Home LOAN + Rs. 20 Crore CORPUS - How?! | Money Matters Ep. 17 | Ankur Warikoo Hindi

Money Matters is a series where I have conversations with normal people such as you and I, on your personal finance issues.
It is important to note that I am NOT a financial expert, I am NOT SEBI registered, and I am NOT qualified to give financial advice.
Everything that I say in these videos is purely through my own experiences.
- So these videos do not offer any stock tips, or specific mutual fund recommendations or get-rich-quick schemes.
- I am not selling any product or service through these videos.
- None of the brands that I mention in these videos have paid me to mention them, unless I explicitly say so (and I will say if the video is sponsored).
This also means that my advice may not always be the right advice. So incase I make a mistake, the best way to correct me will be to share your point of view in the comments, so that everyone can benefit from it.
I am not perfect, nor claiming to be either and would love to learn and grow.
The idea is simply to help people with their finance journey and through their story try to help others who may have a similar story.
If you wish to be part of this series, please fill up this form forms.gle/uj9JPUBp8Wo9nZQi7
In this episode of Money Matters, join us as we dive into Anjali's financial journey, where we outline a strategic roadmap to achieve her long-term financial goals. With a monthly income of ₹1.25 lakh, we explore how disciplined investing and smart financial planning can help her build a substantial corpus of ₹10-20 crores over the next 25 years.
We meticulously detail Anjali's monthly expenses and lay out an optimal investment strategy centered around mutual funds and systematic investment plans (SIPs). Additionally, we emphasize the importance of establishing an emergency fund, selecting the right insurance coverage to protect her investments, and adopting a strategic approach to home loan repayments.
Join us to learn how to leverage your income effectively, maximize financial potential, and pave the way towards a secure and prosperous future.
Want to join me on the show? Fill this form and my team will reach out to you: forms.gle/uj9JPUBp8Wo9nZQi7
00:00 Introduction
00:49 About Anjali
02:17 Anjali's expectations from Money Matters
05:40 Current financials
11:50 Details about the Home Loan
14:38 Details about insurance
17:45 Financial Plan for Anjali
28:07 Strategy for Home Loan
32:20 Figures after opting for Step-up SIP
33:26 Questions about PF amount
36:29 Conclusion
#FinancialPlanning #MoneyMatters #warikoo
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If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L and in 2022 we contributed 53L.
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[@warikoo]

Money Matters is a series where I have conversations with normal people such as you and I, on your personal finance issues. It is important to note that I am NOT a financial expert, I am NOT SEBI registered, and I am NOT qualified to give financial advice. Everything that I say in these videos is purely through my own experiences. - So these videos do not offer any stock tips, or specific mutual fund recommendations or get-rich-quick schemes. - I am not selling any product or service through these videos. - None of the brands that I mention in these videos have paid me to mention them, unless I explicitly say so (and I will say if the video is sponsored). This also means that my advice may not always be the right advice. So incase I make a mistake, the best way to correct me will be to share your point of view in the comments, so that everyone can benefit from it. I am not perfect, nor claiming to be either and would love to learn and grow. The idea is simply to help people with their finance journey and through their story try to help others who may have a similar story. If you wish to be part of this series, please fill up this form forms.gle/uj9JPUBp8Wo9nZQi7 Buy my new book 'MAKE EPIC MONEY' here: www.makeepicmoney.com/ My Money Apps: bit.ly/3Zg56eR Start your own business: bigrock-in.sjv.io/6eZ1KK My bestselling books: ‘GET EPIC SHIT DONE’: ankurwarikoo.com/getepicshitdone ‘Do Epic Shit’: ankurwarikoo.com/doepicshit My gear for shooting this video: 🎥 Sony a7III camera: bit.ly/3M42wAV 🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0 🎙 Shure SM7B Microphone: bit.ly/3O1NAVA 🔆 Fill Light 60W: bit.ly/37aJolP 💡 Key Light 150W: bit.ly/3O9nyjs 📽 Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1 Useful links: 20 books for your 20s: bit.ly/WarikooBooks 20 online courses for your 20s: bit.ly/WarikooOnlineCourses Gadgets that I use: bit.ly/WarikooGadgets The above links are on Amazon. If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L and in 2022 we contributed 53L.

