F(35) hoping to be FI by 2035. How does my planning look?

Kudos to you! Very few people are working towards FI in a planned out manner. Makes me realise I need to get planning this.

I see you taking out less money for fun & shopping there. Good going on your goal.

I'd say diversify this 10% with Gold and silver. Great going 💪🏽.

I would suggest stop sips and manually pour money during market crash into lump sum, that generates more returns

Salary - 40L Post tax - 30L Home EMI - 15L (assumed you cover 50% over next 10year rest by your family) Monthly expenses - 80k-100k

So currently you essentially have 50k-60k to play with. Future growth in salary needs to go aggressively in Equity.

Your current expenses seem to be 10L+ annually. For FI you need 40x (some say even 50x but can be much less if you can susbsidise by some part time job later as you are planning). So you need 3-4Cr as of today to be financially independent. But this number will grow with inflation so bear that in mind.

You seem to be on a good track (that home loan is an anchor but as always home is an emotional decision so it is what it is). If future salary growth is routed towards equity it should be manageable.

P.S: For equity I would advise only to use an index fund unless you know what you are doing.

Post tax 25 milta hoga sayd.. And if you can save 15L per year.. And you get roughly 10-12% return in total. You will be able to make only 3cr from now on..

Good going, that looks like a premium house?