Woman says house help purchased 3BHK flat for Rs 60 lakh in Surat, took only Rs 10 lakh loan: 'Speechless'

Nalini Unagar recalled in her post that her house help seemed overjoyed, later revealing she had also spent an additional Rs 4 lakh on furnishing the flat.

Buying a home remains one of the biggest financial challenges for most Indian households. Yet, a domestic worker in Surat, Gujarat, has become the subject of widespread admiration after a social media post revealed that she had purchased a Rs 60 lakh flat, taking only a Rs 10 lakh loan.

The story came to light after content creator Nalini Unagar shared her experience on X (formerly Twitter), describing her surprise when her domestic help arrived at work one morning and casually mentioned that she had finalised the purchase of a 3BHK apartment in Surat.

Unagar recalled in her post that her house help seemed overjoyed, later revealing she had also spent an additional Rs 4 lakh on furnishing the flat. “I was honestly shocked,” Nalini wrote, admitting that the news left her taken aback.

What impressed Unagar even more was learning that this was not the woman’s first investment. When asked how she managed such a significant purchase, the domestic worker explained that she already owned a two-storey home and a shop in Velanja village in Gujarat. Both properties, she said, were currently rented out.

Unagar wrote that she was “speechless” upon hearing this, noting that the revelation challenged many of the assumptions people tend to make about workers in domestic roles.

My house help came in today looking really happy. She told me she just bought a 3BHK flat in Surat worth ₹60 lakhs, spent ₹4 lakh on furniture and took only a ₹10 lakh loan. I was honestly shocked.
When I asked more, she mentioned that she already owns a two-floor house and a… pic.twitter.com/OWAPW99F46

— Nalini Unagar (@NalinisKitchen) October 7, 2025

The post has since spread widely online, with many users commending the woman’s careful financial management and long-term planning.

Reactions across social platforms were overwhelmingly positive, with users calling the woman’s story a lesson in practical financial literacy. Several noted that the achievement was not about luck but the result of steady saving and disciplined spending.

Unagar later clarified that her domestic help’s success came from “avoiding unnecessary expenses” and prioritising savings. She pointed out that while many assume that people in low-income jobs cannot accumulate wealth, some quietly build assets while others spend freely on luxuries such as dining out, travel, and new gadgets.

One user responded by saying, “It’s not about how much you earn, but how well you manage what you have.” Others shared similar anecdotes — such as a local tea vendor who owned multiple homes and sent his children abroad for education.

Meanwhile, a section of users noted that it is possible for domestic workers to save because the government provides them with basics and their income is not taxed.

"Helpers are also eligible for govt handouts that allows them to save much more- free medical, free monthly grains, free education, free transport etc. Basics are paid by govt so easier to save," a user noted.

A user wrote, "Salaried employees are heavily taxed, while domestic helpers, street vendors, and similar workers often pay zero tax on their earnings. Over time, this allows them to save more and build assets faster than us."

"You remove education fees, income tax, healthcare cost, and expensive cafe and restaurants, India is damn cheap. Almost 4 people earn in their house. They can easily earn 60-70k or even 90k per month. If they save 50-60k every month, it is possible," another user remarked.