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Nitin Narkhede

MF, PF Expert 

87 Answers | 23 Followers

Nitin Narkhede, founder of the Prosperity Lifestyle Hub, is a certified financial advisor with eight years of experience in helping clients design and implement comprehensive financial life plans.
As a mentor, Nitin has trained over 1,000 individuals, many of whom have seen remarkable financial transformations.
Nitin holds various certifications including the Association Of Mutual Funds in India (AMFI), the Insurance Regulatory and Development Authority and accreditations from several insurance and mutual fund aggregators.
He is a mechanical engineer from the J T Mahajan College, Jalgaon, with 34 years of experience of working with MNCs like Skoda Auto India, Volkswagen India and ThyssenKrupp Electrical Steel India.... more

Answered on Jul 02, 2025

Money
Hi I am 44 years old now and working in a software company and I am getting take home salary around 2 lacpa. I am maintaining 2 ppfs account in which one is with my name and other one is with my wife name. After 2 to 3 years those will be going to comple and the total amount I will get is around 50 lac. I have one personal loan of 10 lac in that current outstanding amount is 9 lac and also I have 2 topup home loans which around 42 lac and also I am investing 9100 monthly to my nps account right the outstanding balace in that nps is 9.5 lac. I have 2 sons, in that one is studying inter first year other one is studying 9th class. Could you please suggest me on how can I plan my retirement efffecient
Ans: Laxman, at 44, you're at a pivotal point in your financial journey. With a take-home salary of ?2 lakhs, you're doing well, but streamlining your finances now will ensure a peaceful retirement. First, use a portion of your upcoming ?50 lakh PPF maturity to clear the ?9 lakh personal loan—freeing you from high-interest debt. Then, prioritize building a retirement corpus of ?2.5–3 crore by age 60. Continue and, if possible, increase your NPS contributions and start SIPs in balanced and flexi-cap mutual funds. For your sons’ education, allocate ?15–20 lakh into conservative funds and start a ?10–15K monthly SIP. Also, plan to prepay the ?42 lakh home loans over the next 7–8 years using any surpluses. Keep ?5–7 lakh liquid for emergencies, and ensure adequate life and health insurance. With discipline and consistent investing, you can achieve both your family and retirement goals smoothly. Stay focused—you’re on the right track.

Regards, Nitin Narkhede -Founder, Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar
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Answered on Jul 02, 2025

Money
Hello sir, i am 41 years old. Currently drawing inhamd salary of 1.8 lacs per month. Currently i am possessing two properties with EMI of 80000 per month. Currently i am having monthly sip of 6000/- per month in MF . Also i having 28 lacs corpos in EPF and 23 lacs in NPS. I have 7 lacs in liquid cash and around 7 lacs in shares and MF. I have two sons (8 and 13 yrs) Kindly provide me financial plan for futire education of kids and loan repayment at the earliest
Ans: Hi Pankaj, you're on a solid financial foundation with ?1.8L monthly income, ?28L in EPF, ?23L in NPS, and some investments in mutual funds and stocks. However, with ?80K EMI and limited SIPs, it's time to refocus. First, allocate ?4L from your ?7L cash as an emergency fund and use ?3L toward home loan prepayment if no penalties apply. Start goal-based SIPs of ?15K/month for your sons' education (ages 13 and 8) in diversified equity funds like PPFAS Flexicap or HDFC Hybrid Equity. Gradually increase SIPs each year. Review and optimise your NPS allocation towards equity to benefit from long-term growth. Ensure that you and your family are adequately insured beyond your employer's health plans. Avoid pausing investments to repay loans unless necessary. With consistent investing and smart cash flow management, you can achieve debt freedom and fund your children’s education without financial stress. You’re in control—now just stay disciplined.

