SIP Calculator for ₹500 per Month
A ₹500/month SIP is one of the most accessible ways to start investing in mutual funds. Here's exactly how much ₹500 per month grows over time at different return rates.
₹500/month · 10 years · 12% p.a.
₹1.16 L
Invested: ₹60,000 · Gains: ₹56,170
Returns at Different Annual Rates (10 Years)
| Return Rate | Invested | Wealth Gained | Total Corpus |
|---|---|---|---|
| 10% (Conservative) | ₹60,000 | ₹43,276 | ₹1.03 L |
| 12% (Moderate) | ₹60,000 | ₹56,170 | ₹1.16 L |
| 15% (Optimistic) | ₹60,000 | ₹79,329 | ₹1.39 L |
Estimates only. Past performance does not guarantee future returns.
₹500/Month SIP — Year-by-Year Growth
| Years | Invested | At 10% | At 12% | At 15% |
|---|---|---|---|---|
| 5 yrs | ₹30,000 | ₹39,041 | ₹41,243 | ₹44,841 |
| 10 yrs ★ | ₹60,000 | ₹1.03 L | ₹1.16 L | ₹1.39 L |
| 15 yrs | ₹90,000 | ₹2.09 L | ₹2.52 L | ₹3.38 L |
| 20 yrs | ₹1.20 L | ₹3.83 L | ₹5.00 L | ₹7.58 L |
| 25 yrs | ₹1.50 L | ₹6.69 L | ₹9.49 L | ₹16.42 L |
| 30 yrs | ₹1.80 L | ₹11.40 L | ₹17.65 L | ₹35.05 L |
★ marks your selected tenure above.
Frequently Asked Questions
How much will ₹500/month SIP grow in 10 years?
At 12% annual returns, ₹500/month SIP for 10 years grows to approximately ₹1.16 lakhs. Your total invested amount is ₹60,000 and wealth gained from returns is ₹56,000. The earlier you start, the more compounding works in your favor.
Is ₹500 SIP worth starting?
Absolutely. The habit and discipline of investing regularly matters far more than the amount. ₹500/month started at age 22 grows significantly more than ₹5,000/month started at age 35. Start small, increase as income grows.
Which fund is best for a ₹500 SIP?
For small SIPs, index funds (Nifty 50 or Nifty Next 50) are excellent choices due to low expense ratios and consistent performance. Many AMCs allow SIPs starting at ₹500 with monthly auto-debit from your bank.
Calculate with Your Own Numbers
Use our interactive SIP calculator to model any monthly amount, return rate, and tenure.
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