Dr Rama Murthy, 46, and his wife Dr Sheela Murthy, 44, work in a private hospital, with busy daily schedules. They have a monthly family income of ₹4.5 lakh, home loan EMI of ₹65,000 and living expenses of ₹1.50 lakh, and save the rest. The Murthys have two kids – Sanjay, 13, and Roshan, 10.

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