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.
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.
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.
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.
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.
