From 25K to Crorepati: How One Middle-Class Man Turned Pay Slips into Power Moves

Converting a small monthly salary into a multi-crore savings corpus may be an elusive dream, but a middle-class salaried professional has demonstrated that it is achievable by embracing discipline, smart planning, and determination. Having begun his career in 2014 at a salary of ₹25,000 a month, Rajesh Kumar (name changed for confidentiality) has already amassed savings of ₹5 crore as of 2025—a very encouraging example for millions of Indian working professionals.

 

Key Highlights:

 

•⁠  ⁠Early Start & Consistent Investing: Rajesh began investing in mutual funds and equities from his first salary itself, prioritizing SIPs and compounding over flashy expenses.

 

•⁠  ⁠Aggressive Savings Rate: He kept his savings rate between 40-50% of his income, putting more money away with each raise and bonus.

 

•⁠  ⁠Smart Asset Allocation: He invested across equity mutual funds, index funds, PPF, and real estate here and there to balance risk and growth.

 

•⁠  ⁠Financial Literacy: Rajesh attributes financial blogs, books, and frequent meetings with advisors for educating him on avoidable mistakes and keeping him focused on long-term objectives.

 

•⁠  ⁠Low Debt: Living below his means and not inflating his lifestyle despite growing income contained debt, ensuring investments could continue to grow uninterrupted.

 

Prospect:

 

Rajesh's tale is proof that through careful planning, disciplined investment, and knowledge of finance, even those with lower incomes can create phenomenal wealth. Rajesh's existence is the driving force behind India's aspirational middle class. 

 

Source: India.com