From Financialexpress · Mithilesh Jha · · 2m
Building crores without perfect plans
Three Pune techies built 1 crore to 9 crore wealth through simple financial habits.
In brief
Three Pune techies built 1 crore to 9 crore wealth through simple financial habits. Three Pune professionals built 1 crore to 9 crore wealth through disciplined investing and income growth without relying on perfect plans or top mutual funds. Originally reported by Financialexpress.
First SIP doesn't need to be big
Mayuresh Jadav started with a monthly SIP of rs 2,500 and grew it to rs 70,000 as his income improved.
“Your first sip does not have to be big”
Salary growth matters as much as fund choice
Sudhir Dandotiya saw his salary rise from rs 4.5 lakh in 2017 to rs 52 lakh in 2026.
“Growing your salary can be as important as choosing the right fund”
Control lifestyle inflation
Mayuresh increased his sip as earnings grew while Sudhir built a large portfolio with mutual fund sip and home loan.
“Do not let every salary hike disappear into lifestyle expenses”
Best mutual funds not needed
Sudhir built rs 9 crore without exceptional mutual fund selection while Shubh diversified across assets.
“You do not need to find the best mutual fund to become wealthy”
Family responsibilities don't stop investing
Mayuresh supported parents and sister's wedding while continuing to invest.
“Family responsibilities do not have to stop you from investing”
Understand financial products
Mayuresh bought an LIC policy without understanding it and lost 30% of his investment.
“Do not buy a financial product you do not understand”
Track entire portfolio
Mayuresh built epf corpus alongside mutual funds while Shubh included stocks, bonds and gold.
“Look at your entire portfolio, not just mutual funds”
Diversification matters even with large portfolios
Shubh's tech investments create concentration risk if technology stocks face downturn.
“Diversification matters even when your portfolio is large”
Property decisions should be judged by purpose
Mayuresh's Pune flat generates rental income for parents while appreciating modestly.
“Property decisions should be judged by their purpose, not just returns”
Financial freedom is about having enough
Shubh wants to build rs 10 crore corpus and retire at 35 with rs 12 lakh annual spending.
“Financial freedom is about having enough, not just accumulating more”
Wealth journeys differ but lessons are common
Three professionals built wealth through different routes but share core financial principles.
“Wealth creation is not just about finding the right mutual fund or making one exceptional investment”
Key lessons for building wealth
Improve earning capacity, save part of income, increase investments as finances improve, manage risk, focus on long-term goals.
“It is also about improving your earning capacity, saving a part of your income, increasing investments as your finances improve, managing risk and staying focused on long-term goals”
Financial freedom requires personal context
Retirement corpus needs vary based on dependants, emis, and expenses.
“A person with no dependants, no emis and relatively modest expenses may need a different retirement corpus”
Real wealth journeys matter
Every financial journey has a turning point that shapes long-term financial outcomes.
“Every financial journey has a turning point”
The essence
Three Pune professionals built 1 crore to 9 crore wealth through disciplined investing and income growth without relying on perfect plans or top mutual funds.
