When can you call yourself RICH in India? [SURVEY of 381 people]

POSTED BY manish ON August 20, 2015 COMMENTS (88)

Are you RICH or not? Do you have enough income or networth, so that others will consider you RICH in India? This is all this post is about.

I was day dreaming about get RICH few days back (I do it every week) and visualising how much should I earn so that I can call myself as RICH and how much net worth I should have, so that people would start considering me RICH? Is it 1 crore or 10 crore ? Is income of 5 lacs a year or 20 lacs will make me look RICH in others eyes?

Are you RiCH

So, I created a survey around this topic and 381 people took that survey. But before I share the survey results below, note that the group which took this survey does not represent the common man on street. This survey is mostly taken by net-savvy high-income earners, which only represents the higher income group. These people are on web, work in big companies and are considered to be doing very well in life by society.

How much Income makes you RICH ?

One of the questions asked in the survey was – “In India, How much yearly income one should earn, so that you will call him RICH ?” . Below are the results

RICH in India - by Income

As you can see above, only if you are earning more than 20 lacs a year, most of the people will consider you as RICH, otherwise you will be seen as middle class which is a very big range and not defined at all in our society. People earning 1 lac a year, 5 lac a year and 12 lac a year – they all call themselves as “Middle class”. Let me share some important stats with you on income.

As per a website www.globalrichlist.com if you earn the income of 10 lacs a year, you would be in top 0.22% of the population globally. Can you believe that !

globalrichlist ranking for India

This means that if there are around 1000 people in the world, almost 997 people earn less than you if you earn Rs 10 lacs a year. Hence, you should be quite happy about this fact, but obviously we don’t think that way. We look at people above us and keep cursing how bad we are doing in life.

What networth makes you RICH in India in other’s eyes?

The next question I asked was – “In India, How much networth a person should have, so that you can call him RICH ?”. Below were the results

Are you RICH india by networth

If you look at the chart above, only 1 out of 4 people will call you RICH if you have 2 crores of networth in today’s value. 48% people who took the survey feel that anything above 2-10 crores is a good networth to be called RICH. Some even said 50 crores and 100 crores.

Forget crores! . What if you have a net worth of 100,000 Dollars or just approx Rs 60 lacs in wealth ? How rich are you?

As per a research published in 2013 by Credit Suisse, if your net worth is above Rs 60 lacs, you are among the richest 8% in the world and richest 0.4% in India. Think once again !

Out of every 1000 people in country, 995 people are below you in terms of net worth. I know some will say, that there is black money and many are there who do not disclose their income. Yes – that’s true, but we can’t find out how many are there like that. Even if you consider that, still you would be doing very very well.  Below is the snapshot from the report.

How rich are you because of your networth

Note that – we are not talking about ASSETS here, but Networth, which is ASSETS – LIABILITIES. A lot of people hold real-estate whose value they consider, but they forget to account for the home loan and other liabilities. So a lot of people who feel they have high net worth actually don’t have it.

Along with most countries in the developing world, personal wealth in India is heavily skewed towards property and other real assets, which make up 86% of household assets. 

- Credit Suisse Report 2013

But feeling RICH is a state of mind

I know a lot of people will say that “feeling rich” is a state of mind and we should not just evaluate it with money. Agree to that. I am of the same opinion that it’s not others who will decide if you are RICH or not, but only YOU.

But thats not this article is all about. We are purely look at how others perceive your RICHNESS by income and your wealth.

Most of the people are not happy with their current status

Let me give us some interesting information. If you have low income or networth and you are not happy about it. You should know that majority are like you only, even though they are on high income.

I asked another question in the survey – “Are you happy with your current Salary and Networth ?”

Guess what was the result?

On an average, most of the people are not happy if they are earning less than 10 lacs a year. I can understand that 10 lacs a year is not a very high income these days, especially in big cities. And if you consider the expenses, home loan EMI, education costs and lifestyle expenses, a lot of people are literally struggling to keep pace with rising expenses.

What looks a great salary to people in small cities, is not that amazing in big cities these days. Here is the result of survey, showing you how many people are happy or unhappy about their current income and net worth.

income and happiness

If you see people in higher income bracket which is more than 10 lacs a year, almost half of the people said that they are happy and another half said they are not. But one thing is very visible that in the higher range of income, most people said they are happy (I am not sure if they are really happy or not, but they said they are) compared to the people in lower range of income. To some level, we all can relate to it.

You are doing well at absolute level

After I did this article, I got a feeling how much our lives have got messed up due to money. We are literally lost in this world with the sole objective of earning money. You should be more happy about what you have achieved and not be unhappy about what you have not earned.

