How I’m Saving ₹1 Crore+ in 10 Years With Just My Salary — No Side Hustles, No Risky Investments
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A breakdown of my ₹28.97 LPA CTC Investments & how it's quietly building long-term wealth.
Most people think you need a business, a stock portfolio, or crypto trades to build ₹1 crore.
But what if I told you your salary package alone can get you there — with minimal effort?
Sounds unreal? Not at all.
In this blog, I’ll share how my ₹28.97 LPA compensation is helping me accumulate ₹1 Cr+ in 10 years, even without any risky investment.
📦 My Actual Salary Package (CTC: ₹28.97 LPA)
| Component | Per Year (₹) |
|---|---|
| Basic Salary | ₹10,60,000 |
| HRA | ₹5,30,000 |
| Executive Allowance | ₹7,64,151 |
| LTA (Leave Travel) | ₹88,333 |
| Children Education Allowance | ₹2,400 |
| Lunch Coupons | ₹26,400 |
| Employer’s PF Contribution | ₹1,27,200 |
| Gratuity | ₹51,516 |
| Fixed Compensation | ₹26,50,000 |
| Annual Bonus (STI) | ₹2,47,245 |
| Total CTC | ₹28,97,245 |
🧮 Hidden Wealth: How This Salary Builds ₹1 Cr+
Let’s look at how components from this package quietly build long-term savings:
| Component | Annual Value (₹) | 10-Year Value (₹) | With Growth (8%) |
|---|---|---|---|
| Employee PF (12%) | ₹1,27,200 | ₹12.72L | ~₹18.4L |
| Employer PF | ₹1,27,200 | ₹12.72L | ~₹18.4L |
| Gratuity | ₹51,516 | ₹5.1L (approx) | ~₹5.1L |
| Annual Bonus (STI) | ₹2,47,245 | ₹24.7L | ~₹37.3L |
| Tax Savings (via 80C, HRA, etc.) | ₹2.5L | ₹25L | ₹25L (retained cash) |
✅ Total Estimated Wealth in 10 Years
- Without investing bonus: ₹80–85L
- With basic 8% growth on PF + Bonus: ₹1.05 Crore+
And the best part?
👉 You didn’t trade stocks.
👉 You didn’t start a side business.
👉 You just used your salary wisely.
💡 How You Can Do the Same
- Don’t ignore PF & Gratuity — They grow tax-free with guaranteed returns.
- Save your annual bonus — Even in a savings account or mutual fund.
- Maximize 80C, HRA, LTA — Use the old tax regime and claim exemptions.
- Avoid lifestyle inflation — Your income will rise; don’t let expenses outpace it.
- Track & review your CTC — Know where the money goes and how much comes in-hand.
🧠 Final Thoughts
Your ₹25–30 LPA salary isn’t just a number — it’s a wealth-building machine.
If you stay consistent, optimize your exemptions, and save your bonus,
you’ll hit ₹1 Cr+ in a decade — without any investing anxiety.
💬 Let’s Connect
- Want me to break down your salary? Drop a comment below.
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This post is for educational purposes only and should not be considered financial advice.
Ankit Maheshwari