Rutuja was initiated into music at the age of 5 by her parents Tanuja Lad and Umesh Lad. She has received primary musical guidance from Guruvarya Bhalchandra Paatre.
From the past 11 years she was undergoing training from Gaanayogini Pandita Dhondutai Kulkarni from Jaipur Atrauli Gharana. She also receives guidance on light music from her uncle Shri Sanjay Nadkarni. She also gets musical guidance from Shri Sudhir Nayak. She has also learnt tabla for few years from Shri. Uday Raikar.