Financial discipline and a prudent monthly budget can help you accumulate Rs 1 lakh in 12 months even with a low income. (Source: Envato) Show Quick Read Summary is AI Generated. Newsroom Reviewed

A monthly salary of Rs 30,000 remains a typical starting point for many fresh graduates and young professionals. This is generally the standard initial pay scale for employees across sectors like IT, BPO, retail and financial services, among others, in India for most entry-level roles. It may seem impossible to save money with such a modest monthly income. However, financial planning after landing your first job could make a huge difference in securing your future. Even if you start your investment journey with a small amount, it can help you build a sizable corpus.

With a monthly salary o

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