How Did She Make ₹5 Crore Networth? | 1 % Life

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Introducing Mrs. Malathi KS, the Director of Rewards Consulting at Mercer, who has unlocked the path to financial freedom with a net worth of ₹5 Crores! Residing in Bangalore, she's a true Real Estate virtuoso, with savvy investments in lands across Tumkur, Mysore, and beyond.
In today's exclusive episode, we uncover the gems:
💰 Malathi's journey to wealth
🚀 Her career kick-off at Bosch
💍 Financing her own marriage - now that's empowerment!
🏡 Real estate triumphs and strategies
👩‍👦 Why she prioritizes transparency about money with her son
This is a must-watch for anyone seeking mind-blowing insights into financial success! 🚀
Watch the full video and share your thoughts in the comments below 🗣️👇🏻
Subscribe:
The 1% Club:
KZbin : / @onepercentclub12
Instagram: / onepercentclub
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Sharan Hegde:
Instagram: / financewithsharan
LinkedIn: / sharanhegde95
Twitter: / financewsharan
Malathi KS:
LinkedIn: / malathiinaction
#onepercentclub #financialindependence

[@onepercentclub12]

🔴Have you cracked the code to generating wealth💰 with little or no efforts? Let's sit and decode your personal finance journey on The 1% Club KZbin channel together. We just have 2 conditions: - You reside in Mumbai or are open to coming to Mumbai - You are happy to talk about your finances on camera Fill the Form Now! 👇 forms.gle/Fqkq7tRzvc5AyB1P9

[@AnjikaSarkar]

Hello my dear, We are looking for promoters who can advertise our platform please let me know how can we contact you ?

[@Cooperisbooed]

My granny came to Bangalore with 5rs. At 18, she had 2 daughters and lost her husband. She worked at people houses, studied 10th, then got a job in a nationalised bank. She bought a house at 75k in Rajajinagar worth around 2.5cr today and 60*40 site at 1lakh in 1992 around 2.5cr. Invested in ipos worth around 1cr today. She gets pension of around 40k a month. So overall worth around 6cr at age 90. Starting at 5rs. She retired at 10k a month salary, paying 100rs interest in an emi of 500. Literally works to be 20% interest rate

[@mohaniyer5800]

What a braveheart ❤ She has powered her way through life!

[@FairGosling]

Managing money is different from accumulating wealth, and the lack of investment education in schools may explain why people struggle to maintain their financial gains.

[@RitaMeyers-oc4le]

This is very true. I believe investors should exercise caution with their exposure when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or trusted advisor in order to navigate this recession and achieve potential high yields

[@BigCheckerC]

@@RitaMeyers-oc4leYou are right about this

[@BigCheckerC]

A lot of people don’t seem to understand that Venturing into the market without professional help or insight and expecting to turn a profit is like turning water into wine, you would need a miracle.

[@AdvikKumar-fi8nr]

Haha😅 .. I think that is a brilliant idea, I tried managing my stock portfolio myself and I lost almost 50% of my savings in a very short period. That prompted me to hire a financial advisor. Since then, I have made up to $350k in returns.

[@AdvikKumar-fi8nr]

Consider diversifying your portfolio with a mix of stocks and stable assets. Seeking professional advice now could provide valuable insights and strategies to navigate market uncertainties and protect your investments.

[@ammathikiran9666]

Good insights and financial journey...however host keeps interrupting even before the answer starts...lots of broken threads..can allow the guest to elaborate and keep continuing

[@rohitmadashri7250]

Thank you for the video Sharan. Couple of suggestions: 1. The camera seems tilted, making you look like a giant. So be mindful of seating positions. 2. Please let her speak and finish her thoughts, otherwise it feels like a cut and dry choppy interrogation rather than a conversation.

[@jatinmalik9370]

Bring guests who are comfortable sharing their numbers ONLY

[@sunilnair265]

True

[@SivaEpic]

No use. Suggestion 2 given multiple times but no improvement. He is pretty poor in interview guests.

