5 days ago
Pune Techie Builds ₹9 Crore Assets Through Mutual Funds
Dandotiya is a technology professional in Pune who has built substantial savings by age 32.
He puts money into investments before spending on other things.
Each month, he invests ₹1.5 lakh in mutual funds and pays ₹1.61 lakh toward his home loan.
His family has two incomes, because his wife also works in a senior IT role.
He owns financial investments and a Pune apartment.
His total assets are about ₹9 crore, but his actual wealth after subtracting the remaining loan is closer to ₹7 crore.
He stayed invested even when markets fell.
He hopes to reach ₹20–25 crore by age 40 and eventually become self-employed.
Dandotiya has accumulated a reported ₹9 crore balance sheet by age 32, though his net worth after the outstanding home loan is closer to ₹7 crore.
His assets include ₹4.3 crore in financial holdings and an estimated ₹4.7 crore Pune property.
He invests ₹1.5 lakh monthly in mutual fund SIPs and pays ₹1.61 lakh toward his home-loan EMI.
His investments span 11 direct mutual fund schemes, and he has not withdrawn from them despite market downturns.
Dandotiya targets a ₹20–25 crore portfolio by age 40 to support a possible move into self-employment.
- Who
- Dandotiya, a Pune-based technology professional, along with his wife, who works in a senior IT role.
- What
- He has built about ₹9 crore in total assets and is targeting a ₹20–25 crore portfolio by age 40.
- Where
- Pune, India.
- When
- He reached the reported asset level by age 32; he bought his Pune apartment in 2021.
- Why
- He wants to build enough wealth to potentially shift toward self-employment.
Key facts
- Reported assets
- Approximately ₹9 crore
- Estimated net worth
- Approximately ₹7 crore after accounting for the outstanding home loan
- Monthly mutual fund SIPs
- ₹1.5 lakh
- Monthly home-loan EMI
- ₹1.61 lakh
- Financial assets
- ₹4.3 crore, including mutual funds, gold, deposits, provident funds and direct equities
- Real estate
- A Pune apartment estimated at ₹4.5–4.7 crore
- Target by age 40
- A portfolio of ₹20–25 crore
Quotes
Dandotiya
Technology professional and investor profiled in the article
“Whenever the salary increased, I did not feel that I had to immediately upgrade everything, car, lifestyle, holidays or other expenses.”
businesstoday.in
“Some months it was genuinely annoying to transfer such a large amount of money into investments.”
businesstoday.in
Sources
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