What a ₹500 monthly SIP becomes in 20 years at 12% returns
₹500/month SIP for 20 years at 12% → invested ₹1,20,000, value ₹4,99,574, gains ₹3,79,574.
- Total invested
- ₹1,20,000
- Maturity value
- ₹4,99,574
- Wealth gained
- ₹3,79,574
| Return / tenure | Invested | Value | Gains |
|---|---|---|---|
| 10% p.a. | ₹1,20,000 | ₹3,82,848 | ₹2,62,848 |
| 12% p.a. | ₹1,20,000 | ₹4,99,574 | ₹3,79,574 |
| 15% p.a. | ₹1,20,000 | ₹7,57,977 | ₹6,37,977 |
| 5 years | ₹30,000 | ₹41,243 | ₹11,243 |
| 10 years | ₹60,000 | ₹1,16,170 | ₹56,170 |
| 15 years | ₹90,000 | ₹2,52,288 | ₹1,62,288 |
| 20 years | ₹1,20,000 | ₹4,99,574 | ₹3,79,574 |
| 25 years | ₹1,50,000 | ₹9,48,818 | ₹7,98,818 |
| 30 years | ₹1,80,000 | ₹17,64,957 | ₹15,84,957 |
How this is calculated
Value = A × ((1 + i)^n − 1) ÷ i × (1 + i), where A is the monthly amount, i the monthly return (annual ÷ 12 ÷ 100) and n the number of months.
SIP कैलकुलेटर: हर महीने की SIP 5, 10, 15 या 20 साल में कितनी बनेगी — कुल निवेश, मैच्योरिटी वैल्यू और फ़ायदा, सटीक आँकड़ों के साथ।
Frequently asked
How much will a ₹500/month SIP be worth after 20 years?
At 12% a year, about ₹4,99,574 — you invest ₹1,20,000 and gain ₹3,79,574. Returns are assumed, not guaranteed.
What return should I assume for a SIP?
Equity mutual funds in India have historically delivered 10–14% a year over 10+ year periods, but returns are not guaranteed. 12% is the common planning assumption; run 10% as a conservative case.
Does the SIP date matter?
Over long periods the SIP date makes a negligible difference. Consistency and staying invested through market falls matter far more than timing.
What is a step-up SIP?
Increasing the SIP amount every year (say 10%) as your income grows. A 10% annual step-up on a 20-year SIP roughly doubles the final corpus compared with a flat SIP.
Figures are computed exactly from the stated inputs. Bank rates, processing fees, insurance and taxes vary — treat this as the arithmetic, not an offer. Last computed October 2026.