Compounding is growth on growth. Your money earns a return, that return is reinvested, and next year the return is earned on the larger amount. In the early years it looks like nothing. In the later years it looks like magic. It is neither; it is arithmetic.
₹10,000 a month at a 12 percent annual return becomes about ₹23 lakh in ten years, about ₹1 crore in twenty, and about ₹3.5 crore in thirty. The last ten years add more than the first twenty combined. Nothing changed except time.
This is why starting early matters more than starting big, and why pausing a SIP in a bad year costs more than the amount paused. The years you skip are not the cheap early years; they are the expensive late ones you never get back.
The last ten years do the heavy lifting. Start now so you reach them.