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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.
Citibank personal loan :
Citibank personal loan & get funds quickly and conveniently. Benefit from minimal documentation and speedy loan approval, Loans up to 30,00,000.Funds in your account in 48 hours.
Citibank personal loan online benefits
- Avail personal Loan amount up to Rs.30,00,000
- Loan funds credited to your bank account in 48 hours
- Get your personal loan eligibility in just 4 hours
- Fixed interest rate for predictable monthly payments
- Part pre-payment option available
- Balance consolidation for your Credit Card and Personal Loan outstanding
You can use Citibank personal loan for medical expenses, to renovate your home, take a trip, finance a wedding in the family, replace your home theater system, or anything else that you’ve always wanted to do but were held back by lack of funds. It’s your choice. With loan amounts up to Rs.30,00,000 and fixed monthly payments, there’s a lot you can do with a Citibank Personal Loan.
Citibank Personal Loan funds can be available to you within 48 hours (or 2 working days) once you submit the necessary documentation.
You can pay large EMIs and close your loan quicker or opt to pay smaller EMIs and close the loan over a longer period of time. You can use this flexibility of choice to calculate an EMI amount that works best within your monthly budget.
Citibank Personal Loan comes with a fixed rate of interest which means your EMIs will remain the same through the entire tenure of your loan. That is, irrespective of the amount you borrow or the time you choose to pay it back, there will be no surprises at the beginning of the month – your first EMI to your last EMI, the amount you pay will remain the same throughout.
You can also avail additional funds from Citibank If you are a current Citibank Personal Loan customer.
Citibank Suvidha customers can get Citibank Personal Loan is very easy by logging in to your Citibank Online account and sending an online application.
you can also get in touch with Citibank through the 24×7 CitiPhone helpline number and place a request for your personal loan account statement. The CitiPhone helpline number can be accessed at any point in time. The number is 1860 210 2484.
| PARTICULARS | DETAILS |
|---|---|
| Interest Rate | 9.99% – 16.49% |
| Loan Amount | ₹100,000-30 lakh |
| Repayment | 12 months-60 months |
| Processing Fee | Up to 1% of the loan amount |
| Pre-Closure Charges | Up to 3% |
| Eligibility Criteria |
| The minimum age of the applicant should be 26 for salaried |
| The maximum age of the applicant should be 60 for salaried |
| The minimum age of the applicant should be 21 for self-employed |
| The maximum age of the applicant should be 65 for self-employed |
| The minimum monthly income is ₹40,000 |
Documents needed for citibank personal loan
Proof of Identity :
SALARIED : Photograph is mandatory, PAN/ valid driver’s license/valid passport/ voter’s ID
card/valid identity card/overseas
citizen of India card/person of Indian origin card/Job card issued by NREGA/ letters issued by the unique identification authority of India.
SELF EMPLOYED : Photograph is mandatory, PAN/ valid driver’s license/valid passport/ voter’s ID card/valid identity card/overseas citizen of India card/person of Indian origin card/professional license with photograph/trade license with photograph.
Proof of Residence:
SALARIED : Valid driver’s license/ valid passport/voter’s ID card/valid identity card/utility bill not more than 3 months old with name & address /food card (ration card)/ letter from employer/lease deed/ rent agreement copy/ property registration document in the name of the customer/bank account statement printed on bank’s letterhead, not more than 3 months old, signed and stamped by existing banker/mutual fund statements/overseas citizen of India card/person of Indian origin card/latest IT return/original letter from company.
SELF EMPLOYED : Valid driver’s license/ valid passport/voter’s ID card/valid identity card/utility bill not more than 3 months old with name & address /food card (ration card)/ letter from employer/lease deed/ rent agreement copy/ property registration document in the name of the customer/bank account statement printed on bank’s letterhead, not more than 3 months old, signed and stamped by existing banker/mutual fund statements/overseas citizen of India card/person of Indian origin card/latest IT return.
Proof of Age:
SALARIED : Birth certificate/school leavingcertificate/passport/voters card with DOB/college certificate/DOB on tax return/PAN card/ company id/hr confirmation.
SELF EMPLOYED ; Birth certificate/school leavingcertificate/passport/voters card with DOB/college certificate/DOB on tax return/PAN card.
Length of employment/continuity of business:
SALARIED : Letter from employer/old pay slip/form 16/HR check by designated CPA resource.
SELF EMPLOYED : Lease deed/rent receipts/ownership document/utility bills/tax returns from the same city/ 3 year old bank statement.
Proof of income and occupationp:
SALARIED : Latest one or 2 salary slip (not more than 3 months old)/latest form 16/last 3 months bank statement.
SELF EMPLOYED : Latest one or 2 salary slip (not more than 3 months old)/latest form 16/last 3 months bank statement.