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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.
MUMBAI: The Securities and Change Board of India (Sebi) on Wednesday informed the Bombay Excessive Court docket it might not take any additional motion on the summons issued by it to Essel Group Chairman Subhash Chandra in an alleged fund diversion case. Chandra had filed a petition earlier this month difficult the summons and had searched for it to be quashed. The businessman’s counsel, Ravi Kadam, searched for your entire proceedings initiated by the Sebi to be quashed and argued that the capital market watchdog was going forward with the probe in a “predetermined” method. A division bench of Justices Girish Kulkarni and Firdosh Pooniwalla on Wednesday permitted the Sebi to file its affidavit in reply to Chandra’s petition. The regulator’s counsel, Mustafa Physician, informed the bench that for a interval of three weeks from right this moment (March 20), no additional motion underneath the summons shall be taken. “We accept the statement,” the bench mentioned and posted the matter for additional listening to on April 10. In January, the inventory market regulator had issued a number of summonses to Chandra.
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