CAGR % THE MAGIC OF COMPOUNDING Comounding Annual Growth Rate Initial Investment YEAR 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 ₹ 10,000 BANK/FD RETURN 6 7 NPS, PPF 8 NSC 9 10 11 MUTUAL FUND 12 13 ANNUAL RATE 14 15 16 17 18 19 20 21 DIRECT EQUITY (STOCKS) 22 23 24 25 26 27 28 29 30 ₹ 10,600.00 ₹ 10,700.00 ₹ 10,800.00 ₹ 10,900.00 ₹ 11,000.00 ₹ 11,100.00 ₹ 11,200.00 ₹ 11,300.00 ₹ 11,400.00 ₹ 11,500.00 ₹ 11,600.00 ₹ 11,700.00 ₹ 11,800.00 ₹ 11,900.00 ₹ 12,000.00 ₹ 12,100.00 ₹ 12,200.00 ₹ 12,300.00 ₹ 12,400.00 ₹ 12,500.00 ₹ 12,600.00 ₹ 12,700.00 ₹ 12,800.00 ₹ 12,900.00 ₹ 13,000.00 ₹ 11,236.00 ₹ 11,449.00 ₹ 11,664.00 ₹ 11,881.00 ₹ 12,100.00 ₹ 12,321.00 ₹ 12,544.00 ₹ 12,769.00 ₹ 12,996.00 ₹ 13,225.00 ₹ 13,456.00 ₹ 13,689.00 ₹ 13,924.00 ₹ 14,161.00 ₹ 14,400.00 ₹ 14,641.00 ₹ 14,884.00 ₹ 15,129.00 ₹ 15,376.00 ₹ 15,625.00 ₹ 15,876.00 ₹ 16,129.00 ₹ 16,384.00 ₹ 16,641.00 ₹ 16,900.00 ₹ 11,910.16 ₹ 12,250.43 ₹ 12,597.12 ₹ 12,950.29 ₹ 13,310.00 ₹ 13,676.31 ₹ 14,049.28 ₹ 14,428.97 ₹ 14,815.44 ₹ 15,208.75 ₹ 15,608.96 ₹ 16,016.13 ₹ 16,430.32 ₹ 16,851.59 ₹ 17,280.00 ₹ 17,715.61 ₹ 18,158.48 ₹ 18,608.67 ₹ 19,066.24 ₹ 19,531.25 ₹ 20,003.76 ₹ 20,483.83 ₹ 20,971.52 ₹ 21,466.89 ₹ 21,970.00 ₹ 12,624.77 ₹ 13,107.96 ₹ 13,604.89 ₹ 14,115.82 ₹ 14,641.00 ₹ 15,180.70 ₹ 15,735.19 ₹ 16,304.74 ₹ 16,889.60 ₹ 17,490.06 ₹ 18,106.39 ₹ 18,738.87 ₹ 19,387.78 ₹ 20,053.39 ₹ 20,736.00 ₹ 21,435.89 ₹ 22,153.35 ₹ 22,888.66 ₹ 23,642.14 ₹ 24,414.06 ₹ 25,204.74 ₹ 26,014.46 ₹ 26,843.55 ₹ 27,692.29 ₹ 28,561.00 ₹ 13,382.26 ₹ 14,025.52 ₹ 14,693.28 ₹ 15,386.24 ₹ 16,105.10 ₹ 16,850.58 ₹ 17,623.42 ₹ 18,424.35 ₹ 19,254.15 ₹ 20,113.57 ₹ 21,003.42 ₹ 21,924.48 ₹ 22,877.58 ₹ 23,863.54 ₹ 24,883.20 ₹ 25,937.42 ₹ 27,027.08 ₹ 28,153.06 ₹ 29,316.25 ₹ 30,517.58 ₹ 31,757.97 ₹ 33,038.37 ₹ 34,359.74 ₹ 35,723.05 ₹ 37,129.30 ₹ 14,185.19 ₹ 15,007.30 ₹ 15,868.74 ₹ 16,771.00 ₹ 17,715.61 ₹ 18,704.15 ₹ 19,738.23 ₹ 20,819.52 ₹ 21,949.73 ₹ 23,130.61 ₹ 24,363.96 ₹ 25,651.64 ₹ 26,995.54 ₹ 28,397.61 ₹ 29,859.84 ₹ 31,384.28 ₹ 32,973.04 ₹ 34,628.26 ₹ 36,352.15 ₹ 