[@geraltrivia9864]

Simple thing follow 40-40-20 or 50-35-15 salary split formula with 3 bank accounts for save wants and needs. You cannot imagine, it will do wonders within few months

[@rakhijha1078]

Please nominate me for this much needed for my situation

[@rockrawat3041]

Sir pane bol toh diya ki invest this much amount in nifty 50 index mutual fund toh samne wala kiske through invest karega apne wo nhi btaya

[@sachinsnair951]

Sir have some doubts How can I Contact with you 😢

[@hunter1283]

Ankur warikoo your courses are a scam. I subscribed for Take charge of your money course. The ad said 5 hours of classes, but it only has 10 minutes of video and rest all are simply PDFs. Please don't fool people and put up misleading ads.

[@jasha9sandhu]

Ankur Wariko - making Indians financially aware & responsible - 1 video at a time. You are doing elder's job big bro.

[@chiki1303]

Very true...

[@jinymathew7688]

20 years back hardly anyone could save like today....by the time we got access to this financial knowledge..we are in 40s...plz make a video for people who missed all these savings in their 20s and 30s and what can be done for rest of their life..

[@ThePriyayk]

I am looking forward to similar videos.

[@vishal.choudhury]

You still have 20 years left if not retiering early.

[@MakeupbySabihakhan]

Absolutely I thought I was the one without Financial planning in my 20s

[@deepakfriends218]

Yes

[@postwala2667]

same chair..but we just have to start now

[@NeelChourasia]

Excellent....99% problm ki jaddd money hai jisko manage krna school se sikhana chahiye ...tab shayad is desh se garibi mit jaye....aise hi teacher hr school me hona chahiye .....wonderful suggestions ❤❤❤

[@ashnag8993]

Many people have a few concerns : 1. Why is she talking in English: I think it’s the personal choice. If at all this was a problem Ankur should have highlighted that. 2. What is the linkage between summer heat and TV. The content was edited and it’s obvious that if it’s summers it must be an AC purchase combined with some other appliance like TV. 3. The gym membership: For the people advising to reduce the grocery to half, trolling on the amount, and appearance may be get a life. It’s okay if someone wants to have a high end facility. It’s purely their choice. No one is asking for your monetary contribution and unsolicited advice. 4. Some people also suggested to get married , some couldn’t even imagine or accept the fact that women can also do well in their careers. It’s a progressive world let’s be a part of it instead of talking bad. In a world where everyone wants to pull your legs, we should be kind. If we cannot say something good let’s not say it at all.

[@ca.manishbhatnagar]

I observed people making fun of her for no reason, its her money, she is doing well in her life and will surely achieve even greater things in the future. Her corpus and money will make fun of you in future if you are not focusing on your growth rather to troll others .

[@slowlaghang]

It's the same thing as you. Nobody asked their opinion neither yours

[@ca.manishbhatnagar]

@@slowlaghang Grow up otherwise your whole life will be wasted in spreading the hatred and jealousy

[@DevaKumar-pc3zi]

bro IDC abt her money... she is annoying that's it .. I watched this just for Ankur n growth of my knowledge

[@ca.manishbhatnagar]

@@DevaKumar-pc3zi koi nahi bhai, sbhi ko sb pasand thodi aa skte h.

[@souvikghosh8268]

Make a video on government employee

[@karansolancii]

Aree sir aapki pancho ungliya ghee Mai hai🤝🏻

[@sagarodisha]

Govt.😂 Employees are born to Invest in LIC.

[@sureshpoojari2914]

It will be helpful for investing to govt employees

[@kdSU30]

They won’t come. Their job is their financial independence 😂

[@SEEKLOGY]

It is really a good episode. Thank You Ankur & Anjali - both of you 🙌🙌❤❤

[@smithasebastian4815]

Waiting for videos people with more than 40 years old...

