Urgent career advice needed

[Bhavesh]

Hey folks, I'm a 27‑year‑old guy working in tele‑banking and pulling about ₹20,000 a month. I've been with the same bank for three years and haven't seen any real appraisal or growth.

I'm hoping to reach roughly ₹1 lakh per month eventually. I know it won't happen overnight, but I'd appreciate any tips on how to get there.

I took this job because our family business – which ran for 25‑30 years – suffered a big loss. I always thought I'd take over the business, but after the loss I had to find a job to support my family.

I only have a B.Com, so I'm looking for advice on which jobs, career paths or skills I should focus on to earn around ₹12 lakh a year.

Seeing my friends earning much more and the numbers I see on Reddit makes me feel low, worried and a bit depressed about the future. Please share some practical career guidance to help me move forward.

[Ashok]

Listen, you still have time. Without an MBA you're unlikely to break the ₹50k mark even by 35 with your current pay.

Indian corporates put a lot of weight on degrees and qualifications. A friend's sibling did an MBA from Welingkar – not a top college, but he's now at a private bank earning close to ₹80k. You have about six months left to prepare for the CAT. Keep at it and don't give up.

[Jayant]

Hey friend,

Are you chasing a higher salary just because of peer pressure, or do you have other reasons like a better lifestyle or family needs?

Is the family business shut down or still running?

I ask because running a business can be one of the fastest ways to earn more.

If you want to stay in the corporate world, you'll need to move out of the tele‑banking role. In a big bank you could aim for business‑development or client‑relation positions, which usually pay more.

Another option is to look at global banks' captive centres for back‑office work. Instead of pure tele‑banking, consider roles like customer success or support – they can be good stepping stones.

You could also invest in a career coach for personalised guidance.

All the best!

[Laksh]

With a ₹20k salary after three years, it's time to switch jobs. Don't wait for a raise. You won't jump straight to ₹1 lakh a month, but you can get there gradually – aim for a ₹35‑50k package first, then build from there.

[Bhavesh]

Hey buddy, I get why you're confused – it's completely normal. Everyone's career path is different, so don't get disheartened. You're carving your own road and things will fall into place. Keep pushing forward.

Regarding salary growth, first decide if you want to stay on the same track. If not, think about any other field you'd like to explore for your next career move. If you do want to stay, the key is to switch roles at the right time and keep learning. You could also consider a master's degree – there are full‑time and online options, pick whatever fits your schedule.

Hope this clears things up. If you have any more questions, feel free to DM me. Happy to help.