Rs 5,000 SIP for 30 Years vs Rs 15,000 SIP for 20 Years: Which Builds a Bigger Corpus?

Investing ₹5,000 monthly for 30 years versus ₹15,000 monthly for 20 years shows how compounding works. A smaller monthly investment over a longer period can build a larger corpus.

With ₹5,000 SIP for 30 years at 12% return, the corpus grows to about ₹1.76 crore. In contrast, ₹15,000 SIP for 20 years at 12% return, results in around ₹1.49 crore. Even though the monthly contribution is higher, the shorter period gives a smaller corpus.

The key takeaway is to start early and invest regularly. Time in the market is more important than the amount invested. Regular contributions over a long period benefit from compounding, leading to greater returns. A disciplined approach to investing enhances wealth creation over the long term.