Mutual fund mein kitna invest karein, salary ka percentage, kitna SIP — complete Hindi guide.
Published by The Retail Trader · AUG 09, 2026 · Features
Mutual fund mein kitna invest karein, salary ka percentage, kitna SIP — complete Hindi guide.
Rule: Salary ka 15-20% invest karo. Pehle emergency fund banao, phir SIP start karo.
Ye paanch baatein dhyaan mein rakho:
• ₹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
Ye chaar baatein dhyaan mein rakho:
• ₹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%
Ye chaar baatein dhyaan mein rakho:
• Emergency fund — 6 months expenses
• Health insurance — ₹5-10L cover
• Term insurance — ₹50L-1Cr (if dependents)
• High-interest debt — Pay off credit cards
Ye baatein dhyaan mein rakho:
• 📌 MF MEIN KITNA PAISA
• 📊 Salary ka 15-20% invest karo
• 📊 ₹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.
Ye article sirf educational hai — koi buy ya sell recommendation nahi, koi guaranteed return ka daawa nahi, aur koi advisory nahi. Rules, rates aur mechanics exchange, SEBI aur RBI time-time par badalte hain, isliye har number apne broker ya official source par khud verify karo.