# ₹5,000 Monthly Small-Cap SIP for 20 Years

> How much could your daughter get at 25 from ₹5,000 monthly small-cap SIP?
- Title: ₹5,000 Monthly Small-Cap SIP for 20 Years · mint | Shortify
- Summary: How much could your daughter get at 25 from ₹5,000 monthly small-cap SIP? A ₹5,000 monthly SIP in a small-cap mutual fund could grow to ₹74.9 lakh after 20…
- Keywords: small-cap sip, monthly investment, nifty smallcap 250, mutual fund returns, bank deposits, financial goals, investment planning, news, india, 000, Monthly, Small-Cap
- Source: mint — https://livemint.com/money/personal-finance/5000-monthly-small-cap-sip-for-20-years-how-much-could-your-daughter-get-at-25-11792092488271.html
- Author: Shivam Shukla
- Published: 2026-10-16T02:16:29+00:00
- Read time: 1 min
- Topics: small-cap sip, monthly investment, nifty smallcap 250, mutual fund returns, bank deposits, financial goals, investment planning, news, india
## SIP for daughter's future
A ₹5,000 monthly SIP in a small-cap mutual fund could help fund a daughter's education, marriage, and other life goals by age 25.

> AI-generated image for representational purposes only
## Historical small-cap returns
The Nifty Smallcap 250 Total Return Index delivered 14.51% annualised returns over five years and 15.63% since April 2016.
## Record mutual fund inflows
Total mutual fund inflows reached ₹32,490 crore in September 2026, with equity inflows rising 31%.
## SIP vs bank deposit returns
At 15% annual returns, a ₹5,000 monthly SIP could grow to ₹74.9 lakh after 20 years versus ₹29.5 lakh at 8% bank deposit rates.
## Market risks and volatility
Small-cap mutual funds carry significant market risks and can experience substantial fluctuations and losses.
## Inflation impact
The purchasing power of ₹29.5 lakh or ₹74.9 lakh after 20 years will be lower than today's value due to inflation.
## Compounding power
Time, patience, and regular investments help compounding build wealth over 20 years with modest monthly contributions.
## Fund selection criteria
Investors should compare fund manager details, past performance, expense ratios, and portfolio volatility before investing.
## Behavioral discipline
Starting early and tolerating market volatility without short-term decisions is key for long-term success.
## Investment advice
Consult a qualified financial adviser before investing in small-cap mutual funds to assess risk tolerance and goals.
## Key takeaway

A ₹5,000 monthly SIP in a small-cap mutual fund could grow to ₹74.9 lakh after 20 years at 15% annual returns.