Modest Income? Here's How You Still Build a ₹10 Lakh Corpus

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How to Build a ₹10 Lakh Corpus in 5 Years — Even With a Modest Income

Introduction: Why ₹10 Lakh Matters
For most Indian families, a ₹10 lakh corpus can mean a child’s education, a home down payment, business capital, or a medical safety net. And you don’t need a high income to build it. You need a clear plan, consistent investment, and discipline.


📑 Table of Contents

  1. How Much Should You Invest Monthly?
  2. Choosing the Right Mix: Safety vs Growth
  3. Disciplined Steps to Stay on Track
  4. Final Thought

🧮 How Much Should You Invest Monthly?

Here’s how different investment amounts and return expectations can help you reach your ₹10 lakh goal in 5 years:

Monthly Investment Expected Return (CAGR) Time Frame Final Corpus (₹)
₹10,000 10% 5 Years ₹7.75 Lakh
₹12,500 10% 5 Years ₹9.69 Lakh
₹14,000 12% 5 Years ₹10.05 Lakh
₹16,500 8% 5 Years ₹10.03 Lakh

⚖️ Choosing the Right Mix: Safety vs Growth

Here are some broad categories to consider when selecting your investment mix:

Type of Investment Return Potential Risk Level Use Case
Recurring Deposits 6–7% Very Low Safety & discipline
Post Office TD 7.5–8% Very Low Guaranteed growth
Conservative Mutual Funds 8–10% Low Balanced growth
Flexi-Cap MFs / Stocks 10–14% High Growth with risk

⏰ Disciplined Steps to Stay on Track

  • Automate your SIPs or RD deductions on salary day.
  • Avoid lifestyle inflation — don’t upgrade expenses with each raise.
  • Top-up SIPs every year after appraisal or bonus.
  • Park any windfall like bonuses or tax refunds into safe investments.
  • Review your plan annually — don’t chase quick profits.

🌟 Final Thought

₹10 lakh in 5 years is not a fantasy. Whether you earn ₹25,000 or ₹1 lakh per month — what matters is not how much you earn, but how consistently you save and grow it. Small steps, taken steadily, build wealth silently.

Note: Comments are moderated. Please avoid personal queries or advice requests. This is an educational platform only.

Disclaimer: At DishaNivesh, we aim to simplify financial concepts and promote awareness. This content is for educational use only and should not be taken as personal financial advice. Please consult a registered advisor before making any investment decisions.

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