Volatility | NAV (₹) |
|---|---|---|---|---|---|---|---|---|---|
| SBI PSU Fund | 5,979.80 | 33.66 | 0.83 | 0.5 | 1,500 | 28.09 | -30.08 | 14.96 | 39.91 |
| LIC MF Gold ETF FoF | 795.06 | 39.92 | 0.44 | 1 | 1,000 | 27.93 | , | 34.52 | 43.38 |
| HDFC Gold ETF FoF | 11,457.67 | 39.62 | 0.18 | 1 | 100 | 27.55 | , | 29.35 | 49.36 |
| ICICI Pru Gold ETF FoF | 6,338.49 | 39.88 | 0.09 | 1 | 100 | 27.51 | , | 28.91 | 50.49 |
| Aditya Birla SL Gold Fund | 1,781.05 | 39.74 | 0.2 | 1 | 1,000 | 27.43 | , | 30.27 | 47.7 |
| Kotak Gold Fund | 6,556.25 | 39.66 | 0.16 | 1 | 100 | 27.33 | , | 28.41 | 63.79 |
| Invesco India Gold ETF FoF | 476.11 | 2-6-00 | 0.1 | 1 | 1,500 | 26.97 | , | 31.08 | 45.66 |
| Invesco India PSU Equity Fund | 1,491.71 | 31.85 | 0.9 | 1 | 100 | 26.34 | -35.2 | 16.98 | 80.54 |
| Quant Small Cap Fund | 27,653.65 | 18.22 | 0.81 | 1 | 1,000 | 24.68 | -21.67 | 14.93 | 251.85 |
| DSP India T.I.G.E.R Fund | 5,184.00 | 26.62 | 0.75 | 1 | 100 | 24.51 | -31.01 | 13.69 | 351.41 |
Disclaimer: The above list of mutual funds for SIP 2000 per month is for educational purposes only and is not recommendatory. Please do your own research or consult your financial advisor before investing. The data is derived from the Tickertape Mutual Fund Screener and is subject to real-time updates.
Note: The data in the table above is from 9th March 2026 and is derived from the Tickertape Mutual Fund Screener.
- Plan: Growth
- Minimum SIP ≤ ₹500
- 5Y CAGR: Sorted from highest to lowest
Pro Tip: You can use Tickertape’s Mutual Fund Screener to research and evaluate funds with over 50+ pre-loaded filters and parameters.
How Does a 2000 Monthly SIP Work?
When you set up a 2000 monthly SIP, the amount is automatically invested into the selected mutual fund on the chosen date each month. The number of units allotted varies with the fund’s NAV on that day; more units are allotted when the NAV is lower and fewer units when the NAV is higher.
Over time, the corpus grows as units accumulate across different NAV levels. A 2000 monthly SIP sustained over 5 years results in a total investment of ₹1,20,000. The actual value of the investment at any point depends on how the fund’s portfolio has performed since the start of the SIP.
Overview of Top SIP 2000 Per Month
SBI PSU Fund
SBI PSU Fund is a thematic equity fund that invests predominantly in equity and equity-related securities of Public Sector Undertaking companies. The portfolio includes businesses across sectors such as banking, energy, power, oil and gas, and infrastructure, where the government holds a majority stake. The fund captures growth linked to PSU companies and government-led capital expenditure.
LIC MF Gold ETF FoF
LIC MF Gold ETF FoF invests in units of a Gold ETF as a Fund of Funds scheme. The fund provides investors with exposure to domestic gold prices without requiring them to hold physical gold. Returns link to movements in the domestic price of gold, which global commodity markets and currency fluctuations.
HDFC Gold ETF FoF
HDFC Gold ETF FoF invests in units of the HDFC Gold ETF. The scheme generates returns that correspond to the performance of the underlying Gold ETF, which tracks the domestic price of physical gold. It provides investors with a digital, paperless route to participate in gold price movements.
ICICI Pru Gold ETF FoF
ICICI Pru Gold ETF FoF invests in units of ICICI Prudential Gold ETF as a Fund of Funds scheme. The fund provides returns that closely track the underlying Gold ETF. It serves investors who seek gold exposure through the mutual fund route without needing a demat account or physical storage.
