Investing ₹500 a month through a SIP for 10 years at an average return of 12% a year grows to about ₹1.16 lakh. You put in ₹60,000, so ₹56,170 is returns. Keep going for 20 years and it could reach ₹5 lakh.
₹500 monthly SIP after 10 years (12% a year)
₹1,16,170
- You invest
- ₹60,000
- Returns
- ₹56,170
- After 20 years
- ₹5 lakh
₹500 SIP returns by years and rate
| Years | 8% a year | 10% a year | 12% a year | 15% a year |
|---|---|---|---|---|
| 5 years | ₹36,983 | ₹39,041 | ₹41,243 | ₹44,841 |
| 10 years | ₹92,083 | ₹1.03 lakh | ₹1.16 lakh | ₹1.39 lakh |
| 15 years | ₹1.74 lakh | ₹2.09 lakh | ₹2.52 lakh | ₹3.38 lakh |
| 20 years | ₹2.96 lakh | ₹3.83 lakh | ₹5 lakh | ₹7.58 lakh |
| 25 years | ₹4.79 lakh | ₹6.69 lakh | ₹9.49 lakh | ₹16.42 lakh |
| 30 years | ₹7.5 lakh | ₹11.4 lakh | ₹17.65 lakh | ₹35.05 lakh |
Money invested vs returns at 12%
| Years | You invest | Returns | Value |
|---|---|---|---|
| 5 years | ₹30,000 | ₹11,243 | ₹41,243 |
| 10 years | ₹60,000 | ₹56,170 | ₹1.16 lakh |
| 15 years | ₹90,000 | ₹1.62 lakh | ₹2.52 lakh |
| 20 years | ₹1.2 lakh | ₹3.8 lakh | ₹5 lakh |
| 25 years | ₹1.5 lakh | ₹7.99 lakh | ₹9.49 lakh |
| 30 years | ₹1.8 lakh | ₹15.85 lakh | ₹17.65 lakh |
At 12% a year, ₹500 a month reaches ₹1 crore in about 44 years 4 months. The longer you stay invested, the bigger the share of the final value that comes from returns rather than your own money.
With a 10% yearly step-up
| Years | Flat ₹500 a month | Step-up 10% a year | Invested with step-up |
|---|---|---|---|
| 10 years | ₹1.16 lakh | ₹1.69 lakh | ₹95,625 |
| 15 years | ₹2.52 lakh | ₹4.34 lakh | ₹1.91 lakh |
| 20 years | ₹5 lakh | ₹9.94 lakh | ₹3.44 lakh |
Compare nearby SIP amounts
| Monthly SIP | After 10 years | After 20 years |
|---|---|---|
| ₹500 a month | ₹1.16 lakh | ₹5 lakh |
| ₹1,000 a month | ₹2.32 lakh | ₹9.99 lakh |
| ₹1,500 a month | ₹3.49 lakh | ₹14.99 lakh |
| ₹2,000 a month | ₹4.65 lakh | ₹19.98 lakh |
Change the numbers
Frequently asked questions
How much will a ₹500 SIP give in 10 years?
About ₹1.16 lakh at 12% a year, from ₹60,000 invested. At 10% a year it would be about ₹1.03 lakh.
How much will a ₹500 SIP give in 20 years?
About ₹5 lakh at 12% a year, from ₹1.2 lakh invested. With a 10% yearly step-up it could reach ₹9.94 lakh.
How long does a ₹500 SIP take to reach ₹1 crore?
At 12% a year, ₹500 a month reaches ₹1 crore in about 44 years 4 months.
Mutual fund returns are not guaranteed. Equity fund gains above ₹1.25 lakh a year are taxed at 12.5% when held over a year. An estimate. Related: All SIP amounts · SIP calculator · Lumpsum calculator · PPF returns