Mutual Fund Me Compounding Ka Magic – Long Term Wealth Creation

Investment ki duniya me ek golden rule hai – Compounding. Yehi wo magic hai jo chhoti si investment ko long term me bada corpus bana deta hai. Mutual Fund me SIP ke through compounding ka maximum benefit milta hai.

Compounding Kya Hai?

Compounding ka matlab hai – aapke investment par jo profit (returns) milta hai, wo profit bhi dobara invest ho kar naye profit generate karta hai. Yani “Interest on Interest”.

Compounding Ka Formula

A = P (1 + r/n)^(n × t)

A = Future Value  
P = Principal (Invested Amount)  
r = Annual Interest Rate  
n = Compounding Frequency (12 for monthly)  
t = Time in years

Example

Agar aap ₹5,000 per month SIP karte hain aur 12% annual return milta hai:

• 10 saal me: Lagbhag ₹11 lakh
• 20 saal me: Lagbhag ₹49 lakh
• 30 saal me: Lagbhag ₹1.76 crore

Yani jitna zyada time aap invest rahenge, compounding ka effect utna hi bada hoga.

Compounding Se Fayda Kaise Uthaye?

• Jaldi Start Karein: Time hi compounding ka sabse bada dost hai.
• Regular Investment: Har mahine SIP continue rakhein.
• Long Term Holding: Short term market fluctuations se ghabraye nahi.
• Reinvestment: Dividend ya profit ko withdraw na karke reinvest karein.

Conclusion

Mutual Fund me compounding ek aisa tool hai jo aapke chhote investment ko bada wealth bana sakta hai. Isliye aaj hi SIP start karein aur lambe samay tak invested rahkar compounding ka magic dekhein.