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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.
The Nationwide Fee for Safety of Little one Rights (NCPCR) has urged the federal government to research and take vital motion towards the Ullu App. The allegation is that the app is disseminating obscene and objectionable materials to its subscribers.In a letter to the Ministry of Electronics and Data, the NCPCR requested data relating to the laws and coverage certification governing such apps.The NCPCR, established beneath Part 3 of the Fee for Safety of Little one Rights (CPCR) Act, 2005, is a statutory physique liable for safeguarding little one rights and associated issues within the nation. It additionally screens the efficient implementation of the Safety of Youngsters from Sexual Offences (POCSO) Act, 2012, the Juvenile Justice (Care and Safety of Youngsters) Act, 2015, and the Proper to Free and Obligatory Schooling (RTE) Act, 20091.’Ullu app reveals obscene content material focused at college youngsters’Based on the NCPCR, the Ullu App, obtainable on each Google Play Retailer and iOS cellular platforms, comprises extremely objectionable content material that’s accessible to subscribers, together with youngsters. Surprisingly, the app lacks any Know Your Buyer (KYC) requirement for downloading or viewing its content material inside non-public groups1.The NCPCR alleges that the app particularly targets faculty youngsters with specific sexual scenes and plotlines. Screenshots from one of many reveals depict sexual activity between faculty youngsters, as highlighted by the complainant. The grievance, which is self-explanatory, emphasizes that these functions lack age verification techniques, permitting specific content material to be simply accessible to minors. Such accessibility is a direct violation of Part 11 of the Safety of Youngsters from Sexual Offences (POCSO) Act, 20121.Given the gravity of the state of affairs, the NCPCR recommends that applicable motion be taken towards the Ullu App, Google Play Retailer, and iOS in accordance with the regulation.
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