New Delhi, Sept. 10 -- A 30-year-old tech professional from Bengaluru has sparked an online debate after seeking advice on whether to invest Rs.2.7 crore in a 3BHK apartment in JP Nagar, South Bengaluru, which is largely funded through a Rs.1.8 crore home loan. His Reddit post on r/indianrealestate quickly went viral, drawing hundreds of responses and highlighting the dilemmas many young professionals face while balancing lifestyle aspirations with financial caution.

The techie, who has lived in South Bengaluru for nearly a decade, explained that both he and his wife earn a combined Rs.5.1 lakh per month. Their household expenses average Rs.60,000-70,000, and they maintain a Rs.20 lakh emergency fund, another Rs.20 lakh buffer, and passi...