SIP Calculation: Who wouldn’t want to become a millionaire? But if the income is limited it is not so easy. However, if you invest systematically, it is not that difficult. However, through SIP you can fulfill your dream of becoming a millionaire in just a few years. SIP i.e. Systematic Investment Plan is a way of investing in mutual funds, where you invest a fixed amount every month, on which you get compound interest and you accumulate more funds in less time.

How to become a millionaire by investing Rs 150?

SIPs promote financial discipline, which means you have to keep investing continuously. On this, you get wealth gain through the magic of compounding. SIP, which gives high returns in a tenure of 15 years, proves helpful in raising big funds. Past returns of mutual funds show that if you invest Rs 150 in SIP every day, you will accumulate Rs 1 crore. Some funds have given an average return of 25 percent annually in 15 years. Let us see how depositing Rs 150 every day or Rs 4,500 per month through SIP can create a fund of Rs 1 crore.

Target- Rs 1 crore

Time- 15 years

Expected Return – 25 percent

Daily Investment- Rs 150

Invested amount- Rs 8,10,000

Actual return – Rs 79,91,031

Total value- Rs 88,01,031

Do not leave investment midway

The returns may seem slow in the beginning, but as time passes, the returns on your investment also start earning. This is called the ‘power of compounding’. With this, even a small amount over a long period of time can create a big fund. The sooner you start SIP, the longer you will continue to get the benefit of compounding. However, during this period, do not stop SIP midway due to fluctuations in the market. To start SIP, first choose your favorite mutual fund and decide how much money to invest every month and for how long. On the basis of the fixed amount, you will get units of that fund and with compounding, your invested money will increase.

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Mutual Funds: Shares of Cohance Lifesciences were in bad condition during trading on Friday, the last trading day of the week. The selling of shares increased so much that it fell by 2.2 percent to Rs 615 per share. This is the lowest level since June 2024. The stock continues to fall for the 12th consecutive trading session. During this period, an overall decline of 28.40 percent has been recorded.

This downward trend started at the end of October, when the company’s managing director and director V. Prasad Raju resigned from his post. Due to this, the shares started falling even more after the weak performance of the company in the September quarter. However, despite this sharp fall, the stock has gained 40 percent in the last three years and 90 percent in the last five years. It jumped by 112 percent in just five months between May 2024 and October 2024.

Mutual funds lost more than Rs 1500 crore

Due to continuous decline in the stock market, domestic mutual funds also suffered huge losses. At the end of the September quarter, 30 mutual funds collectively held 16.49 per cent stake, which was almost double the 8.90 per cent stake they held in the June quarter. Fund houses have suffered a loss of approximately Rs 1545.7 crore due to 28.4 percent fall in share prices.

Some of the major funds that have stake in the company include DSP Multicap Fund, which holds 3.99% stake in Cohans; HDFC Large & Mid-Cap Fund, which has a stake of 2.64 per cent and Invesco India Contra Fund and SBI MNC Fund, which have a stake of 1.39 per cent and 1.32 per cent respectively.

Company’s second quarter results

In the quarter of financial year 2025-26, the company’s consolidated net profit declined by 52 percent to Rs 66.39 crore, whereas in the same period last year, the company had earned a profit of Rs 138 crore. During this period, the operational revenue of the company also decreased to Rs 555.57 crore this time compared to Rs 603.77 crore in the second quarter of last year. EBITDA fell by 41 percent to Rs 121 crore from Rs 205 crore in the September quarter of 2024. At the same time, EBITDA margin decreased by 1200 basis points to 22 percent.

The company says that the company’s performance was affected due to several challenges like pharma destocking, delay in biotech funding and temporary closure of Nacharam plant, which affected the growth during the quarter and led to weak results.

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Financial Planning: Whenever it comes to financial planning, it is important to understand where to invest and how to protect your money. Three plans always come up in discussions related to personal finance. These are Systematic Investment Plan, Health Insurance Plan and Term Insurance Plan. Let us know how these three are different from each other and also which of these schemes is better for investment.

Systematic Investment Plan

In a systematic investment plan, you have to invest a fixed amount in mutual funds at regular intervals such as monthly or quarterly. It is beneficial for those who want to create wealth in the long run. Like retirement fund, children’s education or buying a house. It remains stable despite market fluctuations. Systematic investment plan through Rupee Cost Everything reduces the risk of market fluctuations. Its biggest advantage is that you can start it with just ₹ 500 per month.

health insurance plan

It is not an investment instrument but an essential part of financial security. Medical complications arise suddenly and can quickly drain your savings. A health insurance plan ensures that you or your family remain financially protected in case of illness, hospitalization or surgery. This plan covers medical bills, room charges, surgery costs and even pre- and post-hospitalization expenses depending on the policy.

term insurance plan

This plan provides complete life insurance. It does not include any savings or investment benefits. Its sole purpose is to provide financial security to someone’s family in case of their sudden death. Under this plan, higher coverage amount can be obtained at lower premium.

