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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: There may be wholesome and difficult competitors within the Indian market, which can be value delicate, the nation’s largest airline IndiGo’s chief Pieter Elbers mentioned and emphasised that there’s an unlimited demand for journey. On the helm of the airline having a home market share of little over 60 per cent and greater than 360 plane in its fleet, Elbers additionally talked about that total value ranges in India are “very very competitive”, one thing that he thinks one ought to take “as part of the change in India itself and the diversity of India”.Whereas air site visitors continues to rise and airways increase their operations by connecting new locations, there are additionally considerations in sure quarters about airfares being greater, particularly throughout peak seasons. Air ticket costs within the nation are deregulated, and fares are largely a perform of provide and demand. In a latest interview with PTI, Elbers mentioned there may be wholesome and difficult competitors within the Indian market. “Indian consumers are really eager to travel, but it is also a price-sensitive market. What I see is that whenever a new route is announced, there is enormous demand from consumers to travel,” the IndiGo CEO mentioned. The nation is likely one of the world’s fastest-growing civil aviation markets. On common, the variety of day by day home air site visitors is round 4.3-4.5 lakh, and home airways carried greater than 15.20 crore passengers in 2023. “India is indeed a price sensitive market, and we see some fluctuations in the prices… the natural fluctuation of fares, we see it for hotels, we see it for other businesses and airlines as well. “In the event you have a look at the general value stage in India, it is extremely very aggressive, if not low, in comparison with another components of the world. I feel it’s best to take it as a part of the change in India itself and the range of India,” Elbers said. According to travel portal Cleartrip, airfares are likely to remain higher in the short term and up to 15 per cent higher till May compared to the year-ago period. “As a result of ongoing provide chain and engine points, there’s a muted outlook on the capability addition. This may result in a high-fare setting for home journey. We’re working at 15 per cent greater fares than final yr in March. An identical pattern is anticipated in April. Each are in comparison with final yr,” Cleartrip CEO Ayyappan Rajagopal mentioned. Earlier this month, Akasa Air Founder and CEO Vinay Dube mentioned that airfares in India are extremely inexpensive. In February this yr, a Parliamentary panel proposed route-specific capping of airfares and organising of a separate entity to train management over air ticket costs, amid considerations in varied quarters about surging fares. After contemplating the responses from the Civil Aviation Ministry on airfares, the committee mentioned that self-regulation of ticket costs by airways has not been efficient.
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