New Delhi: Chartered Accountant Nitin Kaushik has said that the market rewards those who remain invested long enough to reap the benefits of compounding. He said that compounding translates patience into long term rewards and speeds up wealth accumulation in the long term.

Kaushik claims that compounding with monthly SIPs is not as quick as people often expect. “Everyone dreams of doubling their money with a magical 10 pc return. But here’s the catch, compounding with monthly SIPs is not as fast as finance charts suggest,” Kaushik wrote. 

_ The shocking truth about “10% annual returns” no one tells you!

Everyone dreams of doubling their money with a magical 10% return. But here’s the catch – compounding with monthly SIPs isn’t as fast as finance charts suggest.

If you invest monthly at 10% per year, it takes_
— CA Nitin Kaushik (FCA) | LLB (@Finance_Bareek) November 2, 2025

Kaushik states that SIP profits take a notably longer time to exceed the entire investment made as a result of the delayed compounding on each individual deposit. “If you invest monthly at 10 pc per year, it takes nearly 25 years for your investment gains to finally exceed your own contributed amount. For one time lump sum investors, gains cross principal much sooner in about 7 years,” he explained.

According to Kaushik, SIPs only construct the initial portions of the entire portfolio while the genuine rewards of compounding only materialize after years of investing. “For the first two decades, your portfolio is mainly funded by your patience, discipline and monthly SIPs. The market rewards you after you have stayed invested long enough to truly benefit from compounding,” he said.

Stop Chasing Get-Rich-Quick Schemes. Master These 3 Steps Instead.

Personal finance isn’t a mystery-it’s surprisingly simple. It boils down to just three steps that I see everyone overlook when overwhelmed by fancy investment talk.

First, increase your income. That doesn’t mean_
— CA Nitin Kaushik (FCA) | LLB (@Finance_Bareek) October 31, 2025

Kaushik said that even if the initial signs of growth seem sluggish, remaining invested allows for compounding to make later growth much quicker and significant. “Post tax and fee returns are slightly lower and market returns may fluctuate. If your portfolio is not growing fast today, relax  the foundation is being built and the magic of compounding accelerates with time,” he wrote.

In an earlier post, Kaushik advised to “Stop Chasing Get Rich Quick Schemes”. He instead outlined three steps to establishing continuous financial growth.  

“First, increase your income. That does not mean chasing every side hustle blindly, it means focusing on growing skillsets, finding smarter ways to earn and negotiating your worth confidently. That extra Rs 5,000 per month can be a game changer over time,” Kaushik wrote.

Step two is to reduce spending. “This is not about starving yourself or extreme frugality. It is about conscious choices of skipping that daily latte, avoiding impulse buys and prioritizing what genuinely adds value to your life,” he wrote.

Kaushik said that the final and crucial part is to “invest the difference. Just saving will not protect your money from inflation quietly chipping away year after year. Investing even small amounts and creates the magic of compounding that turns pennies into lakhs,” he wrote.

IPO GMP Today, Subscription, Allotment Status Live Updates: The primary market is witnessing bidding in two initial public offerings (IPOs) today, November 3 — Lenskart Solutions Ltd (Day 2) and Studds Accessories Ltd (Day 3). The allotment of the Orkla India IPO is also expected to be finalised today.

Also, fintech firm Pine Labs has announced the price band of Rs 210-221 per share for its upcoming Rs 3,900-crore IPO, which will remain open for public subscription between November 07, 2025 and November 11, 2025.

Lenskart Solutions IPO Day 2

Eyewear retailer Lenskart Solutions is witnessing its second day of bidding today, Monday, November 3. The price band of the Rs 7,278-crore IPO has been fixed in the range of Rs 382-Rs 402 apiece. On the second day of the IPO, its GMP has increased to 21.14% despite high valuation concerns.

Studds Accessories IPO Last Day

Helmets manufacturer Studds Accessories Ltd is witnessing the last day of its Rs 455-crore initial public offer (IPO). The Rs 455-crore offering will be closed at 5 pm today, Monday, November 3. The firm has fixed a price band of Rs 557-585 per share, valuing it at around Rs 2,300 crore at the upper end of the range.

