He Retired at 45 With ₹4.7 Crore Without Side Hustles or Stock Tips
In a world obsessed with stock market hacks, crypto trends, and side hustle culture, one man quietly walked a different path — and retired at 45 with a net worth of ₹4.7 crore. No trading. No second job. No passive income gimmicks. Just discipline, planning, and smart financial habits.
This is the story of Ravi Sharma (name changed for privacy), a salaried professional who defied the norm and chose financial independence on his own terms.
How He Did It: Key Highlights
1. Started Early and Stayed Consistent
Ravi began saving seriously at 24, immediately after securing his first job. He saved 35% to 50% of his income consistently, regardless of salary increases or lifestyle temptations.
2. Lived Below His Means
He never fell into the trap of lifestyle inflation. Even when promotions came, he kept his monthly expenses under ₹45,000, including rent and utilities, for nearly 15 years.
3. Invested in Simple, Safe Instruments
No fancy portfolios or overnight strategies. Ravi stuck to EPF, PPF, fixed deposits, and index mutual funds. He focused on long-term compounding, not short-term hype.
4. No Loans, No EMIs
He avoided debt. No car loans, no credit card debt, and never bought a house on EMI. Instead, he rented smartly, which gave him flexibility and lower financial burden.
5. Calculated Financial Freedom Number
His goal was precise: build a corpus of ₹4.7 crore, based on his annual spending needs of ₹7–8 lakh. This would allow him to withdraw 3%–4% annually, enough to sustain him with inflation-adjusted expenses.
What His ₹4.7 Crore Portfolio Looks Like
₹1.8 crore in diversified mutual funds (index & hybrid)
₹1.2 crore in PPF and EPF combined
₹80 lakh in FDs and bonds for emergency & stability
₹90 lakh in a balanced hybrid mutual fund + debt instruments for regular income
He withdrew at age 45 but still follows a conservative withdrawal strategy, ensuring his corpus lasts into his 80s.
Lessons From His Journey
You don't need to be a trader or entrepreneur to retire early
Saving aggressively is more powerful than earning excessively
Simplicity in financial planning beats complexity
Living frugally doesn’t mean sacrifice — it means prioritizing freedom
Frequently Asked Questions (FAQ)
How much money did he save to retire at 45?
He accumulated a corpus of ₹4.7 crore through disciplined saving and investing over 20 years.
Did he have any side income or business?
No. He achieved early retirement purely through his salaried income and planned investments.
Where did he invest his money?
Primarily in EPF, PPF, fixed deposits, and low-cost mutual funds (mainly index and hybrid).
How did he keep his expenses low in a rising economy?
He followed minimalism, avoided lifestyle upgrades, rented modest homes, and avoided all kinds of debt.
Is retiring early in India realistic without high income?
Yes, if one starts early, lives below their means, and follows a disciplined saving/investing plan, early retirement is achievable.
Published on: July 19, 2025
Published by: PAVAN
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