By Sheetal Kumari | March 3, 2025

Moneycontrol PF Team| Aug 5, 2025

Compounding Magic: How Rs 1 Cr Takes 6 Yrs, but Rs 10 Cr Takes Just 1

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Building wealth starts slow—compounding works best over time, not overnight.

The Power of Patience

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At 12% annual returns, doubling Rs 1 crore to Rs 2 crore takes 6 years.

The First Crore is the  Hardest

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From Rs 2 crore to Rs 3 crore takes just 3.5 years—less effort, faster growth.

Speed Kicks In After That

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Each new crore needs less time: Rs 3–4 crore in 2.5 years, Rs 4–5 crore in 2 years.

Compounding Gains Momentum

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Rs 5–6 crore takes 1.5 years, Rs 6–7 crore in 1.4 years—the pace accelerates.

The Wealth Flywheel Spins Faster

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With a larger base, your wealth grows faster even at the same return rate.

Rs 9 to Rs 10 Cr in Just 1 Year

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Compounding rewards consistency and time—not timing the market.

It’s Not Luck, It’s Math

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Big gains come later—be patient, stay invested, and let time grow your money.

Key Lesson: Stay the Course

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