How I started planning for my startup
Nisha Tanwar
Sales Manager

Ever since I was a college goer, I was keen on starting my own business. Most of my childhood friends were Gujaratis and Marwaris and I was heavily influenced by their communities’ belief about creating jobs rather than taking up a job.  Being from a non-business background, I was aware that I may neither have family support nor funds to start something immediately after college. Therefore I decided that I will spend a few years convincing my family as well as saving a corpus.

In Jan 2018, I started with a new job. I started by saving Rs 5000 every month in fixed deposits. However, in September 2018, one of my friends advised me to invest in mutual funds if my goal was at least five years away.

I calculated the returns I can earn through fixed deposits and mutual funds and realised that the latter would offer substantially higher returns. Therefore I have started my investment journey and am looking forward to stepping up my SIPs every year. This will enable me to create a handsome corpus for my venture.

How I did it

Corporate Executive

Invest wisely and invest early, to make sure that you live tension free in your later life. I am working towards it, or at least that’s what I hope. I managed to save a small portion of my earning even when I was earning very little like an early jobber. I still have those low-risk… Read more


Credit cards are your friend, but only if you use them wisely. If you start spending over and above your means, you fall into the dreaded credit trap, where you earn only to pay off your previous month’s dues. And end up using credit to meet the current month’s expenses. I am reasonably… Read more

Sales Manager

As a newly married person, I wanted only the best for my household. So when we started getting our new life decorated with things that every household requires, we splashed the cash generously. This was over and above the lavish wedding that we had spent for earlier on. Most of it was our own… Read more

Financial Specialist

I had started working four years ago. I would like to believe that I am still in that age bracket where people earn to spend and not necessarily save. However, there have been occasions where I have genuinely regretted spending on something and often pondered what would have become of the money… Read more