₹500 a month SIP: how much will it grow?
Rules for FY 2026-27 · Checked 24 October 2026
Short answer
At 12% a year, a ₹500 monthly SIP grows to ₹1.16L in 10 years and ₹5L in 20 years. It reaches ₹1 crore in about 44 years 4 months. Returns are not guaranteed; the table shows 10% and 14% too.
- After 10 years₹1.16L₹60k invested
- After 20 years₹5L₹1.2L invested
- With 10% yearly step-up₹9.94LAfter 20 years
- To reach ₹1 crore45 yearsAt 12% a year
₹500 SIP returns table
| Years | Invested | At 10% | At 12% | At 14% |
|---|---|---|---|---|
| 5 years | ₹30k | ₹39k | ₹41.2k | ₹43.6k |
| 10 years | ₹60k | ₹1.03L | ₹1.16L | ₹1.31L |
| 15 years | ₹90k | ₹2.09L | ₹2.52L | ₹3.06L |
| 20 years | ₹1.2L | ₹3.83L | ₹5L | ₹6.58L |
| 25 years | ₹1.5L | ₹6.69L | ₹9.49L | ₹13.64L |
| 30 years | ₹1.8L | ₹11.4L | ₹17.65L | ₹27.79L |
Each instalment is invested at the start of the month and compounds monthly. Mutual fund returns go up and down; use the rates as a range, not a promise.
Change the numbers
Value after 20 years₹4,99,574
5 lakh from ₹1,20,000 invested.
- Your money grows 4.16×.
- From year 11, your returns are bigger than everything you put in.
- Leave it 5 more years and it becomes ₹9.08L.
Total value₹5L
- Amount invested₹1,20,000
- Estimated returns₹3,79,574
Year-by-year table
| Year | Invested | Returns | Value |
|---|---|---|---|
| 1 | ₹6,000 | ₹405 | ₹6,405 |
| 2 | ₹12,000 | ₹1,622 | ₹13,622 |
| 3 | ₹18,000 | ₹3,754 | ₹21,754 |
| 4 | ₹24,000 | ₹6,917 | ₹30,917 |
| 5 | ₹30,000 | ₹11,243 | ₹41,243 |
| 6 | ₹36,000 | ₹16,879 | ₹52,879 |
| 7 | ₹42,000 | ₹23,989 | ₹65,989 |
| 8 | ₹48,000 | ₹32,763 | ₹80,763 |
| 9 | ₹54,000 | ₹43,411 | ₹97,411 |
| 10 | ₹60,000 | ₹56,170 | ₹1,16,170 |
| 11 | ₹66,000 | ₹71,307 | ₹1,37,307 |
| 12 | ₹72,000 | ₹89,126 | ₹1,61,126 |
| 13 | ₹78,000 | ₹1,09,966 | ₹1,87,966 |
| 14 | ₹84,000 | ₹1,34,209 | ₹2,18,209 |
| 15 | ₹90,000 | ₹1,62,288 | ₹2,52,288 |
| 16 | ₹96,000 | ₹1,94,689 | ₹2,90,689 |
| 17 | ₹1,02,000 | ₹2,31,960 | ₹3,33,960 |
| 18 | ₹1,08,000 | ₹2,74,720 | ₹3,82,720 |
| 19 | ₹1,14,000 | ₹3,23,663 | ₹4,37,663 |
| 20 | ₹1,20,000 | ₹3,79,574 | ₹4,99,574 |
Frequently asked questions
How much will a ₹500 SIP be worth in 10 years?
About ₹1.16L at 12% a year, from ₹60k invested. At 10% it would be ₹1.03L.
How much will a ₹500 SIP be worth in 20 years?
About ₹5L at 12% a year. Raising the SIP by 10% every year takes it to about ₹9.94L.
How long does a ₹500 SIP take to reach ₹1 crore?
About 44 years 4 months at 12% a year, if you keep investing every month.