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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: Income of REA India, proprietor of Housing.com and PropTiger, rose 21 per cent to Rs 238 crore throughout newest July-December interval on sturdy demand of residential properties, its CEO Dhruv Agarwala mentioned. The corporate would proceed to put money into new merchandise, applied sciences and branding-marketing actions to additional develop its enterprise and set up a big lead in opposition to rivals, he mentioned. REA India, which is a part of Australia’s publicly listed agency REA, is a full-stack actual property expertise agency and owns two on-line categorized commercial platforms Housing.com and Makaan.com in addition to housing brokerage PropTiger. In an interview with PTI, Agarwala mentioned the corporate posted a 21 per cent development in income to 44 million Australian {dollars} (almost Rs 240 crore) throughout July-December interval of the 2023-24 fiscal 12 months ending June. Within the year-ago interval, the income stood at AUD (Australian greenback) 36 million. Agarwala highlighted that income from its core enterprise, promoting and housing brokerage, grew 32 per cent to AUD 32 million. However, the adjacency enterprise, which is offering different associated companies to clients like movers and packers, insurance coverage and mortgage, remained flat at AUD 12 million. Agarwala highlighted that Housing.com has seen a four-fold leap in month-to-month site visitors on its web site to over 20 million in comparison with the pre-Covid ranges on demand revival and quick adoption of digital instruments within the realty sector. Throughout the July-December interval, the online site visitors on Housing.com rose 5 per cent yearly and was 1.2 occasions than the closest competitor. “The other thing which is good for us is that our app traffic grew by 43 per cent year on year and our share of overall app downloads is about 46 per cent at the end of the first half of the year,” he mentioned, including that the corporate was specializing in driving increasingly more site visitors to the app whereas enhancing upon consumer expertise. Requested concerning the outlook for the complete fiscal ending June, Agarwala didn’t present any income steerage however mentioned that the housing demand has been very sturdy from previous few years and the momentum would maintain for a long run. REA India income had elevated 46 per cent to greater than Rs 430 crore in 2022-23 fiscal (July-June) as in opposition to almost Rs 300 crore income in 2021-22. Requested concerning the timeline to attain break-even, Agarwala mentioned the corporate’s losses peaked in 2022-23 and it will preserve lowering each fiscal 12 months. “We will continue to invest in the business to extend our market leadership and to become a clear number one in the Indian market. Having said that, you know, as we have committed to the analyst, that we will keep bringing down losses year on year after FY’23,” he mentioned, including that there was a discount within the first half as nicely. In December 2020, Australia’s REA Group acquired a controlling stake in Elara Applied sciences, which earlier owned these three portals, and renamed it as REA India. Housing.com, which was based in 2012, is a proptech platform for owners/house seekers, landlords, builders, and actual property brokers. It gives listings for brand new houses, resale houses, leases, plots, industrial areas and co-living areas in India. Based in 2011, PropTiger.com is a housing brokerage agency. Makaan.com is an promoting platform.
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