I am not saying that you should not be aspirational. Surely, you should have a higher target each year, but dont feel unhappy about what you have created till date. Let’s slow down a bit.

Wealth is important, very important, but also cherish and be proud of how you have done well till date compared to millions of others who are struggling in life due to money issues

You are way ahead of majority. Congratulations for that.

Let us know what you think about this whole article. What are your thoughts on who is RICH? What’s you definition of RICH in your own terms?

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88 replies on this article “When can you call yourself RICH in India? [SURVEY of 381 people]”

  1. Navneet says:

    Some people are born stupid. You are one of them.

    1. Thanks for your comment Navneet

    2. Rajesh says:

      Navneet,
      Atleast have some basic manners and how to write in public, even if you dont agree with what the article says, you should say that you dont agree with it and give your disagreement.It shows your Immaturedness.

  2. Ankur says:

    I have 10 lakh rupees if I give this money to my mother and they invest it in FDR then interest received will be their income and I can save tax is that possible. Pls guide

    1. It will be their income

  3. nitin says:

    ye sab faltu hai.ye manish chauhan hi faltu aadmi hai.tu kaun hota hai ye decide krne wala ki hm aamir hai ya nahi

  4. Nandkishor says:

    Hello sir, im Nandkishor (last year polymer science student) Can i get rich in india if i do 5-7 Years job in abroad ? I wants to set up buisness in our country.

    1. I dont think its so straight forward !

  5. Remo says:

    You say 85% of the people consider you rich if you earn more than 20L pa. But according to your data,
    no. of People consider you rich if you earn:
    more than 1cr 30%
    more than 50L 31%
    more than 20L 24%
    more than 10L 12%
    more than 5L 3%
    And on basis of this you say 85% consider you rich if you earn more than 20L, but adding up these 3 values seems wrong, consider a person earning 24L, only (3+12+24 =) 39% of the people would consider him rich, not 85%

    Sorry for this small nitpick, The overall message of your article is priceless.

    1. I will change that. Its a mistake from my end !

  6. Anon says:

    This question cannot and should not be decided based on opinions, that is totally useless as data since it only gives idea of what people think and not on how they measure.
    One thing we can all agree is that one can be considered rich if he/she doesn’t have to work for a living.

    1. Hi Anon

      I am not sure if many people will agree to you, but I agree 🙂

  7. Veeresh says:

    Simple and pragmatic article on a simple survey! Brings out good insights beyond hypothetical statements!

    1. Thanks for your comment Veeresh

  8. Sameer says:

    I feel anyone earning more than his/her need or requirements is a rich person……I repeat anyone earning more than what their spouse can spend is a rich person. and I don’t know whether it is achievable ever or not.

    1. Thanks for your comment Sameer

  9. Ravi says:

    Hello Manish,
    Unknowingly I have deposited about 23 lakhs as fixed deposits. Is there anyway now to avoid tax when it gets matured ?

    1. NO ,there is no way of saving tax on that

      1. Ravi says:

        Thanks!!!

        1. Ravi says:

          But Manish, Could you please suggest me a saving option where I would get guaranteed 8% returns on this. I am not planning to touch this until 15 yrs from now.

          Thanks in advance.

          1. vipul says:

            Put this money in PPF then

  10. Abhi says:

    And yes the villa has cost me INR 75 Lakhs !
    And I am a ” Sarkari Company” employee.

  11. Abhi says:

    My gross salary for last year was 20 Lakhs something. I bought a 3500 sq ft villa at Jaipur, for which I have an EMI of 26500/-. Now My in hand salary ranges from 50000- 80000 per month.
    I am more then happy.

    1. Thanks for sharing that Abhi

  12. AshwaniChouhan says:

    Thanks Manish for useful information you provide us and an equally interesting topic to talk about. Measuring happiness on the parameter of money or richness scale is a complex idea. Simply said “Money does not necessarily makes you rich or brings happiness but happiness definitely can make/motivate you to become happy and rich”. From very humble beginning to sending kids today to renowned school, my journey was satisfying and happy. But i feel what bothers people is the uncertainty in the continuity of their present state of income and their ability in controlling it !!

    1. Hey AshwaniChouhan

      Thanks for sharing your experience with all of us. It was a great learning.

      Manish

  13. Krish says:

    I would say anyone would feel rich if they are saving decent money after all expenses. If one does not have back up (parents support, inheritance, own savings), continuing in job just to meet the monthly bills would create extreme unhappiness and make one feel lot unhappier.

    My salary moved from 20 lacs category and let me share my story. Irrespective of my income, I was happy in all my jobs. But was unhappy in life due to my loans which I could not clear off due to low income. Felt top of the world when I became debt free. My definition of rich is simple that one should have savings and debt free that includes no home loan.

