500 SIP for 5 Years
What if a small monthly amount could quietly build a habit that pays off? A ₹500 SIP for 5 years is a simple, low-pressure way to begin investing, especially for short term goals. Even within a year, compounding returns have the potential to make a difference, turning ₹6,000 into approximately ₹6,232 at an estimated 7% return. It’s not about big gains, but about building the habit.
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Want to visualise how even small amounts can grow? Start small, stay consistent, and use Bajaj Finserv AMC’s SIP calculator to guide your next move.
Example for illustrative purpose only. The calculator is an aid, not a prediction tool. It may provide only an indicative picture.
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Flexi Cap Fund
Small Cap Fund
Large and Mid Cap Fund
Large Cap Fund
Multi Cap Fund
Banking and Financial Services Fund
Healthcare Fund
Consumption Fund
ELSS Tax Saver Fund
Multi Asset Allocation Fund
Balanced Advantage Fund
Equity Savings Fund
Arbitrage Fund
Nifty 50 Index Fund
Nifty Next 50 Index Fund
Low Duration Fund
Liquid Fund
Overnight Fund
Money Market Fund
Banking and PSU Fund
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Why Invest With Us?
Advantage
AdvantageOur investment philosophy combines behavioural finance with data & ana... Read More
Rs. 32,569.43 crore
Our total Assets Under Management as on January 31, 2026.
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Our Investment Philosophy
Our Investment Philosophy reflects what we, as an organisation, believe will generate a good return on equity investment for our investors in the long term. It dictates our goals and guides decision making. Alpha (a) is a term used in investing to describe an investment strategy's ability to beat the market. Alpha is thus also often referred to as excess return or the abnormal rate of return in relation to a benchmark, when adjusted for risk. Essentially, it means doing better than the crowd without taking disproportionate risk.
Information Edge
Collecting superior information
Information Edge
Collecting superior information
Analysts and portfolio managers strive to collect superior information about the business and the management of the company. They try to generate superior earnings forecast and the balance strength of the company and the industry, thereby trying to ‘beat the market’ on information edge. This is an important source of alpha for an investor. However, over the years, retaining the information edge has become more difficult and expensive. With a whole lot of investors trying to collect superior information, how can an investor be sure to continuously have accurate and material information about the companies, ahead of others, all the time?
Quantitative Edge
Processing information better
Quantitative Edge
Processing information better
Even if you don’t have material information earlier than the crowd, you can still generate better outcomes if you are able to process this information better. Investors develop models and algorithms with enhanced predictive powers to forecast the next move. Fund managers who invest based on some pure formal analytical models are quantitative managers. Here, the goal is to try and beat other investors based on the sophistication of procedures or analytics. The analytical edge can be quite useful until it gets copied by many, and then it may stop generating superior returns.
Behavioural Edge
Exploiting behavioural biases
Behavioural Edge
Exploiting behavioural biases
As the name suggests, this edge is achieved by superior behaviour in reacting to the inputs available to maximise alpha. Modern finance assumes people behave with extreme rationality. However, researchers in behavioural finance have shown that this is not true. Moreover, these deviations from rationality are often systematic. Behavioural managers try to exploit situations where securities are mispriced by the market because of behavioural factors. At Bajaj Finserv AMC, we endeavour to combine the best of these edges.
Fixed Income
Quality and liquidity
Fixed Income
Quality and liquidity
Mutual Fund Categories
Build long-term wealth with Bajaj Finserv AMC’s equity mutual funds, designed to invest in a diversified portfolio of stocks Know More
Diversify your portfolio to reduce risk and get relatively stable growth potential. Invest in Bajaj Finserv AMC’s debt mutual funds. Know More
Benefit from a balanced investment strategy that combines growth potential with relative stability Know More
Index Funds
Grow your wealth over time with Bajaj Finserv AMC’s Index Funds. Get access to diversified, cost-effective investing. Know More
ETFs
Invest in ETFs for intra-day trading flexibility, cost-efficiency and diversification. Know More
Fund Collections
FAQs
Where can I put ₹500 a month for 5 years?
You can consider debt mutual funds, as they are often used for short term investments. For longer horizons of five years or more, you may consider equity mutual funds. However, a high risk appetite is required for equity investments.
Is investing ₹500 through a SIP completely safe?
No. SIPs are market linked, so returns are not guaranteed.
Can I increase my ₹500 SIP later?
Yes. You can raise your SIP amount steadily over time using a step-up option or initiate a new SIP with a higher amount.
Can I exit a ₹500 SIP before 5 years?
Yes. You can stop or pause your SIP whenever you choose.
Do I need to pay tax on a ₹500 SIP after 5 years?
Yes. Returns may be taxed depending on the type of mutual fund and how long you stay invested.
Is a ₹500 SIP a better choice than an FD?
It depends on your goal. SIPs offer higher return potential as they are market linked, while FDs provide fixed returns with stability.
Will a ₹500 SIP give guaranteed returns?
No. Returns depend on market performance and are not fixed.
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