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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: Revenue Tax Division has imposed a penalty of Rs 103.63 crore on Tata Chemical substances for violation associated to disallowance of curiosity. In a regulatory submitting on Thursday, Tata Chemical substances stated it has obtained an order from Nationwide Faceless Evaluation Centre, Revenue Tax Division, levying a penalty of Rs 103.63 crore beneath Part 270A of the Revenue Tax Act for disallowance of curiosity beneath part 36(1)(iii) of the Act. Primarily based on the deserves of the matter, prevailing regulation and the recommendation of the counsel, Tata Chemical substances stated it’s planning to enchantment towards this order earlier than the Nationwide Faceless Attraction Centre (appellate authorities). The corporate stated it fairly expects beneficial orders from the appellant authorities. Tata Chemical substances is a Tata group firm. Shares of Tata Chemical substances settled 0.31 per cent increased at Rs 1,035.10 per cent on the BSE.
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