38,146.97 ₹ 40,015.04 ₹ 41,958.73 ₹ 43,980.47 ₹ 46,082.74 ₹ 48,268.09 ₹ 15,036.30 ₹ 16,057.81 ₹ 17,138.24 ₹ 18,280.39 ₹ 19,487.17 ₹ 20,761.60 ₹ 22,106.81 ₹ 23,526.05 ₹ 25,022.69 ₹ 26,600.20 ₹ 28,262.20 ₹ 30,012.42 ₹ 31,854.74 ₹ 33,793.15 ₹ 35,831.81 ₹ 37,974.98 ₹ 40,227.11 ₹ 42,592.76 ₹ 45,076.67 ₹ 47,683.72 ₹ 50,418.95 ₹ 53,287.59 ₹ 56,295.00 ₹ 59,446.73 ₹ 62,748.52 ₹ 15,938.48 ₹ 17,181.86 ₹ 18,509.30 ₹ 19,925.63 ₹ 21,435.89 ₹ 23,045.38 ₹ 24,759.63 ₹ 26,584.44 ₹ 28,525.86 ₹ 30,590.23 ₹ 32,784.15 ₹ 35,114.53 ₹ 37,588.59 ₹ 40,213.85 ₹ 42,998.17 ₹ 45,949.73 ₹ 49,077.07 ₹ 52,389.09 ₹ 55,895.07 ₹ 59,604.64 ₹ 63,527.88 ₹ 67,675.23 ₹ 72,057.59 ₹ 76,686.28 ₹ 81,573.07 ₹ 16,894.79 ₹ 18,384.59 ₹ 19,990.05 ₹ 21,718.93 ₹ 23,579.48 ₹ 25,580.37 ₹ 27,730.79 ₹ 30,040.42 ₹ 32,519.49 ₹ 35,178.76 ₹ 38,029.61 ₹ 41,084.00 ₹ 44,354.54 ₹ 47,854.49 ₹ 51,597.80 ₹ 55,599.17 ₹ 59,874.03 ₹ 64,438.59 ₹ 69,309.88 ₹ 74,505.81 ₹ 80,045.13 ₹ 85,947.55 ₹ 92,233.72 ₹ 98,925.30 ₹ 1,06,044.99 ₹ 17,908.48 ₹ 19,671.51 ₹ 21,589.25 ₹ 23,673.64 ₹ 25,937.42 ₹ 28,394.21 ₹ 31,058.48 ₹ 33,945.67 ₹ 37,072.21 ₹ 40,455.58 ₹ 44,114.35 ₹ 48,068.28 ₹ 52,338.36 ₹ 56,946.84 ₹ 61,917.36 ₹ 67,275.00 ₹ 73,046.31 ₹ 79,259.46 ₹ 85,944.26 ₹ 93,132.26 ₹ 1,00,856.86 ₹ 1,09,153.39 ₹ 1,18,059.16 ₹ 1,27,613.64 ₹ 1,37,858.49 ₹ 18,982.99 ₹ 21,048.52 ₹ 23,316.39 ₹ 25,804.26 ₹ 28,531.17 ₹ 31,517.57 ₹ 34,785.50 ₹ 38,358.61 ₹ 42,262.32 ₹ 46,523.91 ₹ 51,172.65 ₹ 56,239.89 ₹ 61,759.26 ₹ 67,766.74 ₹ 74,300.84 ₹ 81,402.75 ₹ 89,116.50 ₹ 97,489.14 ₹ 1,06,570.88 ₹ 1,16,415.32 ₹ 1,27,079.65 ₹ 1,38,624.80 ₹ 1,51,115.73 ₹ 1,64,621.60 ₹ 1,79,216.04 ₹ 20,121.96 ₹ 22,521.92 ₹ 25,181.70 ₹ 28,126.65 ₹ 31,384.28 ₹ 34,984.51 ₹ 38,959.76 ₹ 43,345.23 ₹ 48,179.05 ₹ 53,502.50 ₹ 59,360.27 ₹ 65,800.67 ₹ 72,875.93 ₹ 80,642.42 ₹ 89,161.00 ₹ 98,497.33 ₹ 1,08,722.13 ₹ 1,19,911.64 ₹ 1,32,147.89 ₹ 1,45,519.15 ₹ 1,60,120.35 ₹ 1,76,053.50 ₹ 1,93,428.13 ₹ 2,12,361.86 ₹ 2,32,980.85 ₹ 21,329.28 ₹ 24,098.45 ₹ 27,196.24 ₹ 30,658.05 ₹ 34,522.71 ₹ 38,832.80 ₹ 43,634.93 ₹ 48,980.11 ₹ 54,924.11 ₹ 61,527.88 ₹ 68,857.91 ₹ 76,986.79 ₹ 85,993.59 ₹ 95,964.48 ₹ 1,06,993.21 ₹ 1,19,181.77 ₹ 1,32,641.00 ₹ 1,47,491.32 ₹ 1,63,863.38 ₹ 1,81,898.94 ₹ 2,01,751.65 ₹ 2,23,587.94 ₹ 2,47,588.01 ₹ 2,73,946.80 ₹ 3,02,875.11 ₹ 22,609.04 ₹ 25,785.34 ₹ 29,371.94 ₹ 33,417.27 ₹ 37,974.98 ₹ 43,104.41 ₹ 48,871.12 ₹ 55,347.53 ₹ 62,613.49 ₹ 70,757.06 ₹ 79,875.18 ₹ 90,074.54 ₹ 1,01,472.44 ₹ 1,14,197.73 ₹ 1,28,391.85 ₹ 1,44,209.94 ₹ 1,61,822.02 ₹ 1,81,414.32 ₹ 2,03,190.59 ₹ 2,27,373.68 ₹ 2,54,207.07 ₹ 2,83,956.68 ₹ 3,16,912.65 ₹ 3,53,391.37 ₹ 3,93,737.64 ₹ 23,965.58 ₹ 27,590.32 ₹ 31,721.69 ₹ 36,424.82 ₹ 41,772.48 ₹ 47,845.89 ₹ 54,735.66 ₹ 62,542.70 ₹ 71,379.38 ₹ 81,370.62 ₹ 92,655.21 ₹ 1,05,387.21 ₹ 1,19,737.48 ₹ 1,35,895.30 ₹ 1,54,070.22 ₹ 1,74,494.02 ₹ 1,97,422.87 ₹ 2,23,139.61 ₹ 2,51,956.33 ₹ 2,84,217.09 ₹ 3,20,300.91 ₹ 3,60,624.99 ₹ 4,05,648.19 ₹ 4,55,874.87 ₹ 5,11,858.93 ₹ 25,403.52 ₹ 29,521.64 ₹ 34,259.43 ₹ 39,703.06 ₹ 45,949.73 ₹ 53,108.94 ₹ 61,303.94 ₹ 70,673.26 ₹ 81,372.49 ₹ 93,576.21 ₹ 1,07,480.04 ₹ 1,23,303.04 ₹ 1,41,290.23 ₹ 1,61,715.40 ₹ 1,84,884.26 ₹ 2,11,137.77 ₹ 2,40,855.90 ₹ 2,74,461.72 ₹ 3,12,425.85 ₹ 3,55,271.37 ₹ 4,03,579.15 ₹ 4,57,993.73 ₹ 5,19,229.69 ₹ 5,88,078.59 ₹ 6,65,416.61 ₹ 26,927.73 ₹ 31,588.15 ₹ 37,000.18 ₹ 43,276.33 ₹ 50,544.70 ₹ 58,950.93 ₹ 68,660.41 ₹ 79,860.78 ₹ 92,764.64 ₹ 1,07,612.64 ₹ 1,24,676.85 ₹ 1,44,264.56 ₹ 1,66,722.47 ₹ 1,92,441.33 ₹ 2,21,861.11 ₹ 2,55,476.70 ₹ 2,93,844.20 ₹ 3,37,587.92 ₹ 3,87,408.06 ₹ 4,44,089.21 ₹ 5,08,509.73 ₹ 5,81,652.04 ₹ 6,64,614.00 ₹ 7,58,621.37 ₹ 8,65,041.59 ₹ 28,543.39 ₹ 33,799.32 ₹ 39,960.19 ₹ 47,171.20 ₹ 55,599.17 ₹ 65,435.53 ₹ 76,899.66 ₹ 90,242.68 ₹ 1,05,751.69 ₹ 1,23,754.54 ₹ 1,44,625.14 ₹ 1,68,789.53 ₹ 1,96,732.51 ₹ 2,29,005.18 ₹ 2,66,233.33 ₹ 3,09,126.81 ₹ 3,58,489.92 ₹ 4,15,233.14 ₹ 4,80,385.99 ₹ 5,55,111.51 ₹ 6,40,722.26 ₹ 7,38,698.09 ₹ 8,50,705.92 ₹ 9,78,621.57 ₹ 11,24,554.07 ₹ 30,256.00 ₹ 36,165.28 ₹ 43,157.01 ₹ 51,416.61 ₹ 61,159.09 ₹ 72,633.44 ₹ 86,127.62 ₹ 1,01,974.23 ₹ 1,20,556.93 ₹ 1,42,317.72 ₹ 1,67,765.17 ₹ 1,97,483.75 ₹ 2,32,144.36 ₹ 