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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.
India post payment bank ifsc code
Are you looking for the IFSC code of India Post Payment Bank’s branch in Bangalore, Karnataka? In this article, we will provide you with all the information you need to find the correct IFSC code for this branch.
INDIA POST PAYMENTS BANK LIMITED – IFSC Code
What is the IFSC code?
IFSC stands for Indian Financial System Code. It is a unique code assigned to every bank branch in India by the Reserve Bank of India (RBI). The code is used to identify a specific bank branch in online transactions, including NEFT, RTGS, and IMPS.
IFSC Code of India Post Payment Bank, Bangalore Branch
The IFSC code for the India Post Payment Bank branch in Bangalore, Karnataka, is IPOS0000001. The branch code is 000001, and the address is (insert the complete address of the bank branch). The first four characters of the IFSC code (IPOS) represent the bank name, followed by a zero (0), which is reserved for future use. The remaining six characters represent the bank branch.
How to find IFSC Code?
There are several ways to find the IFSC code of a bank branch. The easiest way is to look for it on the bank’s website. Most banks have a dedicated page where they provide IFSC codes for all their branches. Alternatively, you can also search for the IFSC code on third-party websites, such as RBI’s website, or online directories that provide bank-related information.
Conclusion
In conclusion, finding the IFSC code for India Post Payment Bank’s branch in Bangalore, Karnataka is a straightforward process. By using the information provided in this article, you can easily find the correct IFSC code for this bank branch and complete your online transactions without any hassle.
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