How I Built ₹12L+ Portfolio and Passive Income

I started with an ₹8,000 internship stipend and my first salary was ₹20,000.

And yet, I built my a ₹12L+ financial backup and passive income streams of around ₹15LPA.

No inheritance. No stock-market expertise. No overnight success.

Just years of being disciplined with money while living in Delhi NCR.

In this guide, I break down the 7 simple money habits I followed to gradually build a ₹12L+ investment portfolio through boring, practical investments.

I also share why I spent nearly 5 years learning before becoming comfortable with equity investing—because there are no shortcuts in wealth creation.

Beyond the portfolio, investing in myself helped me grow my salary to ₹35LPA+ and build additional income streams of around ₹15LPA.

This is not financial advice. It is simply the system that worked for me.

Want a detailed, personalised roadmap? Connect with me for a 1:1 consultation.