    1. Thanks for sharing your story and your views on this topic Krish . It was a great comment to read

  14. J says:

    Happiness is a state of mind.

  15. Prabodhan says:

    Whatever someones income would be, if he is not complaining about increasing price of onion, then we can call him RICH. (Based on todays situation)

    1. Loki says:

      Well Said brother…….!!

    2. Thanks for your comment Prabodhan

      1. Prabodhan says:

        Hi Manish,

        Can I have your official email Id? I have personal message for you.

        Regards,
        Prabodhan

  16. Shakil says:

    https://www.youtube.com/user/FinanceTubebyVishalT/featured. Apart from reading the blogs, I feel the best way to learn finance is to watch videos. This is one good channel, I think you can subscribe to.

    1. Hi Shakil

      Thanks for your sharing your valuable comment on this topic. Please keep sharing your views in future also

      Manish

  17. Pankajphukan says:

    Yes Dr. Manish , it’s truly eye opener…but we have have those eyes ..which we unable to keep open …so shuts down very early…
    Anyway a very nice and worthy publish..

    1. Glad to know that Pankajphukan ..

  18. ajay says:

    If your net worth is 10000000 (one crore) than u r 1 and all other is 0000000 so without u the result is big zero. The best assets is u r (THE 1) so be happy.
    very nice article, the information is healthy.

    1. Thanks for your comment ajay

  19. Aakash says:

    A well written article, although you need to change interpretation of statistics. Nevertheless, i was wondering myself just some time back only as to at what income level would i consider myself satisfied. While i cannot say for others, i have noticed over the last 5 years (working life), that although each year my income increases yet satisfaction level does not increase by that much.

    A part of the reason lies in increasing expenditures, 5 years ago, i was content with a bike but now i have bough a car. Earlier, i was happy with eating out at a normal place, now i’m kinda of used to going out to relatively expensive places. My point being the income-expenditure equation remains the same uptill a certain income level. The difference not increasing majorly over any year our satisfaction levels remain low.

    Yet, i think we should have some holistic thinking. While evaluating where we have come, we should evaluate not only our future savings but our future aspirational expenditures as well. I believe, it’ll lead to a more peaceful life.

    1. Hi Aakash

      Thanks for your sharing your valuable comment on this topic. Please keep sharing your views in future also

      Manish

  20. MOHAMMAD QADEER KHAN says:

    Doctor manish Vaish
    I read this survey and find out the interesting mindset of people for Richness..

    1. Hi MOHAMMAD QADEER KHAN

      Thanks for your sharing your valuable comment on this topic. Please keep sharing your views in future also

      Manish

  21. Pardeep says:

    RICH is state of mind, very much agree with the point.

    People put their whole life for earning money so that they can reach to a level where they feel RICH.. but when they look back, their life is gone.. what you will do (as a rich) if you are not able to enjoy the money.

    Spend your life to earn Badaam but when the eating time will come you will notice that you lost your teeth 😉

    1. Ramneek says:

      In your youth and working life you can at least chew badaam. Try eating badaam in old age when you have no teeth …!!

    2. Anjan says:

      Ah sadly unless you run into some wealth at a very young age, this turns out to be the story of all our lives. When we are young and capable of really enjoying all that life has to offer with very few responsibilities, we don’t have the money to do so and hence waste away our youthfulness aimlessly working for money.

      When we actually have a sizable asset, its too late in life, all the youthfulness is gone, you are loaded to the hilt with responsibilities and your life is not yours anymore. Hence all the money in the world is of no use at this stage. Everyone will just advise you to save whatever you can for those retirement years. Basically you just resign yourself to counting the days till you die after that.

    3. Hi Pardeep

      Thanks for your sharing your valuable comment on this topic. Please keep sharing your views in future also

      Manish

  22. TS says:

    Very touching and eye opening article. Its important to stop, pause and look back upon what you’ve achieved and congratulate and give yourself a pat your back. This will motivate and inspire you for the next leg of your journey. You should rejoice on the good things you’ve done like how you regret on your mistakes and shortcomings in your life.

    1. Hi TS

      Thanks for your sharing your valuable comment on this topic. Please keep sharing your views in future also

      Manish

  23. Shivaswamy says:

    Manish,

    Nicely written. I liked it. Especially what you felt after you did the article.:)
    I concur with you.. better we go slow or pause a bi to reflect.
    How about ‘an article on How happy you are?

    Keep up the good work, Manish.

