There was a time when this young man’s monthly earnings were only 18,000 rupees. Today at the age of 26, his annual salary package has reached around 50 lakhs. Not only this, he has also built a financial wealth of 65 to 75 lakh rupees in three years. This is the story of Arjun Parmar from Ujjain, who changed his financial situation with his hard work, technical skills and investment habit. However, he also faced tough times like losing his job on this journey.

This trip started with a salary of 18 thousand rupees

Arjun Parmar is a resident of Ujjain, Madhya Pradesh. His father runs a small electrical goods business, while his mother is a homemaker. Arjun studied Mechanical Engineering from National Institute of Technology (NIT). However, during college he had difficulty finding a computer science job of his choice.

To meet this challenge he started learning programming, coding and software development. In the year 2023, he got a job in Tech Mahindra. Initially his annual salary was 2.2 lakh rupees. Every month around Rs. 18,000 were coming in handy.

Despite the low earnings, he developed the habit of saving. He sent money to his parents every month and spent limited money for his needs. At the end of the year 2023, he also started a monthly SIP of Rs 5,000.

After changing the job, the earnings reached 1 lakh rupees

October 2024 saw a major change in Arjun’s career. After working at Tech Mahindra for about 15 months, he joined Accenture. Here his annual package became around 12 lakh rupees.

During his stay in Bengaluru, he kept his expenses under control. While managing rent, food and commuting expenses, he raised his SIP to around Rs. 35,000 to Rs. 40,000 per month. During this time, he started sending more money to his family than before.

45 lakh package after shock

In August 2025, Arjun got a job in a large global technology company. His annual package reached around Rs 45 lakh. This was a huge jump from his starting salary.

With more income, his expenses also started to increase. Spending on nice homes, eating out and travel increased. Still he continued to invest Rs 1 to 1.25 lakh every month.

But in May 2026, he lost his job due to company restructuring. A well-paying job ended in less than a year. However, Arjun had an emergency savings of around Rs 6 lakh. This gave him time to find a new job instead of selling his investment.

Again received a package of 50 lakhs

After quitting his job, Arjun again started preparing for coding, technical interviews and system design. After failing at several places, he got a job in September 2026 at another large global technology company.

Now its annual CTC is Rs. Around 50 lakhs. It does not mean that 4.2 lakh rupees are coming into his bank account every month. After tax and other deductions, his regular monthly in-hand salary is around Rs. 2.8 to 3 lakhs is said to be.

How to create a wealth of 75 lakh rupees in three years?

Arjun’s largest share of financial assets is mutual funds. He has in his portfolio around Rs. 35 to 40 lakhs are mutual funds. Apart from this, Rs 7 to 10 lakh is in direct shares, Rs 8 to 10 lakh is in company share based compensation (RSU) and Rs 7 to 8 lakh is in emergency fund.

He also has some money invested in gold, EPF, retirement savings and cryptocurrencies. The total financial assets are estimated to be around 65 to 75 lakh rupees.

He has also bought a house worth Rs 40 to 45 lakh for his parents in Ujjain. For this he took a home loan after giving a down payment. For him it was not only an investment but to fulfill his dream of giving his parents their own home.

Aim to earn Rs 5 crore by age 35

Arjun now wants to build an investment portfolio of Rs 5 crore by the age of 35. His goal is to achieve financial independence by the age of 40, so that he can choose a job of his choice instead of just working for a salary.

There are three important lessons from his story. First, the habit of saving and investing can be started even with a low salary. Second, it is necessary to prevent expenditure from rising at the same pace as income. Third, there should be an emergency fund to deal with uncertainties such as job loss.

Arjun’s journey shows that wealth building involves not only choosing good investments, but also increasing your earnings, investing regularly and being prepared for tough times.