Archive · 5 Jun 2025
Indian HNIs Under-Saving, Favoring Real Estate: Survey
Many wealthy Indians want to retire early, own homes, and give money to their kids, but they aren't saving enough.
A survey showed that a lot of them put too much money in real estate and not enough in stocks.
They also don't always have an emergency fund.
Financial experts say this means wealthy people in India need better financial planning and advice to reach their goals.
Many Indian high-net-worth individuals (HNIs) save less than 20% of their post-tax income.
Most HNIs aspire to early retirement, home ownership, and wealth transfer.
A significant portion of HNIs rely heavily on real estate investments.
Only 17% of HNIs allocate over 30% of their wealth to equities.
Over half of HNIs seek professional financial planning assistance, particularly for diversification.
- Who
- High-net-worth individuals (HNIs) in India.
- What
- A survey indicated that many Indian HNIs are not saving enough and under-allocate to equities.
- When
- The India Wealth Survey 2025 was conducted recently and published on June 5, 2025.
- Where
- India
- Why
- HNIs' financial planning deficiencies impede the ability to achieve aspirations.
- Survey Authors
- Marcellus Investment Managers and Dun & Bradstreet
- Households Surveyed
- 465+
- Cities Covered
- 28
- HNIs Saving <20% of Post-Tax Income
- 43%
- HNIs Believing in Financial Planning Importance
- 82%
- HNIs Seeking Help With Diversification
- 51%
