A SIP of ₹500 a month for 20 years can grow to about ₹5 lakh (₹4,99,574) at a 12% yearly return. You put in ₹1,20,000 and growth adds ₹3,79,574.
₹500 ki SIP 20 saal me 12% return par lagbhag ₹5 lakh ban sakti hai. Return guaranteed nahi hai; market ke hisaab se kam-zyada ho sakta hai.
| Year | You put in | It becomes |
|---|---|---|
| 1 | ₹6,000 | ₹6,405 |
| 2 | ₹12,000 | ₹13,622 |
| 3 | ₹18,000 | ₹21,754 |
| 4 | ₹24,000 | ₹30,917 |
| 5 | ₹30,000 | ₹41,243 |
| 6 | ₹36,000 | ₹52,879 |
| 7 | ₹42,000 | ₹65,989 |
| 8 | ₹48,000 | ₹80,763 |
| 9 | ₹54,000 | ₹97,411 |
| 10 | ₹60,000 | ₹1,16,170 |
| 11 | ₹66,000 | ₹1,37,307 |
| 12 | ₹72,000 | ₹1,61,126 |
| 13 | ₹78,000 | ₹1,87,966 |
| 14 | ₹84,000 | ₹2,18,209 |
| 15 | ₹90,000 | ₹2,52,288 |
| 16 | ₹96,000 | ₹2,90,689 |
| 17 | ₹1,02,000 | ₹3,33,960 |
| 18 | ₹1,08,000 | ₹3,82,720 |
| 19 | ₹1,14,000 | ₹4,37,663 |
| 20 | ₹1,20,000 | ₹4,99,574 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.