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Turn Rs 10,000 Into Rs 8 Lakh: How To Earn 19% Yearly Returns Without Risk

Turn Rs 10,000 Into Rs 8 Lakh: How To Earn 19% Yearly Returns Without Risk

News1829-07-2025
Last Updated:
Invest Rs 10,000 and watch it grow to Rs 8 lakh with 19% annual returns. Patience beats market timing; long-term investing in ELSS can yield impressive, low-risk gains
The old saying 'time is money' holds especially true in the world of investing. What begins as a modest sum of Rs 10,000 can, with patience and the right strategy, grow into a sizeable fortune, like Rs 8 lakh, over time.
Patience is crucial in investing; it often demands years or even decades before substantial returns materialise. Embracing a long-term perspective can unlock significant wealth.
Yet, many investors lose confidence when immediate returns disappoint and try to 'time the market', attempting to guess the best moments to buy or sell.
Expert Insight: The Value Of Staying Invested
His own Rs 10,100 investment from 1999 has grown to Rs 7.9 lakh over approximately 25 years.
The Numbers Behind The Growth
The investment compounded annually at a rate of 19.05%, generating an overall profit of 7,726%.
Comparing Market Returns
During the same timeframe, the 30-share Sensex delivered a compound annual growth rate (CAGR) of 12.15%, while the Nifty 50 index returned around 12.48%, translating to profits of up to 2,500%.
Emerging markets typically enjoy rapid expansion, with major indices seeing substantial gains over the past quarter-century. Sridharan's experience underscores the importance of staying invested to fully benefit from market growth.
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First Published:
July 29, 2025, 09:06 IST
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Synopsis India is preparing to counter the impact of Trump's 50% tariff through alternative markets and dedicated fund support, as key sectors such as textiles, gems & jewellery, and shrimp brace for the impact. With the India-US Bilateral Trade Agreement at a standstill despite several rounds of negotiations, industry leaders and experts are exploring ways to contain the tariff impact. As US President Donald Trump hit India on Wednesday with an additional 25% tariff for purchasing Russian oil, raising the total tariff to 50%, Indian businesses and exporters are bracing for the economic repercussions. In response, experts and industry leaders are actively discussing measures to mitigate the impact of these tariff US is a major trading partner of India. In FY25, India exported products valued at $86.51 billion to the US across various categories, including shrimp, textiles, and gems and jewellery. With the India-US Bilateral Trade Agreement at a standstill despite several rounds of negotiations, industry leaders and experts are exploring ways to contain the tariff Indian government is reportedly preparing a Rs 20,000 crore export promotion mission aimed at protecting exporters from global trade uncertainties. This mission is being jointly implemented by the ministries of commerce and industry, micro, small and medium enterprises (MSME), and finance. It is expected to be finalised by August and come into effect by mission, according to sources, will have five components—trade finance, non-trade finance dealing with regulation, standards and market access, better brand recall for Brand India, e-commerce hubs and warehousing, and trade facilitation. Ajay Sahai, DG & CEO of the Federation of Indian Export Organisations (FIEO), explained that when the mission was announced in the Union Budget this year, it aimed to increase access to export credit. 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Even if BTA happens and an additional tariff in the form of India's relations with Russia is imposed, we can be subjected to any kind of tariff. So, this is the time we should look at diversification in the medium to long term. And we should exploit opportunities with FTAs,' he mentioned that the fund relief and the development of alternative markets will only help in the short to medium term. India must build structural competitiveness and export reliance frameworks in the long term, he said. 'The answer lies in building an export ecosystem that can withstand geopolitical shocks, price wars, and shifting consumer preferences.'He proposed that the government should provide MSMEs and exporters with digital platforms and single windows to facilitate export credit, insurance, and risk cover, while noting that many smaller firms lack awareness or access to EXIM Bank schemes, ECGC support, or interest equalisation benefits. 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