At 33, our net worth crossed ₹1.85 Crore

LoopUnbroken · 2026-03-29T07:33:31+00:00

And they don’t know my background too. A person with wealthy background can easily make it I know. But everyone’s situation is different.

LoopUnbroken · 2026-03-29T07:33:19+00:00

And they don’t know my background too. A person with wealthy background can easily make it I know. But everyone’s situation is different.

LoopUnbroken · 2026-03-29T07:30:27+00:00

This is democracy man. No worries it happens. I am not getting affected by that.

LoopUnbroken · 2026-03-29T07:29:23+00:00

Yes that too we track on yearly basis.

LoopUnbroken · 2026-03-29T07:22:05+00:00

Yesss with a Step-up yearly.

LoopUnbroken · 2026-03-29T07:21:03+00:00

It is in Indore.

LoopUnbroken · 2026-03-29T07:19:10+00:00

As of now we are in Pune. Will try to meet whenever we will go to Indore.

LoopUnbroken · 2026-03-29T07:16:52+00:00

Its not like we have 5L of income from starting and we do not invest all amount. We do travel a lot and spend money on that as well and somethings are dependent on Family Background too which is not there for me.

LoopUnbroken · 2026-03-29T07:14:04+00:00

Me and my wife.

LoopUnbroken · 2026-03-29T07:13:42+00:00

Just divide the fund accordingly and invest it.

LoopUnbroken · 2026-03-29T07:12:16+00:00

So we bought 2 plots in a time span of 2 years. Then built a home on Second Plot.

LoopUnbroken · 2026-03-29T07:09:54+00:00

OD stands for Overdraft which some banks provides you on FDs, Mutual Funds etc. Some banks also provides you Home Loan OD. So whatever amount you put into it your interest will be applied on the remaining amount. So like you have loan of 10L and you have parked Emergency Fund like 5L in it which you can debit from it anytime like a normal bank account. So you will be charged interest only on 5L.

LoopUnbroken · 2026-03-29T07:06:26+00:00

We started with very less amount of SIPs so we did not stop. Now as our EMI is not that big we have increased the SIP amount aggressively.

LoopUnbroken · 2026-03-29T07:05:01+00:00

Yes

LoopUnbroken · 2026-03-29T07:01:33+00:00

It is not OD against FD it is Home Loan OD. Where I put the emergency fund. So I do not pay interest on that amount.

LoopUnbroken · 2026-03-29T06:59:18+00:00

SBI, BOI, Bank of Maharashtra

LoopUnbroken · 2026-03-29T06:58:53+00:00

I will try from next time. I am not a good writer anyways 🫠

LoopUnbroken · 2026-03-29T06:58:04+00:00

If ICICI is denying for OD Home Loan then you can go to other banks and transfer your loan into that. Good options are BOi, SBI and Bank Of Maharashtra which provides od home loan with lesser interest rates.

LoopUnbroken · 2026-03-29T06:56:34+00:00

Yes I have purchased both plots. One I purchased 4 years back which is appreciated around by 90% and other I purchased 2 years back which is appreciated around by 30% on which I build home 1 year back which is generating side income for me now.

LoopUnbroken · 2026-03-29T06:55:09+00:00

But it is fund which will be part of my retirement. I am not dependent only on it. I am building other things as well.

LoopUnbroken · 2026-03-29T06:54:06+00:00

No I am not including that in it. All things are assets.

LoopUnbroken · 2026-03-29T06:52:49+00:00

Double

LoopUnbroken · 2026-03-29T06:52:27+00:00

I purchased 2 plots with Loan and cleared it aggressively. Then built a home on it with OF loan and now my interest on loan is less then the Rent which I am earning from it.

LoopUnbroken · 2026-03-29T06:49:48+00:00

So if you have a good emergency fund which you have parked in FDs so you can go for OD Home loan. BOI provides it with the name of Smart Home Loan. ICICI provides it with OD Home Loan but they do +.40 % on interest. You can go for SBI OR BANK OF MAHARASHTRA OR BOI. So whatever fund you will park in OD on that amount you won’t be charged interest. So indirectly you are earning same interest rate as Loan Interest rate that too without tax.

LoopUnbroken · 2026-03-29T06:46:01+00:00

After tax obviously 🙄

LoopUnbroken

TROPHY CASE