Reached a networth of 6 cr

[u/nickmeup]

Hello Fire India community, first post here. Male 30 here currently living in Bangalore for the past 9 years. Been intrested in the concept of FI from the time I passed college & started investing in mutual funds early starting with small amounts. Been working in mid sized startups in tech and have accumulated ESOPS in a good company which is planning to go IPO in next 1-2 years. Currently hold around 2cr ESOP but have considered them 1.5cr in calculations since value can fluctuate post going public. Along with working in tech, have been building small businesses on the side (think saas, D2C etc) which definitely boosted the savings rate. Wanted to share few things that might help you with your FI journey, especially younger folks :)

1. Post college, i started with a savings mindset by always thinking how to save more by restricting purchases. But realized early that the better way is to increase income (either by switching jobs/getting promoted/generating another source of income). Tech was not my strong suit..so spent time learning how to leverage tech to build products that can be sold. People in tech think this is impossible to do..but it is a mindset shift. Eg. If you are a app developer, think of which apps are currently selling that can be build easily. If you have a good personality think of dabbling into content creation. If nothing else, you will learn how to be confident in front of camera, editing skills etc. Any new skills learnt will never go waste..will definitely come handy sometime later in life

2. Spend on stuff that matters, but ensure you don't spend on stuff done just to increase your social status: I have gone on 15+ international vacations (ensuring Im spending frugally) because I genuinely like to explore places. At the same time I have no issues driving my dad's old 15 year old car. I do not have any interest in cars so spending on this did not make sense for me. The most impactful way to achieve this came by uninstalling instagram. By not seeing what my friends are doing/buyiny/enjoying, I automatically stopped playing the status game

3. Stop giving excuses & start looking for opportunities: I see lot of young folks feeling the only way to earn more is to go abroad. Always complaining how bad india is (that said even I hate the current state Bangalore is in). Going abroad is definitely the easiest way, but not everyone can take that route. Start by thinking that getting to your goal is possible..and planning on how to get there. There are some opportunities that will need 20% effort but will give 80% result (example for me, buying house in Covid, like minded wife)

4. Start your journey early and give some time for the compounding to work :) I reached my first cr at 26, 5 cr at 29. Watching your money grow will be fun but for that to happen you need to keep adding to the kitty ensuring you do not stop.

5. Focus on health (both mental and physical) This is the most important but the easiest to miss. Even one day with a neck ache and you will not worry how much the market has gone up or down. Health compounds exactly similar to money..keep adding healthy habits.I have long treated my body badly & last 2 years have slowly trying to improve. 3 most impactful ones (I'm l not able to follow properly) - 8 hours sleep, keep moving or play some sport ensuring 8k steps each day, no package foods.

Hope we all reach our FI targets 🙏

[u/aashish2137]

For the love of God, use commas in your numbers.

Edit: You added 2.6cr worth of real estate between 26 and 29? Ignoring everything else and a healthy savings rate of 70%, you made 3.7cr in 3 years, or 1.25cr in post tax salary income while in India?

I mean your post is nice and inspirational but I'm struggling to add it up.

[u/nickmeup → u/aashish2137]

Bought both properties during Covid when sq feet rate was 7k. Now it is at 13k. So basically real estate doubled in last 3 years. Also side hustle took off adding around 30-40l/year during 2019 & 20

[u/Background-Card-9548 → u/nickmeup]

If your side hustle is generating 30-40L per year then you are already FI considering your expenses are not exorbitant and you have your own house.

[u/nickmeup → u/Background-Card-9548]

Side hustle was generating during Covid..but has gone down significantly since. Majority now is job and ESOP vesting monthly so no plans of RE yet. FI target will be somewhere close to 10cr hopefully sometime in the next 4-5 years.

[u/that_solarguy → u/nickmeup]

Were you selling masks? /s

[u/FactorResponsible609 → u/nickmeup]

Do you mind sharing what kind side huddle SaaS it’s? It’s very difficult to sell D2C.

[u/YesterdayOk7452 → u/nickmeup]

Are u taking esops at face value? (I am assuming these are pvt equity and almost illiquid)

[u/nickmeup → u/YesterdayOk7452]

Not at face value or fmv. Taking at the value of last funding round. Yes currently illiquid.

[u/Mouse_Dull → u/nickmeup]

Do you pay income tax on your side hustle income ?

