₹500 SIP for 10, 15 & 20 Years: Returns Table

₹500 SIP value by period and return

Each cell is the estimated value at the end of the period. Read across for the expected yearly return and down for the number of years.

Years	Invested	At 8%	At 10%	At 12%	At 15%
5 years	₹30,000	₹36,983	₹39,041	₹41,243	₹44,841
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 longer you stay invested, the more of the final value comes from returns rather than your own money. After 10 years at 12%, returns are 48% of the value; after 30 years, 90%.

₹500 SIP with a 10% yearly step-up

A step-up SIP raises the monthly amount once a year, for example when your salary goes up. Starting at ₹500 and adding 10% each year, at 12%:

Years	Last monthly SIP	Invested	Value with step-up	Without step-up
10 years	₹1,179	₹95,625	₹1,68,716	₹1,16,170
15 years	₹1,899	₹1,90,635	₹4,34,192	₹2,52,288
20 years	₹3,058	₹3,43,650	₹9,94,436	₹4,99,574
25 years	₹4,925	₹5,90,082	₹21,37,773	₹9,48,818

How long a ₹500 SIP takes to reach ₹1 crore

At 12% a year, a flat ₹500 SIP reaches ₹1 crore in about 44 years 4 months. With a 10% step-up every year it gets there in about 35 years 11 months. A higher return shortens the wait and a lower one lengthens it:

Return	Flat SIP	10% step-up
8% a year	more than 50 years	42 years 4 months
10% a year	more than 50 years	39 years
12% a year	44 years 4 months	35 years 11 months
15% a year	37 years	31 years 10 months

What it is worth in today's rupees

Prices rise, so a future sum buys less than the same amount today. If inflation averages 4%, the RBI's target for CPI inflation, the ₹5 lakh a ₹500 SIP could reach in 20 years would buy about what ₹2,27,999 buys today. Over 10 years, ₹1.2 lakh would be worth about ₹78,480 in today's money. Check other rates with the inflation calculator.

How these figures are worked out

They use the usual SIP convention: you invest at the start of every month, and the expected yearly return is divided by 12 to give a monthly return. Real funds don't earn a steady return: some years are much better, some are negative, and the order matters. Use a return after the fund's expenses, and remember that gains are taxed as capital gains when you redeem. For a one-time investment, use the lumpsum calculator; for a return that doesn't depend on the market, compare a PPF (a government-set rate) or a bank FD.

Other SIP amounts

A ₹1,000 SIP could grow to ₹2,32,339 in 10 years at 12% ( ₹1,000 SIP returns).
Every extra ₹1,000 a month adds about ₹2,32,339 after 10 years at this return.

Try your own numbers. Open this SIP in the SIP calculator to change the amount, period, return and step-up, and see the year-by-year growth.

Frequently asked questions

What will a ₹500 SIP be worth in 10 years?

At an assumed 12% a year, about ₹1,16,170: ₹60,000 invested and ₹56,170 of estimated returns. At 8% it would be about ₹92,083. Mutual fund returns are market-linked, so the real figure could be higher or lower.

What will a ₹500 SIP be worth in 20 years?

About ₹4,99,574 at 12% a year, from ₹1,20,000 invested. In today's rupees, with 4% inflation, that is about ₹2,27,999.

How long does a ₹500 SIP take to reach ₹1 crore?

About 44 years 4 months at 12% a year. Raising the SIP by 10% every year cuts that to about 35 years 11 months.

How much more does a 10% step-up add to a ₹500 SIP?

Starting at ₹500 a month and raising it by 10% each year, the SIP could grow to about ₹1,68,716 in 10 years and ₹9,94,436 in 20 years at 12%, against ₹1,16,170 and ₹4,99,574 without the step-up.

Are SIP returns guaranteed?

No. A SIP invests in a mutual fund, and its returns depend on the market. They vary from year to year and can be negative over short periods. The figures here are illustrations at a steady assumed return.

Figures assume a steady return, investments at the start of each month and no tax, rounded to the nearest rupee. They are illustrations for comparison, not a forecast or advice. Mutual fund investments are subject to market risks.