Regards, Nitin Narkhede -Founder, Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar
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Answered on Jul 02, 2025

Money
I am 41 year old, 14 year working exp in store manager and purchase department industry in hospital construction and automobile, from 2022 started own interior exterior houses work and ready to move house service ,but unfortunately git loss and closed all from last 3 month , no income source companies not considering fir jobs , what to do ,kindly guide ,loan emi is huge and income source zero, what to do, kindly guide confidence also lower
Ans: Dear Abhishek, you’ve had 14 years of solid experience in store management and purchasing across industries like hospital construction and automobiles—that’s a strong foundation. Starting your own interior and housing business in 2022 was a bold move, and although it didn’t go as planned, it shows your entrepreneurial spirit. Currently, with no income and mounting loan EMIs, I know things can feel overwhelming. First, approach your bank to restructure or defer EMIs—many offer relief in tough times. Next, cut non-essential expenses and focus on finding immediate income. With your background, you can explore short-term contract roles or freelance work on platforms like UrbanClap, Apna, or even reach out to contacts from your old network.

Update your resume to highlight your strengths—vendor management, cost control, and procurement. Don’t hesitate to take a step back to re-enter the job market; stability now is more important than pride. Also, don’t let this period affect your self-worth. Set small, achievable goals each day, lean on family and friends for emotional support, and remember: this is a temporary phase. You’ve bounced back before, and with determination, you will again. Your experience is valuable—channel it wisely, and keep moving forward.
Regards, Nitin Narkhede -Founder, Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar
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Answered on Jul 02, 2025

Money
I am 46 year old with monthly joint salary (incl. Wife) of 3.03L per month take home with 10% annual increment. I have investments in MF 33.76L (LC 15.56 + MC 8.9L + SC 2.9L + Silver +& Gold 2.19L + Debt 1.7L + orhers 2.46). I have invested in ETF 2.13L (LC 58K + MC 27K + SC 27K + Debt 21K + Gold 80K). Further Invested directly in Stocks through Demats 15.69L (LC 6L + MC 4.64L + SC 4.63L). I have FDs 18.44L & Kalyan fold scheme 1.8L maturing in 2025 end, 2026, 2027. I have ICICI PMS ( LC 26.18L + Contra 25.91 L) since 12 June 2024. I make monthly SIPs of 248200 (MF 98K + ETF 30K + Kalyan Gold deposit scheme of 20K + Stocks 50K + FD 50K). MY monthly EMIs are 51523 (Home Loan 21523 balance 33 EMI + 2 Car Loans 30000 Balance 35 EMI). My son is in Class 10th seeking Architecture career till Masters i.e. further education of 9 years). I have flat rented with monthly 14K rent from Indirapuram Ghaziabad 2BHK flat purchased in 2011 and 2.8K monthly Metlife payout balance for 15 years. My wife runs Eurokids Preschool Franchise and takes care of home expenses with her business turnovwr presently about 20L per annum. I want to take gap of 2 years for my sons +2 studies from Kota to prepare for Architectural exams (JEE paper 2, Advance, NATA and CAA), focus on my health (I am diabetic for last 15 years) and enhance my skills in BIM in civil engineering. I have family health insurance of 15L annually and Life Insurance of 10L from Aviva & LIC maturing in 3 years with additional payout of 12.75L. My monthly house Expenditure is only 20-30K incl. Payout to my mother, grocery and others as we have settled in Dhanbad with another 3BHK loan free house and preschool small business. Shall I return back to salaried work after 2 years gap to increase my current investment corpus of 1.32 Cr targeted for 1.5Cr. By March 2026 as I have been wolkaholic for past 22 years career?. Can plan my retirement with 1.5 cr corpus with SWP for living and carryover with Quantity & Contracts Consultant through work from home for pleasureas empty mind is devil'shome? Your expert advice shall be highly advisable in my future decision making.
Ans: With minimal expenses, good insurance coverage, and disciplined investing, reaching a ?1.5 Cr corpus by March 2026 is achievable. Post-gap, part-time consulting is advised to maintain income and engagement. Retirement with a ?1.5 Cr corpus is feasible if supplemented with SWP, rental income, and occasional consulting. Regular review, strategic reallocation, and a separate education fund will ensure financial stability and peace of mind. The current strategy is sound and sustainable.
You’ve built a solid foundation — taking a 2-year purposeful pause is not only justified, it’s well-earned. With minimal liabilities, diversified income, and ongoing SIPs, your target corpus and long-term retirement needs are well within reach. Returning to work as a contract consultant after 2 years is a great way to ease into semi-retirement with dignity, fulfillment, and financial security.

