Where most of people tired of to get a job of 25k salary, i am earning 25k per month by doing nothing. Hi everyone here i am sharing my investment journey into mutual fund through SIP. I am a middle class employee with a 40k salary in 2022. and I am glade to share with you that only after 3 yrs in 2025, now i am earning 25,000 interest per month on my investments.
So, let’s starts with begin…
Starts as Middle class employee :
This is really surprising that most of peoples of my age are looking for a JOB of 25k salary. And at same time i am earning 25k as passive income, means an extra salary of 25k in addition to my current salary from my Job.
Hello guys, Like most of indian middle class employee i am start with a basic salary of 40,000 in 2022 but i am very clear that i wanna become rich at my early age & i have to do some sacrifices with my day to day life in early stages of my life.
Since i am having knowledge about stock market from 2018, but i am a contract employee those days with only 7,000 salary with a weak back ground. But my dreams are too big I want to become Richest person in my communities. basically Rishtedaron me sabse ameer banna tha, who allredy have 1-2 crore assets(farm & Banglow).
And the journey begins, journey is very difficult but i am desperate to achieve my dream. My first step is to earn a descent amount salary.
Step-1 :: Increase Salary
I am tried everything, Govt exams like, Patwari, EO/RO, Lab assistant etc. Hard work a lot for two years And finally i am selected in Indian railways. So now I am satisfied with my 40k salary & my 1st step is completed.
Step-2 :: More Saving
Just after starting my job in Indian railways. I am very clear if i want to achieve my Big Dream, i have to save as much as i can. I mercilessly cut down all my expenses which i can. My expenses is very compromised as below :
| SALARY | 40,000 |
| House rent (sharing 6000/2) | 3000 |
| Grocery | 3000 |
| Other | 1000 |
| SAVING (80%) | 33,000 |
Where my other colleague are busy with there luxury life, Trips & costly purchases, end up with zero saving. After 3 years Now my saving gives me extra earning of 25000, that means my current income is 25k more then what my colleague earns.
Step-3 :: Investing in Mutual Fund
Because i am already having basic knowledge about stock market, mutual funds SIP & there historic returns. starts my investment journey as soon as i starts earning from 2022. I am starting with ELSS funds for tax saving.
And when i switch to new tax regime. My new sip goes to Small cap funds because i am already having 50% in large cap, 30% mid cap & 20% small cap. Because my time horizon is long term so it is ok to reallocate my portfolio into 40% small cap.
Step-4 :: Increasing Investment
With increasing my salary i increase my investment. Because i am an active investor, In place of doing step-up SIP, I try to invest in Market correction as Lumpsum & it gives me some extra returns. My portfolio XIRR is more then fund returns itself.
Look once at my Journey…
MY INVESTMENTS :-
| 1) My Mutual Fund Portfolio | 13.89 Lakh |
| 2) My Stock Portfolio | 92,000 |
| 3) My NPS Portfolio | 09.59 Lakh |
| TOTAL INVESTMENT | 24.40 Lakh |
1) My Mutual Fund Portfolio :: 13.89 Lakh
Total investment of 10.70 lakh would become 13.68 Lakh till jun 2025 with a return of 19.5% CAGR
My Current Mutual Fund Allocation ::
My Spouse account ::
Recently opened my spouse account and having corpous of 20k with 17.60% returns XIRR.
2) My STOCK Portfolio :: 92,000
I am having 76k portfolio in Direct Stocks but not for trading its only for long term investing. Having return of 37%. also booked profit of 30k previously.
My Spouse account ::
3) My NPS Holding :: 09.59 Lakh
I am also investing some of my investments in NPS account & having descent return of around 11-12 on my investments. Now the question is how it would be possible?
Whereas most of people earn 7-8% in their NPS deposit. At same time i earned 10-12% in my NPS account. Because i have changed my NPS scheme from “Conservative” to “Aggressive” that means my 50% of investments goes to equity, 30% in Corporate bonds & 20% in Govt. Bonds.
Look at my account statement below…
Total amount invested 7.56 lakh would become 9.59 lakh with a Net Gain around 2.00 Lakh which means ROI of 26.80%.
I hope you will be motivated with my journey. if u have any question regarding SAVING, BUDGETING & INVESTING feel free to comment below, thanking you…
