Agar aaj aap 10000 rupaye har mahine mutual funds me lagane shuru karte hai to apko 10 sal bad kitne rupaye milenge? aaiye jante hai Power of Compunding
Bahut log sochte hain:
“₹10,000 per month invest karke kya hi ban jayega?”
Lekin SIP (Systematic Investment Plan) ka magic hai compounding. Time ke saath ye chhoti amount bhi crores ke aas-paas pahunch sakti hai.
Chaliye asan bhasha aur calculations me dekhte hain:
Assumption (Important)
Hum yahan assume kar rahe hain:
- Monthly SIP = ₹10,000
- Yearly return = 12% per annum (Mutual funds ka long term mostly average 12% hi hota hai)
- Investment in equity mutual funds/ETF’s
SIP Calculation Results (₹10,000 per month)
After 10 Years
- Total Invested: ₹12,00,000
- Approx Value: ₹23.2 lakh
After 15 Years
- Total Invested: ₹18,00,000
- Approx Value: ₹50.5 lakh
After 20 Years
- Total Invested: ₹24,00,000
- Approx Value: ₹1.00 crore
After 25 Years
- Total Invested: ₹30,00,000
- Approx Value: ₹1.89 crore
After 30 Years
- Total Invested: ₹36,00,000
- Approx Value: ₹3.52 crore
Magic of Compounding (Samjho Ise)
Aap 30 saal me:
Sirf ₹36 lakh invest karte ho
But:
Final amount = ₹3.5 crore+
Difference = Pure compounding power. Compounding ko aise hi 8th wonder of world nahi kehte
Why SIP Is Better Than One Time Investment?
- Market ups & downs ka tension nahi
- Rupee cost averaging hoti hai
- Discipline ban jata hai
- Long term me risk kam ho jata hai
What If Returns Are Higher? (13–14-15 %)
Agar aap:
- Achhe mutual funds choose karo
- 25–30 saal invested raho
To ₹10,000 SIP = ₹4–5 crore+ bhi ho sakta hai.
Important Truth About SIP
SIP koi get-rich-quick scheme nahi hai.
Ye get-rich-slow-but-sure plan hai.
Who Should Start SIP?
- Job wale log
- Business owners
- Students (even ₹1,000 se)
- Even manual labour
- Anyone who wants financial freedom
Bottom Line
Agar aap:
- Aaj ₹10,000 SIP start karte ho
- Discipline ke saath 20–30 saal chala dete ho
- To retirement ki tension khatam
- Agar 10 ki jagah 20000 ki SIP karwa li to 15 sal me retirement jitni wealth bhi ban sakti hai
- Mutual Funds ke sath sath Gold Silver me bhi paisa lagao
Disclaimer
Mutual fund investments are subject to market risks. Past returns are not guaranteed.