Aditya Birla SL Gold Fund
Aditya Birla Sun Life Gold Fund invests primarily in units of the Aditya Birla Sun Life Gold ETF as a Fund of Funds. The fund generates returns in line with the performance of the underlying Gold ETF. Returns link to domestic gold prices, and the fund provides gold exposure in a convenient, paperless format through the mutual fund platform.
Kotak Gold Fund
Kotak Gold Fund invests in units of Kotak Gold ETF as a Fund of Funds scheme. The scheme provides investment returns that correspond to the returns of the underlying Gold ETF, which tracks the price of physical gold in India. It allows investors to access gold as an asset class through regular monthly SIP contributions.
Invesco India Gold ETF FoF
Invesco India Gold ETF FoF invests in units of Invesco India Gold ETF as a Fund of Funds. The fund generates returns in line with the performance of the underlying Gold ETF, which tracks domestic gold prices. It provides access to gold as an asset class without requiring physical ownership or a demat account.
Invesco India PSU Equity Fund
Invesco India PSU Equity Fund focuses on companies where the central or state government holds a majority stake as a thematic equity fund. The portfolio spans PSU companies across sectors, including energy, banking, infrastructure, and industrials. The fund generates long-term capital appreciation by investing in the public sector segment of the equity market.
Quant Small Cap Fund
Quant Small Cap Fund invests primarily in companies ranked beyond the top 250 by market capitalisation, as SEBI defines, as a small-cap equity fund. The fund follows a quantitative investment approach and identifies growth opportunities within the small-cap segment. Small-cap funds carry higher volatility and suit investors with a longer investment horizon generally.
DSP India T.I.G.E.R Fund
DSP India T.I.G.E.R. Fund (The Infrastructure Growth and Economic Reforms Fund) invests in companies linked to infrastructure growth and economic reforms as a sectoral equity fund. The portfolio covers sectors such as capital goods, energy, industrials, construction, and transportation. The fund follows a thematic approach focused on India’s infrastructure development and reform-driven opportunities.
Taxation on 2000 SIP Per Month
SIP investments are taxed at the time of redemption. Since each SIP instalment is treated as a separate purchase, each instalment carries its own acquisition date and holding period. Taxation is applied based on the type and holding period.
| Mutual Fund Type | Short-Term Capital Gains (STCG) Holding Period | STCG Tax Rate | Long-Term Capital Gains (LTCG) Holding Period | LTCG Tax Rate | Indexation Benefit |
| Equity Mutual Funds | Less than 12 months | 20% | More than 12 months | 12.5% (Gains up to ₹1.25 lakh tax-free) | Not available |
| Debt Mutual Funds | Less than 36 months | Taxed as per the income tax slab | More than 36 months | 12.50% | Not available |
| Gold Mutual Funds | Less than 24 months | Taxed as per the income tax slab | More than 24 months | 12.50% | Not available |
How to Start a 2000 SIP in Mutual Funds?
You can start a 2000 monthly SIP by following these steps:
- Visit an investment platform such as smallcase to access a wide range of mutual fund schemes.
- Research and shortlist funds that align with your investment objective. Tools like the Tickertape Mutual Fund Screener can help you compare funds based on 5Y CAGR, 3Y CAGR, expense ratio, alpha, volatility, and AUM.
- Once you have identified a fund, log in to the platform, search for the fund by name, select the SIP option, enter 2000 as the monthly amount or split across multiple funds, choose your preferred SIP date, and complete the mandate setup. After the mandate is approved, the SIP will begin auto-debiting on the chosen date each month.
Who Can Consider Investing via a 2000 Monthly SIP?
- Investors Starting With a Limited Monthly Budget: A 2000 monthly SIP is accessible for investors who are beginning their investment journey with a smaller, fixed monthly surplus. Several funds in this list accept SIPs starting from ₹100 per month, allowing the 2000 to be spread across multiple funds simultaneously.
- Investors Looking to Build a Consistent Investment Habit: SIPs automate the investment process through a standing bank mandate. This removes the need for manual action each month and supports consistent investing regardless of short-term market movements or news events.
