Srinagar, Aug. 20 -- For a young Kashmiri stepping into the workforce, or a small entrepreneur trying to make sense of fluctuating markets, financial choices are urgent, practical, and deeply personal.

Imagine starting with Rs.5,000 a month. It is the price of modest comforts: a few meals out, a pair of shoes, a small festival gift. Saved instead, it grows to Rs.60,000 over a year.

Twenty years later, disciplined commitment transforms that small sum into Rs.12 lakh. This is the architecture of a future built deliberately, a reminder that modest beginnings often precede significant outcomes.

Compounding carries its own kind of magic. With an annual return of roughly 18%, those same monthly contributions can swell into nearly Rs.1 crore ...