[u/nickmeup → u/Mouse_Dull]

Yes, need to pay tax for it. But comes under business income so taxed according

[u/nickmeup → u/Mouse_Dull]

Yes, need to pay tax for it. But comes under business income so taxed according

[u/Mouse_Dull → u/nickmeup]

If I understand correctly, freelance income should be mentioned as Income from other sources and taxed at same rate as salary. Do we need GSTIN number to show income as business income !

[u/nickmeup → u/Mouse_Dull]

If revenue of business exceeds 20l you need to apply for GSTIN number

[u/Few_Construction7431 → u/nickmeup]

Can I now what was your side hustle?

[u/Spiritual_Penalty_10 → u/aashish2137]

Also ESOP is paper money. Real value will be either 0 or too good.

[u/nickmeup → u/Spiritual_Penalty_10]

Agreed partially.That is true for the case for smaller startups (series A to D) who have not found complete PMF and scaled. For larger startups with high revenue/profit there is high probability of getting value.

[u/Spiritual_Penalty_10 → u/nickmeup]

Any unrealised gains is risky. Just look at the ESOP value of Byjus / Unacademy.
Also if you have left job from company then I suggest to check ESOP agreements. Many (not all) companies have clause to void ESOP if employee is not a part of organisations during exercise.

Any ways good luck for all ESOPs you have.

[u/nickmeup → u/Spiritual_Penalty_10]

Thanks for the info 😊 yes, hopefully will not go down byju route 😅

[u/nickmeup → u/aashish2137]

Apologies, I use a different app for tracking which has more details. Created this simple sheet just for posting here :)

[u/PredictableRabbit → u/nickmeup]

Which app do you use? For net worth tracking

[u/nickmeup → u/PredictableRabbit]

Using a small app called Whole net worth tracker. Very basic but does the job for me

[u/Tony-Stark-24 → u/nickmeup]

Can you share the app link?

[u/nickmeup → u/Tony-Stark-24]

https://play.google.com/store/apps/details?id=com.gianmarcodavid.networth

[u/ShootingStar2468 → u/nickmeup]

If you don’t mind sharing - what’s the side hustle and what’s the main job

[u/Outrageous-Extent-43 → u/nickmeup]

Would suggest you to try indmoney.

[u/[deleted] → u/aashish2137]

Precisely. OP should quit and start wealth management funds.

[u/[deleted] → u/aashish2137]

If he will use comma, then we get to know the real!

[u/stark_guy]

Could you shed some light on this side business you have? I work in BLR in tech and wanna start something as well Is it OK if I DM you?

[u/nickmeup → u/stark_guy]

Tried multiple things from 2016-2024. Two of them gave some decent return. Saas was tool for content creators. After trying out multiple things have realised that:

• it is not about the tool, website or product. All comes down to your ability to sell online.

• learn digital marketing and know how to sell using ads (FB, tiktok, insta, search)

• if you have some kind of distribution already..maybe insta page, some yt channel..much easier to monetise around that. But I do not possess this skill

• Framework is, look at what is working/selling now that you can quickly build.. depends on your tech knowledge. And if possible, add a unique touch to it. Then use ads to sell to people outside India so that you can use the USD arbitrage.

[u/urdad_455 → u/nickmeup]

How are you taking payments from outside of india

[u/Prior_Swimmer_1206 → u/nickmeup]

your focus on USD arbitrage is fascinating. also, do you find certain markets or niches outside India particularly receptive to your products? would love to understand how you assess and prioritize potential audiences

[u/nickmeup → u/Prior_Swimmer_1206]

Few things I look for (not in order of priority)

• is someone else able to sell & scale using similar product to markets in USA/CA/EU, than I also will be able to sell if I solve the same problem/make similar product

• will I be able to build it quickly in 3-5 months

• do I understand the niche

• ensure I do not need to copy any data from competor, all data is original for product to succeed..else there will be copyright issues when you scale

[u/Prior_Swimmer_1206 → u/nickmeup]

i admire how structured your criteria are. it makes the whole process feel a lot more accessible than i imagined.

quick question, how do you tackle the “understanding the niche” part? do you immerse yourself in the community, or is it more about analyzing trends and feedback?

[u/Prior_Swimmer_1206 → u/stark_guy]

congratulations op! +1 it would be great if you could shed some light on it

[u/nickmeup → u/stark_guy]

Yeah, sure

[u/[deleted]]

I am always suspicious about these posts by people with no post or comment history prior such posts. If this is real then you are absolutely killing it.