[@NoName-bb2pu]

She does seem like a very short person, because Sharan himself is like 5'6 odd

[@ashwathbhide6442]

Main thing is you should have a high paying job.. everything else is easy 😂❤

[@balajisrinivas1554]

Very true that's step 1 😂

[@pavanyuva011]

That’s not true . Many people are having high paying jobs but don’t know where to invest . That’s even my problem

[@chetanmk5580]

This is true.

[@lakshnaramesh9733]

​@@pavanyuva011 Look, everything has few exceptions, likewise they don't know where to invest is not that big deal to change that can result in financially great life If they don't know they can simply invest in Nifty 50 which delivers 12.5% + 1.50% (Div) = 14% CAGR over a period of 10 years, hence not knowing where to invest their money is not an excuse or proper exception

[@kandarpghag2360]

More than a high paying job I'm wondering how has she been able to get a minimum hike of 30% and going up to doubling her salary every 2 years after the Infy Tech job 👌👌

[@mrunaldeshpande8972]

Please bring more such women with whom we can relate. Bringing financially free women especially gives us boost to girls like me. Relatibility factor is immense.

[@onepercentclub12]

We are happy to help. Stay tuned! We have lot of new things coming your way!

[@RealRock9460]

Suppose the husband earns a package of 5 crores per annum being senior partner in KPMG, PWC, Delloite and E and Y.

[@shilpamurthy8105]

One big suggestion to the host - please dont interrupt while your guest is speaking! First its outright rude and they break the flow! And its an irritant to your viewers too!

[@kssntsh]

@Malathi was my manager in my first 1st Company Infosys BPO, she is an amazing person, she contributed to my professional journey a lot in giving lot of good Opportunities to grow.. Freedom to express my thoughts and I am still in touch whenever I need professional guidance.. Thanks Malathi K S

[@t00862]

These are the kind of stories we need. Kudos to you Sharan. More of these please.

[@kandarpghag2360]

I think the way tells her kids about money and the concept of money is great. It's an education that we don't get in schools, the investment and appreciation or depreciation of an asset which we actually own. As opposed to learning in Accounting class. 👍👍

[@AkshayKumar-gp7lk]

Sheer respect to her…she is an inspiration. Not just for her struggle financially but for the ideals and grit she stands for.

[@desiTravelerOfficial]

This is a beautiful episode..... The happiness she still feels talking about the holiday she took after her first big deal :)

[@maheshdewani547]

धीरे धीरे रे मना धीरे सब कुछ होय माली सीचे सौ घड़ा रुत आए फल होय। ❤

[@chiluxr250]

This is truly heart warming story. A genuine lady for sure. Respect her totally.

[@arjunbs86]

Incredible to hear your story. We hear about the multiple crores that people make, but we rarely stop to think about what they gave up or went through to get there.

[@FifthArima]

listening to her speak was so soothing. She has come a long way, huge respect to this lady. Also shout to everyone who have braved and stood the tough times in life. Always remember , Tough Times dont last Tough People do !

[@narenreddy5647]

Her real estate property is giving 3-4% rental yeiled but asset is also growing at 7-8% ..which makes her net returns 11-12% + sense of pride and respect is intangible for a beginner like her.

[@siddharth0401]

After hearing her story, the real success i feel was for infosys to make someone work for 18 hrs paying a salary of 10 lakh and keeping the face of integrity, high morale standards and middle-class values intact and motivate other like minded middle class to respect the company and spend majority of their personal time in building this great company so that the company can pay a small token of dividend to show their affection for the grand children in bangalore or london and yet not able to see your own children grow, this is the real success story my friends, more power to the middle class values, mutual fund sahi hai

[@nK-ph6zv]

Nahi be. Without IT companies like infosys, wipro, TCS, our country would’ve never become a technology hub it is now. Middle class would’ve had to grow crops or host tourists to survive. India is a developing country because of the services sector out of which the main contributor is IT.