- Investors Comfortable With Thematic and Sectoral Concentration: Thematic funds and sectoral funds carry concentration risk tied to specific segments of the market. Investors who understand this risk and have a longer investment horizon may consider evaluating these funds.
Benefits of SIP Investment in Mutual Funds
- Automated and Disciplined Investing: A SIP of 2000 automates monthly investments through a bank mandate. This removes the need for manual intervention and supports consistent contributions across different market conditions, without requiring the investor to actively monitor market levels each month.
- Rupee Cost Averaging: Since the same fixed amount is invested every month, more units are purchased when NAVs are lower and fewer units when NAVs are higher. Over time, this averages out the cost of unit acquisition and reduces the impact of short-term market volatility on the overall investment.
- Flexibility to Modify, Pause, or Stop: Investors can pause, increase, decrease, or stop a SIP at any point, subject to the fund house’s terms. This provides flexibility to adjust contributions in line with changes in income or financial priorities without locking in a fixed long-term commitment.
- Access to Professional Fund Management: SIP investments in mutual funds provide access to portfolios managed by professional fund managers who allocate capital in line with the fund’s stated mandate, investment strategy, and market conditions.
- Transparent and Regulated Structure: All mutual funds in India are regulated by SEBI and are required to publish NAV daily, disclose portfolios monthly, and adhere to defined investment guidelines. This provides a structured and transparent investment environment regardless of the monthly SIP amount.
Risks of Investing in SIP 2000 Per Month
- Market Risk: SIP investments in equity and thematic mutual funds are subject to market risk. The value of the portfolio fluctuates with market conditions, and investors may experience periods where the current value of their investment is lower than the total amount contributed. SIPs help manage the timing risk of a lump sum entry but do not eliminate market risk.
- Sector and Theme Concentration Risk: Thematic funds invest predominantly within a specific market segment. If that segment underperforms over a sustained period due to policy changes, economic slowdowns, or sector-specific headwinds, these funds may experience sharper drawdowns compared to diversified equity funds.
- Small Cap Volatility and Liquidity Risk: Small Cap Fund invests in companies ranked beyond the top 250 by market capitalisation. These companies carry higher business risk, lower trading volumes, and greater price variability compared to large-cap stocks. Small-cap funds can experience significant declines during market downturns, and exiting positions in smaller stocks during periods of stress may take longer.
- Continuity Risk: The effectiveness of a SIP depends on regular and uninterrupted contributions over an extended period. Missing consecutive instalments may result in SIP cancellation under certain fund house policies. Gaps in the investment cycle reduce the benefits of rupee cost averaging and long-term compounding.
Factors to Consider Before Starting a 2000 Monthly SIP
- Fund Category and Concentration: The ten funds in this list span four categories: Gold FoFs, thematic equity (PSU), small-cap equity, and sectoral equity (infrastructure). Each carries a different risk profile and behaves differently across market conditions. Reviewing which category aligns with your investment objective and risk tolerance is an important first step.
- Alpha and Benchmark Comparison: Alpha indicates whether a fund has generated returns above or below its benchmark over the measured period. The equity funds in this list show negative alpha, meaning they underperformed their respective benchmarks. Reviewing this metric alongside absolute return figures provides a more complete picture of fund performance.
- Volatility: Volatility reflects the variability of the fund’s returns over time. Higher volatility means wider swings in the fund’s value from month to month. Investors should assess whether they are comfortable with the level of volatility a fund exhibits, especially for short-cap and thematic funds that tend to have higher standard deviations.
- Minimum SIP Amount: The minimum SIP amounts in this list range from ₹100 to ₹1,500 per month. Investors planning to split a 2000 monthly SIP across more than one fund should confirm that the allocation to each fund meets the respective minimum SIP requirement.
- Expense Ratio: The expense ratio is the annual cost of managing the fund. Over a long investment horizon, even a modest difference in expense ratios compounds into a meaningful difference in net returns. Comparing expense ratios across funds within the same category helps assess cost efficiency.
- Role in Overall Portfolio: Each fund in this list represents concentrated exposure, whether to gold, PSUs, small caps, or infrastructure. Before adding any of these funds to a portfolio, investors should consider how the allocation fits within their broader equity and asset allocation strategy to maintain an appropriate level of overall diversification.
