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How much to invest in mutual funds, percentage of salary, how much SIP — complete Hindi guide.
Published by The Retail Trader · AUG 09, 2026 · Features
How much to invest in mutual funds, percentage of salary, how much SIP — complete Hindi guide.
Rule: Invest 15-20% of salary. First create an emergency fund, then start SIP.
Keep these five points in mind:
• ₹20,000 — SIP Amount (20%): ₹4,000, After 20 Years @ 12%: ₹39.9L
• ₹30,000 — SIP Amount (20%): ₹6,000, After 20 Years @ 12%: ₹59.9L
• ₹50,000 — SIP Amount (20%): ₹10,000, After 20 Years @ 12%: ₹99.8L
• ₹75,000 — SIP Amount (20%): ₹15,000, After 20 Years @ 12%: ₹1.50 Cr
• ₹1,00,000 — SIP Amount (20%): ₹20,000, After 20 Years @ 12%: ₹1.99 Cr
Keep these four points in mind:
• ₹20-30K — Large Cap: 70%, Mid Cap: 20%, Small Cap: 0%, Debt: 10%
• ₹30-50K — Large Cap: 50%, Mid Cap: 30%, Small Cap: 10%, Debt: 10%
• ₹50K-1L — Large Cap: 40%, Mid Cap: 30%, Small Cap: 20%, Debt: 10%
• ₹1L+ — Large Cap: 35%, Mid Cap: 30%, Small Cap: 25%, Debt: 10%
Keep these four points in mind:
• Emergency fund — 6 months expenses
• Health insurance — ₹5-10L cover
• Term insurance — ₹50L-1Cr (if dependents)
• High-interest debt — Pay off credit cards
Keep these points in mind:
• 📌How much money in MF
• 📊 Invest 15-20% of salary
• 📊 ₹50K salary → ₹10K/month SIP
• 📊 ₹10K SIP × 20 years @ 12% = ₹99.8L
• SPLIT:
• 📊 Large Cap: 40-70%
• 📊 Mid Cap: 20-30%
• 📊 Small Cap: 0-25%
• 📊 Debt: 10%
• BEFORE INVESTING:
• ✅ Emergency fund (6 months)
• ✅ Health insurance
• ✅ Term insurance
• ✅ No high-interest debt
The Retail Trader — educational market analysis. Not investment advice.
This article is for educational purposes only. It is not a buy or sell recommendation, a claim of guaranteed returns, or advisory guidance. Exchanges, SEBI and RBI change rules, rates and procedures from time to time, so verify every figure with your broker or an official source.