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How I Turned ₹5,000/month into ₹6 Lakhs — My 3-Year SIP Journey
In 2020, I was saving ₹5,000/month with no real strategy. I stumbled into SIPs by chance. Today, that same habit has grown into ₹6,12,000 — and taught me 3 major lessons about compounding, patience, and mistakes I wish I avoided earlier.
📉 What Went Wrong in Year 1
In my first year, I panicked during a market dip and pulled out my SIP investments. That single move cost me potential gains and broke the compounding chain. I learned the hard way that reacting emotionally to market swings is a recipe for regret.
📈 Lesson Learned: Consistency Beats Timing
- Missed rallies by being out of the market
- Lost out on rupee cost averaging
- Peace of mind improved with automation and discipline
🔄 My Portfolio Before vs After
Before (2020)
- Random savings in bank account
- No real investment plan
- Low returns (2-3% p.a.)
After (2023)
- Disciplined SIPs in diverse mutual funds
- Portfolio value: ₹6,12,000
- Average returns: 13-15% p.a.
🧠 What I’d Do Differently If Starting Again
If I could start over, I’d set up my SIPs and forget about the daily market noise. I’d diversify a bit more, avoid panic-selling, and trust the process. Most importantly, I’d start even earlier — because time is your biggest ally in compounding.
HYDERABAD: Pharma big Aurobindo Pharma expects its upcoming Penicillin-G (Pen-G) facility at Kakinada in Andhra Pradesh to start industrial manufacturing within the April-June 2024 quarter, prime officers of the corporate instructed TOI.“The production will commence in the first quarter of financial year 2024-25. Currently we are trying to stabilise the processes at the facility,” Okay Nityananda Reddy, vice chairman & managing director Aurobindo Pharma instructed TOI right here.The 15,000 metric tonnes every year capability facility is being arrange at an funding of round Rs 2,400 crore below the Centre’s manufacturing linked incentive (PLI) scheme as a part of efforts to make India self-sufficient after provide chain disruptions throughout Covid-19. China has a close to monopoly in Pen-G manufacturing.“The PLI unit should get operational by April-May 2024. We are working very hard to make it faster. Trial production, we will be starting anytime now,” added Aurobindo Pharma chief monetary officer S Subramanian.Nonetheless, Subramanian identified that the ramping up of the Pen-G plant to full capability can be potential solely by the second quarter of FY25.Aurobindo Pharma CFO additionally mentioned the corporate can be placing up different ahead derivatives vegetation for Pen-G reminiscent of 6-APA and GCLE. Whereas the 6-APA facility is anticipated to turn into operational in Q1 of FY25, the GCLE facility will take one other 12 months for completion, Subramanian defined.Whereas round 60% of the Pen-G plant manufacturing can be for captive use, the corporate can be promoting the remaining to different gamers. “About 80-90% of the 15,000 MTPA Pen-G can be bought within the Indian market and the remaining can be exported, Subramanian added.The funding within the Pen-G facility is a part of the Rs 5,000 crore capex that the corporate has incurred on establishing round 8-10 new manufacturing services over the previous 3-4 years with plans for an additional Rs 1,000 crore capex over the subsequent 1-2 years, he mentioned.
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