Ek Mumbai software engineer ki kahani — jisne ek dost ki photo dekhi, ek raat mein loan apply kiya, aur phir realize kiya ki “sirf ₹12,000 mahine ka” actually kitna bhaari padta hai.
Mera naam Karan hai. Main Mumbai mein ek normal software engineer hoon. 34 saal ka, wife aur ek 4 saal ka beta. Ghar ka rent ₹28,000, school fees, local train ka kharcha… life chal rahi thi somehow. Par dil mein ek khwaab tha – ek badi si Royal Enfield. Black colour, matte finish. Har Sunday ko Juhu beach pe ghumne ka plan.
Ek din office mein mera dost Rohan bola, “Arre Karan, abhi EMI pe le le yaar. Sirf ₹12,000 mahine ka. Salary se easily nikal jayega. Life mein kabhi kabhi thoda enjoy bhi karna chahiye!”
Usne apni new bike ki photo dikhai. Wife ke saath ghumte hue. Beta peeche baitha muskurata hua. Meri aankhon ke saamne sapna aa gaya.
Ghar jaakar wife se bola. Woh pehle toh mana kar rahi thi, “Karan, ghar ke liye saving kar rahe hain na? Beta ka admission bhi aage badhega.” Par maine convince kar diya. “Baby, ek baar life mein kuch apna bhi kar lete hain. EMI toh sirf 4 saal ki hai. Badmein ghar ke liye aur save kar lenge.”
Us raat maine bank app khola aur personal loan le liya – ₹5 lakhs @ 14.5% interest. Bike showroom se direct liya. Down payment bhi credit card se. Total kharcha ho gaya almost ₹6.5 lakhs.
Pehle 2 mahine maza aaya. Har weekend ride pe nikal jaata. Doston ke saath photo shoot. Instagram pe story daalta. Log like karte, “Bhai mast hai!” Dil khush tha.
Pehle 2 Mahine? Full Filmy Tha.
Yeh sach hai — pehle do mahine mast the. Har weekend ride. Dosto ke saath highway pe. Instagram stories. Log comment karte, “Bhai mast hai!” Wife khush, beta excited, aur main? Main feel kar raha tha ki life set ho gayi.
Koi nahi batata ki Teen Mahine Baad ka scene kaisa hota hai.
Karan Ka Monthly Financial Breakdown — Month 3 Se
Bike EMI (Personal Loan @ 14.5%)₹14,500
Credit Card Minimum Payment (Down Payment ka karz)₹8,000
Rent (badhne ke baad)₹28,000+
Wife ka medical bill + Beta ka feverUnplanned
Office BonusCancel Ho Gaya
Extra burden jo pehle tha hi nahi₹22,500/month
Woh Raat Jab Beta Ne Ice Cream Maangi — Aur Main Andar Se Toot Gaya
Credit card balance ₹92,000 cross kar gaya tha. EMI miss nahi ki — yeh main clearly kehna chahta hoon — par main minimum payments de raha tha. Matlab interest pe interest chadh raha tha, silently, background mein, jaise koi slow poison ho. Raat ko 2 baje uthke calculator chalata tha. Numbers kabhi nahi milte the.
Ek sham beta bola, “Papa, aaj ice-cream nahi khayenge?“
Maine muskurake kaha, “Beta, ghar pe hi bana dete hain.”
Usne maan liya — woh 4 saal ka hai, usse kya pata. Par main andar se toot gaya tha. Yeh woh moment tha jab mujhe samajh aaya ki maine kya kiya hai.
“Maine ek bike kharidi thi freedom feel karne ke liye. Aur usne mujhe woh sab cheez de di — guilt, anxiety, aur har mahine ek reminder ki main galat tha.”
11 Mahine Baad Ka Sach — Jo Main Tumhe Seedha Bataunga
Abhi bhi loan ka 70% outstanding hai. Credit card ka bill? Abhi bhi settle nahi hua poora. Ghar ke liye saving? Is saal ek rupaya nahi bacha. Woh dream flat jiske baare mein main aur meri wife Sunday ko baat karte the? Do saal aur door ho gaya, kam se kam.
Aur sabse bura? Har baar bike dekhta hoon toh khushi nahi aati. Guilt aati hai. Woh matte-black beauty jo kabhi sapna thi — ab woh ek ₹6.5 lakh ka monthly reminder hai meri apni impatience ka.
Dost, agar tum bhi aise hi kisi mistake mein phanse ho – bike, car, stock tip, ya kisi aur cheez mein – toh comment mein apni story share karo.
Bike abhi bhi meri hai. Aur har baar dekhta hoon, sochta hoon — “Kash maine pehle socha hota.”
Share this story with that one friend jo abhi “EMI le le” bol raha hai.
Yahan koi judge nahi karega. Sirf seekhenge aur dusron ko bachayenge.
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