[@siddharth0401]

@@nK-ph6zv You are so guillble, docile and innocent, you are the ones they like to in doctrinate with news articles, motivating talks and interviews, India has survived centuries and would hv done well irrespective, and btw why did these companies could never migrate from labour arbitrage models to being innovators in last 40 years, what prevented them from becoming a nvidia or Google was that they couldn't think beyond billing clients by hours and taking up shitty work, sure it brought some low level of employment but imagine what they could hv done but failed to do with their size and the longevity, anyway they fooled a whole generation of Indians with their sweet talk, so called frugal mindset of not paying on par and then horde money, great middle class values

[@smartbinit2]

Strong and determined women. God bless her 😇🙏

[@divyadj6092]

Very insightful Malathi!!

[@thelatestobssesion]

This is a great insight into to real estate and what it means for us youngsters going forward.

[@samcreedy44]

16:00 Theeeee most important thing to learn as parent. Absolutely a gem statement.

[@getkgp]

Hats off madam. Great journey you had and achieved financial freedom.

[@cherusseril5106]

Incredible journey of a resourceful woman, who has taken on limitless responsibilities in her life. Kudos to Sharan for bringing such people to this platform and inspiring many. One small doubt. Is she a single parent?? No reference to her man in the entire episode. In that case, she is an extraordinary woman who can shoulder even higher responsibilities in future 🎉🎉🎉

[@akashsharma1134]

Such a great soul this woman is ❤

[@sumantachakraborty172]

GOD bless her with all the happiness in the world. She’s responsible and a true brave heart. Seen so much in life but still have great conviction. Kudos to her.

[@varunkumar-cy8bt]

Had a smile throughout the video , What a Braveheart :) . Malathi must be a kannadathi . Include more stories of Bangaloreans

[@Zaphaare]

Her preserverance is very inspiring. And although it's in retrospect and those tough times are behind her she doesn't seem to have any bitterness about the struggle, instead she appears to and rightfully so be proud of the challenges she's overcome. Kudos to you ma'am.

[@rohitjoseph3868]

What a journey. There’s no such thing as quick money. She worked hard and waited for her time to come, patiently. She made some mistakes along the way- but made those decisions only for the best of her family. I did notice something though, no mention of her spouse. But that is besides the point. Kudos to her. You don’t always have to make a fortune, making a living is just as fine.

[@madan314]

Thanks Sharan for such a diversified mix of content you plan to bring to us! HR mam good luck with your plans and thanks for your time to come openly and speak up!

[@abhijitsahu7846]

A great thanks for bringing this video on your podcast.Really nice inspiring video....

[@jayasreedevineni1679]

Thank you Sharan for making such useful video. Saw for the first time this kind of much needed video. Many would learn a lot. Shall wait for more inspiring videos from you

[@krishnanvenkatesh487]

5 crore net worth with real estate is not big deal nowadays and more than 1% of population will have more than this

[@nakulm964]

If you start from Zero, its an amazing accomplishment

[@samcreedy44]

easy to talk when one is born with a golden spoon in their mouth.

[@gaurav66772]

How much is your net worth in that case ??

[@Cooperisbooed]

My granny came to Bangalore with 5rs. At 18, she had 2 daughters and lost her husband. She worked at people houses, studied 10th, then got a job in a nationalised bank. She bought a house at 75k in Rajajinagar worth around 2.5cr today and 60*40 site at 1lakh in 1992 around 2.5cr. Invested in ipos worth around 1cr today. She gets pension of around 40k a month. So overall worth around 6cr at age 90. Starting at 5rs. She retired at 10k a month salary, paying 100rs interest in an emi of 500. Literally works to be 20% interest rate. I understand what you are saying

[@vicky2rap]

Typing here is easier than done .

[@mr.maniket8959]

She is 50 yrs old.. and she started her work at 19

[@ullasshivakumar]

I am from Tumkur, I agree land prices are skyrocketing around Tumkur but can’t believe 25L becoming 1.5CR in 3yrs. I can say max it has doubled in 3yrs for a agricultural land considering lower prices post covid

[@sandeepkhokher]

I believe, in her mind, she is telling the registration price as acquisition cost.

