Kaun Banega Crorepathi?!

Recently, when we were analyzing our business data, we saw that around 10% of our Clients have reached / about to touch 1 crore+ in mutual funds portfolio alone. 

Achieving the first 1 crore is the most difficult thing - but once 1 crore is reached, the next 1 crore is going to come up in less than half the time & time for further crores gets further reduced.  

Hearty congratulations to all of them 👏

Agreed, all of their disposable income was high, which has helped them achieve 1 crore+, but there were some common traits among these people (if not all, majority shared these below traits) - Conclusion was if we could control what is in our hands, we are sure to reach the goals than focusing at things which are out of our control. 


  1. Their Savings rate was higher
  2. They didn't bother about market up & downs much - they invested & stayed for long-term
  3. They didn't keep withdrawing in between (had separate bucket for short term needs)
  4. They didn't chase performance - not much into best performing funds (as they keep changing always) - but gave time to their investments.
  5. They didn't want to get into every new fund that came up / chased every market opportunity.
  6. Their belief in Equities were high even when markets were down - their focus was more on their job / business than studying the markets in social media & following peer's "expert" advice.
  7. Their investment objective was for specific life goals - it was not to get the best / highest return. 
  8. They had other investments in low risk products too so that there is a guaranteed low risk fall back, just in case markets don't deliver as per the expectations. 
  9. Return expectations from the markets were modest - around 10%, although they got more. 
  10. Insurance was in place - both life / health; Hence peace of mind. 
  11. They had a slight idea that each product is there for a specific purpose in the overall portfolio & not every investment need to give them the best return! 

We sincerely pray every investor follow the above traits & achieve 1 crore+ portfolio in the coming years - we would be certainly happy to see at least 30% of our clients reach this magic figure in the next 3-5 years!