Monthly SIP returns
₹500 SIP for 10 Years — Maturity Value and Returns
₹500 a month for 10 years ends up at approximately ₹1.16 lakh assuming 12% annualised returns. You will have paid in ₹60,000 of your own money, so about ₹56,170 of the final corpus is pure return.
Maturity value at 12%
₹1.16 lakh
₹60,000 invested + ₹56,170 growth over 10 years
Total invested
₹60,000
Wealth gained
₹56,170
At 10% return
₹1.03 lakh
At 15% return
₹1.39 lakh
Worth in today money
₹64,868
With 10% yearly step-up
₹1.69 lakh
Want to change the numbers?
Open the full SIP calculator and run your own amount, rate and tenure.
Year-by-year growth of a ₹500 monthly SIP at 12%
| Year | Invested | Value | Gain | Gain % |
|---|---|---|---|---|
| 1 | ₹6,000 | ₹6,405 | ₹405 | 6.7% |
| 2 | ₹12,000 | ₹13,622 | ₹1,622 | 13.5% |
| 3 | ₹18,000 | ₹21,754 | ₹3,754 | 20.9% |
| 4 | ₹24,000 | ₹30,917 | ₹6,917 | 28.8% |
| 5 | ₹30,000 | ₹41,243 | ₹11,243 | 37.5% |
| 6 | ₹36,000 | ₹52,879 | ₹16,879 | 46.9% |
| 7 | ₹42,000 | ₹65,989 | ₹23,989 | 57.1% |
| 8 | ₹48,000 | ₹80,763 | ₹32,763 | 68.3% |
| 9 | ₹54,000 | ₹97,411 | ₹43,411 | 80.4% |
| 10 | ₹60,000 | ₹1,16,170 | ₹56,170 | 93.6% |
Same SIP at different return rates
| Annual return | Corpus after 10 years | Gain over invested |
|---|---|---|
| 8% | ₹92,083 | ₹32,083 |
| 10% | ₹1,03,276 | ₹43,276 |
| 12% | ₹1,16,170 | ₹56,170 |
| 14% | ₹1,31,046 | ₹71,046 |
| 15% | ₹1,39,329 | ₹79,329 |
What ₹1.16 lakh is actually worth in 2036
Nominal numbers flatter long horizons. At 6% average inflation, the ₹1.16 lakh you receive after 10 years has the purchasing power of about ₹64,868 in today's money. That is still comfortably ahead of the ₹60,000 you put in, but it is the figure you should plan a real-world goal around.
This is the single biggest reason a ₹500 SIP that looks adequate on paper can fall short of an actual goal 10 years out. Always check the inflation-adjusted column before deciding the amount is enough.
Why a step-up beats a flat ₹500
Keeping the SIP frozen at ₹500 for 10 years assumes your income never rises. Increasing it by just 10% a year — roughly a normal appraisal — takes the same plan to about ₹1.69 lakh, which is 45.2% more without ever feeling like a bigger sacrifice.
Most fund houses let you set this up once as a "step-up SIP" or "top-up SIP" mandate so it happens automatically every April.
Equity SIP versus the same money in a deposit
Putting ₹500 a month into a 7% recurring deposit for the same 10 years would end at roughly ₹87,047 — before tax. Deposit interest is taxed at your slab rate, so a 30%-bracket saver keeps closer to ₹77,543.
Equity returns are not guaranteed and a 10-year window can contain long flat stretches. The trade-off is the point: you accept volatility in exchange for an expected ₹29,122 of extra corpus.
Frequently asked questions
Short, specific answers — no sign-up, no sales pitch.
How much will I get if I invest ₹500 per month for 10 years?
At a 12% annual return you would accumulate about ₹1.16 lakh — ₹60,000 of contributions plus ₹56,170 of growth. At a more conservative 10% it is ₹1.03 lakh, and at 15% it is ₹1.39 lakh.
Is ₹500 a month enough for 10 years?
It depends on the goal, not the amount. ₹1.16 lakh nominal is roughly ₹64,868 in today's purchasing power after 10 years of 6% inflation. Compare that against what your goal actually costs today and increase the SIP if there is a gap.
What return rate should I assume for a 10-year SIP?
For diversified equity funds, 12% is the conventional planning assumption and 10% is the conservative one. Indian equity indices have delivered roughly 11-13% over long rolling periods, but no rate is guaranteed. Plan with 10-12% and treat anything above as a bonus.
Will I pay tax on this ₹500 SIP?
Equity mutual fund gains held over a year are long-term capital gains, taxed at 12.5% above the ₹1.25 lakh annual exemption. Because SIP units are bought monthly, each instalment has its own holding period, so redeem oldest-first to stay long-term.
Can I stop or pause a SIP midway?
Yes. SIPs have no lock-in except in ELSS funds, which lock each instalment for three years. You can pause, reduce or stop at any time without penalty, and existing units keep compounding.
Related calculations
₹500 SIP for 5 years
Maturity value at 12%: ₹41,243
₹500 SIP for 15 years
Maturity value at 12%: ₹2.52 lakh
₹500 SIP for 20 years
Maturity value at 12%: ₹5.00 lakh
₹500 SIP for 25 years
Maturity value at 12%: ₹9.49 lakh
₹1,000 SIP for 5 years
Maturity value at 12%: ₹82,486
₹1,000 SIP for 10 years
Maturity value at 12%: ₹2.32 lakh
Full interactive calculators
SIP Calculator
Monthly investment growth with inflation adjustment.
Goal SIP Planner
Work backwards from a target corpus.
EMI Calculator
Loan instalments with prepayment savings.
Income Tax Calculator
New vs old regime for FY 2026-27.
8th Pay Commission Calculator
Projected salary at any fitment factor.
All calculations
Browse every ready-made answer page.
Figures are mathematical projections based on the stated assumptions. Market-linked returns are not guaranteed. This is educational information, not investment advice.