Great question! Even with ₹500, you can start investing in mutual funds, thanks to SIP (Systematic Investment Plan) options offered by many fund houses.
Returns You Can Expect with ₹500 SIP Investment
Assumptions:
| Parameter | Conservative Case | Moderate Case | Aggressive Case |
| Type of Fund | Debt Fund | Hybrid Fund | Equity Fund |
| Expected Annual Return | ~6% p.a. | ~10% p.a. | ~12–15% p.a. |
Estimated Value After 5, 10, 15, 20 Years
(₹500 per month SIP)
| Year | @6% (Debt) | @10% (Hybrid) | @12% (Equity) | @15% (Aggressive Equity) |
| 5 | ₹34,000 | ₹39,000 | ₹41,000 | ₹43,000 |
| 10 | ₹81,000 | ₹1.03 lakh | ₹1.15 lakh | ₹1.39 lakh |
| 15 | ₹1.42 lakh | ₹2.28 lakh | ₹2.61 lakh | ₹3.52 lakh |
| 20 | ₹2.33 lakh | ₹4.15 lakh | ₹5.23 lakh | ₹8.36 lakh |
Key Points
- Start small, but start early – time is your biggest asset.
- Equity funds may offer higher returns over the long term, but with more volatility.
- Debt funds are more stable, ideal for short-term or conservative goals.
- Choose Direct Plan – Growth Option for long-term wealth creation.
Great question! Even with ₹500, you can start investing in mutual funds, thanks to SIP (Systematic Investment Plan) options offered by many fund houses.
Returns You Can Expect with ₹500 SIP Investment
Assumptions:
| Parameter | Conservative Case | Moderate Case | Aggressive Case |
| Type of Fund | Debt Fund | Hybrid Fund | Equity Fund |
| Expected Annual Return | ~6% p.a. | ~10% p.a. | ~12–15% p.a. |
Estimated Value After 5, 10, 15, 20 Years
(₹500 per month SIP)
| Year | @6% (Debt) | @10% (Hybrid) | @12% (Equity) | @15% (Aggressive Equity) |
| 5 | ₹34,000 | ₹39,000 | ₹41,000 | ₹43,000 |
| 10 | ₹81,000 | ₹1.03 lakh | ₹1.15 lakh | ₹1.39 lakh |
| 15 | ₹1.42 lakh | ₹2.28 lakh | ₹2.61 lakh | ₹3.52 lakh |
| 20 | ₹2.33 lakh | ₹4.15 lakh | ₹5.23 lakh | ₹8.36 lakh |
Key Points
- Start small, but start early – time is your biggest asset.
- Equity funds may offer higher returns over the long term, but with more volatility.
- Debt funds are more stable, ideal for short-term or conservative goals.
- Choose Direct Plan – Growth Option for long-term wealth creation.
