Hi Raynor,
I liked your style trying to stick to your system. You chosen correct way if you want to continue the trading as a career.
If you want to earn only those 20% return per year there are better ways with minimum time spent.
Example: Open the trading account with the trader who gives good leverage & Write the far away options of Nifty when starting of the month which may give 2000 -3000 per month on your capital.
Suppose today Nifty closed @ 8284. Nifty 7900 Put closed @ around 20. We all are known Nifty may not breach 8000 that much easily. Write 7900 Put 200 Quantity. You will get more than 4000 /- with lesser risk by expiry.