[@sandeeprawat4734]

Me after hearing gym membership fees Bhai bahut peeche reh gye naa 😢😢😢😢

[@ashnag8993]

Nahi koi piche ya aage nahi hai. It’s just a part of someone’s life style. Like I said I don’t want to compromise on luxuries and that explains why I would pay something like that.

[@kulbhushanbhaware]

For this SIP achievement consistency is very important. If you break the consistency then the result will be different.

[@aditya123460]

Loved the video, super insightful & relatable. Thanks Ankur & Anjali!

[@ATHENA.07]

10k just for gym membership 😂

[@nikhilghadigaonkar1709]

For one month 😅

[@mithileshthakkar8688]

We have yearly membership in flagship gym here in that price

[@ATHENA.07]

@@nikhilghadigaonkar1709 I could buy all the necessary supplements & some extra food with the gym membership for 10k 😂😂

[@ATHENA.07]

Guess she's opting for personal training. I would recommend her to do a bit research and find an optimal diet and workout plan by herself.

[@akashsharma1134]

Still it is not effective enough😅

[@divyapandey50]

i have just one problem with this whole analysis is it is not taking into account marriage cost and expenses. what if the person wants to have kids and their respective costs. I think one question should have been asked . Do you want to have kids in the future ? . If Yes you have to consider the cost of upbringing them in the city she brought the home in. Even being generous she has to cover 25% of the cost and 75% by the husband . I liked the video But Would have liked it even more if it was taking into factor future planning also into account.

[@Careerology9]

One day I will also earn money & Make my own house 🏠, spend on my own needs

[@aashish158]

Considering 6% inflation on avg as CAGR.... Indeed value of 2.5cr after 24 yrs actually like 60L today... Also 10 Cr after 24 yrs is like 2.5 cr today... You given the correct figures actually... Brilliant Ankur...

[@suneshpv]

Very insightful podcast. Thank you very much I am in same situation like Anjali :)

[@nid274]

papa ki pyari beta, lucky to keep all the money to herself 😀😀

[@chiki1303]

Awesome Ankur, you read my mind. Can you pls advise which mutual fund should we invest

[@shilpishilp]

I really loved this episode and happy that you are including all kind of financial ability people. I am well settled and having no liabilities. Investing as well based on my knowledge. But still would like to get your advice.

[@DrKallalPramanik]

Amazing episode, Ankur! Wishing you all the best, Anjali ma'am. Ankur, I have read all three of your books and would love to have a similar session with you as a bona fide fan.

[@anu1956]

Wonderful series especially for the youngsters who are earning well but don’t know where to park their money more efficiently! Keep it up Ankur !

[@skiddeykunzang7991]

Lovely video!!!!!! Kudos to our man from our state Jammu And Kashmir!!!

[@user-qp6bt9jg6y]

Thank you sir good value lesson for home loan repayment

[@eswarnaidu4470]

Nice conversation

[@Lovehacker1000]

Bhai thanks bohat sikhne ko mil rha hai pta hi ni hota tha aaj tak ki salary chali kaha gyi but abse mai krunga 😊

[@sureshtammanait9594]

Just Superrrr👌👌

[@Vibhor_Maheshwari]

Ankur i think you forget very important point that is GST on interest which drastically increase starting EMIs because mostly amount gone to interest side. First emi after GST is ₹52125(P+I) + ₹6864 (gst on interest) = ₹58989 ( approx 59,000) Please include GST in your financial videos so that i can see the more accurate picture of our finances. Thank you Ankur for your videos. It's very helpful and knowledgeable.

[@pranavpolisetty113]

Please note that the interest rate would get updated by the bank for a home loan which could affect the tenure of the loan if the emi stays the same.

[@vanshmalhotra121]

I just turned 18 few months ago and bcoz of ankur I started investing half of my pocket money to make sure I have a good corpus after sometime...

