Case Studies
How a Pune CA Turned ₹80L into ₹3.2 Cr in 6 Years
A detailed portfolio breakdown — commercial leasing, bond laddering, and one perfectly timed AIF entry. Step-by-step.
This is an anonymised case study of a Pune-based Chartered Accountant who went from ₹80L net worth in 2018 to ₹3.2 crore by end of 2024. The arithmetic is more interesting than the headline.
The starting allocation
Equity ₹35L, FDs ₹30L, residential property equity ₹15L. Standard, conservative, and meaningfully sub-optimal for a 30% bracket professional with 25+ years of earning runway.
The three decisions that mattered
- Pre-leased commercial unit in Baner (2019) — ₹85L ticket, 8.2% yield, sold 2024 at ₹1.4Cr
- Bond ladder built through 2020–2021 at the rate trough
- Single Category II AIF entry in 2021 vintage credit fund — 14.6% net IRR