# Building crores without perfect plans > Three Pune techies built 1 crore to 9 crore wealth through simple financial habits. - Title: Building crores without perfect plans · Financialexpress - Summary: 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… - Keywords: pune, sudhir dandotiya, mayuresh jadav, shubh patil, sip, wealth creation, mutual funds, financial freedom, early retirement, rs 1.03 crore, rs 9 crore, rs 4 crore - Source: Financialexpress — https://financialexpress.com/money/building-crores-without-perfect-plans-or-best-mutual-funds-10-lessons-from-3-techies-4364042 - Author: Mithilesh Jha - Published: 2026-10-18T05:25:05+00:00 - Read time: 2 min - Topics: pune, sudhir dandotiya, mayuresh jadav, shubh patil, sip, wealth creation, mutual funds, financial freedom, early retirement, rs 1.03 crore, rs 9 crore, rs 4 crore ## 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 ## Key takeaway 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.