How A 28-Year-Old Delhi Officer Saves ₹65,000 From A ₹90,000 Salary

The officer, identified as Kritika, shared her monthly budget in a short Instagram video that quickly did the rounds on news platforms. Instead of big hacks or dramatic sacrifices, her formula is surprisingly ordinary: shared rent, a scooty instead of cabs, home cooked food and almost no impulse shopping. The discipline comes not from apps, but from clear lines she refuses to cross. 

How She Keeps Monthly Expenses To ₹25,000  

Kritika lives in a rented 2BHK in Delhi, splitting the flat with a roommate. Her share of the rent is about ₹11,500 a month. A cook and maid cost her another ₹2,500, while groceries ordered on apps come to roughly ₹4,000 to ₹5,000. Daily commuting is done on a scooty, with fuel capped near ₹1,500 a month, keeping her almost entirely off cabs and autos. Eating out is limited to around ₹2,000, and shopping is held to ₹3,000 to ₹4,000. Subscriptions are essentially free because she uses logins shared by friends and her sister. 

Where Savings And “Extras” Fit In  

By ring fencing regular monthly spends at ₹25,000, she is able to save about ₹65,000 from her ₹90,000 in hand salary. One time expenses, such as trips, a new mattress or other big ticket purchases, sit outside this core budget and are treated as occasional indulgences rather than fixed commitments. The viral response suggests many young earners are curious about such frugal, low drama budgeting in high cost cities, even if they do not plan to copy it line by line. 

Money Habit Highlights  

• Lives in Delhi on ₹25,000 a month out of ₹90,000 take home Shares 2BHK rent and cook costs with a flatmate to cut housing spend Relies on scooty for commuting, limiting transport and cab expenses Keeps eati
• ng out, shopping and subscriptions on a tight but realistic leash  

Sources: NDTV; Moneycontrol; Asianet Newsable; CNN News18 coverage of Kritika, a Delhi government Assistant Section Officer, and her viral ₹25,000 monthly budget on a ₹90,000 salary