21-year-old Mumbai student pays Rs 2.73 lakh in college fees, invests Rs 40,000 in SIP: Check her October expense breakdown

A 21-year-old Mumbai engineering student has revealed an unusual mix of financial commitments in her October expense breakdown, including Rs 2.73 lakh in fourth-year college fees and a Rs 40,000 monthly Systematic Investment Plan (SIP). Her Instagram Reel also lists expenses on rent, shopping, travel, eating out and digital subscriptions, offering a glimpse into her financial priorities as a young adult.

In an Instagram Reel, the woman listed her fourth-year engineering college fee at Rs 2.73 lakh, while also detailing her recurring expenses and discretionary spending. Her breakdown highlights how education costs and everyday commitments can coexist with investment goals for young adults.

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Rs 40,000 SIP among Mumbai student's October expenses

One of the notable entries in the woman's spending breakdown is the Rs 40,000 allocated to her monthly SIP. The investment amount stands out alongside her other listed expenses, including Rs 23,000 in rent, which she said she pays to her parents.


Her other expenses include Rs 4,000 on transportation, Rs 2,700 on eating out and Rs 9,300 on shopping. She also listed subscriptions to services and applications such as Claude, Meta, Spotify, Caption AI, InShot and Netflix, which together cost Rs 6,300.

Engineering fees account for major share of spending

The largest listed expense is her fourth-year engineering fee of Rs 2.73 lakh. This is a substantial education-related outlay in the breakdown, although the Reel does not establish whether the amount is a monthly, semester or annual payment.

Excluding the engineering fee, the other listed expenses, including the SIP, add up to Rs 85,300. The figures offer a snapshot of the financial commitments she has chosen to share, rather than a complete picture of her income or overall financial position.

The Reel has drawn attention to the range of expenses a young adult may have to account for while pursuing higher education and managing independent or semi-independent living in Mumbai.

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