500 SIP for 20 years

Sneha Menon, a 31 year old Nurse from Pune, is exploring small cap funds through a Systematic Investment Plan (SIP). By investing ₹500 per month over 20 years , Sneha Menon aims to leverage the power of compounding. With an estimated annual return of around 16%, Sneha Menon's monthly SIP could accumulate a total corpus of approximately ₹7.51 L over 20 years . If he invests yearly for 20 years , this amounts to a corpus of about ₹8.03 L, while a one-time lump sum investment for the same period could potentially grow to ₹23.35 L . These figures highlight the growth opportunities available through disciplined SIP investing.

SIP Plan Benefits

Start SIP with as low as ₹1000

No hidden charges

Save upto ₹46,800 in Taxunder section 80C^{^}

Zero LTCG Tax^¶

Disciplined & worry-free investing

Example for 500 SIP for 20 years

Monthly Investment: ₹500
Duration: 20 years
Investment Categories: Small Cap (16%), Mid Cap (14%), Large Cap (12%)

SIP Investment Breakdown by Fund Type

Small Cap Investment (16% Annual Return)

Using the SIP calculator and assuming return of 16% (annually). We will get:

Monthly SIP:
- Monthly Investment: ₹500
- Duration: 20 years
- Expected Annual Rate of Return: 16%
- Fund Type: Small Cap
- Total Investment: ₹1.2 L
- Total Returns: ₹6.31 L
- Total Corpus: ₹7.51 L
Yearly SIP:

If you invest 6 K yearly for 20 years , you will get:
- Yearly Investment: ₹6 K
- Duration: 20 years
- Expected Annual Rate of Return: 16%
- Fund Type: Small Cap
- Total Investment: ₹1.2 L
- Total Returns: ₹6.83 L
- Total Corpus: ₹8.03 L
Lumpsum Investment:
- Lumpsum Investment = ₹1.2 L
- Duration: 20 years
- Expected Annual Rate of Return: 16%
- Fund Type: Small Cap
- Total Investment: ₹1.2 L
- Total Returns: ₹22.15 L
- Total Corpus: ₹23.35 L

I know my investment amount I know my goal amount

Monthly SIP Yearly SIP Lumpsum

I want to invest Pro Tip

Financial experts suggest that a person should invest 10-15% of their monthly income for long-term financial growth

/Month

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

Years

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

Total Wealth ₹1.03 Cr

View Plans

I want to save

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

Years

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

Monthly Investment ₹22.4 L

View Plans

Top Funds with High Returns (Past 7 Years)

13.24%

Equity Pension

15.49%

Global Equity Index Funds Strategy

19.07%

High Growth Fund

13.44%

Opportunities Fund

21.15%

Multi Cap Fund

14.53%

Accelerator Mid-Cap Fund II

15.89%

Multiplier

14.92%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

11.57%

Growth Plus Fund

14.8%

US Equity Fund

15.31%

Growth Opportunities Plus Fund

11.95%

Equity Top 250 Fund

14.36%

Future Apex Fund

12.28%

Pension Dynamic Equity Fund

14.68%

Pension Enhanced Equity

Mid-Cap Investment (14% Annual Return)

Using the SIP calculator and assuming return of 14% (annually). We will get:

Monthly SIP:
- Monthly Investment: ₹500
- Duration: 20 years
- Expected Annual Rate of Return: 14%
- Fund Type: Mid Cap
- Total Investment: ₹1.2 L
- Total Returns: ₹4.67 L
- Total Corpus: ₹5.87 L
Yearly SIP:

If you invest 6 K lumpsum for 20 years , you will get:
- Yearly Investment: ₹6 K
- Duration: 20 years
- Expected Annual Rate of Return: 14%
- Fund Type: Mid Cap
- Total Investment: ₹1.2 L
- Total Returns: ₹5.03 L
- Total Corpus: ₹6.23 L
Lumpsum Investment:
- Total Investment = ₹1.2 L
- Duration: 20 years
- Expected Annual Rate of Return: 14%
- Fund Type: Mid Cap
- Total Investment: ₹1.2 L
- Total Returns: ₹15.29 L
- Total Corpus: ₹16.49 L