You're on the right path, Amit — just continue to review and rebalance every 6 months.

Regards, Nitin Narkhede -Founder, Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar
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Answered on Jul 02, 2025

Asked by Anonymous - Jun 29, 2025Hindi
Money
Hello sir, This is in connection to your previous insightful guidence. 1.I have stopped my investment in postal life insurance. 2. Started term insurance. Thereafter, i need little more from u. Before that i would like to reframe my financials as under- In hand salary - 48k Home loan emi- 21k Term insurance- 1.3k Domestic expences- 15k (roughly) Reserves monthly- 4/5k Amt available for investment- 6k approx. Kindly suggest over the info given with goal of 1.5cr. @ when i am 50. At present my age is 33 yrs. Along with that i will be incresing investment 10% annually.
Ans: Dear Friend,
At 33, with a take-home salary of ?48,000 and a home loan EMI of ?21,000, you’ve made commendable financial choices—starting a term insurance plan and stopping postal life insurance. You have around ?6,000 monthly available for investment and aim to build a corpus of ?1.5 crore by age 50 (in 17 years). By starting a SIP of ?6,000/month and increasing it by 10% annually, while targeting an average return of 12% via diversified equity mutual funds (like Parag Parikh Flexi Cap, Mirae Asset Large Cap, or HDFC Nifty 50 Index Fund), you can realistically reach your target. Additionally, allocate ?4–5K/month to build a ?50,000 emergency fund to handle unexpected expenses. Continue your disciplined approach and review your investments yearly to adjust for inflation and income growth. This simple yet consistent strategy can help you achieve financial freedom by age 50. Stay invested and stay disciplined.

Regards, Nitin Narkhede -Founder, Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar
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Answered on Jul 02, 2025

Money
Hello sir, Follow up to my previous question.. I have 2 plots in my town which may value nearly 20 lk each. Planning build rented 2 floor house (two 1bhk & one 2bhk) in another plot by selling one and using my current saving in different places like FD, chit funds and few small hand loans amount and in my town 2bhk rent is 10-11 thousand.. I'm not going for loan I can manage with my other savings and next year earnings.. currently 30k SIP is on going in mutual funds.. is this is a good idea to generate fixed/low risk rented income.. ? Or should I hold both plots without rented house.. please suggest..
Ans: Dear Pradeep, Building a rental house on one of your plots is a smart, low-risk way to generate passive income, especially if your town has steady rental demand. With potential monthly earnings of ?20–22k, it can provide financial stability without relying on loans. Ensure you keep part of your savings liquid for emergencies and future needs, and account for maintenance costs. If rental demand is uncertain, you may consider holding both plots for capital appreciation. Overall, your plan is sound—just maintain a balance between real estate and your ongoing SIP investments for long-term financial health and income diversification. If your town has good rental demand and you’re not relying on loans, go ahead with constructing one house — it’s a solid, low-risk plan for passive income. Just keep an emergency fund aside, continue your ?30k SIPs, and stay diversified, estimating construction vs rental ROI. For flats, it is different, and for commercial properties, it is different. if your property is on a main road, you can create some shops or godown that can generate more ROI compared to flats. Regards, Nitin Narkhede -Founder, Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar
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Answered on May 25, 2025

