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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

Jumbotail, a B2B market for meals and grocery, has raised Rs 151 crore led by Artal Asia Heron Rock, Sabre Funding, Arkam Ventures, amongst others. Jumbotail plans to deploy these funds in scaling its suite of go-to-market services and products for brand new manufacturers to achieve mass market shoppers through its kirana retailer community. Jumbotail is constructing AI instruments to develop its buyer pockets share by leveraging its sourcing capabilities throughout FMCG and staples. Ashish Jhina, co-founder, and COO Jumbotail stated, “We will strengthen our leadership position by going deeper into our existing markets and by helping brands reach kiranas with the lowest total cost of activation and the fastest route to market. We expect to be profitable on an operational basis across our entire network before the end of 2024.”An estimated 12 million kirana shops in India management greater than 95% of the nation’s $600 billion meals and grocery market. Kiranas have confirmed to be a lifeline for Indian shoppers, and the financial engine for the nation. With over 60% of market penetration of kiranas within the cities it serves, Jumbotail has the very best pockets share and month-to-month buy frequency of small and mid-sized kirana shops within the trade. The corporate plans to rent groups in deep sourcing, class administration, product administration, AI/ML, and advertising.

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