₹500/month SIP at 12% for 30 years = ₹17.6 lakh. That's 29× your investment of just ₹1.8 lakh.
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SIP = auto-debit a fixed amount monthly into a mutual fund. Like a recurring deposit, but with market-linked returns.
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Open Groww or Zerodha Coin. Enter PAN + Aadhaar. Complete video KYC. Done. No branch visit needed.
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Direct plans have no distributor commission — 0.5–1% lower expense ratio. Over 20 years, that's lakhs saved.
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Market down = you buy more units at lower price. Stopping SIP during a crash is the #1 investor mistake.
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Step-Up SIP: increase by 10% annually. ₹5,000/month growing 10%/year for 20 years = ₹1.2 crore corpus.
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