Success stories often begin with a simple decision—and this one is no different. One man grew Rs 1 crore in mutual funds, not by earning crores, but by investing steadily and trusting the process over time. His achievement is not just about money; it’s about what consistent planning can do when mixed with a little patience and a lot of commitment.
Let’s explore how someone with an average income managed to build a corpus of Rs 1 crore—and how you can too.
Table of Contents
Starting from Scratch
Ritesh, a 24-year-old working professional in Mumbai, didn’t come from wealth. His journey began with a modest salary and limited knowledge of investing. But he knew one thing—leaving money idle in a savings account wasn’t going to help him grow financially.
In 2014, after reading a few articles and watching finance videos online, he opened his first SIP (Systematic Investment Plan) with Rs 2,000 per month. That was the turning point. He didn’t wait to earn more or know everything. He just started.
Fast forward to 2025, and one man grew Rs 1 crore in mutual funds simply by sticking to a disciplined strategy for over a decade.
The Investment Approach That Worked
Ritesh didn’t chase stock tips or jump in and out of funds. He followed a methodical plan designed to grow steadily:
Started small, scaled up: He increased his SIP amount every year as his salary grew. From Rs 2,000 to Rs 25,000/month over 10 years.
Chose diversified funds: He picked a mix of large-cap, mid-cap, and flexi-cap mutual funds to balance risk and reward.
Never paused SIPs: During market downturns like COVID-19 in 2020, he stayed invested—and those dips gave him the best long-term returns.
Reviewed once a year: No panic-selling or chasing trends. Just a calm annual check-in with his portfolio.
With this approach, one man grew Rs 1 crore in mutual funds without needing shortcuts, trading apps, or market timing skills.
Power of Patience and Compounding
What truly helped Ritesh was the magic of compounding. By staying invested, his money began to earn returns on returns. Over time, the compounding effect accelerated, especially in the last 3–4 years. While the first Rs 10 lakh took several years to build, the last Rs 10 lakh came in much faster.
That’s how one man grew Rs 1 crore in mutual funds—not by luck or timing the market, but by giving time in the market.
Tools and Platforms Used
He used beginner-friendly platforms like Zerodha Coin and Kuvera for his mutual fund investments. The user-friendly dashboards helped him automate SIPs and track performance without needing an advisor.
He also followed credible financial channels and blogs—not for tips, but to understand market behavior and build financial confidence.
Real Numbers Behind the Growth
Here’s an estimated breakdown of how Ritesh hit the 1 crore mark:
Year 1–3: Rs 2,000–5,000 SIPs = Rs 2–3 lakh corpus
Year 4–6: Increased to Rs 10,000/month = corpus grew to Rs 15+ lakh
Year 7–10: SIPs reached Rs 25,000/month with returns compounding fast
By Year 11: Total investment ~Rs 26–28 lakh | Returns ~Rs 72+ lakh
Total corpus: Rs 1 crore
Lessons from His Journey
If one man grew Rs 1 crore in mutual funds, why can’t others? Ritesh’s story teaches us that:
You don’t need a high income to start.
SIPs bring discipline and remove emotional decisions.
Avoiding market noise is more powerful than reacting to it.
Long-term consistency beats short-term intensity.
Can You Do the Same?
Absolutely. You don’t need to copy every step, but if you can save and invest consistently—even Rs 5,000 a month—you’re already on the path.
Even if you’re late to start, higher SIPs or focused financial goals can help you catch up. Remember, the biggest hurdle isn’t knowledge—it’s commitment.
Just like one man grew Rs 1 crore in mutual funds, you too can build real wealth by starting today, however small.
Final Thoughts
One man grew Rs 1 crore in mutual funds, and it wasn’t magic—it was mindset. His story proves that wealth isn’t about how much you earn, but how wisely you invest. With a clear goal, regular SIPs, and long-term patience, anyone can reach the 7-digit milestone.
Don’t wait for perfect timing. Start with what you have, and let time and discipline do the rest.
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