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

Last Updated:July 29, 2025, 09:06 IST

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

Recently, Jayaram Sridharan, Managing Director of Piramal Finance, sparked debate on Twitter after sharing a LinkedIn post about market timing. While acknowledging its occasional benefits, he stressed that remaining invested for the long haul often produces better results.

His own Rs 10,100 investment from 1999 has grown to Rs 7.9 lakh over approximately 25 years.

The Numbers Behind The Growth

Sridharan began investing soon after starting his career in 1998, buying ELSS units in 1999. Over 25 years, his holdings in the ICICI Prudential ELSS Tax Saver Growth Scheme appreciated to Rs 7,90,457.8.

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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