Archive · 12 Sep 2026
How a Rs 2,500 Salary Became Rs 6 Crore
Grijesh Agal started working in 1998 with a monthly salary of Rs 2,500.
Over time, his career improved and his income increased.
He began investing through mutual funds and gradually raised his monthly SIP.
He stopped investing after losing money during the 2008 market crash.
During the 2020 market fall, his portfolio also declined, but he continued investing.
He used money freed from repaid loans to increase his investments.
His assets now exceed Rs 6 crore, including mutual funds, property, stocks and gold.
His story shows that regular investing, patience and rising savings can build wealth.
It also shows that people do not need to make every financial decision perfectly.
Grijesh Agal began earning Rs 2,500 monthly as a medical representative in 1998.
His income growth enabled his SIP to rise from Rs 7,000 to Rs 57,000 monthly.
He stopped investing during the 2008 crash but stayed invested through the 2020 market fall.
His disclosed assets exceed Rs 6 crore across mutual funds, property, stocks, gold and other investments.
Agal credits career growth, increased savings, debt repayment and long-term investing for his wealth accumulation.
- Who
- Grijesh Agal, an Ahmedabad-based investor and pharma-business owner.
- What
- He built disclosed assets worth more than Rs 6 crore from a starting salary of Rs 2,500 a month.
- When
- He began working in June 1998; key investment milestones occurred from 2006 through 2020 and afterward.
- Where
- His career and investing journey involved Udaipur, Ahmedabad and Eris Lifesciences.
- Why
- His wealth grew through rising income, increasing SIP contributions, debt repayment, long-term investing and staying invested during a market downturn.
- Starting salary
- Rs 2,500 per month in June 1998
- Current age
- 51
- Disclosed assets
- More than Rs 6 crore
- Mutual fund portfolio
- About Rs 2.78 crore against approximately Rs 1.34 crore invested
- Current SIP
- Rs 57,000 per month
- Market crashes
- He stopped his SIP after the 2008 crash but continued investing during the 2020 downturn
- Retirement target
- Rs 7.5 crore to Rs 10 crore