[@ayushpingle0702]

Ankur make a section for Money Matter Rewind after 1 yr and interview with all those participants that how they are doing financially.😊😊😊

[@nid274]

😅😅

[@warikoo]

Totally have that in mind

[@themboys304]

Would suggest to re-interview or invite guests from 5 years ago to see what has changed.

[@fundriving5374]

For Hundreds of problem only one solution SIPs-Large,Mid and small😅

[@dazzlinggleam7399]

If you want different one.. here's the solution Gold, flexi, small cap 😅😅 Gold is almost equal to large cap😅😅

[@banglafanivdo4421]

Same solution in all videos 🤣🤣​@@dazzlinggleam7399

[@dattatreyaduttagupta4832]

this woman is so lively... never ever have i enjoyed this series like this one before

[@maruthikumar9147]

your videos are informative . Thanks for this content .

[@komurelliigoudbathini5605]

🙏Super sir nice explaination thanq very much. Thanq sir

[@OmBhatt-f1w]

Please tell any platform or the process from where we can do sip

[@chdayakar1601]

Nice session! One suggestion to the guest.. Since she is purchasing home from an NRI she should deduct tax on the amount being paid to the NRI. Pl do that!

[@TheworldExploringwithallen]

VG advise ankur very Helpful

[@HindiDarbar]

She is very honest and brave girl...nice

[@NeelChourasia]

Hr sch me ek subject complsury kr dena chahiye jo sabki life me bahut jaruri hai *money managment from childhood* ......mai khud bhi seekh rahi hu aur apne 16 saal ke bete ko bhi sikhane ki koshish kr rhi hu apke through ankurji ......thank u logo ko jgaane k liye

[@ShamasAbbas-bn7re]

Kardden Token and amazon signed a partnership. It will blow up once it hits mainstream.

[@chiki1303]

Some banks will not reduce the emi amount if you have not paid 25% of principal amount.

[@cclasherr8108]

Arkur why a flexicap fund wouldnt a mid cap index fund be better? just curious about it

[@kamalgoswami9859]

Konsi gym me jari h 18k me toh cultfit ki mil rhi h yearly😂😂

[@AGOF_Vlogs]

Abe yearly hi hai, wo bolne me wrong assumptions kri hai. Wo NAAARI hai kuch bhi kar skti hai😮

[@Harshx123]

Bhai Matlab tu kabhi gym(luxury one) nahi gya 😂 isse aur mehengi memberships hoti hai

[@AGOF_Vlogs]

@@Harshx123 bhai there r luxury gyms, everyone knows But that doesn’t mean that u start competing with the Bollywood stars😃. U should know how much u r earning. In just 1.25 u expecting home loan, ur monthly expenses, parlour, gym everything then a budget gym only is suitable. That’s why Ankur didn’t added her Gym as monthly expenses from July . Maybe after Jan 2025, she can.

[@kamalgoswami9859]

@@Harshx123 bhai vo toh muje bhi PTA h pr I think cultfit jesi gym more than enough h Ye keh rha tha mai😂😂

[@Sai6830alokodishaqwesg]

Thank you sir apka chhota chhota knowledge mereliye v bahut faida hoga pata nehi thaa mujhe v loan jaldi keise clear karu but I do this

[@zakwankhan7815]

Money matters channel par aane ke liye kya karen, Sir. I want your precious advise.

[@rockop-ol7so]

Sir ek question tha meri income 2 lakh se kam hai, toh mujhe sirf profit loss statement show krni hai income tax return mein ke har ek individual transaction ke. Capital gain bhi 1 lakh se kam hai?? Please btaiye

[@SayantanSen]

Garmi padh raha tha usliye dd ne TV le liya 😮wow

[@AGOF_Vlogs]

Being in Hyderabad if your expenses is 35-40k monthly. That too staying single. What will happen if u come to Bangalore😂. Bangalore u can’t afford House and Loan with 1.25. Maybe 1 BHK u can.

