Poetry

The Unseen Beloved – Hindi Poem by Naveen Kumar Janant

The Unseen Beloved

by Naveen Kumar Janant

कोई ख़ासा दिल-अज़ीज़ हो
लगी लाग जैसी चीज़ हो
जो की बिन छुए लज़ीज़ हो
की वो हीर हो ना बेपीर हो
सब जाने लेकिन पूछ ले
कोई ऐसा मेरा मीर हो
मेरी शब्द सीमा से परे
मुझे बाँधती जंजीर हो
उसे एक दिन की चाह हो
मुझे ज़िन्दगी मंज़ूर हो

Essence of the Poem (in English)

“The Unseen Beloved” by Naveen Kumar Janant is a soul-stirring expression of longing, where love transcends physical presence and becomes an eternal emotion. It speaks of a cherished connection — someone so intimately close to the heart, yet untouched and undefined by worldly terms. This beloved is not a Heer of folklore nor a spiritual guide, but someone who instinctively understands the poet’s soul — a Mir, personal and profound. The poem beautifully explores how such a bond defies language, binding the heart with invisible chains of emotion. It reflects a desire where even a moment’s recognition from the beloved is enough to offer a lifetime in return.

Personal Investment Planning: SIP & SWP Calculator

Future Goal Investment & SWP Calculator

Future Goal Investment Calculator

Fixed CAGR: 15%
Fixed CAGR: 7.1%

Structure of Calculations : This calculator simulates your financial journey by first determining your monthly investment based on a chosen percentage of your current salary. This monthly investment then increases annually according to your specified salary increment, reflecting a realistic growth in your savings capacity. Your total monthly investment is then allocated across four distinct funds: ELSS (20%), Funds for Other Necessities (20%), PPF (30%), and RDs (30%). A key feature is the PPF annual limit of Rs. 1,50,000 (Rs. 12,500 monthly); if your calculated PPF contribution exceeds this, the surplus is automatically re-routed to your ELSS fund, ensuring compliance while maximizing your equity exposure for retirement. All funds grow based on their respective Compound Annual Growth Rates (CAGRs), with the calculation performed year-by-year to accurately reflect compounding. For the Systematic Withdrawal Plan (SWP), the calculator takes your ELSS fund's final value as the starting corpus. It then simulates monthly withdrawals over your chosen period, while the remaining corpus continues to grow at the ELSS fund's CAGR. This allows you to see how long your retirement corpus might last and its balance over time, providing a transparent view of both your investment accumulation and potential withdrawal sustainability.


Future Goal Investment Calculator with Mutual Funds, PPF & RD

Future Goal Investment Calculator

Future Goal Investment Calculator

Fixed CAGR: 15%
Fixed CAGR: 7.1%

Important Disclaimer: Market investments are subject to risks, including the potential loss of principal. The Compound Annual Growth Rates (CAGRs) used (ELSS: 15%, Flexicap/Multicap: 15%, Index Fund: 12%, PPF: 7.1%, RDs: User Defined%) are historically achievable minimums as per data and could vary significantly in the future. This calculation is an estimate and not a guarantee of returns. This webpage contains information for educational and self-calculation purposes only. It does not provide any investment advice or recommendations. Before making any investment decisions in stocks, mutual funds, or any other financial instruments, it is strongly advised to consult with a SEBI-registered financial advisor who can assess your individual financial situation, risk tolerance, and investment goals. Note (for SWP section): This SWP calculation assumes the ELSS fund continues to grow at its fixed 15% CAGR during the withdrawal phase. Market returns can vary. Always consult a financial advisor for personalized advice.

Smart SIP & SWP Calculator for Income up to ₹50,000

Smart SIP & SWP Calculator for Income up to ₹50,000

Smart SIP & SWP Calculator For Monthly Income ≤ ₹50,000

📈 Segment 1: Investment Phase

This section helps you understand how much wealth you can accumulate by regularly investing a small portion of your income. Based on your monthly income (up to ₹50,000), the calculator automatically allocates 3% into an ELSS mutual fund — meant for long-term goals and tax-saving — and another 3% into a flexible emergency fund, where you can choose between Flexicap, Multicap, or Index fund. These investments grow over time using compounding, and you’ll see the estimated future value for both after the number of years you plan to invest. This phase lays the foundation for your financial goals by building two types of funds: one for long-term security and one for liquidity in emergencies.