2,72,516.16 ₹ 3,19,480.00 ₹ 3,74,043.43 ₹ 4,37,357.71 ₹ 5,10,736.76 ₹ 5,95,678.63 ₹ 6,93,889.39 ₹ 8,07,310.05 ₹ 9,38,146.58 ₹ 10,88,903.57 ₹ 12,62,421.83 ₹ 14,61,920.29 ₹ 32,071.35 ₹ 38,696.84 ₹ 46,609.57 ₹ 56,044.11 ₹ 67,275.00 ₹ 80,623.12 ₹ 96,462.93 ₹ 1,15,230.88 ₹ 1,37,434.90 ₹ 1,63,665.37 ₹ 1,94,607.59 ₹ 2,31,055.99 ₹ 2,73,930.35 ₹ 3,24,294.23 ₹ 3,83,376.00 ₹ 4,52,592.56 ₹ 5,33,576.40 ₹ 6,28,206.22 ₹ 7,38,641.50 ₹ 8,67,361.74 ₹ 10,17,210.66 ₹ 11,91,446.15 ₹ 13,93,796.57 ₹ 16,28,524.16 ₹ 19,00,496.38 ₹ 33,995.64 ₹ 41,405.62 ₹ 50,338.34 ₹ 61,088.08 ₹ 74,002.50 ₹ 89,491.66 ₹ 1,08,038.48 ₹ 1,30,210.89 ₹ 1,56,675.78 ₹ 1,88,215.18 ₹ 2,25,744.81 ₹ 2,70,335.51 ₹ 3,23,237.81 ₹ 3,85,910.14 ₹ 4,60,051.20 ₹ 5,47,636.99 ₹ 6,50,963.21 ₹ 7,72,693.64 ₹ 9,15,915.46 ₹ 10,84,202.17 ₹ 12,81,685.43 ₹ 15,13,136.61 ₹ 17,84,059.62 ₹ 21,00,796.17 ₹ 24,70,645.29 ₹ 36,035.37 ₹ 44,304.02 ₹ 54,365.40 ₹ 66,586.00 ₹ 81,402.75 ₹ 99,335.74 ₹ 1,21,003.10 ₹ 1,47,138.31 ₹ 1,78,610.39 ₹ 2,16,447.46 ₹ 2,61,863.98 ₹ 3,16,292.55 ₹ 3,81,420.61 ₹ 4,59,233.07 ₹ 5,52,061.44 ₹ 6,62,640.76 ₹ 7,94,175.12 ₹ 9,50,413.18 ₹ 11,35,735.17 ₹ 13,55,252.72 ₹ 16,14,923.64 ₹ 19,21,683.50 ₹ 22,83,596.31 ₹ 27,10,027.05 ₹ 32,11,838.88 ₹ 38,197.50 ₹ 47,405.30 ₹ 58,714.64 ₹ 72,578.74 ₹ 89,543.02 ₹ 1,10,262.67 ₹ 1,35,523.47 ₹ 1,66,266.29 ₹ 2,03,615.85 ₹ 2,48,914.58 ₹ 3,03,762.22 ₹ 3,70,062.28 ₹ 4,50,076.32 ₹ 5,46,487.35 ₹ 6,62,473.73 ₹ 8,01,795.32 ₹ 9,68,893.64 ₹ 11,69,008.22 ₹ 14,08,311.61 ₹ 16,94,065.89 ₹ 20,34,803.79 ₹ 24,40,538.04 ₹ 29,23,003.27 ₹ 34,95,934.90 ₹ 41,75,390.54 ₹ 40,489.35 ₹ 50,723.67 ₹ 63,411.81 ₹ 79,110.83 ₹ 98,497.33 ₹ 1,22,391.57 ₹ 1,51,786.29 ₹ 1,87,880.91 ₹ 2,32,122.07 ₹ 2,86,251.76 ₹ 3,52,364.17 ₹ 4,32,972.87 ₹ 5,31,090.06 ₹ 6,50,319.94 ₹ 7,94,968.47 ₹ 9,70,172.34 ₹ 11,82,050.24 ₹ 14,37,880.10 ₹ 17,46,306.39 ₹ 21,17,582.37 ₹ 25,63,852.77 ₹ 30,99,483.32 ₹ 37,41,444.19 ₹ 45,09,756.02 ₹ 54,28,007.70 ₹ 42,918.71 ₹ 54,274.33 ₹ 68,484.75 ₹ 86,230.81 ₹ 1,08,347.06 ₹ 1,35,854.64 ₹ 1,70,000.64 ₹ 2,12,305.42 ₹ 2,64,619.16 ₹ 3,29,189.53 ₹ 4,08,742.44 ₹ 5,06,578.26 ₹ 6,26,686.27 ₹ 7,73,880.73 ₹ 9,53,962.17 ₹ 11,73,908.53 ₹ 14,42,101.30 ₹ 17,68,592.53 ₹ 21,65,419.93 ₹ 26,46,977.96 ₹ 32,30,454.50 ₹ 39,36,343.81 ₹ 47,89,048.57 ₹ 58,17,585.27 ₹ 70,56,410.01 ₹ 45,493.83 ₹ 58,073.53 ₹ 73,963.53 ₹ 93,991.58 ₹ 1,19,181.77 ₹ 1,50,798.65 ₹ 1,90,400.72 ₹ 2,39,905.13 ₹ 3,01,665.84 ₹ 3,78,567.96 ₹ 4,74,141.23 ₹ 5,92,696.56 ₹ 7,39,489.80 ₹ 9,20,918.07 ₹ 11,44,754.60 ₹ 14,20,429.32 ₹ 17,59,363.58 ₹ 21,75,368.81 ₹ 26,85,120.71 ₹ 33,08,722.45 ₹ 40,70,372.66 ₹ 49,99,156.64 ₹ 61,29,982.16 ₹ 75,04,685.00 ₹ 91,73,333.02 ₹ 48,223.46 ₹ 62,138.68 ₹ 79,880.61 ₹ 1,02,450.82 ₹ 1,31,099.94 ₹ 1,67,386.50 ₹ 2,13,248.81 ₹ 2,71,092.79 ₹ 3,43,899.06 ₹ 4,35,353.15 ₹ 5,50,003.82 ₹ 6,93,454.97 ₹ 8,72,597.97 ₹ 10,95,892.51 ₹ 13,73,705.52 ₹ 17,18,719.48 ₹ 21,46,423.57 ₹ 26,75,703.64 ₹ 33,29,549.68 ₹ 41,35,903.06 ₹ 51,28,669.56 ₹ 63,48,928.93 ₹ 78,46,377.17 ₹ 96,81,043.65 ₹ 1,19,25,332.93 ₹ 51,116.87 ₹ 66,488.38 ₹ 86,271.06 ₹ 1,11,671.40 ₹ 1,44,209.94 ₹ 1,85,799.01 ₹ 2,38,838.66 ₹ 3,06,334.86 ₹ 3,92,044.93 ₹ 5,00,656.12 ₹ 6,38,004.44 ₹ 8,11,342.32 ₹ 10,29,665.60 ₹ 13,04,112.08 ₹ 16,48,446.62 ₹ 20,79,650.57 ₹ 26,18,636.75 ₹ 32,91,115.47 ₹ 41,28,641.60 ₹ 51,69,878.83 ₹ 64,62,123.64 ₹ 80,63,139.74 ₹ 1,00,43,362.78 ₹ 1,24,88,546.30 ₹ 1,55,02,932.80 ₹ 54,183.88 ₹ 71,142.57 ₹ 93,172.75 ₹ 1,21,721.82 ₹ 1,58,630.93 ₹ 2,06,236.91 ₹ 2,67,499.30 ₹ 3,46,158.39 ₹ 4,46,931.22 ₹ 5,75,754.54 ₹ 7,40,085.15 ₹ 9,49,270.51 ₹ 12,15,005.41 ₹ 15,51,893.38 ₹ 19,78,135.95 ₹ 25,16,377.19 ₹ 31,94,736.84 ₹ 40,48,072.03 ₹ 51,19,515.59 ₹ 64,62,348.54 ₹ 81,42,275.79 ₹ 1,02,40,187.48 ₹ 1,28,55,504.35 ₹ 1,61,10,224.73 ₹ 2,01,53,812.64 ₹ 57,434.91 ₹ 76,122.55 ₹ 1,00,626.57 ₹ 1,32,676.78 ₹ 1,74,494.02 ₹ 2,28,922.97 ₹ 2,99,599.22 ₹ 3,91,158.98 ₹ 5,09,501.59 ₹ 6,62,117.72 ₹ 8,58,498.77 ₹ 11,10,646.50 ₹ 14,33,706.38 ₹ 18,46,753.12 ₹ 23,73,763.14 ₹ 30,44,816.40 ₹ 38,97,578.94 ₹ 49,79,128.60 ₹ 63,48,199.33 ₹ 80,77,935.67 ₹ 1,02,59,267.49 ₹ 1,30,05,038.09 ₹ 1,64,55,045.57 ₹ 2,07,82,189.90 ₹ 2,61,99,956.44