SIP Investment: In today’s world, inflation is rising so rapidly that simply saving money is not enough. Everyone thinks that a large sum of money is required to build a substantial fund, but the reality is that small investments can turn into large funds over time. If you start a SIP of just ₹7000 every month, this small amount can create a fund of more than ₹40 lakh in 15 years.
The Right Time to Start Investing
The year 2026 has begun. If you start your investment journey this month, you will get the full benefit of compounding. This growth may seem slow in the initial years, but over time your money grows rapidly. With a ₹7000 SIP, your fund can reach more than ₹40 lakh in 15 years.
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How Much Return Can You Expect from a SIP?
Let’s say you started investing ₹7000 every month in a mutual fund from January 2026. If you get an average annual return of 15%, then after 15 years, your total deposited amount and the interest earned on it can reach approximately ₹43 lakh. Even if the return is 12% annually, your fund can still reach approximately ₹33 lakh. This shows that even small investments can yield big benefits in the long run.
Why is SIP the Best for Common Investors?
Why is SIP better than other investment options like gold, FDs, or property? The biggest advantage is rupee cost averaging. When the market falls, you get more units, and when it rises, you get fewer. This keeps the average cost low and reduces risk. SIP also brings regular discipline, as the money is deducted on a fixed date every month. Due to its flexibility, you can increase or decrease your investment as needed.
Is a 15% Return Possible?
Mutual funds are linked to the stock market, so there is no guaranteed return. However, data from the last 10-15 years shows that many large-cap and flexi-cap funds have given returns of 15% to 18%. Therefore, according to experienced investors, a 15% return can be expected.
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Things to keep in mind while investing
Patience is the most important thing on this journey to becoming wealthy. Withdrawing money prematurely can lead to losses. Choosing the right fund is also crucial, and the investment amount should depend on your risk tolerance. Considering inflation, it’s a good idea to increase your SIP amount by 5-10% every year. This is called a step-up SIP, which further strengthens the power of your fund in the future.
Small steps today, big relief tomorrow
We cannot stop inflation, but we can prepare for it starting today. A ₹7000 SIP can become your future support system, create a fund for your children’s education, and help you get the keys to your dream home.
