[26M | Chennai] Job vs Proven Business Opportunity – Is It Too Risky to Jump Now?

Hi folks, I’m 26, based in Chennai, and I’m stuck between two paths — need your advice!

I have 2 years of relevant experience as a Java trainer, but recently transitioned into a Business Analyst/Operations kind of role in a growing ed-tech company. They run 15+ branches across TN, BLR & Dubai – offering job-oriented courses in IT (web dev, data science, BA), Mechanical/CAD, Civil, ECE/EEE, 3D animation, etc. 200+ employees total. The business is solid. It's a group of companies, they also expanded towards interior design, construction, etc. But my side is ed-tech as of now.

The opportunity: One of the directors (also my friend) offered me a chance to co-invest ₹20L (he’ll match it) and start a new branch in Chennai. Each branch currently makes between ₹6–25L/month. They already have a working sales, marketing, and ops system — so my risk and workload are low after the first 6 months. I just need to run it initially, stabilize it, and can later scale more or step back.

My Dilemma:

I was planning to look for a Business Analyst job, but those roles aren’t paying more than ₹30k–₹50k starting, and interviews are tough.

If I take the business route, I’ll have to take a loan (₹20L), and I will be paying EMIs myself. I would earn at least ₹1L/month. (Family is financially stable — no burden).

Marriage is a few years away, and I’d rather be financially solid before that.

I’m scared that if I wait too long, my friend will expand without me — he’s already super busy and won’t pause for me.

So here’s what I want to know from you all:

Should I take this risk and jump now, or get a job and wait for later and then invest cuz eventually I was planning to join only?

What should I negotiate with my friend — share %, profit %, decision-making rights?

If I do take the plunge, what safety nets or backup plans should I have?

Any practical advice or shared experiences would be massively appreciated 🙏 Thanks in advance!