Spoiler: No, we’re not. And neither is compounding.
In a world where your weekend coffee run costs more than an SIP, the idea that ₹2,000/month can make you wealthy sounds like a scam. But what if it’s not?
According to CA Neha Pathak in a recent article by India Today, this small but consistent investment could compound into crores over time. Yes, really.
How ₹2,000/Month Turns into ₹70+ Lakh
- ₹2,000/month = ₹24,000/year
- Over 30 years = ₹7.2 lakh invested
- Assuming 12% annual returns (common with good equity mutual funds), you end up with ₹70 lakh+
- Stretch it to 35–40 years? You’re looking at ₹1–₹1.5 crore
Small money + big time = serious wealth.
But 30 Years? That’s Forever!
Yes, and so is retirement. SIPs aren’t get-rich-quick schemes—they’re get-rich-slow-but-sure plans. Most people spend ₹2,000 a month on things they forget by the weekend. Why not redirect that?
Why SIPs Work (and Why Most Don’t Stick With Them)
- They’re automated
- They don’t require timing the market
- They build habits, not just returns
- They keep your emotions out of investing
The real enemy? Inconsistency.
Compounding: The Most Loyal Partner You’ll Ever Have
It doesn’t ghost you. It doesn’t lie. It just quietly keeps growing—if you let it.
And all it asks in return? Patience. Discipline. Time.
Final Thought
₹2,000 won’t buy you a luxury vacation today. But it could buy you financial peace for life.
Start small. Stay steady. Let the math do its thing.
Inspired by insights from India Today’s article featuring CA Neha Pathak. Read it here: India Today
