How to Create Your First ₹10 Lakh with Goal-Based Investing

I’ll never forget the day Aarav walked into my office. He was 26, freshly promoted, full of questions and honestly, a bit overwhelmed. Dressed in a crisp white shirt and faded blue jeans, he looked like someone who had it all figured out on the outside. But inside, there was a storm of confusion. 

Arif bhai, I’ve started saving ₹15,000 a month. I want to invest... but I don’t want to make a mistake. Is it even realistic to think I can make ₹10 lakh in a few years? 

I could see it clearly he was serious, but scared. Inspired, but unsure.

I smiled. Let’s not start with money. Tell me what you really want.

He looked at me, puzzled.

I mean, I continued, if money wasn’t a problem, what would you do? What would you want your money to do for you?

That broke the ice.

He paused, then slowly started opening up. I want to take my parents to Europe within the next three years. I want to have a safety net in case I lose my job. And in five or six years, I’d love to start something of my own, maybe a small cafe or even a tech startup. I don’t want to keep working for someone else forever.

There it was. Crystal clear.

Aarav didn’t need just an investment plan. He needed a roadmap for his dreams. And this is exactly where most people go wrong. They chase the best fund or the highest return, but without a why, even the best investment feels confusing.

So, we began our journey together.

We broke his dreams into three concrete financial goals:

1. ₹2 lakh for the Europe trip in 3 years

2. ₹3 lakh for an emergency fund within 1 year

3. ₹10 lakh in 6 years to fund his business dream

Next, we matched each goal with the right investment vehicle.

For the Europe trip, we chose a conservative hybrid mutual fund not too risky, not too slow. It would grow moderately over three years, and he could even pull it out if needed with minimal loss.

For the emergency fund, we went with liquid funds and a high-interest savings account. Safety and liquidity mattered more than growth here.

And then came the big one ₹10 lakh in 6 years. I explained the power of compounding and how consistent SIPs in large-cap and flexi-cap mutual funds could help him reach that mark comfortably.

Okay, but how much do I need to invest monthly? he asked.

We ran the numbers. At an average return of 12%, ₹12,000 per month could take him past ₹10 lakh in just over 5.5 years.

He sat back, stunned.

I thought I’d need to invest ₹20-25k a month to reach that.

That’s the magic of time, I said. Start early, stay consistent, and let compounding do the heavy lifting.

We even added a small tweak a 10% step-up every year. So as his salary increased, so would his SIP amount, but painlessly.

Over the next few months, Aarav changed. He became focused, consistent, and surprisingly calm. Gone were the panic attacks over market dips or FOMO over crypto trends. He started viewing money as a tool, not a source of anxiety.

Every SIP notification was like a mini celebration. “I don’t even feel it anymore,” he told me one day. It’s just... happening in the background.

Last week, he sent me a screenshot of his portfolio. He’s crossed ₹4.3 lakh in just under 2.5 years. And guess what? His Europe trip is fully funded, too he’s leaving next month with his parents, and everything is planned without touching his emergency corpus or dipping into credit cards.

That, to me, is the true success of goal-based investing. It’s not just about making ₹10 lakh. It’s about living life on your terms, one small, intentional decision at a time.

Aarav’s story isn’t rare. I’ve seen this with hundreds of people young professionals, couples, freelancers, and even homemakers. The moment you attach emotion to your money and structure to your dreams, everything changes.

And you don’t need to do it alone.

If Aarav could do it with a little guidance, so can you. 

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Ready to begin your own ₹10 lakh journey?

Let me help you build a personalized, emotion driven, practical investment plan. I’m offering a free consultation to get you started.

✅ SIP for Wealth Creation
✅ Term Insurance for Family Protection
✅ Health Insurance for Medical Security
✅ Emergency Fund for Peace of Mind

And don’t worry you don’t have to figure it all out alone.

I help people just like you with simple and smart financial planning, tailored for your life and goals.

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Let’s take the stress out of money, one smart step at a time.

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