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How 35-Year-Old Tech Professional Built A Rs 4 Crore Portfolio With No Loans
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News18•11-10-2026, 19:54
How 35-Year-Old Tech Professional Built A Rs 4 Crore Portfolio With No Loans
- •Shub Patil, a 35-year-old tech professional from Pune working at Salesforce, has built a wealth portfolio of Rs 4 crore without any loans or EMIs.
- •He earns an annual package of around Rs 40 lakh and invests Rs 70,000 every month through SIPs, with a goal to reach Rs 10 crore by age 40.
- •Shub avoided lifestyle inflation as his salary grew over a decade from Google to Microsoft and Salesforce, keeping annual expenses at Rs 14.4 lakh.
- •His diversified portfolio includes Rs 1.2 crore in Indian mutual funds, Rs 1 crore in US tech company RSUs, stocks, PF, NPS, and cash.
- •Growing up in a debt-free teacher's family with a financially independent background allowed him to take calculated financial risks and save heavily.
Key Questions Answered
Shub Patil built a ₹4 crore portfolio by increasing his salary over a decade from tech companies like Google, Microsoft, and Salesforce, while consistently channeling his higher earnings into savings and investments instead of lifestyle inflation.
His portfolio includes ₹1.2 crore in Indian mutual funds via a monthly SIP, ₹1 crore in US tech company RSUs, ₹45 lakh combined in Indian and US stocks, ₹40 lakh in PF and NPS, and roughly ₹75 lakh in cash.
Shub aims to build a ₹10 crore fund by age 40 to account for inflation and healthcare costs, after which he plans to quit his corporate job and retire to a quiet small town.
