The ₹100 Formula to Build Wealth like HNIs ft. Kirttan Shah

This episode was recorded on 13th May, 2026. Chapters: 00:00 - Podcast Highlights & Introduction 01:08 - Kirttan’s Journey: From Engineering Drop-out to Finance Expert 03:00 - The BIGGEST Investing Myth: Why Returns Don't Matter as Much as You Think 06:46 - The "₹100 Rule" to Manage Salary, EMIs & Savings 11:52 - Market Crash? Here is Why You Should NEVER Stop Your SIPs 15:17 - The Perfect Portfolio Strategy: How to split your money (Global, Gold & India) 22:00 - The Secret to Large Cap, Mid Cap & Small Cap Mutual Funds 26:39 - The Best Way to Buy Gold (Physical vs. Digital vs. Sovereign/ETF) 29:39 - Step-by-step Guide to Building Your First ₹1 Crore 32:42 - The Harsh Truth: Why FDs are a "Guaranteed Loss" 39:07 - Smart Alternatives to FDs (PPF, Small Finance Banks, Debt Funds) 40:54 - How to Pick the Best Mutual Funds (3 Green Flags & Red Flags) 45:19 - Starting Late in Your 30s? Here is What You Need to Do 46:01 - Why Beginners Should AVOID Direct Stocks 47:11 - Kirttan’s Worst Mistakes: Kingfisher Airlines & F&O Bankruptcy 51:47 - Top 2 Investment Themes for the Next 10 Years (Electrification & Banking) 54:35 - Kirttan’s #1 Advice to His Younger Self Is Fixed Deposit (FD) really safe, or is it a guaranteed loss? How should you split your salary between EMIs, expenses, and savings? In this episode of Moneytalks by Groww, host Neha Singh Rajput sits down with veteran financial expert Kirttan Shah for a no-nonsense masterclass on personal finance and wealth creation. Kirttan breaks down the harsh realities of inflation, the exact ₹100 asset allocation strategy (Gold, US Equities, and Domestic Mutual Funds) for aggressive investors, and reveals the absolute biggest mistakes beginners make—including his own harrowing experience of going bankrupt in F&O and losing money in Kingfisher Airlines. Whether you are in your early 20s or starting late in your 30s, this podcast is packed with actionable advice to help you build your first ₹1 Crore and achieve financial freedom! Disclaimer: Investment in securities markets is subject to market risks. Read all the related documents carefully before investing. Please read the risk disclosure documents carefully before investing in Equity Shares, Derivatives, Mutual Funds, and other instruments traded on the stock exchanges. This video is for educational purposes only and does not constitute financial advice. Don't forget to LIKE, SHARE, and SUBSCRIBE for more financial insights! About Groww Groww is India’s Best Investment App and the Largest Stock Broker. Find us here: Android app: https://app.groww.in/v3cO/f9o4prne iOS app - https://app.groww.in/v3cO/tu0yrc3e Website - https://groww.in/ RA disclaimer link: https://groww.in/p/sebi-research-anal... Investment in securities market are subject to market risks, read all the related documents carefully before investing. If you have any concerns with respect to Groww, please feel free to write to us at [email protected] or you can call us at +91 9108800000.