If you stop drinking tea outside (costing ₹10-₹15 per cup daily) and invest the savings, you can build significant wealth in 10 years!
🔢 Step 1: Calculate Daily & Monthly Savings
✅ Tea Cost per Day: ₹10
✅ Monthly Savings: ₹10 × 30 days = ₹300
✅ Yearly Savings: ₹300 × 12 months = ₹3,600
Now, let’s see how this grows over 10 years with different interest rates (10%, 12%, 15%) using a monthly SIP investment.
📈 Step 2: Wealth Growth After 10 Years (SIP Calculation)
| Rate of Return | Final Amount After 10 Years (₹300/month SIP) |
|---|---|
| 10% Return | ₹ 6,18,000 |
| 12% Return | ₹ 6,98,000 |
| 15% Return | ₹ 8,31,000 |
📌 Key Insight:
- Just by cutting ₹10 tea per day, you can build ₹6 – ₹8.3 Lakhs in 10 years!
- If tea costs ₹15 per day, the amount will be ₹9 – ₹12 Lakhs.
🔥 Final Action Plan
✔ Invest ₹300 per month in an Index Fund (Nifty 50 ETF / Mutual Fund SIP).
✔ Let it compound for 10 years – do not withdraw early.
✔ If you invest ₹500/month, wealth can grow beyond ₹12 Lakhs at 15% return!
🚀 Step-by-Step Guide to Invest ₹300/Month & Build ₹8+ Lakhs in 10 Years
Since you want to save and invest ₹300/month (by cutting a tea habit), I’ll guide you on how to set up your investment easily.
📌 Step 1: Choose the Best Investment Platform
You need a Demat account to invest in Mutual Funds or ETFs. You can use:
✅ Zerodha Coin (Best for Direct Mutual Funds) – https://coin.zerodha.com/
✅ Groww App (User-Friendly) – https://groww.in/
✅ Upstox (Best for ETFs & Stocks) – https://upstox.com/
📌 Step 2: Select the Best Investment Option
For ₹300/month, we need an option that offers high returns + compounding benefits.
🔹 Option 1: Nifty 50 Index Mutual Fund (Best for 10-12% Returns)
- Fund Name: UTI Nifty 50 Index Fund (Direct Growth)
- Why? Low cost, safe, and gives market-average returns (~12%)
- Investment Type: SIP (Systematic Investment Plan)
🔹 Option 2: Nifty 50 ETF (Best for 12-15% Returns)
- Fund Name: Nippon India Nifty 50 ETF
- Why? Trades like stocks & offers slightly better returns (~12-15%)
- Investment Type: Buy ETF units through Zerodha / Upstox
📌 Step 3: Set Up Your Monthly SIP Investment
Follow these steps:
✅ For Mutual Funds (Zerodha Coin / Groww)
1️⃣ Sign Up & Complete KYC on Zerodha Coin / Groww
2️⃣ Search “UTI Nifty 50 Index Fund – Direct Growth”
3️⃣ Click “Start SIP” and enter ₹300/month
4️⃣ Enable Auto-Debit (from your bank) to invest automatically every month
5️⃣ Done! 🚀
✅ For ETFs (Zerodha / Upstox)
1️⃣ Open a Demat account on Zerodha / Upstox
2️⃣ Search “Nippon India Nifty 50 ETF”
3️⃣ Buy 1 unit every month (~₹250-₹300 per unit)
4️⃣ Hold for 10+ years for maximum returns 📈
📌 Step 4: Track & Hold for 10+ Years
- Use Groww, Zerodha, or Upstox to track your portfolio
- Do not panic if markets fall – it will recover over time
- Keep investing ₹300/month for consistent growth
🔥 Final Result After 10 Years
✅ At 10% Returns → ₹6.18 Lakhs
✅ At 12% Returns → ₹6.98 Lakhs
✅ At 15% Returns → ₹8.31 Lakhs 🎯
📌 Financial Disclaimer
Investment in mutual funds and stock markets is subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not indicative of future returns. The information provided here is for educational purposes only and should not be considered as financial advice. Investors should conduct their own research and consult with a financial advisor before making any investment decisions.
