Start with Just ₹500/Month — Watch It Grow
Think ₹500 is too small? See how even the smallest SIP can create wealth through the power of compounding over 10-30 years.
Key Insight: ₹500/month for 30 years at 12% = ₹17.65 L (You invest only ₹1.80 L, gains = ₹15.85 L)
₹500/Month SIP Returns Table
Pre-calculated values at different return rates
| Time Period | Total Invested | At 10% p.a. | At 12% p.a. | At 15% p.a. |
|---|---|---|---|---|
| 5 Years | ₹30,000 | ₹39,041 | ₹41,243 | ₹44,841 |
| 10 Years | ₹60,000 | ₹1.03 L | ₹1.16 L | ₹1.39 L |
| 15 Years | ₹90,000 | ₹2.09 L | ₹2.52 L | ₹3.38 L |
| 20 Years | ₹1.20 L | ₹3.83 L | ₹5.00 L | ₹7.58 L |
| 25 Years | ₹1.50 L | ₹6.69 L | ₹9.49 L | ₹16.42 L |
| 30 Years | ₹1.80 L | ₹11.40 L | ₹17.65 L | ₹35.05 L |
Interactive Returns Calculator
Adjust the return rate to see how your ₹500/month SIP grows
5 Years
₹41,243
Invested: ₹30,000
Gains: ₹11,243
10 Years
₹1.16 L
Invested: ₹60,000
Gains: ₹56,170
15 Years
₹2.52 L
Invested: ₹90,000
Gains: ₹1.62 L
20 Years
₹5.00 L
Invested: ₹1.20 L
Gains: ₹3.80 L
25 Years
₹9.49 L
Invested: ₹1.50 L
Gains: ₹7.99 L
30 Years
₹17.65 L
Invested: ₹1.80 L
Gains: ₹15.85 L
Step-Up SIP: Increase by 10% Yearly
Start at ₹500/month and increase by 10% every year. See how it compares to a flat SIP:
| Period | Flat SIP (₹500/mo) | Step-Up SIP (10%/yr) | Extra Wealth |
|---|---|---|---|
| 5 Years | ₹41,243 | ₹49,248 | +₹8,005 |
| 10 Years | ₹1.16 L | ₹1.69 L | +₹52,704 |
| 15 Years | ₹2.52 L | ₹4.35 L | +₹1.82 L |
| 20 Years | ₹5.00 L | ₹9.96 L | +₹4.96 L |
| 25 Years | ₹9.49 L | ₹21.40 L | +₹11.92 L |
| 30 Years | ₹17.65 L | ₹44.23 L | +₹26.58 L |
Start small, grow big: Even a ₹500 SIP with 10% annual step-up can grow into a substantial corpus. The habit of investing regularly matters more than the starting amount.
Frequently Asked Questions
Common questions about ₹500 monthly SIP
Can I start SIP with just Rs 500 per month?
Yes, many mutual funds allow SIPs starting at Rs 500 per month. Some AMCs even offer Rs 100 SIPs. Starting with Rs 500 is a great way to build the investing habit, especially for students and young professionals. You can always increase the amount later as your income grows.
Is Rs 500 SIP worth it?
Absolutely. At 12% returns, Rs 500/month grows to approximately Rs 5 lakh in 20 years and Rs 17.6 lakh in 30 years. While the amount seems small, the power of compounding turns it into a meaningful corpus over time. The key is to start early and increase annually.
Which is the best fund for Rs 500 SIP?
For a Rs 500 monthly SIP, invest the entire amount in a single Nifty 50 or Nifty Next 50 index fund. Do not split Rs 500 across multiple funds as it becomes hard to manage. Good options include UTI Nifty 50 Index Fund or HDFC Index Fund Nifty 50 Plan with low expense ratios.
How much will Rs 500 SIP become in 10 years?
At 12% annual returns, a Rs 500 monthly SIP will grow to approximately Rs 1.16 lakh in 10 years. Your total investment would be Rs 60,000 with gains of Rs 56,000. At 15% returns, it could grow to Rs 1.39 lakh.
Should I do step-up SIP instead of flat Rs 500?
Yes, a step-up SIP is highly recommended. If you increase your Rs 500 SIP by even Rs 100-200 every year, it makes a massive difference over 20-30 years. For example, a 10% annual step-up at 12% returns grows to Rs 9.5 lakh in 20 years versus Rs 5 lakh with flat SIP.
Start Your ₹500/Month SIP Today
Every big journey starts with a small step. Begin your wealth creation with just ₹500.
Disclaimer: Mutual fund investments are subject to market risks. The calculations shown are based on assumed rates of return and are for illustration purposes only. Actual returns may vary. | Trustner Asset Services Pvt. Ltd. | ARN-286886