Compounding
Earning returns on past returns, so money grows faster the longer it's invested.
Each year's return is added to the amount that earns next year's return. Over long periods most of the final value comes from returns, not what you put in, which is why starting early matters so much.
Example
₹10,000 a month for 30 years at 12% grows to about ₹3.5 crore, on ₹36 lakh invested.
Cost of Waiting Calculator
What starting your SIP a few years later costs by the time you need the money, and the SIP needed to catch up.
Related terms
Rules as of tax year 2026-27. Written by the Welthr team; last reviewed on . Not financial advice.