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‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.
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Diwaker is an Investor. It took Diwaker time to build his wealth. He used a practical, well-disciplined strategy to invest in the Indian market and saw his wealth increase as the years passed. That’s how he managed to accomplish this
Step | Action | Amount (₹) | Result (After 10 Years) |
1 | Invested monthly in index funds (like Nifty 50) | ₹10,000 | ₹23,00,000 (12% annual return) |
2 | Bought blue-chip stocks (e.g., Reliance, TCS) | ₹5,000/month | ₹12,00,000 (15% return) |
3 | Put money in PPF (Safe Option) | ₹5,000/month | ₹8,50,000 (7.5% return) |
4 | Reinvested dividends & profits | - | Extra ₹3,00,000-5,00,000 |
Total | ₹20,000/month | Over ₹50 lakh + growth! |
Diwaker started with a little, did not rush, and let his investments grow on their own. Even though he earned a typical salary, wisely picking Indian stocks and funds allowed him to become a millionaire (₹1 crore+).
Key Lesson: Start saving as soon as possible, invest your money often, and select reliable companies or funds. It is your ally when building wealth.
Diwaker wasn’t different from you: He went to work like everyone else, made a good income, and wished to become rich. The most notable thing is the significant shift. His mindset. Here’s the way he changed his perspective:
1. Believe You Can Be Rich
2. Spend Less Than You Earn
Diwaker’s Monthly Salary | ₹50,000 |
Needs (Rent, Food, Bills) | ₹25,000 |
Wants (Movies, Shopping) | ₹15,000 |
Savings & Investments |
3. Think Long-Term
Key Lesson
Save Aggressively (How Diwaker Built His First ₹10,00,000)
Diwaker realised that before you can invest, you must first save your money. Here is the way he used his savings to become wealthy:
Read More – Top Financial Habits That Will Make You Rich in 2025
1. Pay Yourself First
2. Where He Saved
Method | Amount (Monthly) | Where | Why |
₹3,000 | Separate Bank Account |
3. Smart Saving Tricks
The Result
Key Lesson
While Diwaker managed to save, he realised that it was not enough to make him rich. Here is the method he used to grow his money:
1. Started With Safe Options
2. Smart Investment Mix
Investment | Amount (Monthly) | Where | Result After 5 Years |
SIP Mutual Funds
₹7,000
Nifty 50 Index Fund
₹5,40,000 (12% return)
Stocks
₹3,000
Reliance, HDFC Bank
₹2,80,000 (15% return)
₹10,000
For medical/urgent needs.
SIP Mutual Funds | ₹5,000 | Index Funds | Long-term growth. |
Recurring Deposit | ₹2,000 | Bank RD | Safe, fixed returns. |
*T&C Apply
Gold (SGB)
₹1,000 |
Sovereign Gold Bonds |
₹75,000 (8% return) |
3. Diwaker's Golden Rules
Key Lesson
Avoid These Wealth-Killing Mistakes (Lessons from Diwaker's Journey)
Many people had to put in hard work, but they remained poor for the reasons mentioned. Here are the problems he never fell into:
1. Taking Loans for Useless Things
2. Chasing Quick Money
3. Not Having Emergency Cash
4. Spending Future Money
5. Waiting Too Long to Start
Key Lesson
When you steer clear of these mistakes, wealth will increase. He got rich by making money as well as saving his earnings from losing them by being careless.
Her story shows that anyone can become a millionaire, as long as they are disciplined and take well-planned steps. With his very first paycheck, he managed to save ₹3,000 and never skipped a month after that. Many tried to strike it rich overnight, while he put his money in index funds and reliable stocks. If his friends were spending large sums on gadgets, he preferred to focus on saving his money.
Also Read - 7 Financial Hacks Rich Indians Don’t Share Openly
In the fifteen years from starting his investments, both his SIP and stock portfolio grew hugely. Diwaker learned that it’s not your earnings that make you rich, but what you keep and allow to grow. Anyone can reach the same level of success - you should start saving from the beginning, save often, invest properly, and give time to do its job. It is simple: keep your expenses below your income and ensure your funds are growing.
1. How much do I need to save to become a millionaire?
If you save ₹10,000 every month and invest it at a 12% return, you'll have ₹1 crore in about 20 years. Start with whatever you can - even ₹2,000/month grows big over time.
2. Can I become rich with a normal salary?
Yes! Diwaker started with a ₹25,000/month salary. He saved 20%, invested wisely, and became a millionaire in 15 years. Your salary matters less than your savings habit.
3. Where should I invest my money?
Begin with safe options like PPF or FD for emergency funds. Then put money in index funds (like Nifty 50) and good company stocks. Never put all your money in one place.
4. Is the stock market risky?
Stocks can go up and down, but if you invest for 5+ years in strong companies, the risk reduces. Diwaker bought stocks like TCS and held them for 10+ years.
5. How much emergency fund do I need?
Save at least 6 months of living expenses. If you spend ₹20,000/month, keep ₹1.2 lakh in an FD or savings account for emergencies like medical bills or job loss.
6. Should I pay loans or invest first?
Pay high-interest loans (credit cards, personal loans) first. For home loans (7-9% interest), you can pay EMIs while also investing, since good investments give 10-12% returns.
7. What if I start late at 40 or 50?
You'll need to save more each month. At 40, saving ₹25,000/month at 12% return can still make you a crorepati by 60. Start now - it's never too late.
8. How do I avoid losing money?
Don't put money in "guaranteed high return" scams. Stick to proven options like mutual funds, PPF, and stocks of good companies. Never invest in something you don't understand.
9. Do I need to stop enjoying life to save?
No! Diwaker still ate out and traveled - but within limits. Save first (20-30%), then spend on wants. Balance is key - don't save so much that you hate your life.
10. What's the biggest secret to becoming rich?
Time. Start early, stay consistent. ₹5,000/month at 25 grows much bigger than ₹15,000/month at 40. Small amounts + patience = wealth.
How to Guides – Investing, Trading & Wealth Building | ||
