How to Build Wealth in India With ₹1 Lakh a Month: Wealth Manager Secrets ft. Feroze Azeez | FWS 72

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This week on Finance With Sharan, we sat down with Feroze Azeez, joint CEO at Anand Rathi Wealth and one of India’s most grounded finance experts.
He’s the guy who manages crores for India’s elite but still explains money like he’s talking to you over chai.
In this episode, Feroze breaks down the uncomfortable truth about Indian investing, why people earning ₹1L/month still feel broke, why “safe” investments silently kill returns, and how most investors are rich on paper but poor in peace.
Feroze doesn’t sugarcoat.
He talks about building wealth like an engineer; with logic, not luck.
From tax traps to insurance scams to what a real ₹1 crore portfolio should actually look like, this episode is packed with insights every Indian earner needs to hear.
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We talked about:
🏠 Renting till 45, getting mocked... then buying 4 floors with the money saved.
💭 Selling bad funds, owning up, and rebuilding trust.
💰 How ₹1L/month can still lead to financial freedom, with math, not miracles.
📉 Why most “35% CAGR” claims fall apart under real math.
💸 The trap behind “safe” returns and guaranteed plans.
📊 Building a portfolio that’s structured, not scattered.
🔒 Insurance ≠ Investment, knowing the difference.
⚖️ The peace-first approach to asset allocation.
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Timeline:
[00:00] Intro & highlights
[01:12] Why Indians fear equity but trust bad advice
[04:25] The ₹1 crore myth that keeps people stuck
[08:17] Are mutual funds overrated?
[12:44] What the wealthy actually do differently
[20:39] Debt, SIPs & insurance — what to keep, what to drop
[27:55] How to legally save tax with better structure
[34:23] Feroze’s personal investing framework
[42:10] The mindset shift that separates rich from comfortable
[50:41] Building long-term peace, not short-term profit
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It’s not another “get rich” episode.
It’s the hard truth about money most people figure out after losing it.
If you’ve ever wondered why you’re earning more but still not getting ahead — this conversation is your mirror.
Sharan Hegde is a personal finance creator & founder of 1% Club, featured across India’s top finance media.
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