Many people think “₹30,000 salary mein SIP possible hi nahi hai”.
Reality? Even with ₹30,000 income, you can build wealth smartly — without stress.
This blog will show:
How much SIP you should do
Best SIP allocation
Realistic wealth creation plan
Yes — 100% possible ✅
The key is budgeting + discipline, not income size.
A safe rule:
20%–30% of income = Investment
Monthly Salary Ideal SIP Range
₹30,000 ₹6,000 – ₹9,000
Even ₹5,000 SIP is enough if started early.
Category SIP Amount
Large Cap Fund ₹3,000
Flexi Cap Fund ₹2,000
Index Fund ₹1,000
Total SIP ₹6,000
✔ Low stress
✔ Long-term stability
Category SIP Amount
Flexi Cap Fund ₹3,000
Mid Cap Fund ₹2,000
Index Fund ₹2,000
Total SIP ₹7,000
✔ Better growth
✔ Medium risk
Mid Cap Fund ₹4,000
Small Cap Fund ₹3,000
Total SIP ₹7,000
⚠️ Market ups & downs expected
✔ High return potential long term
Assuming 12% annual return:
Monthly SIP 15 Years 20 Years
₹5,000 ₹25–28 Lakhs ₹50+ Lakhs
₹6,000 ₹30–35 Lakhs ₹60+ Lakhs
₹7,000 ₹40 Lakhs ₹70–75 Lakhs
₹9,000 ₹50 Lakhs ₹1 Crore+
👉 Even with ₹30,000 salary, ₹1 Crore is achievable with time.
Rohit (Age 25)
Salary: ₹30,000
SIP: ₹7,000
Return: 12%
📈 After 20 years → ₹75–80 Lakhs
With SIP step-up → ₹1 Crore+
Increase SIP by 10% every year when salary increases.
Example:
Year 1 SIP: ₹6,000
Year 5 SIP: ₹9,500
Year 10 SIP: ₹15,000
Result: Faster wealth with less burden
❌ Waiting for salary increase
❌ Stopping SIP during market fall
❌ Investing all money in one fund
❌ No emergency fund
Before SIP:
Keep ₹60,000–₹90,000 as emergency fund
Use savings account or liquid fund
Then invest confidently.
You don’t need a high salary to start SIP.
You need clarity, patience & consistency.
Even ₹5,000 SIP can change your financial future.
Get your custom SIP allocation based on:
Age
Family responsibility
Risk profile
Start small, but start today.