Jan 22, 2026
Early investing allows the power of compounding to work for you. Even small monthly SIP contributions grow significantly over time, reducing the need for high investments later and easing the path to a Rs 25 lakh corpus.
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Decide when you want to reach Rs 25 lakh. Short-term goals need higher monthly contributions, while a longer horizon allows compounding to grow wealth steadily, making targets achievable without straining current finances.
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Equity-oriented mutual fund SIPs typically provide 10–12% annual returns. These plans balance risk and growth, making them ideal for salaried individuals aiming for a substantial corpus over a 10–15 year horizon.
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Salaried investors can start with Rs 5,000–8,000 monthly SIPs. Gradually increasing the contribution using salary increments or bonuses boosts corpus size without overburdening monthly budgets, making disciplined investing sustainable.
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Investing Rs 31,000 per month for 5 years at 12% returns can grow to Rs 25.14 lakh. Total contributions of Rs 18.6 lakh earn Rs 6.54 lakh in returns, demonstrating that short-term goals require higher monthly investments.
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A 10-year plan with Rs 11,500 monthly contributions at 12% returns can mature to Rs 25.76 lakh. Total investment is Rs 13.8 lakh, with returns of Rs 11.96 lakh, making it a balanced strategy for medium-term wealth accumulation.
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For a 15-year horizon, a monthly SIP of Rs 5,500 grows into Rs 26.18 lakh. Total contributions are Rs 9.9 lakh, with Rs 16.28 lakh in returns. This highlights how starting early lowers monthly burdens and leverages compounding effectively.
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Regular, disciplined SIP investments matter more than seeking unusually high returns. Consistency ensures steady wealth accumulation, mitigates market volatility, and builds a sizable corpus over the long term.
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Salaried investors can adjust SIP amounts according to predictable income growth. Annual increments and bonuses can boost contributions gradually, helping to accelerate corpus growth while keeping investments manageable.
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This content is for informational purposes only. Investment decisions should be made after consulting financial experts and considering personal risk appetite, financial goals, and market conditions.
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