Asked by Anonymous - May 23, 2025
Money
I am 42 years and My husband is 45, We both are running a Sofa manufacturing factory.We have 2 kids 1 is in grade 6 and another is 3.5 years old. We don't have any EMI,I have saved money to both of my children 6 lakhs each in FD. Myself and my husband have saved around 30 lakhs which we have kept in FD, we have health insurance and 5 lakhs I have invested in ICICI mutual funds. We have our own house, car which are EMI free. Since too much competition in Sofa industry gradually business has gone down . If we decide to close our factory how much money should I have in my account to lead happy and tension free retirement life or what should we do know to have a good life.
Ans: Dear Friend,
You're in a strong financial position—no EMIs, own home, and decent savings. At 42 and 45, with two young children, you still have 10–15 years to earn and build wealth for a peaceful retirement actively.
You're financially stable with ?30L in FDs, ?12L saved for kids, and ?5L in mutual funds. But if you plan to close your factory, assess alternate income sources or part-time work. To retire comfortably, aim to build a corpus of ?3–4 crore over the next 15 years through a mix of equity mutual funds (SIP ?50–70k/month), PPF, and targeted investments for your kids' higher education. Keep 1–2 years of expenses in liquid funds. Since you’re debt-free, focus on maximising savings and generating passive income to ensure a tension-free retired life.
Regards, Nitin Narkhede -Founder, Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar
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Answered on May 25, 2025

Asked by Anonymous - May 23, 2025
Money
Hi Financial Guru's I am 32 and my wife 30 years old (no kids) earning 4L/mnth and also we have 1.3L/mnth of rental income , total 5.3L/mnth post taxation We have a home loan of 2.2 cr currently for 29 years old at 7.5% intrest Our goal is to close the home loan and create enough savings to retire at the age of 45 without worrying about the study of a kid. We are expecting to spend 1L/mnth once we reach age of 45, Based on our current spends trend ( also adding the inflation and educational expenses of a kid) Please Advise us the mode and the amount required to save to achieve this target of ours before we reach 45. Currently we don't have any savings of our own in any form.
Ans: Dear Friend,
You have a strong foundation with a combined monthly income of ? 5.3 L and a clear goal to retire by 45. Prioritise building an emergency fund of ?10–15 L first. Then, the monthly surplus (after expenses and EMIs) will be split between aggressive investments (70% in equity mutual funds/SIPs) and moderate options like PPF or NPS (30%). Target building a retirement corpus of ?6–7 crore by 45, which can support ?1L/month inflation-adjusted expenses. Simultaneously, prepay your home loan aggressively—aim to close it in 10–12 years by channeling bonuses/rent. Use term/life insurance and plan for your child’s education via dedicated SIPs. Disciplined investing is key to achieving your goals. Advice is to meet a Financial Advisor and create your life and goal plan.
Regards, Nitin Narkhede -Founder, Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar
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Answered on May 19, 2025

Asked by Anonymous - May 18, 2025
Money
I am 47 years old, have saved approx 2.3 crs through mutual funds, nps, epf, etc. I save around Rs1.25 lacs pm. I wish to work for 5-8 more years. My son is in 12th and wants to pursue engineering. I live in office provided lease accommodation and dont own any house. Is purchasing a house in my name necessary or can I just continue to save for retirement and stay on rent? Will the corpus be enough when i retire after 5-8 years?
Ans: At 47, with a solid corpus of ?2.3 crore and monthly savings of ?1.25 lakh, you're on a strong financial path. If you continue saving for 5–8 years, assuming modest growth (10% annually), your corpus could grow to around ?4.5–5.5 crore—potentially sufficient for a comfortable retirement, especially if expenses are kept in check.

Buying a house isn’t strictly necessary unless emotional security or future housing stability is a priority. Renting can remain viable if you're disciplined with investments and ensure rising rents don’t strain your retirement income. You may also consider buying a smaller house closer to retirement, funded partially by your corpus, without compromising long-term returns.

