By Sushil Tripathi

You might have heard your father or grandfather say that back in their days, they could buy plenty of household goods with just Rs 100. And if you’re around 40 now, you probably remember how even Rs 10 felt like a big amount in your childhood — enough for a decent breakfast outside. But times have changed. Today, that same breakfast might cost Rs 300–Rs 400. That’s what inflation has done to the value of money over the years.

Now imagine 20 years from today. Will Rs 10,000 still cover your monthly groceries? If your current household budget is around Rs 70,000, what will it look like two decades later? That’s the big question for anyone investing through an SIP (Systematic Investment Plan). It’s not just about how much you invest — it’s about what your money will act

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