From ₹0 to ₹5 Crore: Accenture Employee Shares His 11-Year Financial Journey

Gurgaon-based Gurjot Ahluwalia attributes his success to career growth, disciplined savings, and equity investments.

February 6, 2025: Gurgaon-based Accenture employee Gurjot Ahluwalia recently shared his inspiring journey of building a net worth of ₹5 crore in just 11 years. On social media, he described this achievement as his biggest milestone of 2024, and even posted a screenshot from his financial tracking app showing a net worth of ₹5 crore, with liabilities of only ₹2.7 lakh.

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Mr. Ahluwalia credits his financial success to a three-pronged approach: advancing his career to boost earnings, practicing delayed gratification for disciplined savings, and making strategic investments in equity. He highlighted that living debt-free (thanks to his parents funding his education) and avoiding rent expenses by staying with his parents were crucial factors in his journey.

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However, he acknowledged that market corrections had impacted his portfolio, leading to an 8-10% decline in his net worth. Despite this, his long-term investment philosophy remains unchanged. Sharing his insights in a video, he emphasized the importance of “time in the market” over “timing the market.”

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When questioned about his minimal liabilities, he mentioned during his Dubai trip that he strives to keep his liabilities below ₹1 lakh at all times.

The post garnered admiration online. One user commented, “Many congratulations! You are a very smart and sensible investor. I am sure you will go a long way.” Another wrote, “Amazing example of consistency and patience. Though many cannot replicate stock picks, everyone can learn the value of long-term investing and delayed gratification.”

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financial independence, wealth creation, equity investments, disciplined savings, delayed gratification, career advancement, personal finance, inspirational stories, stock market strategy, financial goals