Also factor in your son’s engineering expenses in the next few years, which could temporarily reduce your savings rate. Ensure you’re adequately insured (life and health) and have an emergency fund. A financial plan aligning your retirement income needs with inflation-adjusted expenses will help fine-tune your decisions.
Regards, Nitin Narkhede -Founder Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar
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Answered on May 19, 2025

Money
Dear Sir, Me and my wife are 39 years old, our total in hand income from salary is 1.3 lakhs. I have a car loan EMI of 28100, 4 yrs left in tenure. We have personal loan EMI of total of 25k monthly and 4 yrs remaining. We have invested in 3k monthly in PPF and 6k monthly SIP in MF (both of us incuded). We pay rent of 26k per month. Our kid is 2.5 yrs old and we have put him in daycare as we have to go office. Daycare expenses are 9k per month, including his 3 times meal. Petrol expenses are 7k per month (have to take our own car as using public/shared/office transport takes additional 1 hr to an fro from office). Broadband and moble connection together costs us 2.2k per month and Electricity is 1.8k per month. Remaing amount is spent in Groceries+Misc. We dont have any gold/own house/land/parents house or any savings left nor do we have any cash left. We dnt have any insurance for neither of us. Our child is growing and we need money for his education and futue, we need to buy a home for ourself. How to plan for our child's education and future and our retirement and our income and our future.
Ans: Dear Deepankar,
At 39, with a child and heavy EMIs, focus first on stability. Get term insurance (?1 crore each) and family health insurance (?10–15 lakh). Build a 3-month emergency fund by cutting discretionary spends. Consider refinancing loans to reduce monthly EMIs. Pause SIPs temporarily; restart once debts ease. Shift to a more affordable rental if possible. Delay home buying until finances improve. Track every expense and optimize where possible. Later, restart SIPs for your child’s education and your retirement. Discipline and clear priorities now will secure your family's financial future. Consult a financial planner to structure goals and investment strategy effectively.
Regards, Nitin Narkhede -Founder Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar
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Answered on Jan 23, 2025

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Money
Hi Sir, I am retired and 63 years old. Having 50 lacs in equity.1.5 cr MF, 25 lacs in SCSS.expected landproperty sale of 4.5 cr also having own house and no education or marriage expenses of children. Medical insurance of 10 lack for me and wife. However intended to buy a residential property of 3 cr to get relax from capital gain post selling the land. And same will be given to daughter later. Need monthly expenses of 1.25 lack. Since market is too volatile. Kindly suggest way forward.
Ans: Dear Pralhad,
To manage your finances post-retirement and handle market volatility, allocate the ?4.5 crore from your land sale strategically. Use ?3 crore to purchase a residential property to save on capital gains tax and gift it to your daughter later. Allocate the remaining ?1.5 crore into ?50 lakh in SCSS for secure returns (~?16,000/month), ?50 lakh in RBI Floating Rate Bonds or POMIS (~?30,000/month), and ?50 lakh in balanced mutual funds for moderate growth. For your existing assets, keep ?25 lakh in SCSS and divide the ?1.5 crore mutual funds portfolio into 60% balanced advantage or hybrid funds for stability and 40% debt funds for steady income. Maintain 20-25% equity exposure (?50 lakh) in large-cap or dividend-yield funds for growth. Combined with a ?20-30 lakh emergency fund, this ensures a stable monthly income of ?1.25 lakh while safeguarding against market risks and providing for your family's future. Consult a certified financial advisor for personalized tax-efficient strategy
Regards, Nitin Narkhede -Founder Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar
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Answered on Jan 21, 2025

Asked by Anonymous - Dec 01, 2024Hindi
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Money
65-year-old brother wants to sell Rs. 4 crore share of inherited property: Should I buy or invest?
Ans: Dear Friend,
If you’re considering whether to purchase your brother’s share of the inherited property for ?4 crore, weigh peace of mind against financial returns. Buying his share gives you full control, eliminates potential disputes with a third-party buyer, and ensures no interference in your peaceful living. However, the rental yield of ?60,000/month (~1.8% annual return) is significantly lower than the ~8% return you could get by investing ?4 crore in fixed deposits or bonds, which would generate ~?2.67 lakh/month.

Regarding the terrace, your brother cannot sell his 50% share independently since it is undivided and jointly inherited. Any sale requires your consent, limiting his ability to transfer full terrace rights to a new buyer.

Redevelopment of the property is an excellent option, offering increased value and rental income. Builders are likely to provide additional floors or cash components in exchange for development rights, enhancing long-term financial benefits and ensuring modern amenities.

