Example: ₹5,000 a month for 10 years
You invest ₹6,00,000 in total. At 10% a year the SIP grows to about ₹10.3 lakh; at 8% about ₹9.2 lakh; at 12% about ₹11.6 lakh. The gap between those three numbers is the real lesson — the assumed return matters more than a few hundred rupees of monthly amount.