Bengaluru Techie meets RS 1 crore net assets milestone before becoming 30

A software engineer based in Bengaluru financial travel from only 15,000 GBP per month up to the joint PG to the accumulation of a net assets of 1 crore before 30 years of life has been found a wide online can be found after his story about Reddit.

In a article entitled “Milk Check: started at 2.4 LPA with 23, 1 billion pound before it turned 30,” the Redditor achieved his increase from a modest income and a lesser -known engineer College in order to achieve a lucrative role in a product -based company.

On the way, he constantly built up prosperity through disciplined investment and consistent financial planning.

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Modest beginnings

He started his career in 2018, a new graduate of a modest engineering college and landed his first job with an LPA package of 2.4 GBP.

His early days in a common PG room in Bengaluru were defined by lean savings of 2,000 GBP per month and careful expenses of his tiny salary.

Fortunately, he got into a solid project, learned a lot and developed connections to some amazing seniors.

PG Life to pay hikes

Three years after his first job, he had scaled his income from £ 15,000 to £ 12 LPA – an offer that he was the least expected.

After successfully reducing his notice period from his previous company, he joined the startup in the healthcare system in April 2021 and stayed there for about a year and a half in April 2021.

By December 2021, after a wave of resignations in his team, he began to actively examine more attractive employment opportunities.

He had 13 job offers in his hand by 2022. “Some were incredible. Some looked like red flags were bathed in glitter,” he added. He chose a renowned product company that offered 32 LPA, and stock subsidies finally took his annual overall package to 45-50 LPA.

Read too: Reddit co-founder kicks; wants the black candidate to replace him

Learn investments

His financial trip was not without mistakes. When he started working in 2018, he knew nothing about investments. “My idea of” saving “was just money in my salary account,” he said.

After his first change in 2020, he finally saved savings and had saved around £ 3 to 4 pounds in a few months. His first “investment” was a monthly payout fixed deposit (FD) worth £ 3.5, which is now converted into a standard meal FD.

But after seeing YouTube Finance Content manufacturers like Pranjal Kamra, he was soon presented in sip and investment funds and compounding.

He started small and began to invest 5,000 RS in PPFAS Flexi Cap and ELSS to save taxes. From 2021 to 2023 the returns were negative, even though it was skeptical, and stayed with it

He now invests 71,000 GBP per month via Sips and pursues his net assets with almost religious discipline. He has also taken out a running time insurance, a health insurance of 25 les for himself and added to his parents via his company plan 10 -l insurance coverage.

Simple life

Despite his financial success, he leads a simple life-one that takes up grocery deliveries, but remains largely non-materialistic.

He uses an Android cell phone that he bought in 2019, his wardrobe mainly exists free office t-shirts and his shoes are a few shoes of 250 GBP with improved insoles.

The milestone

By 2025, he touched a net assets of over 1 billion GBP at the age of 30. His portfolio is a balanced mix of investment funds, corporate shares, Providence Fund, FDS and PPF.

Remarkably, his Mutual Fund Corpus grew from 13 Lakh alone in 2023 to almost £ 39 in 2025. His growth was not only in income, but also in financial wisdom.

Read too: Noida -based startup asks the employees whether they are stressed and fired over 100 after they have said “yes”.

Future goals

He aims to achieve the financial independence (FI) by 40 and hopes to retire at 45. For him, early retirement is not about escape, but about peace.

In the next 1–2 years he plans to make another change, probably his last big leap. Until then, he believes that his investments and savings should be enough to cover his expenses.

After retirement, he plans to concentrate on other things – health, travel, hobbies, maybe even others who are where he was.

Farewell advice

His message to young professionals is clear: stay consistent. You don't have to have everything out. Just keep going. Be economical where it matters, where it matters and never underestimate the power of the network – not only in money, but also in learning, resilience and growth.