What is the return on ₹500 SIP for 20 years?

At an assumed 12% a year, ₹500 a month for 20 years grows to about ₹4,99,574. You invest ₹1,20,000, so about ₹3,79,574 is growth. At 10% it would be about ₹3,82,848.

How much is ₹500 SIP for 20 years with a 10% step-up?

If you raise the monthly amount by 10% each year, it grows to about ₹9,94,436 at 12% a year, from ₹3,43,650 invested.

SIP of ₹500 for 20 Years: Maturity Value at 8%, 10%, 12%, 15%

Return	Growth	Total	Exact
8%	₹1.76 lakh	₹2.96 lakh	₹2,96,474
10%	₹2.63 lakh	₹3.83 lakh	₹3,82,848
12%	₹3.8 lakh	₹5 lakh	₹4,99,574
15%	₹6.38 lakh	₹7.58 lakh	₹7,57,977

Raising the SIP by 10% every year (a step-up) takes it to ₹9.94 lakh at 12%, with ₹3.44 lakh put in.

Year by year at 12%

Year	Put in	Growth	Total
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

₹500 a month for other periods

Other amounts for 20 years

SIP needed for a goal

Boond is a calculator, not investment advice. Mutual fund investments are subject to market risks. Returns shown are estimates at the rates listed, before tax.

SIP of ₹500 a month for 20 years

At different returns

Year by year at 12%

₹500 a month for other periods

Other amounts for 20 years

SIP needed for a goal