How much have you saved by age of 31?

Good. Happy investing!

.

.Note: don't compare with others in terms of money saving, everyone have their own earnings, risks and problems.

Just stick to your savings methods. BTW, no stocks PF?

You're doing really well! Staying consistent with your savings and SIPs will pay off. Keep it up, and your financial future looks bright!

In case in future when you have more money to invest, include gold into your portfolio via the SIP/MF route.

What ever you do:) 

1) just dont compare with others portfolio (to compare growth percentage, as everyone has their own shoe sizes)

2) keep consistently investing like this 

you are in the right track

to have sample calculation OF WHAT YOU WILL HAVE AT 31, learn about CAGR growth or use CAGR calculator to find your growth with assumption of 10% to 20% return rate based on your guess/gut feeling

Convert your emergency fund to silver 

U can create short term FD for emergency funds..

Don't focus too much on saving learn to spent it wisely. At the end you won't take anything with you. Don't let your nominee enjoy your money ☺️

8k SIP won't do much difference on long term, my suggestion spend that amount on knowledge building , get your field tech certifications increase your monthly capital & cash flow.

Don't compare or get disheartened... chug along at your own pace... yes, had much more saved at that age though personally...

Can we answer in minus figure?