In today’s world, money is essential to live a comfortable life.
Many people often think:
“I wish I had crores of rupees so I could live a tension-free life.”
But for a middle-class family, saving ₹2 crore seems like an impossible dream, especially with rising inflation.
One common question is:
"My salary is low, can I still become a crorepati (crorepati = millionaire)?"
The answer is – Absolutely YES!
Even with a modest income, you can build significant wealth.
In today’s blog, I will guide you step-by-step on how you can become a crorepati even with a small salary and achieve financial freedom in life.
Assess Your Saving Capacity
Let’s take an example of Ajay, who is 25 years old and earns a salary of ₹30,000/month.
Ajay supports his parents financially and spends money on commuting to work.
Currently, Ajay is unmarried, but in a few years, he’ll have additional responsibilities after marriage.
So he needs a plan that will help him achieve financial freedom in future.
👉 Assuming his monthly expenses (household + office) = ₹20,000
👉 His monthly savings potential = ₹10,000
Now, let’s see if Ajay can really become a crorepati with ₹10,000 monthly savings!
Choose the Right Investment Options
To build wealth, Ajay needs to open a Demat account.
You can also open your account easily by clicking on the image or link below.
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Now that Ajay has a Demat account, his next step is to start a Systematic Investment Plan (SIP).
Out of his ₹10,000 savings:
👉 He puts ₹2,000 into an Emergency Fund or Recurring Deposit
👉 And starts an ₹8,000 SIP in Mutual Funds
SIP Goal Calculation (SIP Calculator)
Now, if Ajay invests ₹8,000 per month in SIP:
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With 15% annual return (ROI)
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Let’s calculate how much wealth he can create at different time horizons:
| Duration | Total Invested | Maturity Amount (15% Return) |
|---|---|---|
| 15 years | ₹14.40 lakh | ₹49.30 lakh |
| 20 years | ₹19.20 lakh | ₹1.06 crore |
| 25 years | ₹24.00 lakh | ₹2.20 crore |
So, by investing ₹8,000/month for 25 years, Ajay can accumulate ₹2.20 crore!
Bonus Strategies (Extra Smart Tips)
- Increase SIP every year as your salary increases (Step-Up SIP)
- Invest ₹1.5 lakh annually in PPF (Safe & Tax-Free returns)
- Take Health Insurance and Term Insurance for risk protection
- Build an Emergency Fund (6 months of salary) first
- Start investing at an early age – Time is your best friend!
Summary – Your Crorepati Plan
Even with ₹30,000 salary, ₹2 crore is achievable
Start SIP with ₹5,000–₹10,000 per month
Stay invested for 25 years without withdrawals
Increase SIP amount annually
Consistent & disciplined investing = Crorepati!
Action Plan – Start Today
| Step | Action |
|---|---|
| 1️⃣ | Create a monthly budget, fix ₹5k–₹10k for savings |
| 2️⃣ | Open a Mutual Fund SIP account (via Zerodha, Groww etc.) |
| 3️⃣ | Take Health Insurance & Term Insurance |
| 4️⃣ | Set an annual SIP increment target |
| 5️⃣ | Stay patient and continue long-term investment |
🏆 Final Goal – After 25 Years
💰 ₹2 Crore Corpus →
🏠 Buy a house | 🛡️ Secure retirement | 🧒 Fund child’s education | ✈️ Enjoy lifestyle freedom
📢 Need SIP Calculator, Mutual Fund Selection or Personal Finance Guidance? Contact Us:
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“Small savings, strong discipline, and long-term vision — that’s the real formula to become a crorepati!” 💰📈
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