Meri pehli SIP ₹2,000/month: 3 saal mein ₹48,000 profit
Ek beginner apni pehli mutual fund SIP ka real experience share karta hai.
5 मिनट पढ़ें
1200 शब्द
1/4/2026
2021 mein maine pehli baar mutual fund mein invest kiya. ₹2,000/month Nifty 50 index fund. Mummy ne kaha "share market satta hai." Daddy ne kaha "FD karo." Maine mutual fund liya. 3 saal baad: ₹72,000 lagaaya. Value: ₹1,20,000. ₹48,000 profit. Bina kuch kiye. Main hoon Rohit, 28, Mumbai mein accountant.
उपयोग विधि
My SIP journey:
Fund: Nifty 50 Index Fund
Monthly: ₹2,000
Start: January 2021
Year 1 (2021): Invested ₹24,000 → Value ₹26,400 (+10%)
Year 2 (2022): Invested ₹48,000 → Value ₹44,160 (-8%, market crash)
Year 3 (2023): Invested ₹72,000 → Value ₹1,20,000 (+67%)
Total invested: ₹72,000
Current value: ₹1,20,000
Profit: ₹48,000 (+66.7%)
Annualized return: ~18.5%
Investment calculator mein:
Agar ₹5,000/month hoti:
Invested: ₹1,80,000
Value: ₹3,00,000
Profit: ₹1,20,000
Agar 10 saal continue kiya:
₹2,000/month × 10 saal = ₹2,40,000 invested
Expected value (12%): ~₹5,60,000
Agar 20 saal:
₹4,80,000 invested
Expected value: ~₹18,00,000
FD se comparison:
₹72,000 in FD (6%): ₹85,700 after 3 years
₹72,000 in SIP: ₹1,20,000 after 3 years
Difference: ₹34,300
प्रो टिप्स
Investment calculator istemal karein. Different monthly amounts aur time periods try karein. 20 saal ka result aapko convince karega.
Chhota amount se shuru karein. ₹500/month bhi kaafi hai. Consistency important hai.
Index fund best hai beginner ke liye. Nifty 50 ya Sensex. Low cost (0.1-0.3% expense ratio) aur diversified.
सामान्य गलतियाँ
Sabse badi galti: "Abhi market high hai, wait karein." Nobody knows market timing. SIP automatically average karti hai.
Doosri galti: Profit dekh ke paisa nikal lena. SIP ka fayda long term mein hai. 3 saal mein nikalna = tax + exit load.
Teesri galti: Active fund choose karna. 80% active funds index ko beat nahi kar paate. Expense ratio 1-2% hoti. Index fund 0.1-0.3%.