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How to Become a B tech Student Crorepati with Smart Investing in 7 Years

How to Become a B tech Student Crorepati with Smart Investing in 7 Years

Unlock Financial Freedom: A Strategic Approach to Building ₹5,000,000 in 7 Years

How to Become a B tech Student Crorepati with Smart Investing in 7 Years, , Embarking on a journey towards financial prosperity involves more than just numbers; it’s about envisioning a secure future. If I tell you that by strategically investing ₹5,000,000, you could potentially have ₹5,000,000 in just 7 years, it might sound like a modest gain. However, the real magic lies in the compound effect over time.

The Initial Investment

Imagine opening an investment avenue with ₹5,000,000, and at the end of 7 years, your balance reads ₹5,000,000. Initially, it seems like a mere ₹65,000 increase, but consider the ripple effect as you continue to focus on your retirement and other ventures.

Diversification and Startups

In the dynamic landscape of startups, every venture contributes to your financial portfolio. Even if some startups fail, the overall impact could still leave you with additional funds. After 27 years, let’s calculate the potential amount and the added advantage of ₹1 lakh extra due to a small habit you cultivated.

Small Habits, Big Gains

If you allocate just ₹50,000 per month to your investments, the total amount could reach ₹50 lakhs. The power of consistent, disciplined investing cannot be understated. A seemingly insignificant habit today might translate into a substantial corpus in the future.

Considering Education Costs

Planning for your child’s education is a crucial aspect of financial planning. Initiating a SIP of ₹5,000 per month could lead to an additional ₹1 lakh after 27 years. This extra amount might make a significant difference in covering education expenses.

Inflation-Adjusted Calculations

Considering inflation, opening a SIP of ₹5,000 can potentially accumulate ₹8 lakhs. Even for a regular degree or additional marriage expenses, this corpus could prove beneficial.

A Holistic Approach

Whether it’s funding your child’s education, planning for your dream retirement, or even making room for unexpected expenses, a well-diversified portfolio is your financial shield. Opening a SIP of ₹5,000 can grow into a significant amount over time.

The Golden Rule

Understanding the power of compounding and taking the initiative in your early years can set the stage for a financially secure future. Starting small, perhaps with a ₹5,000 SIP, can transform into a substantial amount after 25-26 years.

oday I’m going to talk about a very interesting topic: how you can become a millionaire in just 7 years. This may sound a bit strange to you, but I’ll show you how it’s possible.

To do this, we need to do some calculations. Let’s say you have a friend who graduated from engineering in 2013 and got a job right away. Let’s say he started a SIP of Rs. 20,000 per month the same year. By 2020, when you also started a SIP, he had already deposited Rs. 9.58 lakh in 7 years.

Now you started a SIP in 2020 and let’s say you also started a SIP of Rs. 20,000 per month. By 2047, when you will both be 58 years old, the total value of your SIP will be Rs. 4.8 crore. While the total value of your friend’s SIP will be Rs. 5.2 crore.

This is the power of compounding. You can see that just after 7 years of starting, your friend’s SIP value is 20% more than your SIP. And this difference is just because he started 7 years earlier.

Now I take another example. Let’s say you are 25 years old in 2023. If you start a SIP of Rs. 5,000 per month from today, by 2047 the total value of your SIP will be Rs. 1.1 crore.

This may seem like a small amount, but if you use this money for your child’s education or marriage, it can be very helpful.

So friends, this is a small calculation that shows you how you can become a millionaire in just 7 years. If you start now, you can secure your future.

Unleashing Financial Freedom: A Strategic Approach Post-Engineering

Engineering Graduates: Unlocking Financial Success Beyond Degrees

In a recent conversation with my friend, we pondered the idea of starting to save money right after completing our engineering degrees. The thought was triggered by his observation that if we had initiated our financial journey post-engineering, achieving financial freedom could have been expedited.

The Fast Track to Major Success

Both of us completed our B.Tech degrees around 2011. Shortly after, my friend secured a job after being selected in the IIM, while I ventured into pursuing an M.Tech. The key difference lies in the duration of studies – those pursuing MBA typically invest three years, whereas B.Tech graduates spend four years in academia. This puts B.Tech graduates on a faster track to reaching managerial positions, leveling the playing field.

Personal Journey: Engineering to Entrepreneurship

As I delved into pursuing an M.Tech, let’s kick off the analysis. I’m Hemanth, and my friend, let’s call him John, completed his MBA in 2013. Exploring our respective timelines, we were both born in 1988, and from 2012 to 2014, I pursued my M.Tech.

John’s career took off as he landed a job on January 1, 2013, with an initial salary of ₹20,000 per month. Over the next seven years, his salary saw increments, leading to financial stability.

Financial Calculations: A Tale of Two Strategies

If John had started investing ₹20,000 per month from January 1, 2013, assuming an approximate average return in index funds, his corpus after seven years would be around ₹9,580,000. On the other hand, let’s examine my approach.

I started my SIP (Systematic Investment Plan) on January 1, 2020, after completing my M.Tech. Considering the same investment amount of ₹20,000 per month, my corpus after 27 years (till retirement at age 58) would be approximately ₹48 million.

The Power of Compounding: A Financial Marvel

John, despite only investing for seven years, accumulated a substantial corpus of ₹9.58 million. The real marvel is in the power of compounding – with consistent investments and reinvesting returns, my corpus is projected to reach around ₹48 million after 27 years.

Retirement Planning: Charting the Course

Assuming retirement at 58 for both of us, John’s corpus stands at ₹55.6 million. In comparison, my corpus, after investing for 27 years, hovers around ₹48 million.

Strategic Investment Yields Significant Returns

In this financial comparison, it’s evident that strategic investment and early planning yield significant returns. While John’s disciplined approach over seven years yielded impressive results, the power of compounding showcased its prowess in long-term financial planning.

As we contemplate retirement, it’s clear that early and consistent investments, coupled with the magic of compounding, can pave the way for financial independence. The lesson learned is simple – the earlier you start, the greater the financial freedom you can achieve in the long run.


In conclusion, don’t underestimate the impact of small steps in financial planning. Whether it’s a child’s education, retirement, or unforeseen circumstances, investing wisely can pave the way for financial stability. Explore the potential of index funds and SIPs, and consider the long-term benefits. Remember, what may seem like a small initiative today could unfold into a massive financial achievement tomorrow. For more insights, check out my video on index funds in the description or the first comment. Happy investing!

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