[@ullasshivakumar]

@@sandeepkhokher possible 😂

[@reakulapallysuresh7163]

Possibly iam reading her mind

[@uncommonprofit7433]

Great journey from - negative networth & difficulties during youth to 5 cr .

[@seekertruth72]

she is hard working and learned from set backs. Being in Banglore her hard work paid off. Made a right decisions of changing jobs at right time. Good learning

[@CBPACHIVERS]

Very interesting and connecting story Please bring up similar story as many are in IT industry

[@debchak27]

12:00 gives me chills ... that process / thought of losing life catches up ..

[@ashvinn15]

Kudos to ma’am 👏🏽, always appreciate self made ppl , you can go higher than this

[@arjunps6776]

Highly illiquid net worth. Real estate investors throw around big numbers which you cannot check as there's no centralized market or regulation. RE investors never talk about CAGR too. They talk only in absolute terms. I appreciate her journey of having started with nothing and now having some assets but allocation of those assets is still stuck in the 90s.

[@magdub33]

Real estate worth is not a factor to retire or feel comfortable. Her income of 40k only to be accounted.

[@chetanshukla768]

Also it takes a lot of network and connections to invest so heavily in real estate. So many people fall prey to scams and frauds even with the renowned builders. This interview seems to be exaggerated.

[@shanthiravula2657]

A lot to pick from her journey Invest in yourself ( learning) only by increasing your Income you can achieve financial freedom By the way she presented herself we can say she didn't increase her spending habits as the income grows. The best thing is she is transparent about finances to children .teaching kids about thier financial situation and also educating them in a right way is the best thing you give fir thier future .

[@mesharath]

The numbers dont add up. What ever she says her income and expenditure was, they dont seem to add up. Her high paying Job now will ensure that she can now achieve financial freedom. The journey is just starting

[@DpakSharmaNoida]

Respect to this Lady

[@saviocorrea6159]

Takes guts to tell the world, hats off to simplicity

[@ViviDhairya]

Finally human like us more relatable awesome content 💃👍

[@ashwiniprabhu735]

Salute to the lady ❤ Such simplicity 😊

[@DrKallalPramanik]

Very inspiring!

[@LunaBose]

Nice initiative. Inspiring .

[@mayanknafde2423]

What a journey! insipiring! Hats off ! :)

[@cherylhills3227]

Very informative video you have, I have been able to understand the messages you pass but there are some other challenges that may come about when taking some other risks or planning

[@TheDuke792]

I don’t think anyone that has dedicated time,money and efforts to scale to new net worths in whatever field of investments hasn’t reach some of the challenges that you would face personally.

[@JoshuaEdson22]

My brother has been able to help with such issues through a CFA he was able to link me up with. Since hiring my advisor? It’s been better handling such financial turmoil that may happen

[@RobertDamanii]

Oh yeah! You can definitely say that, it does worry me a bit, but not as much as it would worry the average guy, my investment portfolio has survived a couple of recessions unscathed, been privileged to be guided under the stewardship of an extremely gifted investment manager by the name Eric Paul Elmer

[@JoshuaEdson22]

Sure.. ERIC PAUL ELMAR has a really unique gift of being able to looking far ahead down the road to spot future investment portholes and possible major mishaps, so he helps me make the safest investments and also helps me hedge all my investments against possible future downturns

[@RoseBalerus]

Ok… I’ve been able to do some research on the Web and I found his site, he has his license so that’s reassuring

[@ahmedgaziyani]

Mam You have a angel heart.. you will surely prosper.

[@ravirajsudha8228]

Very inspiring life journey. In the sale of real estate at various points in time, how did she manage the capital gains tax angle.? It must have taken a lot of planning to match sale of real estate at the right price and buying the right real estate within the specified time limit. Kudos to her.