💰 Segment 2: SWP Plan (Using ELSS Corpus Only)

Once your investment duration is over and you've built a corpus — especially in ELSS which is locked for 3 years — this segment helps you turn that amount into a steady income stream. Here, you simply enter how much you would like to withdraw each month after retirement or achieving your financial goal. The calculator then shows how long your ELSS corpus will last if you start a Systematic Withdrawal Plan (SWP), adjusting for inflation each year. This teaches you the value of staying invested and withdrawing smartly instead of consuming the full amount at once.

🔄 Segment 3: Reverse Plan for SWP Duration

This segment is useful if you already know how long you’ll need income after your investment period — for example, wanting to sustain withdrawals for 10 years after retirement. Based on this target, the calculator tells you how much SIP you should have invested per month to safely meet your expected monthly needs for that time frame. If your current ELSS investment isn’t enough, it recommends increasing your monthly savings in the investment phase. This segment is helpful for future-proofing your plan if your expected lifestyle exceeds your current savings pace.

⚠️ Disclaimer:
This calculator is for mathematical estimation only. Investments should be made after consulting a SEBI-registered financial advisor.

Important Disclaimer: Market investments are subject to risks, including the potential loss of principal. The Compound Annual Growth Rates (CAGRs) used (ELSS: 15%, Flexicap/Multicap: 15%, Index Fund: 12%, PPF: 7.1%, RDs: User Defined%) are historically achievable minimums as per data and could vary significantly in the future. This calculation is an estimate and not a guarantee of returns. This webpage contains information for educational and self-calculation purposes only. It does not provide any investment advice or recommendations. Before making any investment decisions in stocks, mutual funds, or any other financial instruments, it is strongly advised to consult with a SEBI-registered financial advisor who can assess your individual financial situation, risk tolerance, and investment goals. Note (for SWP section): This SWP calculation assumes the ELSS fund continues to grow at its fixed 15% CAGR during the withdrawal phase. Market returns can vary. Always consult a financial advisor for personalized advice.

Poetry

The Rain Fell Softly: A Poem of Unspoken Love and Lingering Longing by Naveen Kumar Jannat

A Blooming Ache

— by Naveen Kumar Jannat

The rain fell softly and slowly,
Each drop a whisper no one could know
Flowers bloomed with shyness,
As if the earth blushed in embarrassment

She stood under a jasmine tree,
Eyes locked with his, but never free
A throng stood between them like iron bars,
With laughter as light as falling stars

They breathed the same damp, scented air,
Yet fate kept them unaware
In spaces that felt close, but were far apart,
With surging tides inside their hearts

His shirt clung to his warm skin,
And hers, like silk, hugged her close
Each glance felt like a touch they couldn’t take,
Each smile was a tremble they had to fake

Peers walked by with teasing eyes,
With grins, jokes, and casual lies
The world around them could never guess
The storm beneath their calm surface

For every joke, there was a hand she hid,
For every nod, a sigh he let out
Their bodies burned with silent pleas,
Like roots entwined beneath a tree

Her fingers longed to find his face,
To trace his jaw with gentle grace
His arms ached to pull her close,
To wipe away the drops and taste her tears

But duty called, and rules stood firm,
And eyes became walls within the hall
So all they did was share a look—
Two pages read but not taken

The rain kept falling, sweet and slow,
And blossoms bloomed with a silver glow
Their hearts echoed in secret moans,
In empty rooms and silent phones

When night arrived, the longing stayed,
No kisses shared, no skin exposed
Just memories of a near embrace,
And dreams of touch that stayed out of reach

They parted ways with heavy eyes,
Each step a prayer to fate's disguise
And in the dark, alone in bed,
Each whispered word the other said

"If dawn allows, if fate is kind,
If time and space could be rewound—
Let flowers bloom, and rain keep falling,
But let no crowd stand like a wall"

So with the night, their hunger remained,
Two souls in love, untouched, unchanged
They dreamed not of lust, but of gentle grace—
To hold, to breathe, to touch a face

About This Poem

"The Rain Fell Softly" is a poignant exploration of unspoken love and lingering longing. Set against the backdrop of a gentle rain and blooming jasmine, the poem delves into the silent world of two individuals drawn to each other, yet separated by societal barriers and the watchful eyes of a crowd. It captures the essence of unrequited desire and the profound connection that exists beyond physical touch, highlighting the beauty and pain of a love that remains just out of reach. This verse is a testament to the powerful emotions that can exist in the quiet spaces between people.

Explore More Poetry by Naveen Kumar
© 2025 Kaho Jannat by Naveen Kumar. All rights reserved.