हर महीने की बचत से कैसे बने करोड़पति जानिए

[{"selector":"#anim-63404a76-7dbe-4a73-87f0-916a67cce502","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d0d2ac7e-9136-4d5a-b221-83b5528d9305","keyframes":{"transform":["translate3d(0px, 132.53967%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Image Credit: istock by Roopali Sharma | AUG 22 , 2025

10 साल में 1 करोड़ का टारगेट है, यानी हर महीने लगभग ₹40–50 हजार इन्वेस्टमेंट ज़रूरी होगा

[{"selector":"#anim-3198550e-e641-43b6-b1c7-631279a22234","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8168a00d-1e7c-4a96-8541-7a66f801102a","keyframes":{"transform":["translate3d(0px, 140.87302%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e5597f13-221d-41da-8a6b-2bfdbbaf098a","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7ed4f7b5-d682-442a-8aed-f2121c297ba7","keyframes":{"transform":["translate3d(0px, 182.55980%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1e03ed79-244c-46c9-9a0a-25a93595e0f7 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(9.783878260643029%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Image Credit: istock

अपनी इनकम का 60% हिस्सा इक्विटी म्यूच्यूअल फण्ड में SIP करें

[{"selector":"#anim-8074f5a5-e2ad-47f8-80eb-807e40ba8c29","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bc5980c1-78e5-43c0-8467-46198b0877c3","keyframes":{"transform":["translate3d(0px, 140.87302%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ac4861df-8e5e-420d-bb73-b9ac3146a653","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5e9941c2-0072-4fc1-9378-eef5736b2257","keyframes":{"transform":["translate3d(0px, 182.55980%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-973edde2-897d-45de-a67d-1759bf843e87 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(7.812499744007886%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Image Credit: istock

सालाना ₹1.5 लाख (₹12,500/माह) तक PPF में डालें इससे टैक्स बचेगा और रिटर्न भी मिलेगा

[{"selector":"#anim-a6c1fea4-30e8-4cb5-9343-d139b68958bf","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a42210de-bb29-4d79-8b14-e50afe9b107a","keyframes":{"transform":["translate3d(0px, 140.87302%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d58f2c41-66ad-42b3-a5a7-1c629609d9d9","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5827c6c7-4be0-4207-bd4f-57e9298eb862","keyframes":{"transform":["translate3d(0px, 182.55980%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0c8b15ae-1a92-4d19-b107-5134b62230ed [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(31.287802303362582%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Image Credit: google

₹50,000–1,00,000 NPS में डालें इक्विटी व डेब्ट एक्सपोज़ मिलेगा, टैक्स बचत होगी

[{"selector":"#anim-65cce46e-37dd-4369-acce-ee07f4bf6708","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e6da6241-c22e-445f-b86a-140a09283653","keyframes":{"transform":["translate3d(0px, 140.87302%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bfaa9d6c-2142-4354-84cc-f77c502fd419","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ce56a4d9-7018-4d4a-9ec4-aa81f15f1949","keyframes":{"transform":["translate3d(0px, 177.49651%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-40c8786a-0359-41f4-b3a4-7a5aaf3680bc [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(7.812499744007886%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Image Credit: istock

6 महीने के खर्च जितनी राशि FD या लिक्विड फण्ड में रखें ताकि ज़रूरत पड़ने पर इस्तेमाल हो सके

[{"selector":"#anim-e51b73be-edbf-4548-a598-d1ccd3119269","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d770ee9e-6caa-4635-bb0c-682f381c65ca","keyframes":{"transform":["translate3d(0px, 140.87302%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ff4bad38-0a45-4c12-bda6-9cbd513e6355","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f34b9b8d-2f2a-4d64-b669-a8dfeb49eb9a","keyframes":{"transform":["translate3d(0px, 177.49651%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bf183182-baf6-4426-beb3-ad252d33100a [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(7.812499744007886%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Image Credit: istock

10% राशि गोल्ड ETF या गोल्ड बोंड में डालें, ये इन्फ्लेशन से बचाता है

[{"selector":"#anim-994d1d34-5ef2-42ab-b99f-b7a05a0cc8b7","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-443e556f-741b-44df-97fb-85caa902aafc","keyframes":{"transform":["translate3d(0px, 140.87302%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e2343b21-6d5f-4c24-8a5a-7089fb982116","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3dd8a8dc-c24a-4334-8350-2b8da43ad5ff","keyframes":{"transform":["translate3d(0px, 182.55980%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f1edeafc-1647-4672-9244-f25fc95009fb [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(43.699243890952715%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Image Credit: istock

हेल्थ इंस्युरेन्स और लाइफ इंस्युरेन्स ज़रूर लें ताकि अचानक खर्च से बचत न टूटे

[{"selector":"#anim-6b946881-aa2c-4ddd-b5b1-11c9c0a4a06d","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-81a8ab52-030d-4949-b3b6-47dff3547082","keyframes":{"transform":["translate3d(0px, 140.87302%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-18f44674-58c5-49bc-9380-81c237cad914","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d74def98-8346-40e8-92ed-aed8e588cc87","keyframes":{"transform":["translate3d(0px, 182.55980%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f4811aa0-3047-4e7b-be99-1d3e4389894e [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(15.624999488015773%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Image Credit: istock