[@mokshmahajan6340]

Very inspiring and strong lady 🙏🏼

[@subhiksharao1421]

Very insightful video! Hoping to see more interviews of her and gain more knowledge :)

[@onepercentclub12]

Glad you enjoyed it!

[@tamilosaitamil4132]

Unbelievable. Inspiring Man😮

[@Happysoul_3]

Kudos to the lady who started from scratch its a great achievement🎉 my god she worked more than 15hrs its too tough😢 This tells how terrible decision is for people who think of living in rented apartment till 60. Buying a home around your retirement is an expensive bet.

[@nandach2853]

Wow! Malathi.

[@bindudinesh2948]

Amazing inspirational vlog Sharan . Please do post more and more such vlogs love them ❤

[@neeladamodaran761]

Great sis, great going

[@mdpandey9629]

Good last words I liked also ❤❤❤

[@vkay121]

great content Sharan.. as an audio engineer i got to let you know that the mic is pointing all wrong but it worked out ok in the end.. but have the setup guy learn about microphone placement pls ;)

[@nagangks7486]

Excellent Growth🎉

[@pavanjoshi1]

Kudos to mam. Thanks Man.

[@swaynecruz]

Hats off to her, she is a amazing

[@onepercentclub12]

She is indeed!

[@sudhanayak1293]

Hi sharan I am a housewife I have investment in equity and get a passive income that of a software engineer. I am investing since 1990 . I enjoy life and keep investing in equity and no fixed deposit. No trading only buy and hold stocks . This is not having any real estate

[@jayeshpanicker1400]

Your on the right track invest more on mutual funds ex nifty 50 direct growth

[@t00862]

Wow

[@bhavya7469]

How to do that more details pls

[@Bigbull683]

Bro let her speak don’t act over smart

[@preetheshdsouzapreepro9042]

Having a background in music & sound, the mic placement seems to be slightly off, hence, the mics can't pick up the full bodyof the speaker'svoice. These aren't podcast mics to be facing the top side to the speaker.

[@highnitin]

loved it ♥

[@deepah7020]

Awesome episode

[@onepercentclub12]

Glad that you like it! 🙌 More such episodes coming every week! Stay tuned!

[@dayanwarsi616]

mad respect for the lady!

[@bitwamet]

Keep up the good work Sharan keep bringing these videos

[@satishchandraks7492]

Best conversation for youngsters to analyse their future according to their current status, outside world whats going, what to choose what not to, eye opening.. bt by small corrections she can do more possible opportunity in investment choices which she may awaken later stage i too hope.. Any how dare one to go n get, khuddhos u both sharan n ma'am. 💕🎉👍🌿🌹

[@ashokpillai3015]

Women power..journey of persistence, hardwork and empathy

[@Inspector1987]

Avdhut Sathe ads are more like opening ceremony of CWG or Olympics Game.

[@ducklinasmart6822]

What a winner.❤

[@vadivelupandian7488]

Not mere an interview. She could reach bottom to high in a humble background. No male member behind her. The way in which investment is being made is not appealing. But other respect, it is highly emotional and inspiring.

[@GetYourselfALife]

Wait, give me a break. How on earth retiring with 1 Lakh in early 90s from a job in HMT is considered to be starting life from minus 2. You may not have been filthy rich, but you were rich. You had that privilege. Acknowledge that for god sake.

[@maheshmoharir9314]

Agree. Stopped watching this shit from this point.

[@TheCuriousCurator-Hindi]

Yup. 1 lac is a lot. You get a nice house in 1 lac in 1990.

[@karth12399]

Agree

[@raviteja153]

Hi sharan This is raviteja I am from tumkur.. And really surprised by listen from her that 25 lakhs is grown to 1.5 crore in very shorter span Can I know the exact location where she has bought that land in tumkur Thanks for your help

[@mysticz5478]

Loved the video

[@anaghar8582]

What a journey

[@Milan1262]

The value of a plot is pseudo quoted value. Transacted value easily be 50% of that

[@vasav47]

same story my father was in HMT Tumkuru and all gone south i ll tell all the stories around there :D

[@crownkunal]

She made some good decisions on the way. Plz share more independent women stories

[@shubhamgrg04]

Hats off to her!

