SIP Plan for ₹30,000 Salary: How Much Should You Invest?

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

Can You Do SIP on ₹30,000 Salary?

Yes — 100% possible ✅
The key is budgeting + discipline, not income size.

Ideal SIP Rule for ₹30,000 Salary

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.

Best SIP Plan for ₹30,000 Salary (Beginner Friendly)

🟢 Option 1: Safe & Balanced SIP

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

🟡 Option 2: Moderate Growth SIP

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

🔴 Option 3: Aggressive Growth (Young Investors)

Category SIP Amount

Mid Cap Fund ₹4,000

Small Cap Fund ₹3,000

Total SIP ₹7,000

⚠️ Market ups & downs expected
✔ High return potential long term

How Much Wealth Can You Build?

Assuming 12% annual return:

📊 Wealth Projection Table

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.

Example: Real-Life ₹30,000 Salary Case

Rohit (Age 25)

• Salary: ₹30,000

• SIP: ₹7,000

• Return: 12%

📈 After 20 years → ₹75–80 Lakhs
With SIP step-up → ₹1 Crore+

SIP Step-Up Strategy (MOST IMPORTANT)

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

Mistakes ₹30,000 Salary Earners Must Avoid

❌ Waiting for salary increase
❌ Stopping SIP during market fall
❌ Investing all money in one fund
❌ No emergency fund

Emergency Fund Before SIP

Before SIP:

• Keep ₹60,000–₹90,000 as emergency fund

• Use savings account or liquid fund

Then invest confidently.

Final Thoughts

You don’t need a high salary to start SIP.
You need clarity, patience & consistency.

Even ₹5,000 SIP can change your financial future.

👉 Need a Personalized SIP Plan?

Get your custom SIP allocation based on:

• Age

• Family responsibility

• Risk profile

Start small, but start today.