Quick answer
A ₹500 monthly SIP could grow to about ₹1.16 lakh in 10 years and ₹5 lakh in 20 years at an assumed 12% annual return. You would have invested ₹60,000 and ₹1,20,000 respectively.
₹500 monthly SIP: maturity value by years and return
Estimated value of a ₹500 monthly SIP (invested at the start of each month) at different annual returns:
| Years | Invested | 8% return | 10% return | 12% return | 15% return |
|---|---|---|---|---|---|
| 3 years | ₹18,000 | ₹20,403 | ₹21,065 | ₹21,754 | ₹22,840 |
| 5 years | ₹30,000 | ₹36,983 | ₹39,041 | ₹41,243 | ₹44,841 |
| 7 years | ₹42,000 | ₹56,430 | ₹60,979 | ₹65,989 | ₹74,484 |
| 10 years | ₹60,000 | ₹92,083 | ₹1,03,276 | ₹1,16,170 | ₹1,39,329 |
| 15 years | ₹90,000 | ₹1,74,173 | ₹2,08,962 | ₹2,52,288 | ₹3,38,432 |
| 20 years | ₹1,20,000 | ₹2,96,474 | ₹3,82,848 | ₹4,99,574 | ₹7,57,977 |
| 25 years | ₹1,50,000 | ₹4,78,683 | ₹6,68,945 | ₹9,48,818 | ₹16,42,037 |
| 30 years | ₹1,80,000 | ₹7,50,148 | ₹11,39,663 | ₹17,64,957 | ₹35,04,910 |
The power of staying invested
At 12% a year, your ₹500 SIP turns ₹60,000 of contributions into about ₹1.16 lakh in 10 years. Staying invested for 20 years — just double the time — grows ₹1,20,000 into roughly ₹5 lakh, more than 4.3× the 10-year value. That is compounding at work.
How long to reach common goals
| Goal | Years at 12% |
|---|---|
| ₹10 lakh | 26 years |
| ₹25 lakh | 33 years |
| ₹50 lakh | 39 years |
| ₹1 crore | 45 years |
| ₹5 crore | 58 years |
Tips
- Increase your SIP each year with your salary — see the step-up SIP calculator.
- Equity returns are not guaranteed; past returns of 10–14% for diversified equity funds over long periods are not a promise.
- Gains on equity funds held over a year are taxed as LTCG above the annual exemption — check current rules.
- Compare with a one-time investment in the lumpsum calculator.
Mutual fund investments are subject to market risks. This is an estimate, not investment advice.
Open ₹500 SIP in the SIP calculator →
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