I used to visit borsad K*t*k bank. There they had done some 55 SIPs of 1 bhajiyawala, selling bhajiyas on a cart/thela. The poor guy didn't know anything abt this. The bank guy will ask for his mobile, do SIPs thru kotak-app &amp; fulfil his Target for then. आगे की आगे सोचेंगे