[@amarjitjena111]

Sir , if you do the step up epf company will not pay for that . Then how you calculate that part

[@sanjeebtripathy1]

Wasn’t the insurance for home a concern area??? Was that discussed? I might have missed it.

[@sagartonapi2120]

Can u share which app u using to calculate ? Sip nd loan?

[@Devchaudharyhmm]

Ladies always become young, they don't want to be old. One day a women i call her aunty,she got an angry, said why say aunty, i said how old you ? She said im 56, i said then what i say, may i say kids ?

[@PankajKumar-pf6sh]

Could you please share this excel sheet with extra emi and emi increase by 10%

[@xamantiwari]

can you share sheet link, please?

[@Inspirationallllll]

Hello Sir , according to you which college should l prefer for btech 4 years ...Mitadt pune Or jspm wagholi pune!! And most important should papa take education loan or not.... Which one should l opt.... Please reply sir

[@user-bh8xn1ge1x]

Love you sir ❤️❤️

[@aktutorial610]

1:41 Making hyderabadi biryani

[@Vikas-nt3mk]

17.30. She should use salary account. So that she can use all funds without getting charged.

[@techsavvyrahul]

Hi sir, I want to say thank you! I was about to buy a car but after watching your videos I decided to stop and think about its need. I found it is emotional decision so I cancelled it and started FD + SIP

[@jasha9sandhu]

Good for you bro. We the working folks in India need to become financially aware as early as possible.

[@vermamukti]

How can I take advice from ankur। I also need so mucj

[@shashirekhasn4280]

Sir can I fill the form on behalf of others?

[@hp8319]

Don't understand question asked in hindi but she replied in English, it is weird

[@amitdeshmukh5403]

Ankur, It’s a wrong Calculation about repayment of Mortgage. Can we connect ? I can propose a better plan with lesser Tenure.

[@SAHILMALHOTRA]

how to operate excel like you make a video on that

[@Best_short_444]

Thanks, please make another video about Kardden I prefer Kardden that is strong

[@iam.prorider1000]

I respect your work mate so you say Kardden good one to use?

[@mahipalsinghbisht5821]

Very nice 😊

[@BishaloliOli]

Kardden Token time! This thing is lifting up in ways nobody did before

[@Aryan-io5iz]

Hi Sir. I am from Overseas. Wanted to talk to you personally regarding investment. Recently started mutual funds in India. And wanted to so something in PMs as well. Need some advice. Please update me on that

[@sudhirsingh3603]

Is it practical to increase emi 10% yr on yr nd investment 10% yr on yr

[@arijitmukherjee5846]

I always feel weird when women makes so much fuss about saying their age!!

[@vikaskamble2331]

Mere jaise 15K salary wale hai ya me akela hu india me😂🤣🤣🤣

[@technitiasingh]

Haa bhai hai majority vahi hai

[@ganeshbhatt923]

😂😂

[@sameer_kujur]

Tujhe 15000 mil raha hai !!! Mein toh 8000 mein jee raha hoon.

[@user-dq7kp2rz2h]

9000

[@Sizzlle]

I wondered same thing while watching this video.. she makes 1.25 lakh per month..How many make that kind of money? So much inequality in India… Are such jobs guranteed in India? What if you get laid off?

[@sakshichourasiya5908]

Sir, could you please tell me which app do u use to calculate 😢.

[@rinkydas8074]

In this video he was using Groww SIP calculator

[@sakshichourasiya5908]

@@rinkydas8074 thanks ❤️

[@thereturnofsatire]

She's 34

[@_M.R_Sambhav]

Let's meet you sir in upcoming time.I am very excited to meet and watch you by my Pyaari Pyaari Do Akhiyan. I am telling I have taken your Appointment almost 5 years earlier.Good Lucky To me.If i will be on my prediction then world will come to this comment and will say that I was so confident on my self and bla bla bla whatever.🙂

[@pramodthombare7304]

I am 34 years old , and having home loan of 50 lakhs . I want to know how much I want to invest to become financial freedom till age of 40

[@maheshsrcl]

@warikoo , Could you please share the home loan payment excel sheet. Thanks.