Which plan is better for investment

Each of these three plans has a different but equally important objective. A smart financial plan can include all three in a balanced manner. If we talk about systematic investment plan, it helps you in increasing your wealth over time. If we talk about health insurance plan, then you can save on medical bills. Along with this, term insurance plan guarantees the safety of the person’s family in his absence.

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Investment Tips: Money attracts money, this is absolutely true. However, for this you should know the right way to invest money, so that you can earn more profit in less time. Today there are many investment options available in the market, such as gold, share market, funds, real estate and crypto currency.

In such a situation, it is important to know first of all what are the advantages and disadvantages of which investment method because how much benefit you will get in future depends on this. In such a situation, let us know that if you have Rs 1 lakh, then where can you invest it, so that you can get double benefit in a short time.

Share market is a good option

Share market is a great place for investors. Here they get good returns on the invested amount. In such a situation, if you have a good amount of money then you can invest it in the share market. By buying stocks of good companies here, you can get double returns over time. Also, there is a possibility of doubling or tripling your money in one go because if the price of the stocks of that company increases 10 times then your profit will also increase. But there are a lot of risks in investing here, so invest in it only keeping this in mind.

real estate

Real estate is also a good option for investment. If you buy a property at a good location, its price may also increase with time. In such a situation, if there is excess money, it should definitely be invested in real estate. While investing money in this, it should be kept in mind that where you are buying property, basic facilities like electricity, water, roads and settlement should be good so that the price of land there increases quickly.

mutual funds

Mutual funds are also a good way to invest large amounts of money. Through this you can invest in the share market with less risk. In this, you can earn good returns over time through SIP (Systematic investment plan).

investment in gold

If you want to invest Rs 1 lakh then gold is a great option. Seeing the rising price of gold, most of the investors are also investing in it. There are more chances of its price increasing in the coming time and it can yield good returns. If you invest in gold today, you can become the owner of lakhs in the future.

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NFO Alert: Nippon India Mutual Fund has launched a new fund offer (NFO) based on manufacturing theme. This new fund offer – Nippon India nifty India manufacturing etf and Nippon India Nifty India Manufacturing Index Fund has opened for subscription from August 6 and will be open till 20 August 2025.

This new fund has been brought at a time when the manufacturing sector in India is again catching up. Big companies like Tech Company Apple are shifting their production to India and the country is moving towards making itself a global manufacturing hub. This speed can be seen clearly.

According to estimates, India will cross the $ 1 trillion mark in manufacturing next year. Currently manufacturing is 17% of India’s GDP and it is expected to increase further in the coming years. This new fund offer of the nipple will replace Nifty India Manufacturing Index.

This index includes companies like capital goods, autos, metals, healthcare, chemicals, etc. In this, companies of sectors have been selected which are related to manufacturing, as fixed under the AMFI framework. Also, it has been followed by rules like giving minimum share to main sectors like auto and capital goods and maximum weight limit. It is invested in the top 300 companies selected from the universe selected from the NIFTY 100, Nifty Midcap 150 and Nifty Smallcap 50.

As India is entering a new era of growth on the basis of manufacturing, this fund is trying to capitalize on the strong economic situation of the country. India’s economy is expected to grow at a rate of above 7%, which is supporting the Aadhaar of youth population of 28.2 years and 68% working age.

Due to cheap pay structure, internationally competitive corporate tax rates and plans like PLI, speed power and Make in India, there are large -scale industrial investment due to strong policy support of the government. In the last 10 years, FDI has gained 69% in the manufacturing sector.

Manufacturers from all over the world are now adopting China-Plus-One strategy and India seems to be taking great advantage of it. This is causing long -term possibilities like domestic demand, change in supply chain and premiumization in the consumer sector.

This fund is available in both ETF and Index Fund format. Investors get the opportunity to invest in low cost in the manufacturing sector’s diversified basket, which has complete transparency of the index and also rare tracking errors. ETF provides an intrade liquidity i.e. procurement and sale at any time during the day, while systematic investment can be done through SIP through index funds.

For investors who want to be a part of India’s next industrial growth, this NFO is the best option of a rule-based, sector-specific investment which is based on long-term economic foundations.