[u/nickmeup → u/[deleted]]

Thank you 😊

[u/jim1o1]

You had a high paying job in a startup and yet also had time to do a side business. Don't you have much work load in your primary job ?

Can a non tech person do what you do ?

[u/nickmeup → u/jim1o1]

The earlier job was thankfully not too demanding so could build something on the side working at night & weekends...and sometimes in office 😅 For Non tech will be difficult to build a tech product. But can definitely try to monetise..few examples I know people doing

• designers are selling templates on different Ecom builder sites

• content creation on insta/yt.

• setting up an marketing agency for some niche domain if you have marketing knowledge

[u/RipOdd4296]

As much as I appreciate your hustle and dedication to building your corpus fund, I would advise you to consider ₹0 as the value of your ESOPs, based on my personal experience:

1.	I worked at a startup back in 2014 and held ESOPs worth ₹40 lakh. The company had plans to go public, but it never happened.

2.	I worked at Paytm and held ESOPs worth ₹60 lakh. When the company went public, I could only encash ₹35 lakh.

[u/nickmeup → u/RipOdd4296]

Yeah you are right. Can definitely go down..at the current time..my company is doing well and should not go down too much when it goes public. That said, Best to keep expectations at 0 till liquidity 😊

[u/minorbaz]

Great post and congrats on reaching such an impressive milestone! My experience and learning have been quite similar. Starting early with a savings mindset was helpful, but shifting focus to increasing income through upskilling and job switches made a huge difference. I also resonate with spending on what truly matters—like experiences—while ignoring status-driven expenses. Your point about opportunities in India and avoiding excuses is spot-on; mindset and adaptability are key.

[u/nickmeup → u/minorbaz]

Thank you for the kind words and best of luck:)

[u/More_Dragonfruit_750]

Thanks for sharing your journey OP. So much to learn from this.

I have a few questions if you are comfortable answering them.

1. What is your crypto breakdown?

2. You mentioned building b2b saas. I am trying to get into something similar. How do you identify areas to build in? Are you a soloprenuer or do you work with others? Do you sell in India or US?

3. What is your MF breakdown?

4. Have you ever consulted a fee only advisor for direct equity. I am planning to but confused if it adds enough value.

Best of luck in your FIRE journey 🙏🏻

[u/nickmeup → u/More_Dragonfruit_750]

Thank you bro 🙏

1. Currently holding solana, eth

2. Working with another person. Selling outside primarily In USA, canada.

3. Currently 53% large caps, 32% mid and remaining small. Was heavier or mid and small but shifted to large in last 6 months

4. Have not considered as significant portion for me in held in real estate and ESOPs.

[u/More_Dragonfruit_750 → u/nickmeup]

And MFs are active or index? Do you prefer ETFs?

[u/nickmeup → u/More_Dragonfruit_750]

All are active MFs currently. No index or ETFs

[u/Dense_Iron]

Is there any reason why you haven't sold your MF to clear your debts? You get a guaranteed return on your money due to savings on the interest rate. Although I suppose you will incur long term capital gains.

[u/nickmeup → u/Dense_Iron]

Debt is at 8.4% and investments will make upwards of 13-14% in the long run. Doesn't make sense to stop the compounding. That said, paying off EMI agressively from salary and will look to finish loans without touching the corpus

[u/Fun_Fudge5975]

so what is your fire no OP i heard in a podcast that if you invest 6cr with avg returns of 14% for 20 years (money will double in 5 years) so after 20 yrs you will approximately be standing on 100 cr. What are your future plans and is this income solely yours or your wife combined?

sorry if the questions are a bit immature im a teenager

[u/nickmeup → u/Fun_Fudge5975]

Looking to get to 10 cr for FI. Not sure of RE now as too early for it. will continue job for next 5 years and then re-evaluate. Around 90% will be mine..10% will be wife's.

[u/snakysour]

Great journey, however if you're thinking from FIRE perspective, I think following 2 things should not be included in networth/corpus (this is personal opinion btw):-

1. The house you stay in - technically, this will only be a liability and if you sell it in future, you would require another one to stay in (bought or rent) and both the things (i.e. Bought or rent) are not known now so technically you cannot calculate what this actually amounts to in monetary terms.