[@zidts]

Ankur how you just inflation??? Please elaborate it

[@sree6070]

Where can I get excel for planning

[@deepaarifkhan8762]

Swapped my alts for BTC and Kardden. They are ramping it up

[@abirchakraborty1030]

Hello sir, I am a researcher working in Finland currently. I would like to know if scheduling a video call to discuss the money goal is possible. I am happy to be in the video like the one I am watching now.

[@ajaymehra8839]

Hey Ankur.. I hade a question since long time..... let's assume i have an SIP and i am doing well in that. if in case i have to break it for any reason so can I....

[@ca.manishbhatnagar]

yes, generally mutual funds don’t have any lockin period , but please check the lockin period at the application page.. It should be zero

[@smit_t]

Tax Saving mutual funds have lock-in period. There are some funds which charge x% as exit loan so you might have to check that.

[@UniqueXplor]

I want to talk to you sir how can I reach you?

[@AbhishekMishra-sm1lg]

Hey Ankur, i think pf interest rate is 8.25% currently not 7%.

[@GaneshMasare]

Ankur/Anjali - you missed out on the rental income from one room - which can be used to memberships.

[@SoulSoothingArts]

I want to ask warikoo like i have watched this money matters episodes so far, can you help herwise coming persons to live do the research with them and pick up the mf or debt fund or the health or term insurance that you are saying them to invest? Like people can learn without applying to your form right? If you can increase this and do an lively research for your participants inducidually based on their life situation it will be more better for us to learn how you do research

[@shriprakash9556]

Warukoooooooo- let me make you crorepati on excel 😂

[@niteshkola2903]

Any chance can you please give a link to download homeland calculator sheet . Which you presented in the episode

[@xamantiwari]

have you found?

[@xamantiwari]

@warikoo

[@aakashaggarwal92]

I think she had her finances figured out even before the episode started. She says a registration of 5 lacs for the house and 52 lacs loan, that means down payment is close to 4.5 Cr which was paid for by her dad as gift and FDs. At a salary of 1.25 lacs per month, she's buying a house worth 5 Cr. These sort of things make other people give a false hope about their home buying expectations.

[@groguyoda3405]

Her expenses are more than my salary. 1.25 lakh and no money remaining is very crazy to hear

[@ashusingh465]

Sir please analyse my portfolio All funds are direct plan.. Quant manufacturing fund-3000 Quant infrastructure fund-2000 Quant elss fund-2000 Icici prudential value discovery fund-1000 Kotak flexicap fund-1000 Sbi energy opportunity fund-3000 Sbi mid cap fund-1000 Axis bank small cap fund-1000 Nippon india small cap fund-5000 Motilal oswal large cap fund-1000

[@AdarshSharma-bi7gm]

All guys stacking Kardden Token before next bull are smart apes for sure

[@AshrafAli-yx6ds]

One request, is there any SIP where we can save tax and have good rate of return.

[@aditiseshadri6560]

elss

[@AbhishekSingh-xf1lg]

Nps

[@user-cr4qo9ww4x]

What about yearly vacations?

[@viggugouda7421]

Pleace make a detail video on cash flow statement of company

[@Ghost-wh6lf]

Anjali, you got to spend money on your gym membership, which is mandate for you and for your future…

[@ca.manishbhatnagar]

9:16 can anyone please explain me the linkage ?

[@ashnag8993]

It got edited it was a discussion on AC and other expense like the tv

[@ca.manishbhatnagar]

@@ashnag8993 Ohh got it, thanks for the clarifying 😇

[@MaheshKumarMaharana-rx6wk]

I am 18 now and I have watched every video but I don't have any job or anything from where I can earn but I want to independent and also want to gift a house to my parents but I don't know how. Every one know the NEET condition now. If any one have any idea then do comment 👇👇

[@aravind87]

After 8 years , closing your home loan you can use the EMI amount for ur needs and increase ur investment