I want 20% returns in 3 years. Possible?

Let’s find out which fund categories can consistently deliver more than 20 per cent returns over three years – and the risks associated. Sameer had Rs 10 lakh, three years and a plan that sounded... ambitious. “Equity mutual funds,” he told his friend Arjun over lunch. “Three years. Hoping for a 20 per cent annual return. Nothing too risky, just want it to grow steadily and safely.” Arjun smiled and raised an eyebrow. “So you’re aiming for high returns, low risk, capital safety and full liquidity — all in three years? That’s quite a wishlist. It’s like ordering 10 desserts and no calories.” Which funds will give over 20 per cent returns? Arjun pulled out his tablet and found that small-cap and mid-cap funds have delivered more than 20 per cent returns about half the time over any three-year period in the last 10 years. Category-wise 3-year rolling return distribution for last 10 years Return % Large cap Mid cap Small cap Flexi cap Below 0  2.23 % 5.37 % 9.03 % 2.81 % 0 to 5 4.67 % 6.91 % 6.47 % 5.53 % 5 to 10 21.25 % 13.14 % 8.82 % 14.15 % 10 to 15 45.23 % 11.47 % 8.50 % 36.03 % 15 to 20 22.80 % 16.31 % 13.09 % 28.34 % Ab