Regular contributions can help build an investing habit through different market cycles. Continue to review affordability and goals.

Increasing contributions as income grows can raise the amount invested over time. Choose a step-up that remains comfortable.

Longer horizons allow more time for compounding, but do not remove market risk. Align investments with your goal date.

Future rupees may buy less than today. Compare the nominal projection with its illustrative inflation-adjusted value.

Understand the scheme’s asset mix, costs, risk level and suitability. Diversification does not assure profit or prevent loss.

Review progress, asset allocation and goal assumptions periodically rather than reacting to short-term market movement.