Compounding pays off: ₹30 lakh grows to ₹5.23 crore in 30 years, with the first ₹1 crore milestone after about 13 years

The power of compounding in action

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Time and steady investing can turn a modest start into a substantial retirement fund. A representative scenario shows ₹30 lakh invested for 30 years growing to about ₹5.23 crore, with the first ₹1 crore milestone reached after roughly 13 years.

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  • Lump-sum route: A one-time investment can build significant wealth over the long run as returns compound on a larger base.
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  • SIP route: Regular monthly contributions leverage time in the market and compounding, often producing smoother growth and eventual gains beyond a lump-sum path.
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  • Bottom line: Early start matters most; give compounding decades to work and stay invested through market cycles.
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