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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: India’s items exports clocked the quickest progress in 20 months, rising 11.9% to $41.4 billion, the best worth of shipments since final March. Imports grew 12.1% to prime $60 billion, leading to a commerce deficit of $18.7 billion.”If you look at the 11 months period of the financial year this is the highest export growth which we have achieved, both merchandise as well as overall.This is very heartening,” commerce secretary Sunil Barthwal advised reporters. The numbers have additionally given govt the boldness that final yr’s stage will likely be scaled.Economists too sounded upbeat. “The surprise to our estimate came from a better-than-expected goods export performance. This suggests that the disruptions to the Red Sea trade route, while requiring some re-routing of India exports, have not materially altered the trend in exports,” Barclays stated in a notice. Companies exports in Feb hit a file of $32.1 billion, 17.3% increased than a yr in the past, whereas commerce surplus additionally hit a month-to-month excessive of $16.7 billion.On the products aspect, engineering items, the nation’s largest export merchandise, was a key driver in Feb, rising 15.9% to $9.9 billion. “In the past few months, there has been a revival in various commodity groups, especially iron and steel. Also, demand from various markets such as Australia, UAE, and Russia has been reasonably good and the trend is expected to continue… We are optimistic that FTAs with the UK, Oman, and the EU would be signed sooner than later,” EEPC India chairman Arun Kumar Garodia stated.Digital items, largely cell phones, noticed a 55% bounce to nearly $3 billion. Whereas sectors comparable to gems and jewelry have been impacted by weak demand abroad, petroleum (5% rise to $8.2 billion) and readymade clothes (4.9% enhance to $1.5 billion), including to the general enhance.”Such an impressive increase in overall exports growth, despite the Red Sea crisis, tight monetary stance by the developed world and falling commodity prices posing challenge, not only portrays the dedication and commitment of the sector but also the resilience of the exporting community, who have continuously been braving such odds since Russia-Ukraine war,” Fieo president Aswani Kumar stated.On the import entrance, gold shipments soared 2.3 occasions to $6.1 billion in February, silver surged to over $1.7 billion in February, in contrast with $13 million a yr in the past. The yellow steel has been flirting with new highs in current weeks, each within the home and worldwide market. Crude petroleum, nonetheless, remained flat at $16.9 billion.
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