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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.
NEW DELHI: Shares of One97 Communications declined almost 2% to 419 on Wednesday from earlier shut of 427 on Tuesday. Paytm led to crimson on Tuesday, regardless of rising 5% on each Bombay Inventory Trade (BSE) and Nationwide Inventory Trade (NSE) within the morning session. The shares settled at 427.50 apiece on BSE, down 0.11%, whereas on NSE, they closed at 426.95, down 0.27%. Earlier, within the morning session, the inventory climbed 4.98% to 449.30 on BSE and 4.99% to 449.50 on NSE, hitting their higher circuit limits.This surge adopted Vijay Shekhar Sharma’s resignation as part-time non-executive chairman of Paytm Funds Financial institution Restricted (PPBL) and as a board member.Sharma’s choice comes after the RBI requested PPBL to cease additional deposits, credit score transactions, or top-ups in any buyer accounts, pay as you go devices, wallets, FASTags, and Nationwide Widespread Mobility Playing cards, by March 15, citing non-compliance with sure norms.In keeping with the RBI, India’s banking regulator has instructed the Nationwide Funds Company of India (NPCI) to think about Paytm’s proposal to develop into a platform for peer-to-peer funds.The transfer signifies a doable softening of the RBI’s place.”NPCI has been advised by the RBI to examine the request of One97 Communication Ltd (OCL) to become a Third-Party Application Provider (TPAP) for UPI channel for continued UPI operation of the Paytm app, as per the norms,” it stated.On January 31, the RBI requested PPBL (Paytm Funds Financial institution Ltd) to cease additional deposits, credit score transactions, or top-ups in any buyer accounts, pay as you go devices, wallets, FASTags, and Nationwide Widespread Mobility Playing cards, after February 29. Later, the central financial institution prolonged the deadline until March 15.Paytm on February 9 introduced organising of a bunch advisory committee headed by Damodaran. The committee was set as much as advise the corporate on strengthening compliance and on regulatory issues.
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