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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.
NEW DELHI: The Directorate Basic of Civil Aviation (DGCA) has imposed a superb of Rs 80 lakh on Air India for violating rules pertaining to Flight Obligation Time Limitations (FDTL) and fatigue administration system (FMS) of flight crew. “As a proactive step towards ensuring a high level of safety in aviation,” the regulator says it had performed a spot audit of AI this January for “verifying the regulatory compliance by the operator in respect of FDTL and FMS regulations.” Air India has been fined by the regulator a number of occasions within the 1.5 years for numerous lapses.Following the audit, the DGCa discovered some violations like each pilots working a flight being over 60 years of age. “The operator (AI) was also found deficient in providing adequate weekly rest, adequate rest before & after ultra-long range (ULR) flights and adequate rest on layover to flight crew, which violates the extant provisions of the Civil Aviation Requirements pertaining to FDTL. Moreover, the instances of exceeding duty periods, wrongly marked training records, overlapping duties etc. were also observed during the audit,” stated an official.After the audit, the regulator has served a present trigger discover to AI on March 1, in search of their response to the findings of the audit. “The operator submitted its response to the notice which was not found satisfactory… a fine of Rs 80 lakh has been imposed on the operator,” the regulator stated, including, “DGCA is committed to maintaining the highest levels of safety in the civil aviation sector in India and this enforcement action is in line with its commitment.”
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