How to build ₹4.5 Crore Net worth from ₹14,000 Salary | Real Estate Masterclass

He made costly real estate mistakes, lost ₹18 lakhs, and got stuck in a court case.
But today, Shubham Chandra owns 5 properties across Gurgaon—thanks to smart leverage, calculated risks, and deep financial discipline.

In this episode, Shubham (Tech Lead at Publicis Sapient) walks us through:

The early mistakes that almost cost him his financial peace

How he rebuilt his investment strategy from scratch

Using Excel models, mutual funds, and home loans to build a ₹2.5 Cr real estate portfolio

Why real estate still works (if done right)

Hard truths and “dark sides” of property buying in India

Bonus: How he and his wife manage expenses, travel 3–4 times a year, and invest over ₹1.5L/month

📌 Whether you're planning to buy your first house or thinking of real estate as an investment—this is a must-watch.

🔔 Don’t forget to like, share, and subscribe to PowerUp Money for more honest conversations around money and investing.

Timestamps
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00:00 - Intro
01:07 - From ₹14,000 Salary to ₹4.5 Cr+ Portfolio
04:22 - Secret to Buying Multiple Properties
05:30 - 30:40:30 vs 20:80 Real Estate Framework
06:30 - 3-Step Framework to Own Multiple Properties
10:26 - How to Find the Best Property
14:50 - How Gurgaon Became a Property Hub
18:02 - Excel Calculation Uncovered
25:22 - Buy vs Rent: What’s Better?
27:23 - Current Mutual Fund Portfolio
28:26 - Total Net Worth Breakdown
29:25 - His Stock Market Investing Framework
31:34 - Investing Mentality Disclosed
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Tune in for practical investment advice that anyone can apply, whether you're a beginner or looking to enhance your existing portfolio.

Watch the full video for more insights and inspiration!

Don't forget to like, comment, and subscribe for more episodes.
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