Almost reached 1Cr net worth, my journey so far…

Hi everyone,

I’ve been an avid reader of this and a few other personal finance communities for a while and thought this would be a good time to share my financial journey, as I’m approaching a ₹1 crore net worth milestone. I’d genuinely appreciate any suggestions on improving my portfolio, identifying blind spots, and hearing from others with similar backgrounds about what they would have done differently.

30M, married for a little over a year.

Education:
Government engineering college graduate
MBA from a Top-3 Indian B-school (as a fresher)
5.5 years in management consulting

The figures below are my individual finances.

Net Worth

Liquid Net Worth (Cash + Stocks + Mutual Funds + SGBs): ~₹29.2L

Overall Net Worth (after adjusting for home loan): ~₹97L

Cash: ₹1.2L
PPF: ₹9L
EPF: ₹10L
NPS: ₹1L (started last year)
Sovereign Gold Bonds: ₹3L
NSCs/FDs: ~₹1L
Physical gold: ₹2L
Indian stocks: ₹7L
Mutual funds: ₹18L
1 BHK in a Tier-1 city: Current value ~₹65L, outstanding home loan ~₹24L. My mother currently lives there, so I view it as both a long-term family asset and part of my net worth.
Other depreciating assets (car, scooter, laptop, etc.): ~₹4L

Income & Expenses
Current CTC: ~₹35 LPA
Monthly in-hand: ~₹2L
Salary progression: ₹16 LPA → ₹35 LPA over 5.5 years
Monthly SIP: ₹80k
Home loan EMI: ₹37k (with periodic prepayments using bonuses/surplus)
Rent: ₹29k
Personal & fuel: ~₹10k
Child planning & other long-term investments: ~₹30k
The remaining surplus is generally used for emergency savings, vacations and additional home loan prepayments.

Insurance
Corporate health insurance
₹45L term insurance. Since my current major liability is the home loan, I’ve kept the cover at this level for now. I plan to increase it substantially when I purchase my own primary residence in the next 5–6 years.

Background & Lifestyle
Grew up in a middle-class single-parent household in a small town. My mother always emphasized saving and investing, which shaped my financial habits.

Buying the apartment was a long-standing aspiration for both of us and was as much an emotional milestone as a financial one.

Lifestyle-wise, I’d say we’re fairly moderate. We usually take one longer domestic trip and 2–3 shorter getaways each year, and have done one international trip so far. We have a cook at home and rarely order food. I spend less than ₹10k a year on clothing and personal shopping, drive a second-hand 10-year-old hatchback, but do indulge a bit in things I enjoy—mainly books, the occasional fine-dining experience, and LEGO sets.

Looking Ahead
My primary goals are:
Continue increasing equity investments
Finish the home loan ahead of schedule
Build a larger corpus for future family needs while maintaining a balanced lifestyle

I’d love your thoughts on my portfolio and overall financial approach. Are there any obvious gaps or blind spots that you think I should address?

I’d also be happy to answer questions about my journey if it helps anyone from a similar middle-class or small-town background. Likewise, for those who’ve progressed further in their careers, what do you wish you’d done differently in your 30s, or what advice would you give someone in my position?