अगर अनुभव है तो 10–15% निवेश अच्छे इक्विटी स्टोक में कर सकते हैं, वरना म्यूच्यूअल फण्ड अच्छा हैं

[{"selector":"#anim-bc65aad1-580a-4b72-9bf1-108593918724","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f8f2cdf9-4714-4185-ac03-2d0661abfd33","keyframes":{"transform":["translate3d(0px, 135.54176%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9257229e-cd67-4e1a-8fda-e043ba3a776e","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-74c10346-fd01-4ec6-8fcc-09b750dc068c","keyframes":{"transform":["translate3d(0px, 153.47870%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-dc8500b3-3ea4-46ef-a022-9eeeabd668e2 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(7.812499744007886%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Image Credit: istock

निवेश बीच में बंद न करें, मार्केट गिरने पर SIP चालू रखें लोन्ग टर्म में यही सबसे ज़्यादा फायदा देगा

[{"selector":"#anim-5f0da646-4ad7-4bf9-8322-fd07b1fff7cb","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-00dbc45b-e59b-422b-ba56-54662d4006c7","keyframes":{"transform":["translate3d(0px, 140.87302%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9b8a2a41-9538-428e-88ef-9341e7ba851e","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-30ba99ea-d99b-4dc0-a9ba-82ccc1c3b210","keyframes":{"transform":["translate3d(0px, 182.55980%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9f3ea862-6614-4488-b4a9-da607db83a61 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(7.812499744007886%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Image Credit: istock

साल में एक बार अपना पोर्टफोलियो देखें और जरूरत हो तो रिबैलेंस करे

[{"selector":"#anim-b07e7da6-9c75-4058-a4d2-3d9c988df670","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5f3b1243-71a8-4dc8-828c-eea08a49f84c","keyframes":{"transform":["translate3d(0px, 140.87302%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a58e89aa-d3f4-4741-83d0-906e5b12ec27","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-15d0d8fa-8d48-4599-bf05-a8182cb4302a","keyframes":{"transform":["translate3d(0px, 182.55980%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-181657cf-a6ea-4805-8a8e-c342dc9ed03c [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(7.812499744007886%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Image Credit: istock

एक्सेक्ट इन्वेस्टमेंट और प्रोडक्ट रिस्क प्रोफाइल देखकर तय होती है इसके लिए SEBI-registered फाइनेंशियल प्लानर से सलाह लेना बेस्ट रहेगा

[{"selector":"#anim-8e95b104-2fb5-4279-b142-328b8ab9b7bc","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f8b05ffe-f31a-481f-a306-ee1328ed6492","keyframes":{"transform":["translate3d(0px, 131.96773%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-760d6469-6cfb-4292-bf91-e44e31e90559","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e3787b70-1005-44ca-9352-e0606ea21bae","keyframes":{"transform":["translate3d(0px, 144.94192%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-56813204-9a0b-42b1-bd87-fe2726a18e61 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(15.624999488015773%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Image Credit: istock

इस सीक्रेट से, सैलरी को चलाएं पूरा महीना! Find out More

हर महीने की बचत से कैसे बने करोड़पति जानिए

10 साल में 1 करोड़ का टारगेट है, यानी हर महीने लगभग ₹40–50 हजार इन्वेस्टमेंट ज़रूरी होगा

टारगेट

अपनी इनकम का 60% हिस्सा इक्विटी म्यूच्यूअल फण्ड में SIP करें

SIP

सालाना ₹1.5 लाख (₹12,500/माह) तक PPF में डालें इससे टैक्स बचेगा और रिटर्न भी मिलेगा

PPF इन्वेस्टमेंट

₹50,000–1,00,000 NPS में डालें इक्विटी व डेब्ट एक्सपोज़ मिलेगा, टैक्स बचत होगी

NPS पेंशन फण्ड

6 महीने के खर्च जितनी राशि FD या लिक्विड फण्ड में रखें ताकि ज़रूरत पड़ने पर इस्तेमाल हो सके

इमरजेंसी फण्ड

10% राशि गोल्ड ETF या गोल्ड बोंड में डालें, ये इन्फ्लेशन से बचाता है

गोल्ड इन्वेस्टमेंट

हेल्थ इंस्युरेन्स और लाइफ इंस्युरेन्स ज़रूर लें ताकि अचानक खर्च से बचत न टूटे

इंस्युरेन्स

अगर अनुभव है तो 10–15% निवेश अच्छे इक्विटी स्टोक में कर सकते हैं, वरना म्यूच्यूअल फण्ड अच्छा हैं

डायरेक्ट इक्विटी स्टोक

निवेश बीच में बंद न करें, मार्केट गिरने पर SIP चालू रखें लोन्ग टर्म में यही सबसे ज़्यादा फायदा देगा

डिसिप्लिन

साल में एक बार अपना पोर्टफोलियो देखें और जरूरत हो तो रिबैलेंस करे

इयरली रिव्यु

ध्यान रखे