India's SAVINGS CRISIS: Why 95% Can't Save Money?! | Ankur Warikoo Hindi
Published: 2025-11-22
Status:
Available
|
Analyzed
Published: 2025-11-22
Status:
Available
|
Analyzed
Predictions from this Video
Incorrect: 2
Prediction
Topic
Status
Property prices have outpaced income growth in India over the last decade.
"Property prices in the last 10 years have grown at an average of about 8%, which is not a lot. But if you compare your income with yours, your income has grown at an average of 6.3%, which means your salary is not growing as fast as property prices."
Correct
28% of credit card holders are defaulting on payments, indicating significant financial stress.
"an important metric which is credit card NPS non performing assets, those people who start defaulting, they cannot pay even for 1 month, they raise their hands saying that they cannot pay at all, that spite to 28%"
Incorrect
A substantial 44% default rate on personal loans under ₹1 lakh occurred between 2023 and 2025.
"Do you know what was the default rate of personal loans below Rs 1 lakh from 2023 to 2025? 44%."
Pending
Approximately 19% of suicides in India are linked to financial stress.
"But approximately 19% of all suicides happening in this country today are related to financial stress."
Pending
Despite an 8% return on savings, an estimated 8-10% inflation means a real loss of 2-3% in value annually.
"I can confidently assure you that your lifetime inflation is at least 8%. In fact, it is around 10%. Which means every year that you keep your money in something that is giving you 8% which is quite high. Yes. By the way, you are losing anywhere between two to 3% of value."
Incorrect
Individuals with in-demand technology skills can expect salary increments of 16-18% annually.
"The average increase and increment for people with the technology skills required in today's world is between 16 to 18%."
Correct
The Nifty 50 is projected to yield an average return of 12-13% over a 10-year period.
"even in the basic safest Nifty 50, then over a long period of time, say 10 years, you will get a 12 to 13% return."
Pending
Mid-cap stocks are expected to provide an average annual return of 14-16% over the long term.
"If you go to mid cap then on an average 14 to 16%"
Pending
Small-cap stocks are projected to deliver an average annual return of 17-19% over the long term.
"if you go to small cap then on an average 17 to 19%"
Pending
A SIP of ₹10,000 per month, stepped up by 5% annually, with a 15% return, will grow to ₹31 lakh in 10 years, with ₹16 lakh in earnings.
"If you invest for 10 years then see what happens. You have invested ₹1 lakh yourself and on top of that you have earned ₹16 lakh, so the total is ₹31 lakh, not bad at all"
Pending
Continuing the same SIP for 20 years will result in a total of approximately ₹1.8 crore, with ₹1.37 crore in earnings.
"if you multiply this 10 by 20, the madness starts, you have invested ₹40 lakh yourself but you earned 1 crore 37 lakh, so the total you will have will be around 1 crore 80 lakh"
Pending
Extending the SIP for 30 years will result in a total of ₹8 crore, with ₹7.2 crore in earnings.
"if you do the same thing for 30 years, then blind money, you have invested 80 lakh yourself but the total you have will be 8 crore."
Pending
₹1.4 crore in 30 years will have the same purchasing power as ₹1.4 crore does in 2026, implying a significant erosion of value due to inflation.
"1 crore 40 lakh, do you know what it means? It means that whatever you can do with Rs 1 crore 40 lakh today in 2026, you will be able to do the same thing even after 30 years."
Pending
A ₹5,000 monthly SIP, stepped up by 5% annually and growing at 15%, will result in ₹4 crore after 30 years.
"Started with SIP of Rs 5000. Increased from 5% to 15% over 30 years. You have 4 crores. Ok? So you saved ₹4 crore."
Pending
Monthly expenses of ₹1 lakh (₹12 lakh annually) will increase to ₹16 lakh annually by age 60 due to inflation.
"When you started spending at the age of 60, ₹1 lakh i.e. ₹12 lakh per month has increased to ₹16 lakh due to inflation. So now you have withdrawn ₹16 lakh in the first year."
Pending
A retirement corpus of ₹4 crore, invested to yield 15% and with a 6% annual expense increase, can sustain ₹1 lakh monthly expenses and still leave ₹60 crore at age 90, or ₹17 crore even with ₹2 lakh monthly expenses.
"You passed away at the age of 90. But do you know how much money you have at that time at the age of 90? ₹60 crore. You spend ₹1 lakh every month, let's try two. Even then you will have ₹17 crore at the age of 90."
Pending
The AI revolution is disrupting jobs, but also making many processes cheaper, faster, and better.
"The Third Revolution That Is Hitting Us Today Is The AI Revolution. Because now many jobs are being disrupted due to AI. But a lot of things are getting cheaper, faster, better."
Correct
Individuals who effectively leverage technology and AI in their work will see their income grow significantly beyond the average.
"Because the person who knows how to use technology, the person who knows how to work with AI today, who is using his AI tools not just to do his work but to improve his work, is going to move ahead. And his income will beat this 6% by a long way."
Correct
Tier 2 Indian cities like Surat, Bhopal, Indore, Kochi, Chandigarh, and Jaipur are experiencing significant development with improved infrastructure, amenities, and a lower cost of living.
"Surat, Bhopal, Indore, Kochi, Chandigarh, Jaipur. It is incredible. How much development is taking place there? Airports have been built, roads have been built, there are malls, educational institutions, hospitals, the air is clean, the standard of living is good. The cost of living is very very very low."
Correct
Individuals should consider starting a side gig to serve the global market during their free time.
"please think of a side gig along with your job, on your nights, on your weekends, on your holidays, start a side gig and serve the global market."
Correct
AI will lead to decreased costs and increased efficiency across various sectors.
"Because now many jobs are being disrupted due to AI. But a lot of things are getting cheaper, faster, better."
Correct