In the insightful video “40 CRORES from a 10,000 INR SALARY?”, Ankur Warikoo breaks down how even someone earning ₹10,000 per month can potentially build ₹40 crores over their lifetime.
This isn’t a “get rich quick” scheme, but a step-by-step plan using time, discipline, and the magic of compounding.
If you think your salary is too small to ever make you rich, read on.
1. Understanding the Power of Compounding
Ankur Warikoo explains that compounding is the single most important concept in investing:
“Compounding is when your money earns interest—and then that interest also earns interest.”
This snowball effect grows small investments into huge wealth over decades.
Key point: The earlier you start, the more time compounding has to work.
For example:
- ₹10,000 invested monthly at ~15% annual return for 30 years = ₹2.5 crores.
- Invest for 40 years = ₹10 crores.
- Invest for 50 years = ₹40+ crores.
The difference comes not from investing more money, but simply investing for longer.
2. Start Early, Even if Small
Warikoo urges viewers:
- Don’t wait for a big salary to start investing.
- Even ₹500–₹1000 per month is fine at first.
- Increase your investments as your income grows.
The biggest mistake is delaying. The sooner you start, the less you need to invest each month to hit your goal.
3. The Power of Regular Investing (SIP)
Ankur recommends using Systematic Investment Plans (SIPs) in mutual funds:
- Invest a fixed amount monthly, automatically.
- Avoids timing the market.
- Uses Rupee Cost Averaging to buy more units when markets are low.
- Builds disciplined saving habit.
He explains that SIP is perfect for salaried people who want to invest regularly without overthinking.
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4. Targeting High Returns
The plan assumes a ~15% annual return, which Warikoo notes is achievable over the long term in equity mutual funds:
- Historical Sensex/Nifty returns are 12–15% over decades.
- Equity is volatile in the short-term but powerful in the long-term.
- Be ready for market ups and downs.
Warikoo advises ignoring short-term crashes and staying invested for the long haul.
5. Managing Discipline and Emotions
Most investors fail not because of bad funds but because of bad habits:
- Stopping SIPs in bear markets.
- Withdrawing early for spending.
- Chasing hot tips and frequent switching.
Warikoo emphasizes:
“Be boring. Invest regularly. Don’t touch it for decades.”
Final Takeaway
Ankur Warikoo’s message is simple but powerful: Wealth isn’t about how much you earn—it’s about how long and consistently you invest.
Even a modest ₹10,000 salary can lead to massive wealth if you use time and compounding wisely.
Ready to start your own wealth journey? Explore SIP calculators, investing strategies, and expert guides at Investment Marg. For broader financial planning tips and lifestyle insights, check InkSpireDaily.
FAQs:
Q1. Can someone earning ₹10,000 really make ₹40 crores?
Yes, but it requires starting early, investing consistently for decades, and benefiting from high compounding.
Q2. How much time does it take to reach ₹40 crores?
With ~15% annual returns, around 50 years of disciplined investing is needed.
Q3. Is 15% return realistic?
Indian equity markets have delivered ~12–15% historically over long periods, but returns can vary.
Q4. How do I start with a low salary?
Start small (₹500–₹1000/month) and increase your SIP as your salary grows.
Q5. What if I miss a few SIP payments?
That’s fine. The key is consistency over decades. Even small gaps won’t derail the overall goal.
Credits to : warikoo
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