Orkla India IPO Allotment Status

The initial public offering (IPO) of Orkla India Ltd, which owns spices and condiments brands MTR and Eastern, closed on Friday, with a strong 48.74x subscription. Now, investors await the allotment of the IPO, which is expected to be finalised today, November 3, 2025.

Investors can check the IPO allotment status on the websites of BSE, the NSE as well as on the portal of registrar Kfin Technologies.

Meanwhile, Billionbrains Garage Ventures, the parent company of online investment platform Groww, last week set the price band for its initial public offering (IPO) at Rs 95-Rs 100 per share, valuing the company at over Rs 61,700 crore (nearly $7 billion). The Rs 6,632-crore IPO will open for subscription on November 4 and close on November 7, with a special one-day early window for retail investors on November 3.

Last Updated:November 03, 2025, 08:02 IST

Pine Labs sets IPO price at Rs 210-221 per share for Rs 3,900 crore issue, with listing on BSE and NSE on November 14, 2025.

Pine Labs Fixes Price Band

Pine Labs IPO Price Band, GMP, And Key Dates: The fintech firm Pine Labs has announced the price band of Rs 210-221 per share for its upcoming initial public offering (IPO) amounting to Rs 3,900 crore. The payment gateway platform is backed by Peak XV Partners, Mastercard, PayPal, and Temasek Holdings.

The IPO consists both fresh issue worth Rs 2,080 crore and offer-for-sale (OFS) of 8.23 crore equity shares. Previously, the issue had an offer-for-sale of 14.78 crore equity shares.

Peak XV Partners, Macritchie Investments, Madison India, Mastercard Inc, PayPal Inc, AIM Investment Funds, and Actis Pine Labs Investment Holdings are selling their shares via the issue.

At the upper price band, the valuation of Pine Labs has touched Rs 25,377 crore.

Axis Capital, Morgan Stanley, Citi, JPMorgan, and Jefferies are book running lead managers, while KFin Technologies Limited is the registrar.

Pine Labs Opening Window And Key Dates

Pine Labs IPO will open between November 07, 2025 and November 11, 2025. The allotment is likely to be concluded on November 12, 2025, with the listing of BSE and NSE scheduled for November 14, 2025.

Pine Labs Financials

Pine Labs turned profitable this quarter to report at Rs 47.86 million for Q1FY26 after a string of losses. However, the fintech received a tax credit of Rs 96.35 million because of losses.

FY25 still shows a loss of Rs 1,454.87 million, but it’s smaller than FY24’s Rs 3,419.03 million.

The company reported a total income of Rs 6,530.76 million. However, its total expenses stood at Rs 6,578.63 million for the June 2025 quarter.

Pine Labs IPO Objectives

The proceeds of the IPO will be utilized for investment in certain of its subsidiaries, namely Qwikcilver Singapore, Pine Payment Solutions, Malaysia and Pine Labs UAE for expanding presence outside India.

Moreover, a portion of proceeds will be used to build and strengthen IT assets, expenditure towards cloud infrastructure, technology development initiatives, and procurement of DCPs.

The company will also use proceeds to repayment/prepayment of certain borrowings availed by the company and its subsidiaries.

Pine Labs IPO GMP Today

According to market observers, unlisted shares of Pine Labs Ltd are currently trading at Rs 281 apiece in the grey market, against the upper IPO price of Rs 221. It means a grey market premium (GMP) of 27.14%, indicating decent listing gains for investors.

The GMP is based on market sentiments and keeps changing. ‘Grey market premium’ indicates investors’ readiness to pay more than the issue price.

Disclaimer: The views and investment tips by experts in this News18.com report are their own and not those of the website or its management. Users are advised to check with certified experts before taking any investment decisions.

Varun Yadav

Varun Yadav is a Sub Editor at News18 Business Digital. He writes articles on markets, personal finance, technology, and more. He completed his post-graduation diploma in English Journalism from the Indian Inst…Read More

Varun Yadav is a Sub Editor at News18 Business Digital. He writes articles on markets, personal finance, technology, and more. He completed his post-graduation diploma in English Journalism from the Indian Inst… Read More

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