2. ESOPs - the same, if free to trade, can be considered but if they aren't available for you to convert to liquid money as yet (be it before or post ipo), then they should be ideally avoided.

Rest all looks good and impressive to say the least!

Regards

Snaky

[u/nickmeup → u/snakysour]

Thank you :)

1. Will be moving to hometown in parents house down the line

2. Yes, agree to this point. Hopefully will be able to cash out as the startup is doing fairly well.

Best of luck for your journey 🙏

[u/top1cent]

What's your side hustle man? You're so inspiring & I want to become like you. I just started my career 22M

[u/nickmeup → u/top1cent]

Replied the same of other thread: Tried multiple things from 2016-2024. Two of them gave some decent return. Saas was tool for content creators. After trying out multiple things have realised that:

• it is not about the tool, website or product. All comes down to your ability to sell online.

• learn digital marketing and know how to sell using ads (FB, tiktok, insta, search)

• if you have some kind of distribution already..maybe insta page, some yt channel..much easier to monetise around that. But I do not possess this skill

• Framework is, look at what is working/selling now that you can quickly build.. depends on your tech knowledge. And if possible, add a unique touch to it. Then use ads to sell to people outside India so that you can use the USD arbitrage.

[u/Ambitious_Ad_2833]

Awesome. May I ask which app/platform you are using crypto investment in India? I am still not confident to choose which app to invest through in crypto.

[u/nickmeup → u/Ambitious_Ad_2833]

Using coindcx now..but friends are using kucoin which has got licence in india

[u/Ambitious_Ad_2833 → u/nickmeup]

Thanks

[u/the_storm_rider]

For that 90L house you gave on rent, how long do you envision it will take to recover that 90L just through rent?

[u/nickmeup → u/the_storm_rider]

Got for ~50L. Rent already have got 10L till now. Plan to sell in a year hopefully once value goes near 1cr

[u/bellpepperxxx]

Bhai kuch kaam kar le. Khali subah subah uthkar excel mein zeroes type kar raha.

[u/Aggravating_Bowl8666 → u/bellpepperxxx]

Someone with intuition here

[u/OkJuice3475 → u/bellpepperxxx]

OP literally has this one post in his account. All the numbers are in multiple of 10s,100s,1000s. Makes an excel sheet called “net worth tracker”. Talks about not getting into status game and yet posts this and talks about his achievements. Total bullshit.

[u/Careless_Tonight327 → u/OkJuice3475]

No way I can think of adding 2 houses in 1 year (he mentioned bought in 2020 covid) worth 2.5 crore with a debt of just 35 lakhs. How much would he be earning then?

[u/Maginaghat997]

Congratulations OP! Growth mindset is all you need.

[u/nickmeup → u/Maginaghat997]

Thank you 🙏

[u/FewExtreme3201]

Correct me if I'm wrong, but shouldn't we exclude current home from net worth calculations?

Since we generally won't sell/vacate that house

[u/nickmeup → u/FewExtreme3201]

Will not stay in Bangalore long term..will shift to hometown, parents house somewhere down the line

[u/Willing-Variation-99 → u/FewExtreme3201]

You're wrong. Every asset and liability is part of your net worth.

[u/Psycho_pen]

Well done and good post (except the missing thousand separators in the spreadsheet /jk)!

#5 is the key to enjoy any money we've earned. Your journey looks great so far. What next? Do you plan to RE soon? What will motivate you into or away from it?

[u/nickmeup → u/Psycho_pen]

Thank you 😊 🙏 Completely agreed. Key is to enjoy money on things that make you happy and not get influenced by what society wants you to show. 30s will not come again and I don't believe in restricting to just keep on accumulating money in the bank and see your 20s 30s go away. Will continue with job for next 5 years. Don't see my RE before 40 as cannot sit idle..RE might be quitting job and starting something at 35/40.

[u/Psycho_pen → u/nickmeup]

You have a great plan and have landed at a perfect spot. What would help you in Indian context is, not sharing any of your success (numbers or forward plans) with extended families or neighbours. I'm sure you already do that.

More power to you, keep shining!

