How Small Habits Can Create Big Corpus Over Time

Top 10 Updates

• 1.GST Relief for Common Man, India's GST 2.0 reform: New GST rates, effective September 22, simplifies tax slabs, potentially saving consumers ₹2 lakh crore. Households are already seeing price reductions in milk, ghee, medicines, and automobiles. GST on health and life insurance completely scrapped. A two-tier GST structure, including a special 40% rate, anticipates the 18% slab remaining the primary revenue contributor. The restructuring involves eliminating the 12% and 28% slabs, with most items being shifted to either 5% or 18%, simplifying the tax framework and potentially reducing costs for consumers.
• 2. Central government employees opting for voluntary retirement after 20 years of service will now receive an assured payout on a pro-rata basis under the Unified Pension Scheme (UPS): Full payout is available only after 25 years of service. Additional retirement benefits include gratuity, leave encashment, and insurance. In case of death post-VRS but before payout begins, the spouse will receive family benefits.
• 3. SEBI has mandated that all asset management companies (AMCs) use a “Valid UPI Tag” from Oct 1, 2025
• To help investors verify payment recipients during UPI transactions. Additionally, SEBI will introduce a “SEBI Check” tool to confirm bank account details using IFSC and account numbers.
• These steps aim to enhance investor protection and reduce fraud in digital payments.
• 4. From 60.5 in India’s Services Purchasing Managers’ Index (PMI) climbed to a 15-year high of 62.9 in Aug 2025 Jul 2025
• driven by strong growth in new orders and rising output, supported by robust international demand. The composite PMI rose to 63.2 in Aug 2025 from 61.1 in Jul 2025.
• 5. India’s net direct tax collection rose 9.18% to over Rs. 10.82 lakh crore (Apr 1–Sep 17), driven by a 23.87% drop in refunds
• Gross collection grew 3.39% to Rs. 12.43 lakh crore, with advance tax up 2.90% at Rs. 4.48 lakh crore. Almost 7.57 Crore ITRs filed till extended due date of 16th September, up almost 10% as compared to last year
• 6. UPI sees record 20 billion transactions in August worth ₹25 lakh crore
• According to RBI data, UPI processed 20 billion transactions in August 2025, reflecting a 34% increase in volume year-on-year.
• 7. The government has mandated cybersecurity audits for all cryptocurrency exchanges due to rising cyber heists
• These audits are now essential for registration with the Financial Intelligence Unit and aim to strengthen user safeguards amid growing crypto-related cybercrime.
• 8. The total gross Goods and Services Tax (GST) revenue grew by 6.5% YoY and stood at Rs. 1.86 lakh crore in Aug 2025, compared to Rs. 1.75 lakh crore in Aug 2024.
• India collected Rs 1.86 lakh crore as goods and services tax in August, 6.5% higher than the same period last year, showed government data.
• 9. The Organisation for Economic Cooperation and Development (OECD) on raised India's GDP growth by 40 bps to 6.7% in 2025 from its earlier projection of 6.3% in June 2025, driven by strong domestic demand and robust GST reforms.
• 10. Income-Tax Department detects ₹700 crore in fraudulent exemption

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How Small Habits Can Create Big Corpus Over Time

• Small Steps, Big Results
• In today’s fast-paced world, where expenses often outpace earnings, the idea of building wealth may
• seem daunting. However, the power of consistent, disciplined saving—no matter how small—can
• transform modest investments into a substantial corpus over time. Let’s explore this concept using
• real-world data from three popular investment avenues: Gold, Silver, and Mutual Funds, tracked from 2005 to 2025.
• The Power of Compounding: A Look at the Numbers
• Let’s assume a simple strategy: investing a small fixed amount annually in each asset class starting in 2005.
• 1. Gold: A Reliable Wealth Preserver
• Over the past 20 years, gold has proven to be a strong hedge against inflation.
• ∙Total Investment (10g purchased on 1st Oct every year): Rs 6,34,048/-
• ∙Total Current value: ₹24,01,680 (200g)
• ∙IRR: 15.48%
• Gold’s steady rise, even during global downturns, illustrates how consistent annual investments in a tangible asset becomes almost 4x over 20 years.
• 2. Silver: A Steadier Climb
• While often overshadowed by gold, silver has also delivered solid returns.
• ∙Total Investment (100g purchased on 1st Oct every year): Rs 84,427/-
• ∙Total Current value: ₹2,96,900 (2000g)
• ∙IRR: 13.71%
• Silver may be more volatile, but long-term discipline has still rewarded investors handsomely.
• 3. Mutual Funds: Long-Term Wealth Creation Engines
• Mutual funds, especially mid-cap and small-cap, have historically delivered higher returns over longer horizons. Assuming Rs 1000/- SIP for last 20 years with a step up of 10% every year, in ICICI Mid Cap fund:
• ∙Total Investment: Rs 6,87,300/-
• ∙Total Current value: Rs 32,83,142/-
• ∙IRR: 17.68%
• Why Start Small and Start Now?
• ∙Consistency beats timing: Waiting for the “right time” often leads to inaction. Starting now, even with small amounts, gets the compounding clock ticking.
• ∙Power of long horizons: Time smooths volatility and magnifies returns.
• ∙Simplicity wins: You don’t need complex strategies—just discipline.
• Final Thoughts: Make Your Savings Work for You
• Gold and silver have offered safety and steady returns, while mutual funds have delivered superior growth potential for those willing to take calculated risks. So whether it's buying a gram of gold each year or setting up a small SIP, the key takeaway is clear:
• Small savings, done consistently, can build big wealth.

Message from the Founder