What a ₹500 monthly SIP becomes in 20 years at 15% returns
₹500/month SIP for 20 years at 15% → invested ₹1,20,000, value ₹7,57,977, gains ₹6,37,977.
- Total invested
- ₹1,20,000
- Maturity value
- ₹7,57,977
- Wealth gained
- ₹6,37,977
| 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 | ₹44,841 | ₹14,841 |
| 10 years | ₹60,000 | ₹1,39,329 | ₹79,329 |
| 15 years | ₹90,000 | ₹3,38,432 | ₹2,48,432 |
| 20 years | ₹1,20,000 | ₹7,57,977 | ₹6,37,977 |
| 25 years | ₹1,50,000 | ₹16,42,037 | ₹14,92,037 |
| 30 years | ₹1,80,000 | ₹35,04,910 | ₹33,24,910 |
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 15% a year, about ₹7,57,977 — you invest ₹1,20,000 and gain ₹6,37,977. 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.