My Plan for ₹3.5 Lakh/Month Passive Income

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In this episode, we sit down with Ripan Dutta to unpack a practical path to Financial Independence. At 31, he has built ₹5 crore in 6 years and is halfway to his FI target.

He breaks down –
1️⃣How he set a ₹3.5 lakh per month passive income goal.
2️⃣The simple math to back-calculate corpus needs using risk-free post-tax returns.
3️⃣Why focusing on income growth beats chasing an extra 2 to 3 percent returns?

We cover his –
1️⃣Shift from tax-saving only investments to aggressive SIPs.
2️⃣Current SIPs of ₹2.5–3 lakh a month.
3️⃣Diversified mutual funds with global exposure, direct stocks, a measured crypto sleeve, and ample emergency liquidity.

He also shares hard-won lessons on ESOP documentation, why he rents and does not own a car or a house, and how he spends guilt-free on health, fitness and slow travel while still compounding toward freedom.

Guest: Ripan Dutta — https://www.linkedin.com/in/ripandutta/

CHAPTERS:
[00:00] Highlight
[00:58] Why a ₹3.5 lakh/month passive income?
[01:38] Corpus Calculation
[02:37] Early Career & Investment Journey – SIPs, Salary Hike
[05:24] Current asset allocation
[06:11] How to make money with ESOPs?
[07:29] Investment Plan for ₹5Cr to ₹10Cr Journey
[08:39] Life after hitting a ₹5 crore net worth
[11:19] Thoughts on YOLO Lifestyle
[13:12] Advice for people to achieve F.I.R.E
[14:18] Wrap-up & thanks

Disclaimer: Mutual Fund investments are subject to market risks. Please read all scheme related documents carefully before investing. Past performance is not an indicator of future returns.

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