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How I Turned ₹5,000/month into ₹6 Lakhs — My 3-Year SIP Journey

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.
  • Start SIPs as early as possible
  • Stay consistent, ignore short-term volatility
  • Review portfolio annually, not monthly
  • Invest for long-term goals, not quick gains

Calculate EMI on Home, Car, and Personal Loans

Loan EMI Calculator

Loan EMI Calculator











EMI:

Calculate EMI on Home, Car, and Personal Loans
Introduction

Are you in need of a loan, but don’t know where to start? This blog will cover the basics of calculating EMIs (Equated Monthly Instalments) on homes and cars, as well as personal loans. We all know that taking out a loan is a big decision, and it’s important to understand all the terms and conditions before signing any agreement. To help make the process easier, we’ll go over some common questions and provide tips on how to calculate your EMI. From understanding interest rates to considering loan amounts, this post will give you the information you need to make an informed decision about taking out a loan.

Home Loan EMI Calculator

If you’re looking to take out a loan, whether it’s for a home, car, or personal expenses, it’s important to know how much your monthly repayments will be. This is where a home loan EMI calculator comes in handy.

An EMI calculator is a tool that allows you to see how much your monthly repayments would be on a loan, based on the loan amount, interest rate, and loan tenure. This is useful for helping you budget and plan for your loan repayments.

Calculate EMI on Home, Car, and Personal Loans
Calculate EMI on Home, Car, and Personal Loans

To use a home loan EMI calculator, simply enter the loan amount, interest rate, and loan tenure into the tool. The calculator will then show you the monthly repayment amount. You can then use this information to help you plan your budget and make sure that you can afford the loan repayments.

Car Loan EMI Calculator

An EMI or Equated Monthly Installment is a fixed amount of money that you pay towards the repayment of your loan, every month. It is equal across all months throughout the tenure of your loan.

A car loan EMI calculator is a useful online tool that can help you calculate your monthly car loan EMI payments in just a few clicks. All you need to do is enter some basic information about your loan, such as the loan amount, interest rate, and tenure. The calculator will then use this information to generate an estimated EMI payment for you.

One of the advantages of using a car loan EMI calculator is that it can help you budget for your monthly payments. By knowing exactly how much you need to pay each month, you can better plan your finances and avoid falling behind on your repayments.

Another benefit of using a car loan EMI calculator is that it can help you compare different loans from different lenders. This way, you can choose the best deal for your needs and ensure that you are getting the most competitive interest rates and terms.

So, if you are looking to finance a new car, be sure to use a car loan EMI calculator to help you budget for your monthly payments and find the best deal possible!

Personal Loan EMI Calculator

A personal loan EMI calculator is a simple online tool that can help you calculate your monthly loan repayments. All you need to do is enter some basic information about your loan, such as the amount, interest rate, and repayment period. The calculator will then generate an estimate of your monthly repayments.

This can be a useful tool if you’re considering taking out a personal loan. It can help you budget for your repayments and give you an idea of how much you’ll need to pay back each month. It’s also a good way to compare different loans and see which one offers the best value for money.

To use a personal loan EMI calculator, simply enter the required information into the fields provided. You’ll then be given an estimate of your monthly repayments. Remember, this is only an estimate – your actual repayments may differ depending on the interest rate and other factors.

Conclusion

Calculating the EMI on home, car, and personal loans can be a complex process. However, with the right information and tools at your fingertips, it is possible to accurately calculate your loan’sEMI so that you are able to budget effectively. We hope this article has provided you with an understanding of how to calculate EMIs for these types of loans so that you are armed with all of the necessary information when it comes time to make a loan repayment decision.

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