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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

Story continues beneath Commercial

The Nationwide Inventory Change (NSE) has on April 3 introduced the launch of 4 new indices efficient from April 8, in each the capital markets and Futures & Choices segments.
These 4 new indices are Nifty Tata Group 25 p.c Cap, Nifty 500 Multicap India Manufacturing 50:30:20, Nifty 500 Multicap Infrastructure 50:30:20, and Nifty MidSmall Healthcare.

Story continues beneath Commercial

“Consequently, the broadcast of the indices will be made available to F&O members in NEAT+ terminals under the multiple index inquiry screen,” NSE stated in a round.
Nifty MidSmall Healthcare
The Nifty MidSmall Healthcare index tracks the efficiency of midcap and small cap shares belonging to healthcare sector. The highest constituents of the index are Max Healthcare Institute, Lupin Restricted, and Aurobindo Pharma. The index has given returns of 21.33 p.c since inception.

Story continues beneath Commercial

Nifty 500 Multicap India Manufacturing 50:30:20
The index goals to trace the efficiency of choose massive cap, mid cap and small cap shares from the Nifty 500 index that characterize the manufacturing theme. High constituents of the index are Reliance Industries, Solar Pharma, and Tata Motors. The index has given returns of 15.72 p.c since inception.
Nifty Tata Group 25 p.c Cap

Story continues beneath Commercial

The index is designed to mirror efficiency of NSE listed corporations belonging to a specific company group. It has given returns of 17.34 p.c returns since inception. The highest three constituents of the index are TCS, Tata Motors, and Titan Firm.
Nifty500 Multicap Infrastructure 50:30:20
The index goals to trace the efficiency of choose massive cap, mid cap and small cap shares from the Nifty 500 index that represents the infrastructure theme. The highest constituents within the index are Larsen & Tourbo, Reliance Industries, and Bharti Airtel. The index has given returns of 15.81 p.c since inception.

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#NSE #launch #indices #capital #markets #April

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