Did you know even ₹50 lakh+ earners are struggling to save?

You’d think the high-income earners have it all figured out. Dream homes, fat bonuses, exotic holidays and a tidy retirement plan to top it off. But hold that thought. A recent survey by Saurabh Mukherjee’s Marcellus and Dun & Bradstreet dove deep into the finances of India’s rich and affluent—those earning over Rs 50 lakh annually after tax. The result? Less sparkle, more splutter. Turns out, many of the country’s top earners are walking a financial tightrope. And it’s not due to bad luck; it’s due to bad money habits. Big paycheques, bigger problems India Wealth Survey 2025 reveals a sobering truth: Many of the 465 survey respondents across India are in a hot financial soup. Nearly 43 per cent of HNIs (those earning above Rs 50 lakh per year after tax, save less than 20 per cent of their post-tax income. The number is even less among those aged 30 to 45. Two out of 10 have a poor understanding of investment options. 14 per cent don’t have an emergency fund—no financial cushion despite the

This article was originally published on June 16, 2025.