From RS 2.4 LPA to RS 1 Crore net assets: Bengaluru Techie Successful Successful, Investment trip, all before 30

A Tech Professional, based in Bengaluru, has become viral on Reddit after telling his story about an extension of 2.4 GBP until the development of a net assets of over 1 billion GBP 30 years ago.

In a detailed Reddit contribution entitled “Milestone Check: started at 2.4 LPA at 23, 1CR reached before it was 30,” said the anonymous user of his journey, which did not include family assets, no links and many lessons.

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Modest beginnings and priority of a window seat

“I come from a family with a low income. My father earns about £ 7 to 8,000 a month, my mother maybe £ 5 to 7,000,” he wrote. The money was always scarce, but he landed in a decent private school with a fee of 1,200 GBP per month. “Miracles happen,” he said.

Although he was lazy, he scored 89% in both the 10th and 12th grade and balanced studies with cricket. After he bombed the Jeäen because he did not bomb coaching, he joined a local private engineer College, especially because the college bus started from his area. “Guaranteed window seat for four years. Priorities, right?”

The family struggled to afford College fees. Loan applications were rejected, but relatives helped.

College to code: discover passion

At first he was an electronics and communication student and spent most of his college life for fun with electronics projects. Gradually, he shifted the focus of the electronics on programming.

Until last year he was one of the 35 students selected by a well-known service-based company by over 400 candidates.

Bengaluru job blues: survival of £ 15,000/month

In 2018 he started his first job in Bengaluru with a salary of £ 2.4 lpa (£ 15,000/month).

“I was afraid. How do you survive in a city like Bangalore with this type of salary?” He remembered. Life in a 3-part PG and stretching of 500 GBP helped like £ 5,000. He managed to save 2,000 GBP per month and enjoyed the process.

After 1.5 years he felt ready to continue.

Covid disappointment and a toilet call

At the beginning of 2020, he cleared all rounds in a big 4 company with a expected salary of 6 to 8 LPA. Then Covid hit and the company was haunted.

In April 2021 he received a call back for an interview in the toilet. When he expected 6 GBP -LPA, he was shocked when the HR department said: “We will be much more than paying them.”

It was an £ 12 LPA offer. But he had to convince his current employer to leave him out within 60 days.

Fortunately, his manager agreed to publish him in 15 days because he was on the bench. He joined the new startup in the healthcare system in April 2021.

Big resignation: 13 offers in the hand

In 2022 he started to advertise again as a teammate during the big resignation.

He had 13 job offers until March 2022. Some great, some “red flags immersed in glitter”. He joined a product -based company that offered 32 LPA with stock options. His total compensation rose to 45 to 50 LPA over time.

A simple life with strategic expenses

He just lives, enjoys travel and zomato and still uses an Android phone from 2019. Most clothing are office t-shirts and inexpensive jeans.

“I've never felt the urge to pursue luxury,” he wrote. Shoes? £ 250, with £ 1000 soles. “I have to protect this knee, not the brand image.”

The investment trip: from FDS to swallow

Between 2018 and 2020 he kept his savings in a salary account. His first investment? A 3.5 LAKH FD with monthly payments.

He later discovered personal finances on YouTube (especially Pranjal Kamra). It started in 2021 with 5,000 GBP each in PPFAS Flexi Cap and Elss. Despite early negative returns, he remained invested.

By 2025, he invested 71,000 GBP per month via Sips. Taking it is 1.6 l/month. He supports family, pays rent, spent on food and travel.

His original FD was converted into a standard maturity FD, now his emergency fund.

He bought a term insurance and health insurance: £ 25l for himself and 10 l for parents.

Net Worth Snapshot

He began to follow his net assets in 2023. So it developed:

asset	2023	2024	2025
Investment fund	£ 13l	£ 28l	£ 39l
Comp -shares	£ 6.7l	£ 19.6l	£ 43.1L
Shares	£ 0.68l	£ 1.05l	£ 0.9l
FD	£ 2.5 l	£ 2.5 l	£ 2.8l
Pf	£ 4.7l	£ 6.95l	£ 9.38l
Ppf	£ 3,18l	£ 4.33l	£ 5.12l
Checkout	£ 0.8l	£ 0.8l	£ 0.5 l
In total	£ 31.6l	£ 63.2l	£ 100.8l

The next goal: early retirement

He plans a further change of job within 1–2 years. The ultimate goal? Retirement around 45.

“Hopefully my investments and savings should be enough. Then I would like to concentrate on other things – health, travel, hobbies, maybe even others who were where I was once.”

His last words: “You don't have to find everything out. Be economical where it is important, where it matters and never underestimate the power of the verbal and professional.”

“Stay modest. Life has a funny way to keep you ground. How your 250 -GBP shoes fall apart while your warehouse portfolio is getting quiet.”