About the Author
Hi, this is Om Prakash. I’m not a certified financial expert or market analyst — just someone who learned the hard way.
Between 2009 and 2019, I lost over ₹52 lakh in the Indian stock market’s Futures & Options (F&O) segment — roughly ₹43,000 every month. That number includes money borrowed through bank loans, which I repaid with an additional ₹8 lakh in interest.
In 2012, I invested ₹15 lakh in land, hoping for a secure future — only to discover it was a fraudulent deal when I tried to sell it in 2022. Over that period, my investments gave me just about a 5% CAGR — far below what they should have returned.
These weren’t just numbers — they were sleepless nights, broken plans, and lessons carved in real life.
But here’s what those losses taught me:
Financial knowledge matters — deeply.
Today, I run PaisaGyaan.com — a blog focused on making financial wisdom simple, relatable, and useful for everyday Indians.
My goal is to break down complex topics like:
- Finance
- Loans
- Insurance
- Credit Cards
- Business
- Stock Market
- Real Estate
- Crypto
- AI
- Technology
…into clear, easy-to-understand guides based on real-life learning.
If you’re just starting out, or if you’ve already faced setbacks like I did, this blog is for you. Let my journey save you from repeating my mistakes.
Because the best investment you can make is in yourself — and in learning before you leap.
💸 What Could Have Been — A Time-Tested Financial Lesson
Let’s take a closer look at how different choices could have changed my financial outcome dramatically.
🔹 Scenario A: ₹43,000/month SIP (2009–2019), then held till 2025
- Monthly Investment: ₹43,000
- Duration: 10 years (120 months)
- Growth Rate: 16% annualized return (equity mutual fund average)
- Held Till: April 2025
📊 Total Invested: ₹51.6 lakh
📈 Final Value Today: ~₹2.94 Crore
Instead of chasing short-term gains in speculative trading, a disciplined SIP would have turned into a wealth-building machine.
🔹 Scenario B: ₹15 Lakh Lumpsum in MF (Dec 2012 – Apr 2025)
- Lumpsum Investment: ₹15 lakh
- Growth Rate: 16% CAGR
- Holding Period: 12.33 years
📊 Final Value Today: ~₹93.7 lakh
Instead of losing money in a property scam, a long-term mutual fund investment would have grown significantly.
🔹 Scenario C: ₹8 Lakh Interest Paid Back to Banks (2015–2019) as SIP
- Total Spent: ₹8 lakh
- Assumed SIP: ₹16,667/month
- Duration: 4 years (48 months)
- Growth Rate: 16% CAGR
- Growth Till: April 2025
📊 Final Value Today: ~₹36.9 lakh
Even the interest paid back to banks could have been redirected into investing — and grown into a meaningful corpus.
📊 Summary Table: The Cost of My Mistakes
| Scenario | What I Did | What I Could Have Done | Final Value Today |
|---|---|---|---|
| Monthly Loss in F&O Trading | ₹43,000/month for 10 years | SIP in Mutual Fund | ₹2.94 Crore |
| Land Investment Fraud | ₹15 lakh in 2012 | Lumpsum in Equity MF | ₹93.7 Lakh |
| Loan Interest Repayment | ₹8 lakh spent between 2015–2019 | SIP in MF instead | ₹36.9 Lakh |
| Total Lost Opportunity | ₹74.6 Lakh | Disciplined Investing | ₹4.24 Crore |
💡 All calculations assume 16% CAGR — a reasonable long-term return from equity-based mutual funds.
🙌 Why I Write This Blog
PaisaGyaan.com is born from experience — painful, costly experience.
I write so others don’t repeat my mistakes.
No jargon. No sales pitch. Just honest, simplified financial education based on real-world experiences.
Whether you’re exploring your first credit card, trying to understand insurance fine print, or looking to invest without confusion — this blog is for people like you.
People who want to grow wiser — one financial decision at a time.
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Let’s grow wiser together.
