In this inspiring episode of “How They Made It” by Groww, we sit down with Ravindra, who shares his incredible journey from a cautious “plan for survival” in 2014 to achieving financial independence with a goal of ₹10 Crores by 2023.
Ravindra opens up about how a layoff threat sparked his disciplined investment journey. Starting from ₹0 inheritance, he details his strategy for wealth creation:
• The Two-Account Rule: Learn his structured approach to separating daily expenses from investment funds.
• The COVID-19 Market Dip: How he responded to his portfolio value halving in a month and how this event redefined his retirement goal.
• The Power of Stocks & Multi-baggers: Hear his philosophy on stock market belief and how he picked over 20-30 multi-bagger stocks.
• His Current Portfolio Split: Discover the 50:10:25:15 strategy—covering stocks, mutual funds, real estate, PF, and cash.
• Passive Income Strategy: He reveals how he generates ₹10-15 lakhs per month through dividend yield stocks and strategic option selling using pledged assets.
Beyond finance, Ravindra talks about the newfound flexibility in his life, his passion for painting (even winning a national prize!), and how his financial freedom has brought more time and relaxation to his family.
💡 Ravindra’s Mantra: “Anybody can become financially independent, irrespective of the salary that they’re earning, irrespective of the age or the job that they’re doing—with a disciplined way of investing.”
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