Section outline

  • Real Planning – ₹1000 a Month Can Change the Future 💡📅

    Think you need lakhs to start saving for your child? Think again. With just ₹1000 a month — the cost of a family dinner or a fancy sari — you can build a future that supports your child’s dreams without stress or loans.

    • 🔹 Where Can ₹1000/Month Go?

       

      Investment Option Expected Returns Value After 15 Years Notes
      SIP in Mutual Fund 12% annually ~₹4.9 Lakhs Market linked, high growth
      PPF 7.1% annually ~₹3.1 Lakhs Safe, tax-free
      Recurring Deposit 6% annually ~₹2.9 Lakhs Short-term, safe

      Even if you’re a homemaker or earning a limited income, this amount is manageable, consistent, and powerful when used wisely. You can always increase it when your situation improves.

    • 🔹 Tips to Stay on Track

      • 🪙 Treat this like a non-negotiable expense, just like groceries or school fees
      • 📆 Automate the transfer on a fixed date (standing instruction)
      • 🎯 Visualize the goal — a degree, a wedding, a dream — and stay committed

      💡 Mini Activity

      Use your phone’s calculator or a SIP calculator app. Try different monthly amounts and durations. See how even small steps today build big results tomorrow.

      🌼 Final Thought

      Financial planning isn’t about being rich — it’s about being ready. And ₹1000 a month is a powerful first step. 🌱