[@talk2yuvraj]

If only there was a software that can help me skip interrogative questions and just listen to her talking.😮

[@ManoranjanP2023]

My question to society is: After achieving significant financial success, how do individuals contribute to society and the environment? If they do not make such contributions, what then is the true purpose of an individual's life?

[@nandach2853]

They were a group of young girls with responsibilities in their teenage. Almost all of them have come up the hard way. Please do not make snide remarks. This was one chirpy chirpy girl who has made it big. Not everyone can do.

[@deepakrautela9594]

Her communication is good

[@uttiosaha4692]

Good to hear a lady from Zero to One ❤

[@dr.manojpatil8289]

🤝

[@dr.manojpatil8289]

🤝🤝🤝

[@prabhudattarapelli3954]

Main thing in this video She changed company quite often that is the reason she got that much salary at the end and she is investing her money wisely in real estate then selling when time comes that also a great decision so far it is excellent meanwhile building a house for parents.it is also great

[@ravichopra4482]

Working in Govt since 2009 Compensation changed from 19K to 69 K in 15 years .What growth do we get.

[@zenneosen1]

Her Husband would have shared household expense with her. If not it's difficult to save the money which she did, could have probed how much was the percentage of money she saved from her Salary. Other than that, it's a good interview which gave insight into how people hustle their way in India despite govt taking almost 3-4 months of your salary every year in the name of tax once you cross 10 LPA.

[@RandomHindu]

Amazing Journey Job change is the key ❤

[@celesty42]

In 2010 she was earning about 1 lakh per month means in 2024 it is around 2.23 lakh i guess 🙊🙊 She must be very talented and hardworking 🙏🙏

[@mallikarjun2030]

Superb sir

[@souradeepsengupta2744]

What is Noida of Bangalore

[@namangaur3105]

25 lakhs to 1.5 CR in 3 years is no joke. She is better be kidding . Average appreciation in Real Estate in India is 15% . If she said she had invested it all in mutual funds then I can agree.

[@houseradar]

In Bengaluru its possible

[@unknowncreator786]

Lol...mutual funds mostly hovering at 5% from last 10 years... I only rises in last year due to bull run....

[@namangaur3105]

@@unknowncreator786 which world are you living in , small cap and middle cap gave more than 50% in last year

[@unknowncreator786]

@@namangaur3105 I didn't denied...my whole portfolio is above 50% xirr

[@vigmanu1]

We keep talking a lot about F.I.R.E, what I am planning to do is to build few houses which would fetch me a rent of 70000 per month (my expense is 30 to 50k per month today) and once I do this (estimating 3Cr to do this), can I count myself as financially independent? My expenses are taken care and the rent wil increase in line with inflation. Assuming I don’t run out of tenants 😅

[@ariestourstravels5053]

Where is your 3 Cr coming from?

[@vigmanu1]

@@ariestourstravels5053 I have been working for 13 years now (of which 7 years was at onsite) and on an average I save 80% of my income. so my target is to have 2.4 cr by June 2025. Trust me to best part is, I am working on a plan to build the house and have 3Cr in hand by jan 2029, if I succeed il feature in 1% club episode

[@vigmanu1]

@@ariestourstravels5053 I have overal 13 years of work experience (of which 7 years, I was at onsite) and I save atleast 80% of my income annually so my target is to have 2.4 cr by June 2025. Trust me, but the best part is, I am currently working on a plan to build the house and have 3cr in hand by Jan 2029. If this happens then hopefully il feature in 1% club episode 😊

[@karthikk7650]

Fixed deposits can give more than 2L per month, after your expenses remaining amount you can redeposit. Very safe method and no financial knowledge required.

[@TheCuriousCurator-Hindi]

​@@karthikk7650value of money goes down with time.