Best SIP Funds

Tax Saving Funds Large Cap Low Return Funds Mid Cap Mid Return Funds Multi Cap Debt Funds Shariah Funds Balanced Funds

Payment Mode

Invest

₹ 10,000

Invest for

High Growth Fund

AUM (Cr)

₹11,792

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 26.3 22.2 19.07 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,722

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.47 17.7 16.12 %

View Fund

Instant tax receipt

Virtue II

AUM (Cr)

₹3,366

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 18.02 17.37 15.56 %

View Fund

Instant tax receipt

Grow Money Plus Fund

AUM (Cr)

₹440

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.08 15.23 15.17 %

View Fund

Instant tax receipt

Opportunities Fund

AUM (Cr)

₹36,958

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.53 16.08 15.03 %

View Fund

Instant tax receipt

Frontline Equity Fund

AUM (Cr)

₹4,690

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.56 16.34 14.92 %

View Fund

Instant tax receipt

Accelerator Fund

AUM (Cr)

₹239

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.95 16.37 14.65 %

View Fund

Instant tax receipt

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,748

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.52 14.5 14.53 %

View Fund

Instant tax receipt

Diversified Equity Fund

AUM (Cr)

₹3,688

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.62 14.58 14.42 %

View Fund

Instant tax receipt

Future Apex Fund

AUM (Cr)

₹113

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.56 16.04 14.36 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,722

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.47 17.7 16.12 %

View Fund

Virtue II

AUM (Cr)

₹3,366

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 18.02 17.37 15.56 %

View Fund

Grow Money Plus Fund

AUM (Cr)

₹440

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.08 15.23 15.17 %

View Fund

Frontline Equity Fund

AUM (Cr)

₹4,690

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.56 16.34 14.92 %

View Fund

Accelerator Fund

AUM (Cr)

₹239

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.95 16.37 14.65 %

View Fund

Diversified Equity Fund

AUM (Cr)

₹3,688

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.62 14.58 14.42 %

View Fund

Future Apex Fund

AUM (Cr)

₹113

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.56 16.04 14.36 %

View Fund

Growth Super Fund

AUM (Cr)

₹13,086

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.56 14.05 13.74 %

View Fund

Bluechip Equity Fund

AUM (Cr)

₹1,008

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.9 14.33 13.49 %

View Fund

Super 20

AUM (Cr)

₹2,189

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.7 13.86 13.36 %

View Fund

High Growth Fund

AUM (Cr)

₹11,792

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 26.3 22.2 19.07 %

View Fund

Opportunities Fund

AUM (Cr)

₹36,958

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.53 16.08 15.03 %

View Fund

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,748

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.52 14.5 14.53 %

View Fund

Multi Cap Fund

AUM (Cr)

₹9,302

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.87 22.18 21.15 %

View Fund

Growth Opportunities Plus Fund

AUM (Cr)

₹1,037

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.48 15.93 15.31 %

View Fund

Classic Opportunities Fund

AUM (Cr)

₹13,897

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.92 15 13.95 %

View Fund

Opportunities Fund

AUM (Cr)

₹3,553

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.7 14.89 13.44 %

View Fund

Flexi Cap

AUM (Cr)

₹1,143

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.41 14.79 13.32 %

View Fund

Equity Top 250 Fund

AUM (Cr)

₹542

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.16 13.18 11.95 %

View Fund

Asset Allocation

AUM (Cr)

₹269

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.88 10.89 11.28 %

View Fund

Whole Life Income Fund

AUM (Cr)

₹826

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.72 7.34 7.62 %

View Fund

Debt Fund

AUM (Cr)

₹480

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.44 7.51 7.45 %

View Fund

Individual Preserver Pension Fund

AUM (Cr)

