Top News

Mutual funds have long been considered one of the most effective tools for creating long-term wealth through disciplined investing. A recent example proving this power is the Canara Robeco Infrastructure Fund, a scheme that has delivered impressive returns over the past two decades. According to historical data, a monthly SIP of just ₹10,000 in this fund has grown to an astounding ₹1.36 crore over 20 years—reflecting an XIRR of 15.23%.

Launched on December 2, 2005, this open-ended equity scheme focuses on companies tied to India’s rapidly expanding infrastructure sector. Since inception, it has generated a strong CAGR of 14.91%, outperforming many broader market indicators and becoming a preferred choice for investors seeking long-term growth.

How the Fund Created ₹1.36 Crore Through SIP

The power of compounding becomes evident when we evaluate how consistent SIPs have performed over the years:

• 20-year SIP

  • Monthly investment: ₹10,000

  • Total value today: ₹1.36 crore

  • Approximate XIRR: 15.23%

• 15-year SIP

  • Monthly investment: ₹10,000

  • Current value: ₹73.63 lakh

• 10-year SIP

  • Monthly investment: ₹10,000

  • Current value: ₹33.41 lakh

Even a one-time investment of ₹1 lakh at the time of the fund’s launch would have grown to approximately ₹16.10 lakh by November 2025. By comparison, the same amount invested in the BSE Sensex TRI during the same period would have grown to ₹12.40 lakh—significantly lower than the fund’s performance.

What Makes This Fund Stand Out?

The Canara Robeco Infrastructure Fund invests 80–100% of its portfolio in stocks and equity-linked instruments of infrastructure-related companies. These include sectors such as:

• Industrials

• Engineering

• Utilities

• Transportation

• Infrastructure development and services

In addition, the fund allocates:

• 0–20% to debt and money market instruments

• Up to 10% to REITs and InvITs

As of November 2025, the fund managed ₹916.58 crore in assets, overseen by fund managers Vishal Mishra and Sridatta Bhandwalder.

According to the fund house, the infrastructure theme continues to benefit from major government reforms, rising capital expenditure, and India’s fast-growing economy. This provides long-term growth opportunities for investors willing to stay invested through market cycles.

Should You Invest in This Fund Now?

While the fund’s historical performance is impressive, experts caution investors against choosing any mutual fund solely based on past returns. It is important to remember:

• Past performance does not guarantee future results

• Infrastructure is a cyclical theme and may see periods of volatility

• Long-term commitment and risk tolerance are essential

Investors should evaluate their financial goals, investment horizon, and risk appetite before allocating funds to a thematic investment product like this. Seeking guidance from a certified financial advisor can help ensure the investment aligns with overall financial planning.

Why SIPs Work Well for Long-Term Wealth Building

Systematic Investment Plans help investors navigate market ups and downs through:

• Rupee-cost averaging

• Compounding benefits

• Disciplined investing

• Reduced emotional decision-making

The growth of ₹10,000 per month into ₹1.36 crore over 20 years is a strong reminder of what consistency and patience can achieve in the world of mutual funds.