Conclusion
A ₹2,000 monthly SIP offers a simple and structured way to invest in mutual funds across different categories. However, each category comes with different risk levels and return patterns. That is why it becomes important to analyse each fund based on past returns, performance, volatility, expense ratio, and other key metrics before starting a SIP.
Tools like the Tickertape Mutual Fund Screener allow investors to compare funds using 50+ filters across performance, risk, and cost metrics, helping them evaluate mutual funds more effectively.
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Frequently Asked Questions on Best SIP Plans for 2000 Per Month
A 2000 monthly SIP is a Systematic Investment Plan where 2000 is auto-debited from your bank account and invested into a selected mutual fund on a fixed date each month. Units are allotted based on the fund’s NAV on that day. The SIP continues automatically every month until it is paused or stopped.
Yes, a 2000 monthly SIP can be split across multiple funds, provided each individual allocation meets the fund’s minimum SIP requirement. Several funds in this list have minimum SIP requirements of ₹100, which makes it possible to spread the 2000 across two or more funds simultaneously. Funds with a minimum SIP of 1,000 or 1,500 would require careful allocation planning.
Disclaimer: The above information is for educational purposes only and is not recommendatory. Please do your own research or consult your financial advisor before investing.
SIP returns are measured using XIRR, the Extended Internal Rate of Return. Unlike simple point-to-point returns, XIRR accounts for the timing and amount of each monthly instalment and the final value at redemption. This provides an accurate measure of the actual annualised return earned on each rupee invested across the SIP period.
For equity-oriented funds, short-term capital gains on units held less than 12 months are taxed at 20%, and long-term capital gains on units held more than 12 months are taxed at 12.5% on gains above ₹1.25 lakh per financial year. Gold FoFs are treated as non-equity funds, and gains are taxed as per the investor’s applicable income tax slab. Taxation is applied on a FIFO basis across SIP instalments. Investors should consult a tax advisor for their specific situation.
The risks vary by fund category. Equity and thematic funds carry market risk, sector concentration risk, and volatility. Gold FoFs are subject to gold price movements influenced by global factors. Small cap funds carry higher volatility and liquidity risk. SIPs help manage entry timing risk but do not eliminate the underlying risks of the fund. Investors should review the specific risk profile of each fund before investing.
Disclaimer: The above information is for educational purposes only and is not recommendatory. Please do your own research or consult your financial advisor before investing.
Investors can use the Tickertape Mutual Fund Screener to evaluate funds based on parameters such as 5Y CAGR, 3Y CAGR, expense ratio, alpha, volatility, AUM, and category. Reviewing these metrics alongside the fund’s investment mandate and portfolio composition helps build a more complete picture. Investors can also consult a financial advisor before making investment decisions.
Disclaimer: The above information is for educational purposes only and is not recommendatory.
The value of a 2000 SIP for 5 years depends on the returns generated by the mutual fund during the investment period. Over five years, an investor contributes ₹1,20,000 in total through monthly instalments. The final value can be higher or lower than this amount depending on market performance and the fund’s returns.
Disclaimer: The above information is for educational purposes only and is not recommendatory.
A 2000 SIP for 10 years involves investing 2000 every month for a total contribution period of 120 months. The total invested amount over this period is ₹2,40,000. The investment value at the end of 10 years depends on market conditions, the fund’s performance, and the compounding of returns over time.
A 2000 SIP for 20 years means contributing 2000 every month for 240 months. The total invested amount over this period is ₹4,80,000. The final corpus depends on the returns generated by the mutual fund and the impact of compounding over the long investment horizon.
Several factors affect the final value of a 2000 SIP for 10 years or 20 years. These include the mutual fund’s return performance, market conditions during the investment period, the consistency of SIP contributions, expense ratios, and the overall time horizon over which compounding occurs.
Many schemes permit SIPs starting from ₹500 or ₹1,000 per month, which means a 2000 SIP for 5 years, 10 years, or 20 years is generally possible, depending on the fund’s minimum SIP requirement.
