What is the 8-4-3 Rule?
It’s a simple investing principle that shows how time, discipline, and SIPs can create long-term wealth:
Invest ₹8,000/month for 20 years
at 12% annual return, and you’ll build approx.
₹1 crore corpus.
Here’s how the 8-4-3 rule breaks down:
| Number | Represents |
| 8 | ₹8,000 monthly SIP |
| 4 | ₹4 lakh invested every 4 years |
| 3 | ₹3x growth every 10 years (via compounding) |
Example Calculation:
- ₹8,000/month = ₹96,000/year
- In 20 years, you invest ₹19.2 lakhs
- At 12% CAGR (typical for equity mutual funds), you get:
- ₹1 crore+ maturity value
The rule highlights how SIPs + time + compounding = wealth.
How EzyMoneyDeals Helps You Apply the 8-4-3 Rule:
| Tool/Feature | How It Supports the Rule |
| SIP Calculator | Shows how ₹8,000/month grows over 20 years |
| Goal Planner | Set ₹1 crore as your goal, back-calculate SIP amount |
| SIP Booster | Auto-increase SIP yearly to reach your corpus faster |
| Growth Tracker | See year-by-year projections and performance |
| Direct Fund Access | Invest in zero-commission funds for better returns |
| Advisor Support | Help you pick top-rated equity funds for 12%+ potential returns |
Benefits of Following the 8-4-3 Rule:
- No need to time the market — Just be consistent
- Builds long-term wealth with moderate effort
- Ideal for salaried investors or first-time mutual fund investors
- Gives you a clear, achievable ₹1 crore goal
Conclusion:
The 8-4-3 Rule is not just about numbers — it’s about developing the right investing habit.
With platforms like EzyMoneyDeals, you can start small, stay disciplined, and track your journey to ₹1 crore effortlessly.
