It was my regular train journey home from work. I boarded the 18:50 PM train from Church Gate. When the train was about to leave Marine Lines, a Samosa vendor with an empty basket got on and took the seat next to me.

As the compartment was sparsely occupied and my destination was still far away, I got into a casual conversation with him.

Me: "Seems like you've sold all your samosas today."

Vendor (smiling): "Yes. By Almighty's grace, full sales today."

Me: "I really feel sorry for you people. Don't you get tired doing this tiresome job the whole day?"

Vendor: "What to do, sir? Only by selling samosas like this daily we get a commission of 1 rupee for each samosa that we sell."

Me: "Oh, is that so? How many samosas do you sell on an average each day?"

Vendor: "On peak week days, we sell 4,000 to 5,000 samosas per day.
On average, we sell about 3,000 samosas a day."

I was speechless.... for a few seconds. The guy sells 3,000 samosas a day at 1 rupee commission each, Hence makes about 3,000 rupees daily. That's Rs. 90,000 pet month. OMG.

I was curious hence I intensified my questioning and this time it was not for time pass.

Me: "Do you make the samosas yourself?"

Vendor: "No Sir. we get the samosas through a samosa manufacturer
And we just sell them. After selling we give him the money.
He gives us 1 rupee for every samosa we sell."
I was unable to speak a single word more but the vendor continued...
"But one thing...most of our earnings are spent on living expenses here in Mumbai city.
Only with the remaining money are we able to take care of other business."

Me: "Other business? What is that?"

Vendor: Land business... In 2007 I bought 1.5 acres in Palghar for 10 lakh rupees and I sold it a few months back for 80 lakhs. Now I have bought land in Umroli for 40 lakh rupees."

Me: "What did you do with the remaining amount?

Vendor: "Of the remaining amount, I set aside 20 lakhs for my daughter's wedding. I have deposited the other 20 lakhs in the bank, post office, mutual funds, gold and cash back insurance."

Me: "How much schooling have you had?"

Vendor: "I studied up to third standard. I stopped my studies when I was in the 4th standard.But I know how to read and write.

Sir, there are many people like yourself, who dress well, wear a tie and suit, wear shoes,speak English fluently and work in air-conditioned offices. But I don't think you guys earn as much as we do wearing these old dirty clothes, selling samosas."
At this point, what could I reply. After all, I was talking to a True Indian Millionaire!
The train chugged into Khar station and the samosa vendor got up from his seat.
Vendor: "Sir, this is my station...have a good day."
Me: "Take care."