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Use our free SIP Calculator to estimate your investment returns, visualize compounding, and start building wealth today — no sign-up required.
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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.
How to take loan from kissht app
How to take loan from kissht app : Kissht app provides quick personal loans, online shopping loans, and revolving line of credit from Rs. 10,000/- to Rs. 1,00,000/- basis your credit profile. Get affordable interest rates on different credit loans with APR ranging from 14% – 28% per annum and loan tenure from 3 to 24 months.
Kissht is India’s quickest credit loan app where one can avail EMI without credit card for online purchase of your favorite products and also a revolving line of credit Fast Cash loan at low-interest rate with zero collateral. All credit loans approved by NBFCs registered with RBI and communicated to users during online loan application.
personal loan and Line of credit for salaried and self-employed above 21 years of age. Minimum salary = ₹12,000 per month for quick credit approval
Types of Personal Loans offered by the Kissht loan app
1. Online Shopping Purchase Loan: Shop online from our partners like Flipkart, Amazon, Samsung on EMIs and avail finance for shopping vouchers on India’s first and fastest shopping loan app. Repay in 3 to 24 months and APR is between 14% and 24%.
2. Quick Personal Loan for Salaried & Self-employed: Kissht loan app offers quick personal loans for salaried & small business loans for self-employed, the credit amount ranges from Rs. 5,000 to Rs.1,00,000/- with tenure from 3 to 15 months, based on individual’s credit profile and APR is between 16% and 26%.
3. Revolving line of credit upto 2 years: Kissht is also India’s fastest credit line app. This is a revolving credit line facility where the customer can repay and reuse the credit line limit seamlessly for next 2 years, till the customer is paying on time. To incentivize better credit behaviour, the customer is offered reduction in fees and waiver on instalments upon timely repayments. The customer can avail revolving credit line limit up to Rs. 30,000. The APR is between 20% and 28%.
*Interest Rate varies based on customer’s current risk profile
Examples of EMI, Fees, Interest rates for quick credit products offered by Kissht loan app
1. Quick Personal loan: Salaried customer (low risk) avail quick personal loan of ₹30,000 at an interest rate of 18% with a processing fee of ₹750 for a tenure of 12 months. The APR is 22.91%.
Loan amount: ₹30,000; Interest Rate: 18% per annum; Tenure: 12 months
Interest Payable: ₹3,005
EMI: ₹2,750 per month
2. Online Shopping Purchase loan: For customer purchasing OnePlus 8T for Rs. 48,000 at 20% interest rate per annum. With a tenure of 15 months, Processing fee: Rs.1,200. EMI amount: Rs. 3643/month. APR offered is 24.03%.
3. Revolving Line of Credit: A good self-employed customer can avail a creditline of Rs. 25,000 for a period of 2 years. Over a two-year period, the total fees (includes processing fees and one-time initiation fee) charged is 9%. The interest rate is 18% per annum. The APR for the revolving credit line come as 27.54%.
Easy steps to apply for online personal loan and credit line
1. Install Kissht loan app
2. Register with mobile number and accept basic permissions
3. Submit KYC documents for instant credit eligibility check
4. Sign online loan agreement from approved NBFCs
5. Get instant loan approval and money is transferred to your bank account
Why Choose Kissht app for Quick Personal Loan and Line of Credit
✔ Approval from RBI-registered NBFCs
✔ Low-interest rates and processing fees
✔ Convenient repayment options for low-cost EMIs
✔ Online personal loan approval in just 5 minutes
✔ No collateral & credit card required
✔ Easy repayment from UPI, Debit Card, and Bank Transfer
Contact our support team for any personal loan queries:
1. Call- 022 62820570
2. WhatsApp- 022 48913044
3. Email- care@kissht.com
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