If your priorities are peace of mind and control over the property, purchase your brother’s share. Otherwise, invest in safer financial instruments and consider redevelopment to maximise the property’s potential. Consult a lawyer and financial advisor to ensure the best decision. Your Financial adviser can deeply evaluate all your assets and liabilities and provide a solution which will give you more leverage.
Regards, Nitin Narkhede -Founder Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar
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Answered on Dec 31, 2024

Asked by Anonymous - Dec 25, 2024Hindi
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Money
Can I retire at 50 with 60 lakhs in FDs, 3.5 lakhs in mutual funds, and properties worth 3.5 crores?
Ans: You have a solid financial foundation , Having static property is good to have, unless it is creating any income, otherwise it will be consuming expenses for maintenance. about plan to get 1 lac monthly after retirement at 50 you need to plan certain investments, for 12L(1L per month) per year you need corpus of 3 CR . Retirement Corpus Allocation: Plan to Achieve Your Goal:
1. Maximize FD Efficiency- Shift ?30 lakhs from FDs to debt mutual funds or balanced advantage funds for better post-tax returns (~7-8%). Keep ?30 lakhs in FDs/post office for emergencies and stable returns. 2. Grow Mutual Fund Investments:
Increase equity exposure to at least ?50 lakhs by systematic investments of ?50,000/month in equity mutual funds (e.g., index funds, large-cap funds). By doing this your Expected returns: 10-12% over 10 years, growing the corpus to ~?1.2 crore.
3. Utilize Properties- Explore rental income or liquidate one property closer to retirement to add to your corpus.
If one property generates ?50,000 monthly, you’ll need a smaller investment corpus for the remaining ?50,000.
At retirement allocate-50% in debt funds/FDs for stability and regular income. 50% in equity mutual funds for growth and inflation adjustment. Build an Emergency Fund: Maintain ?10-15 lakhs for unforeseen expenses post-retirement.
Regards, Nitin Narkhede , Founder Prosperity Lifestyle Hub Community.
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Answered on Dec 31, 2024

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Sir, I am a group d railway employee .My total income in hand is 40000. I distribute my money as personal loan emi 14702 (3 years left) Fridge emi 1700 (2 left) For marriage purpose 10000/month Investment mf 5500 (just started 5 months) My expense 4000 Family 5000 Now I have to marriage in January 2026 ,try to arrange money 2 lakhs, I know that's not enough but still I try to make up, after marriage I live in rent of 7000, then my marriage purpose 10000 break into rent and my expense. I bought a land 2 years ago, after 2 years of my marriage I want build my home and then I think I have 2.5 lakh in mf and rest I should take a home loan... Am I right path? Please suggest a proper roadmap for my current financial situation.
Ans: Dear Jay, Its good to see that you are sensitive about the future and concerned about how to achieve it, sere are some suggestions, 1. Savings for Marriage: Target: ?2,00,000 by January 2026-Your current savings approach of ?10,000/month is excellent. By January 2026 (approximately 15 months), you’ll save ?1,50,000. Add the maturity value of your MF investments (?5,500/month for 15 months = ~?82,500 assuming 10% returns). Together, this will bring you close to your target.
2. Post-Marriage (From January 2026)- Adjust Budget for Rent:- Allocate ?7,000/month from the ?10,000 set aside for marriage savings. About Expenses: Consolidate other expenses into ?6,000–?7,000. Continue Investing in Mutual Funds: maintain your SIP. 3. Home Construction Planning (2028)-Assess how much additional funds you’ll need beyond the projected ?2.5 lakh from MFs.lan to take a home loan while ensuring your EMIs remain below 40% of your monthly income (~?16,000). 4. Start building an emergency fund of ?50,000–?1,00,000 gradually to handle unexpected expenses without disrupting other goals. By staying disciplined and regularly reviewing your financial plan. Regards, Nitin Narkhede Mentor, Prosperity Lifestyle Hub,
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