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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.
Prathama UP gramin bank ifsc code
The IFSC code is a critical piece of information that is required for online banking transactions. In this article, we will provide detailed information about the Punjab National Bank (PNB) and Prathama U.P. Gramin Bank (PUGB) IFSC code for the Moradabad branch (PUNB0SUPGB5).
PNB is one of the largest public sector banks in India, with a vast network of branches across the country. Prathama U.P. Gramin Bank is a regional rural bank that operates in the Uttar Pradesh region of India. The collaboration between PNB and PUGB has made banking more accessible to people in rural areas.
IFSC stands for Indian Financial System Code, which is an 11-digit alphanumeric code assigned by the Reserve Bank of India (RBI) to identify bank branches uniquely. The IFSC code is used in electronic fund transfer (EFT) systems such as NEFT, RTGS, and IMPS, to transfer funds securely and efficiently.
The IFSC code for the PNB Moradabad branch operated by Prathama U.P. Gramin Bank is PUNB0SUPGB5. Let us break down this code to understand its components. The first four characters ‘PUNB’ represent the bank code of Punjab National Bank.
The next character ‘0’ is a control character that is reserved for future use. The following four characters ‘SUPG’ represent the bank code of Prathama U.P. Gramin Bank. The last character ‘B5’ represents the branch code of the Moradabad branch.
It is essential to note that each bank branch has a unique IFSC code. Therefore, it is crucial to verify the IFSC code before initiating any electronic fund transfer to avoid any errors or delays.
Here is a summary of the key points covered in this article:
- PNB is one of the largest public sector banks in India, with a vast network of branches across the country.
- Prathama U.P. Gramin Bank is a regional rural bank that operates in the Uttar Pradesh region of India.
- The IFSC code is a critical piece of information required for online banking transactions.
- The IFSC code for the PNB Moradabad branch operated by Prathama U.P. Gramin Bank is PUNB0SUPGB5.
- Each bank branch has a unique IFSC code, which must be verified before initiating any electronic fund transfer.
In conclusion, this article provides a comprehensive and informative guide on the Punjab National Bank (PNB) and Prathama U.P. Gramin Bank (PUGB) IFSC code for the Moradabad branch (PUNB0SUPGB5). We hope this article has been helpful in providing you with the necessary information required for your online banking transactions.
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