How And Where Indians Invest Their Money

Almost 55% of the individual wealth of Indians is in financial assets, while physical assets account for only 45%, reveals the India Wealth Report for 2013.

Karvy Private Wealth estimates that the total wealth will double to Rs 411,51,000 crore by 2017.

Here are some excerpts from the report.

Karvy Private Wealth estimates that…

… the total individual wealth is likely to double to Rs 4,11,51,000 crore by 2017.

… the wealth in property will double in the next three years, not due to the rise in property prices, but higher inflow in this asset class.


… gold, the single largest form of wealth in India, is likely to reduce to 22% of the overall wealth by 2017-18.

…stocks, the second biggest financial asset held by individuals, is likely to see a higher inflow and become the largest repository of wealth.


…fixed deposits and bonds will be the second largest. The two classes will account for 48.8% of individual financial wealth in 2017-18.

…insurance and pension will grow rapidly as defined contribution becomes the norm.



Investment in alternative assets in India is higher, primarily because of the large share of gold in the total wealth.

Investment in debt instruments is the highest among asset classes both globally and in India.

Investment in equity is lower in India compared with the global average. However, the difference is likely to reduce in the future.