Dec 8, 2025

Rs 2-Lakh Lump Sum & Crorepati Chances Over 15, 20 And 25 Years

Nayra Jain

Growth Over 15 Years

A ₹2 lakh lump sum compounding at 12% annually over 15 years grows steadily, producing a maturity value of ₹10,94,713, showing more than a fivefold rise despite not reaching the ₹1 crore milestone.

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Returns Accelerate At 20 Years

Extending the horizon to 20 years boosts compounding power, taking the maturity amount to ₹19,29,258 as returns gather momentum in the later years of the investment cycle.

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Stronger Compounding Over 25 Years

At 25 years, long-term equity growth becomes clearer, with the corpus reaching ₹34,00,012, representing over 17 times the initial ₹2 lakh investment.

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Power Of Time In Wealth Creation

Time remains the most influential factor in compounding, allowing earnings on returns to multiply and significantly enhance long-term wealth accumulation.

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₹1 Crore Goal Still Distant

A ₹2 lakh lump sum alone may not reach ₹1 crore within 25 years, requiring either higher returns, a much longer tenure, or additional contributions to meet the target.

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Longer Tenures Offer Bigger Potential

A horizon of 30–35 years could bring the ₹1 crore mark closer, especially when supported by sustained equity exposure and disciplined investment behaviour.

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Combining SIPs With Lump Sum

Pairing a lump sum with a monthly SIP can strengthen wealth creation by adding fresh capital regularly and allowing compounding to work on a wider base.

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Impact Of Annual Top-ups

Small yearly increases in SIP contributions boost the overall corpus, helping investors accelerate their journey towards larger long-term financial goals.

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Equity Funds For Long-term Growth

Equity-oriented mutual funds offer strong potential for compounding when held for extended periods, making them suitable for long-term wealth-building.

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Consider Market Risks Carefully

Mutual funds carry market-linked risks, so investors should assess risk appetite, financial goals and investment horizon before committing long-term funds.

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