In 2 years
Emergency fund
Six months of household expenses, parked where you can reach it within days.
Target ₹3.0 L, needs about ₹11,676 a month
Mutual fund distributor in Jaipur: Chirag Sharma, AMFI registered, ARN-337289
Invest ₹10,000 a month for 20 years at 12% a year, and it could grow to₹99.9 L
Drag the gold numbers sideways, or the gold dot up and down
You put in
₹24.0 L
Growth on top
₹75.9 L
Money multiplied
4.2×
Today5 yr10 yr15 yr20 yr
Illustration only, using an assumed constant return. Mutual fund returns are not guaranteed and vary with markets. Mutual fund investments are subject to market risks, read all scheme related documents carefully.
Chirag Sharma
ARN-337289
Founder's Desk & AMFI Accreditation
Personal, Goal-Based Mutual Fund Guidance
Shaiv Market is led by Chirag Sharma, an AMFI Registered Mutual Fund Distributor (ARN-337289). We provide personalized mutual fund distribution, portfolio review, and disciplined SIP asset allocation for families and professionals across India.
Every goal has a number. Here is what four common ones cost each month.
Scroll through the years. Each goal shows the monthly SIP it needs, at a return suited to how far away it is.
Emergency fund, 2y₹11,676/month
2y
7y
12y
25y
Emergency fund
₹11,676 / month
to build ₹3.0 L in 2 years
Assuming 6.5% a year. Drag the gold numbers to make it yours.
Liquid and short-duration debt funds
Illustrative amounts and assumed returns. Not a promise of returns.
In 7 years
Home down payment
The 20% a bank expects you to bring before it lends the rest.
Target ₹20.0 L, needs about ₹16,399 a month
In 12 years
Your child's higher education
College fees rise faster than most prices. Starting early keeps the monthly amount small.
Target ₹25.0 L, needs about ₹7,758 a month
In 25 years
Retirement
A corpus that can pay you a monthly income once the salary stops.
Target ₹3.00 Cr, needs about ₹15,809 a month
Small spends add up. Tap the ones you could skip.
Each one drops its monthly cost into the jar. See what that money could become as a SIP instead.
₹5,600 a month for 20 years
₹56.0 L
At an assumed 12% a year. Not guaranteed.
Redirected each month
₹5,600
Invested for 20 years it could become
₹56.0 L
At an assumed 12% a year. Not guaranteed.
What kind of investor are you? Five questions, one minute.
Watch the mix change as you answer.
Question 1 of 5
How old are you?
50%in equity
- Equity 50%
- Debt 40%
- Gold 10%
Questions investors ask before they start
Straight answers about SIPs, fees, documents and how to verify a distributor.
Chirag Sharma is an AMFI registered mutual fund distributor based in Jaipur, Rajasthan, with ARN-337289 and EUIN E641362. He is NISM Series V-A certified and runs Shaiv Market, helping individuals and families plan SIPs and life goals across India.
Yes. Chirag Sharma holds AMFI Registration Number ARN-337289, valid until 13 August 2028. You can verify it on the official AMFI website (amfiindia.com) using the "Locate Distributor" search with the ARN.
No. The first portfolio review call is free. As a mutual fund distributor, Shaiv Market is paid a commission by fund houses on regular plans; investors are not charged a separate advisory fee.
Both invest in the same portfolio. A direct plan has no distributor commission, so its expense ratio is lower. A regular plan includes the distributor commission in its expense ratio and comes with a distributor who handles scheme selection, paperwork, SIP setup and ongoing reviews for you.
At an assumed 12% yearly return, about ₹10,000 a month for 20 years, ₹19,800 a month for 15 years, or ₹43,000 a month for 10 years. Returns are not guaranteed; use the required SIP calculator to try your own numbers.
Many mutual fund schemes accept SIPs from ₹500 a month, and some from ₹100. You can increase the amount later or add a yearly step-up.
Yes. KYC is paperless using Aadhaar and PAN, and consultations happen on video, phone or WhatsApp, so investors anywhere in India can invest. In-person meetings are available at the Jaipur office.
Your PAN, Aadhaar, bank account details (a cancelled cheque or bank statement) and a photo. For a minor, the guardian’s details are needed too.
No. Mutual fund returns depend on market performance and can go up or down. Mutual fund investments are subject to market risks; read all scheme related documents carefully.
Gains on equity-oriented funds held for more than 12 months are long-term and taxed at 12.5% above ₹1.25 lakh in a financial year. Gains on units held for 12 months or less are taxed at 20%. These rates were unchanged in Budget 2026.
6th Floor, Bhamashah Techno Hub, Jhalana Doongari, Jaipur, Rajasthan 302004. Call or WhatsApp +91 99506 53247 to fix a time.
Calculate Your Investment Potential
Estimate how your SIP or lumpsum investment could grow over time. Illustrative only, not a guarantee of returns.
Reverse Goal Planner: Set your dream wealth target (e.g. ₹1 Crore, ₹50 Lakhs) and time frame. We compute the exact monthly SIP amount needed to hit your milestone!
₹
₹5 Lakh₹1 Cr₹50 Lakh₹10 Crore
Tip: You can type values like 3 Lakh, 2,50,890 or 1.5 Cr above.
Yrs
1 Yr35 Yrs
%
8% (Debt)22% (High Alpha)
%
0% (Flat SIP)+25% / Yr
Interactive Visual Simulation
Required Monthly SIPTarget ₹ 1.00 Cr
₹ 17,996/ month
Your Total Capital₹ 32.4 L
Compounded Gain₹ 67.6 L
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Free Portfolio Review
Unsure which portfolio matches your risk profile?
Book a free 1-on-1 call with Chirag Sharma, AMFI Registered Mutual Fund Distributor. We will review your goals and current mutual fund portfolio.