Here is how i built my first 1 crore: This is not a fairy tale. No jackpot. No viral startup. Just smart, consistent steps that anyone can follow — even if you’re earning a modest income. And in this guide, I’ll show you exactly how I did it (and how you can too).
In India, ₹1 crore feels like a dream. It’s the number people use when they say, “I’ll feel safe when I reach there.”
But most think it’s only for businessmen, tech founders, or NRI kids.
It’s not.
You don’t need to earn ₹1 crore per month. You need to be patient &:
Here’s what my portfolio looked like when I crossed the ₹1 crore mark:
| Investment Type | Value (₹) |
|---|---|
| Mutual Funds (SIP) | ₹5.2 lakh |
| Stocks | ₹4.7 lakh |
| PPF | ₹3.5 lakh |
| EPF | ₹4.9 lakh |
| Fixed + Recurring Dep | ₹5.3 lakh |
| Crypto + SGB | ₹1.4 lakh |
| Emergency + Silver | ₹1.6 lakh |
| Spouse’s MF + PPF | ₹18 lakh |
| Real Estate & Others | ₹50+ lakh |
| Total | ₹1 Cr+ |
No overnight miracle. Just 12+ years of consistent investing and optimizing.
I started with ₹1,000/month. Over time, that grew to ₹30,000/month.
Mutual funds, especially flexi-cap and index funds, were the foundation.
Tip: Use the 15×15×15 rule: ₹15,000/month SIP for 15 years at 15% = ₹1 crore+
Salaries increase. SIPs should too. Every time I got a raise, I raised my SIPs and stock contributions.
COVID crash? I didn’t pause. Ukraine crisis? I kept going.
Most people stop when markets fall – I invested more.
📌 Tip: Insurance is not an investment. It’s protection for your investments.
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Never carried a balance. Always paid in full.
Used wisely to earn:
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Kept 6 months of expenses in RDs and Liquid FDs.
This saved me from breaking PPF or stopping SIPs during family emergencies.
Check How I build My Emergency Fund
I avoided them all. You should too.
Yes—but It needs time and discipline.
Example:
Add step-ups, and you get there faster.
You’ll see people searching:
Be cautious. Those are clickbait dreams.
Here’s the safer path:
Start with SIPs + PPF + EPF. Track progress every 6 months. Step up every year. Stick for 10–15 years.
Not hard — but slow. If you want fast results, you’ll end up taking risky shortcuts.
Through a combination of:
You’ll have to build a high-income skill (like coding, trading, YouTube, etc.), and even then, you’ll need to save and invest.
Same formula, longer timeline:
₹1 crore gave me:
You don’t need luck.
You don’t need to be rich.
You just need a plan—and the courage to follow it.
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