₹172

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.28 6.94 7.26 %

View Fund

Steady Money Fund

AUM (Cr)

₹77

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.45 6.97 7.15 %

View Fund

Bond Fund

AUM (Cr)

₹119

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.87 6.94 7.12 %

View Fund

Dynamic Gilt Fund

AUM (Cr)

₹187

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 4.64 6.57 7.04 %

View Fund

Debt Fund

AUM (Cr)

₹91

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.29 6.98 6.98 %

View Fund

Bond Fund

AUM (Cr)

₹18,375

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.29 6.82 6.96 %

View Fund

Secure Fund

AUM (Cr)

₹1,031

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.73 6.79 6.94 %

View Fund

Whole Life Aggressive Growth Fund

AUM (Cr)

₹917

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.31 17.05 15.95 %

View Fund

Balanced Fund

AUM (Cr)

₹365

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.69 11.59 10.98 %

View Fund

Balanced Fund

AUM (Cr)

₹5,476

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.55 10.79 10.66 %

View Fund

Save N Grow Money Fund

AUM (Cr)

₹67

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.79 10.17 10.47 %

View Fund

Creator

AUM (Cr)

₹485

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10 10.46 10.45 %

View Fund

Balanced Fund

AUM (Cr)

₹22,457

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.65 10.39 10.32 %

View Fund

Asset Allocation Fund II

AUM (Cr)

₹281

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.8 10.59 10.32 %

View Fund

Balancer II

AUM (Cr)

₹833

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.84 10.83 10.21 %

View Fund

Growth Fund

AUM (Cr)

₹7,453

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.41 10.52 10.12 %

View Fund

Stable Fund

AUM (Cr)

₹18

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.81 10 9.93 %

View Fund

Super Select Equity Fund

AUM (Cr)

₹1,309

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.94 14.56 13.98 %

View Fund

Pure Stock Fund

AUM (Cr)

₹7,449

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.39 14.66 13.73 %

View Fund

Pure Equity

AUM (Cr)

₹3,075

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.52 13.99 13.26 %

View Fund

Large Cap Investment (12% Annual Return)

Using the SIP calculator and assuming return of 12% (annually). We will get:

Monthly SIP:
- Monthly: ₹500
- Duration: 20 years
- Expected Annual Rate of Return: 12%
- Fund Type: Large Cap
- Investment: ₹1.2 L
- Returns: ₹3.4 L
- Total Corpus: ₹4.6 L
Yearly SIP:

If you invest 6 K lumpsum for 20 years , you will get:
- Investment: ₹1.2 L
- Duration: 20 years
- Expected Annual Rate of Return: 12%
- Fund Type: Large Cap
- Total Investment: ₹1.2 L
- Returns: ₹3.64 L
- Total Corpus: ₹4.84 L
Lumpsum Investment:
- Total Investment = ₹1.2 L
- Duration: 20 years
- Expected Annual Rate of Return: 12%
- Fund Type: Large Cap
- Total Investment: ₹1.2 L
- Total Returns: ₹10.38 L
- Total Corpus: ₹11.58 L

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
Equity Fund SBI Life Rating	13.82%	13.34%	12.6% View Plan
Opportunities Fund HDFC Life Rating	20.53%	16.08%	15.03% View Plan
High Growth Fund Axis Max Life Rating	26.3%	22.2%	19.07% View Plan
Opportunities Fund ICICI Prudential Life Rating	16.7%	14.89%	13.44% View Plan
Multi Cap Fund Tata AIA Life Rating	21.87%	22.18%	21.15% View Plan
Accelerator Mid-Cap Fund II Bajaj Life Rating	17.52%	14.5%	14.53% View Plan
Multiplier Birla Sun Life Rating	19.43%	16.41%	15.89% View Plan
Pension Mid Cap Fund PNB MetLife Rating	31.41%	24.68%	18.41% View Plan
Growth Plus Fund Canara HSBC Life Rating	12.97%	11.89%	11.57% View Plan
US Equity Fund Star Union Dai-ichi Life Rating	15.2%	-	14.8% View Plan