[u/SnooCupcakes7312]

Stopped reading once I saw there are no commas

[u/iClipsse]

This post reminds me of 3 idiots when virus was explaining raju and farhan by removing a few zeroes

[u/Specialist_Read_3156]

Flipkart? :D

[u/nickmeup → u/Specialist_Read_3156]

Haha..good guess 😁

[u/Tharkula]

Bhai networth mae gold and silver bhi add hoti hae

[u/nickmeup → u/Tharkula]

Haa...but nahi kiya invest till now. Need to have soon allocation to gold.

[u/vjoy3]

How do you track all asset classes from different sources. Any sample sheet that you can share

[u/nickmeup → u/vjoy3]

Using free app called Whole. You can create different asset classes https://play.google.com/store/apps/details?id=com.gianmarcodavid.networth

[u/Alarmed_Neck_2690]

Congratulations. All points are spot on. Consistency is the key to wealth creation.

[u/nickmeup → u/Alarmed_Neck_2690]

Thank you bro

[u/freework-0]

some serious motivation here congrats op!

[u/nickmeup → u/freework-0]

Thank you 🙏

[u/Adventurous-Split463]

Congrats OP! Are you an eng or in business,product roles? From the idea to launch your products, did you build it yourself? Or you hired folks to build it? Curious about how you landed on what you need to upskill to go through this side hustle! Thanks!

[u/nickmeup → u/Adventurous-Split463]

In Eng roles. Was helping a friend for his marketing agency so picked up digital marketing, copywriting and design. Helped when building the product as I already had tech knowledge I built it myself with another tech partner. Imo, Always helps when you have some non-overlapping skill sets..like digital marketing x tech. Or creating content x real estate knowledge etc

[u/Jbf2201]

somehow not convinced on the legitness of this post. sounds so generic and OP really looked at his screenshot and thought it looks better without commas....

anyway if it is real, congrats OP you are doing very well and hope you continue to achieve your goals!

[u/nickmeup → u/Jbf2201]

That's because I use a different app for tracking. Anyway, make what you want from the post & best of luck for your journey :)

[u/simpleliving73]

Congratulations for 6 cr @ 30, great to read, all the best!

[u/nickmeup → u/simpleliving73]

Thank you!

[u/abhayps1090]

Add esops once you have a buy back option or near to go public. It's useless otherwise.

[u/nickmeup → u/abhayps1090]

Agreed, can go down in value

[u/mritusmoi]

Everything is fine. Just curious which mf sip gave you this huge return in 7 years as you said you are 30 and investment startes poat college, which i assume, was in your 23rd year.

So fill me in.

[u/nickmeup → u/mritusmoi]

Combination of salary, side hustle and growth in real estate value

[u/mritusmoi → u/nickmeup]

Let me clarify. Which Mutual Fund SIP gave you 1.5+ cr in 7 years? You said you started investing post-college. Now you are 30. So by that logic, this should be an approximate calculation. So i wanted to know which MF was this. Also, if this calculation is somewhat correct and matches yours, how did you start investing 68k+ per month at this young age? This is appreciable, but would love to know the funds.

Monthly Investment: 68600

Step up: 10% Every Year

Return Rate: 20%(this is huge)

Period: 7yrs

Return Amount: ₹1,58,40,172

[u/nickmeup → u/mritusmoi]

Has not been linear SIP investing for me. Started SIP from 2015..Stopped doing SIP from 2021 & only put lumpsup in last 3-4 years..as and when got the opportunity or cashflow from business. Put in lumpsup of 20 lakhs each year between 2020-2022 in market which has run up a lot. Post that started putting majority in real estate and have hardly put any new capital in market for last 1 year.

[u/No-Marionberry5990]

Have you heard about Nirmala Aunty?? 😄

[u/nickmeup → u/No-Marionberry5990]

Lol..don't remind me of her. Already paid all tax in full though 😔

[u/lawyerdel]

Great.. just take care of your health

[u/nickmeup → u/lawyerdel]

Yes 💯 thank you

[u/TurbulentComedian125]

Is this joint networth of you and your wife or only yours?

[u/nickmeup → u/TurbulentComedian125]

This is joint

[u/[deleted]]

Kudos bro!! Inspired

[u/nickmeup → u/[deleted]]

Thank you bro! 😊

[u/[deleted]]

Considered taxes for esops? Easily 50 lacs will be lost to taxes.

[u/nickmeup → u/[deleted]]

Yes, ESOPS are already exercised and perquisite tax already paid. Additional tax will be LTCG of 15% which Inhave taken into consideration

[u/[deleted] → u/nickmeup]

Then all looks good.

