₹500 SIP per month — what it becomes
What does ₹500 SIP a month become in 20 years?
₹4.6 L
At 12% a year. You invest ₹1,20,000; the other ₹3.4 L is growth.
Open in the SIP calculatorValue by time and return
| Years | Invested | At 8% | At 10% | At 12% | At 14.000000000000002% |
|---|---|---|---|---|---|
| 5 | ₹30K | ₹36.7K | ₹38.6K | ₹40.6K | ₹42.6K |
| 10 | ₹60K | ₹90.6K | ₹1.01 L | ₹1.12 L | ₹1.25 L |
| 15 | ₹90K | ₹1.7 L | ₹2.01 L | ₹2.38 L | ₹2.83 L |
| 20 | ₹1.2 L | ₹2.86 L | ₹3.62 L | ₹4.6 L | ₹5.87 L |
| 25 | ₹1.5 L | ₹4.57 L | ₹6.22 L | ₹8.51 L | ₹11.72 L |
| 30 | ₹1.8 L | ₹7.09 L | ₹10.4 L | ₹15.4 L | ₹23 L |
Make it yours
Change any number
₹
₹
Already invested, or a bonus you’re putting in now — leave 0 if none
%
Equity 10–12% · Hybrid 8–10% · Debt 6–7%. Compounded at 0.949% a month, which makes exactly 12.0% a year.
yrs
%
A step-up in line with salary hikes makes a huge difference
Value after 20 years
₹4,59,929
You invest ₹1,20,000 · gains of ₹3,39,929
How it grows
Your moneyGains
Your money vs the market’s
Multiplied
3.8×
Invested
₹1,20,000
Gains
₹3,39,929
At 12% your money doubles roughly every 6.0 years (the rule of 72). From year 12, gains are bigger than everything you’ve put in.
Questions people ask
What will a ₹500 SIP be worth in 10 years?
About ₹1.12 L at 12% a year, from ₹60K invested. At 10% it’s about ₹1.01 L.
How long does a ₹500 SIP take to reach ₹1 crore?
About 47 years at 12% a year, without any step-up. With a 10% yearly step-up it gets there much sooner.
What if I increase it every year?
With a 10% step-up each year, ₹500 SIP for 20 years at 12% grows to about ₹9.32 L instead of ₹4.6 L.
Are these returns guaranteed?
No. Equity mutual funds have delivered around 10–13% a year over long periods in India, with big swings in between. Use these as planning estimates, not promises.