Fund rating powered by

Last updated: Nov 2025

Compare more funds

Fund Name	AUM	Return 3 Years	Return 5 Years	Return 10 Years	Minimum Investment	Return Since Launch
Motilal Oswal BSE Enhanced Value Index Fund Regular - Growth	₹822.00 Crs	35.31%	N/A	N/A	₹500	35.07%
Bandhan Small Cap Fund Regular-Growth	₹14,062.19 Crs	29.34%	30.26%	N/A	₹1,000	31.59%
Motilal Oswal Midcap Fund Regular-Growth	₹33,608.53 Crs	25.97%	33.24%	17.66%	₹500	22.31%
ICICI Prudential Infrastructure Fund-Growth	₹7,941.20 Crs	28.79%	37.23%	17.14%	₹5,000	15.97%
Canara Robeco Large Cap Fund Regular-Growth	₹16,406.92 Crs	16.08%	17.34%	13.87%	₹100	12.99%
Mirae Asset Large Cap Fund Direct- Growth	₹39,975.32 Crs	14.85%	17.48%	14.46%	₹5,000	16.26%
Kotak Midcap Fund Regular-Growth	₹57,375.20 Crs	22.42%	27.51%	18.07%	₹100	15.26%
SBI Small Cap Fund-Growth	₹35,562.96 Crs	13.89%	23.99%	18.17%	₹5,000	19.25%
SBI Gold ETF	₹8,810.86 Crs	31.81%	17.85%	15.14%	₹5,000	12.57%

Last updated: Nov 2025

Compare more funds

Calculate your SIP

Market Linked Insurance Plan vs Others Equity Investments

FAQs

What is the total amount I will invest in 20 years with a ₹500 monthly SIP?

If you will invest monthly 500 sip for 20 years :
Amount = 500

Investment Duration = 20 years

Total corpus will be ₹500 × 12 months × 20 years = ₹1.2 L

The magic happens through compounding and long-term growth, turning this into much higher values depending on the fund type and returns.
How does the final corpus differ between small cap, mid cap, and large cap funds?

Assuming average returns:
Small Cap Fund (16%): Final corpus = ₹7.51 L

Mid Cap Fund (14%): Final corpus = ₹5.87 L

Large Cap Fund (12%): Final corpus = ₹4.6 L

These examples show how even a small change in return percentage can make a big difference over 20 years .
How much profit will I actually make from a 500 monthly SIP for 20 years ?

Subtracting your total investment of ₹1.2 L:
Small Cap: Profit ~₹7.51 L - ₹1.2 L = ₹6.31 L

Mid Cap: Profit ~₹5.87 L - ₹1.2 L = ₹4.67 L

Large Cap: Profit ~₹4.6 L - ₹1.2 L = ₹3.4 L
How much can I expect to earn if I invest ₹500 per month for 20 years ?

The return depends on the type of fund and the expected annual return:
Small Cap (16%): ~₹7.51 L

Mid Cap (14%): ~₹5.87 L

Large Cap (12%): ~₹4.6 L

These are estimates and actual returns can vary based on market conditions.

500 SIP for 20 years

Example for 500 SIP for 20 years

SIP Investment Breakdown by Fund Type

Small Cap Investment (16% Annual Return)

Monthly SIP:

Yearly SIP:

Lumpsum Investment:

Mid-Cap Investment (14% Annual Return)

Monthly SIP:

Yearly SIP:

Lumpsum Investment:

Best SIP Funds

Large Cap Investment (12% Annual Return)

Monthly SIP:

Yearly SIP:

Lumpsum Investment:

Explore More Under 500 SIP

FAQs

What is the total amount I will invest in 20 years with a ₹500 monthly SIP?

How does the final corpus differ between small cap, mid cap, and large cap funds?

How much profit will I actually make from a 500 monthly SIP for 20 years ?

How much can I expect to earn if I invest ₹500 per month for 20 years ?

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