The time it takes for something to fall into a black hole and be consumed depends on the mass of the black hole and the speed of the object falling into it. For a small black hole, the process can take milliseconds. For a supermassive black hole, the process can take millions of years.

The reason for this difference is that the gravity of a black hole is proportional to its mass. The more massive the black hole, the stronger its gravity. This means that it takes more time for an object to fall into a supermassive black hole than a small black hole.

The speed of the object also affects the time it takes to fall into a black hole. The faster the object is moving, the less time it takes to fall into the black hole. This is because the object’s kinetic energy helps to overcome the pull of gravity.

In the case of a star being torn apart by a black hole, the process can take weeks or months. This is because the star is being pulled in by the black hole’s gravity, but it is also being held together by its own gravity. The star’s gravity is able to resist the black hole’s gravity for a period of time, but eventually the black hole’s gravity overwhelms the star’s gravity and the star is torn apart.

Once the star is torn apart, the matter from the star is heated up by the friction of the black hole’s gravity. This heat causes the matter to emit radiation, which is what we see as the accretion disk. The matter in the accretion disk eventually falls into the black hole, and the black hole’s mass increases.