₹5,000/mo → ₹50L

How compounding actually plays out

Inputs

₹5,000 invested monthly 12% CAGR (Nifty 50 historical) 20-year horizon

Year 10

₹11.6 lakh (₹6L invested + ₹5.6L gain)

Year 15

₹25.2 lakh (₹9L invested + ₹16.2L gain)

Year 20

₹49.9 lakh (₹12L invested + ₹37.9L gain) 76% of wealth = compound growth

Started 5 years late?

Same ₹5,000/month for 15 years instead of 20 = ₹25L — half the wealth.

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