印度债务、投资与储蓄报告2026

Getting by or getting ahead?Debt, investment,and savingsreport2026 /Research Reality Contents 3Foreword4Report takeaways5Financial position: Under pressure but still saving9Financial outlook: Despite pressure, optimism prevails13Debt is common, but mostly manageable20Investment behaviour: Willing but not always able25Brand implications26Methodology Foreword Financial pressure is high among urban Indians, but belief that they get ahead andwillingness to act remain strong. While more than half (53%) are “just keeping up” or “fallingbehind”, the majority believe that some combination of saving and investing canmeaningfully improve their financial situation. These attitudes are reflected in financial behaviour. Many are saving more regularly andcutting back on non-essential spending. However, some have also dipped into their savingsto cover everyday expenses. Debt is common but manageable for most of our respondents and used mostly forunexpected expenses. Investment participation is relatively high but is often limited byfinancial capacity. This report explores how Indians living in cities are navigating financial pressure whileplanning for the future and what it means for saving, borrowing and investing. Edward Cessario HutasoitGeneral Manager, YouGov India and Indonesia Report takeaways A large majority (71%)believe that somecombination of saving andinvesting will improve theirfinancial situation whileonly 10% feel it’s beyondtheir control. More then half of urbanIndians (53%) say they are“falling behind” or “justabout keeping up.” Thiscompares to 36% who saythey’re getting ahead oralready ahead.indicating relatively lowlevels of financial distress. Around 20% have no cashsavings and another 24%have less than₹1,00,000,restricting their ability toinvest regardless ofinterest. Around 52% of urbanIndians have some form ofdebt, and 70% say it ismanageable, although30% report difficulties. Two thirds of urban Indians(66%) hold some form ofinvestment, butengagement is muchhigher among those whobelieve that investing is anecessary factor inimproving their financialsituation. Financial position:Under pressurebut still saving More urban Indian consumers are falling behind orjust keeping up than getting ahead. Where are people fallingbehind financially? Where arethey getting ahead? More than 1 in 3 urban Indians (36%) say they're either slowly gettingahead or already comfortably ahead. More than half of them (53%) saythey’re falling behind or just about keeping up. More urban Indians are under pressure than gettingahead Thinking about your personal finances, which of the following best describes your situation today? (Nat rep) 14% 19% While many aresaving more,many are alsocuttingspending In the last 12 months, which of the following have you done because of yourfinancial situation? Please select all that apply. (Nat rep) In the past year, 29% of urban Indiansstarted saving more regularly and 16%started investing. However, thesesigns of financial stability arebalanced by the many who havetaken defensive actions, such as the23% who have cut back on non-essential spending and 20% whodipped into their savings to covereveryday expenses. Financial outlook:Despite pressure,optimism prevails The majority (71%) of urban Indians believe that somecombination of saving and investment will be enoughto improve their financial situation. “What would it take for you to get ahead financially?” Most urban Indians (71%) think that some combination of saving, money management and investment will be enoughto get ahead. Only 10% think that improving their situation is beyond their control. 4% 6% 38% 33% “A majorinvestment breakor windfall” “Careful saving +reasonableinvestment returns” “Careful moneymanagement andsaving” “Getting ahead isunrealistic” Waiting for a bigbreak Saving + investment Unrealistic Savingalone 17%“I don’t really think about 'getting ahead' financially”Indifferent Aspiringhomeownersbelieve they willeventually buy ahome Which of the following best describes how you feel about owning a home foryourself? Around 43% of urban Indians do notyet own a home but hope to in thefuture. Of these, two-thirds believethat they will be able to. Many (45%) already own a home. Profile spotlight:Saving + investment to get ahead Male:56% Female: 44% Compared to male:52%,female:48%forNat rep 42% 51% are either “slowly getting ahead” or“comfortably ahead”Compared to36%ofNat rep Choose medium-risk optionsCompared to43%ofNat rep 33%of Indians believesaving + investmentwill help them getahead 48% 50% Compared to32%of Nat rephave₹5,00,000+ invested insome form have₹1,00,000+ in cashsavingsCompared to35%Nat rep Debt is common,but mostlymanageable More Indians use debt for everydayexpenses than to invest in the future. Around half(52%) of urbanIndians carrysome form ofdebt This is fewer than in the U.S. (58%)where debt is more widespread butcomparable to Great Britain (54%). Get in