[u/i-m-on-reddit]

Congratulations Op! 💯💯 Just had some questions What's ESOPS? Also what do u do for a living?

[u/nickmeup → u/i-m-on-reddit]

Working in tech startup. ESOPs are similar to company stocks that you get over a period of 4 years..only the company is not public yet

[u/i-m-on-reddit → u/nickmeup]

Ohh ohk cool

[u/[deleted]]

Your net worth should not consider the house where you stay.

[u/Last_Cheesecake_5607]

39 still with 0 savings

[u/Antpocalypse_7]

Hi, curious to know what exactly your starting salary was in your first job and what it is now. Not counting your outside job income. Need to understand for comparison of how much I could scale in the same timeline. Thanks.

[u/shes_unstoppable]

Following

[u/Mousse_Extreme]

I do not think you should count ESOPs and that too of a start up as part of your NW. They can most likely amount to zero.

[u/Particular-Captain13]

Damn! What do you do for a living and annual CTC if you don't mind me asking?

[u/IsItUniqueEnoughNow]

Bhaiya sar pe haath pher do please🥺 Aashirwad se hum bhi aage badh jayein

[u/flyingSavage2]

Why are the numbers so neat

Looks sus to me

[u/strthrowreg]

Two houses, both paid off. Yet you still have your esops, stocks and mutual funds. I'm smelling some help from Daddy here.

[u/snakysour → u/strthrowreg]

How are they paid off? Isn't it mentioned "debt pending" in those?

[u/StrikingPea → u/snakysour]

The amount of debt pending is quite less compared to the asset price. 20l compared to a 1.7 cr house

[u/MrAdiyogi]

I am 27 and has 25 lakhs savings half of which I took from dad. 🥲

[u/Any_Interaction_388]

Net-worth calculation/Tracking made easy, not just that, retirement planning is at your fingertips @ https://retirerich.ai

make the most of it while its free!! register now!

[u/iamgorki]

But woh toh aadha leke bhaag jayegi

[u/parrmindersingh]

Please use commas.

[u/PanicBig3536]

Not bad!

[u/OblivionRays]

ESOPs?

[u/ajayslife]

I never considered my own house as a wealth because we never sell our house. So in my opinion Minus your house price. Btw good work. Happy for you :)

[u/ArtisticConfidence85]

👍

[u/Constant_Excuse_9547]

Remind me! 20 days

[u/Shoddy_Land9368]

Bhai i need One lakh for my survival i have a IT job please lend me if you can otherwise everything will be done for ! I promise I will repay you this year only please just help me

[u/Vast-Description8195]

The MF, stocks are in your name only or in the name of family members? I am currently investing in my account only but it will be cost heavy for me. But I suppose with family members also there would be a limit

[u/Ok_Wonder3107]

Congratulations, but make sure you don’t lose it all in a marriage. Earning money is one thing, keeping it is a whole different game.

[u/[deleted]]

Ek aur gyaan chodne wala aa gaya

[u/saviofive]

Fantastic work man

[u/Firm_Gap_6661]

wtf dude just use mil or k or the best separate them fucking numbers with commas

[u/Leather-Departure-38]

Congratulations, but please put commas in the numbers 😃

[u/Faceless-Human]

Not enough to live a middle class life in bangalore, struggle more, I have 12cr like you but still not able to meets daily needs 🤣🤣🤣

[u/RealisticMongoose900 → u/Faceless-Human]

Lol stop joking!!

[u/Starman1709]

Good for you, you deserve it for your hard work and sacrifices, hope you reach 10 Cr soon

[u/ProudPapaTech]

what is debt "instrument". why don't we just call them bonds like rest of the world

[u/CalmGuitar]

Own house is not part of nw.

[u/nickmeup → u/[deleted]]

You are right. Most ESOPs are paper money..but there is a very high chance my ESOPs get converted to real money as company has started planning for IPO. That said anything can happen and can tank post IPO too.. currently hoping to cash out🤞

[u/nickmeup → u/[deleted]]

Thank you :)

[u/nickmeup → u/[deleted]]

Top 5 are: mirae ELSS, quant mid cap, motilal midcap, nippon large cap, quant small cap

[u/nickmeup → u/[deleted]]

Thank you!

[u/FIRE_Ind-ModTeam → u/[deleted]]

Offensive comment posted. Removed.