Can SIPs and NPS together help an investor build Rs 25 crore in 18 years?

A 45-year-old government employee investing through SIPs and NPS could accumulate around Rs 25 crore in 18 years, according to Optima Money Managers’ Pankaj Mathpal. While mutual funds may generate nearly Rs 20 crore, NPS could add Rs 5 crore, potentially exceeding the investor’s Rs 15 crore retirement target.