    1. Yea , will do an article very soon on that topic as well

  24. spicerjet says:

    Its one of the unusual articles with fantastic mix practical thoughts and emotions which make you introspection. Specially to mention, last point is very crucial. Be happy, so that it can give you confidence to aspire and gain more! Thanks Manish for those thoughts.

    1. Thanks for your comment Spicerjet

  25. Gowrisankar says:

    Interesting and Insightful analyses indeed.
    Try giving it a further value-adding twist by taking into account intangible assets as well for a better comparison, why not eh?
    Foremost and most widely accepted as important, let’s start with and value our health. Try associating monetary cost values for common lifestyle diseases – say diabetes, hypertension, cholesterol, obesity etc. The normal health check-up, monitoring and cost of medicines both for sustainable as well as curative healthcare- have a cost tag associated with them. This is the cost you avoid incurring if you stay healthy – you may also call it cost avoidance in more technical parlance, but this quantum of money remains in your bank account if you are healthy, but does not if you are otherwise.
    Now, let these annual values be deducted from annual incomes of those who consider themselves to be dependent on clinical healthcare and be added to the annual incomes of those who consider themselves to be healthy. The addition is to ensure comparison on an even scale. The cost of clinical healthcare can be varying across different economic classes since it is a matter of individual choice and availability in their respective environment.
    Next come needs that are not necessarily basic to human life – say smoking, tobacco in various forms, alcoholism, drugs, gambling etc. Expenditure on most conspicuous consumption fall in these categories – be it obsessive and compulsive spending on dress and makeover, disco, partying, online shopping, addiction to automobiles and electronic gadgetry, religious spending, spending on social service, brand-conscious spending, show-off splurging. Assuming all these are pursued for being in their respective states of normal selves – one can calculate an avoidance cost for each of these category – and it needs to be deducted from those who say yes to them; but need NOT be added to those who stay away from them.
    The above may perhaps explain why some remain eternally discontented and how some could always seek content in whatever they do.

    1. Thats a very valid point. I was also going to write an article on this aspect that living healthy is not just a lifestyle decision but a money decision as well

  26. Samir marghade says:

    Manish very interesting read . the measurement of any country progress is calculated using GDP . where as for happiness another quotient is GNH . gross national happiness . for ex Bhutan is a very happy nation and people all over world are looking up to it for being happy .

    1. Hi Samir marghade

      Thanks for your sharing your valuable comment on this topic. Please keep sharing your views in future also

      Manish

  27. sam says:

    income and rich doesnt make sense.. as you are not considering the the expense. if we consider the saving ( income – expense) that would be the ideal factor for RICH . if you spend all you earn ..doesnt matter how much you earn .. you still be poor.On the other hand a low income person can accumulate the same wealth as a higher income if their net saving/ investment are the same.

    1. Gabriel Nadar says:

      Good observation sam

    2. Sammy says:

      Good point. Another important stat noted in the article about real estate being the primary or only asset for investors in India. That makes people asset rich but cash poor. Having asset diversity in equities and other instruments provides liquidity and improves on the Richness effect.

    3. I know that. We are talking about how others percieve you . Others see your income and make an opinion. The logic is that they should not, but we are not talking about that in this article 🙂

  28. Ujjwal says:

    Manish, We should not consider the Indian data as we have 65% people who are dirt poor and struggle to get food everyday. If you consider the data of urban educated mass then the data will look very different. Similarly the Global data is skewed by the poverty of Asia, Africa and South America… Thus being part of the 0.22% population means nothing… You still feel you can’t satisfy your genuine need.

    1. Gowrisankar says:

      Insightful analyses indeed.
      Why not give it a further twist to it by taking into account intangible assets as well for a better comparison, why not eh?
      Foremost and most widely accepted as important, let’s start with and value our health. Try associating monetary cost values for common lifestyle diseases – say diabetes, hypertension, cholesterol, obesity etc. The normal health check-up, monitoring and cost of medicines both for sustainable as well as curative healthcare- have a cost tag associated with them. This is the cost you avoid incurring if you stay healthy – you may also call it cost avoidance in more technical parlance, but this quantum of money remains in your bank account if you are healthy, but does not if you are otherwise.
      Now, let these annual values be deducted from annual incomes of those who consider themselves to be dependent on clinical healthcare and be added to the annual incomes of those who consider themselves to be healthy. The addition is to ensure comparison on an even scale. The cost of clinical healthcare can be varying across different economic classes since it is a matter of individual choice and availability in their respective environment.

    2. I agree. so even if you dont consider 65% people , in that case you are 0.22% in 35% , which would be still top 1% ? Right ?

  29. Jagadish says:

    Thoughtfully written article & a meaningful survey in today’s time when everyone is inevitably a money slave whether they agree or not.
    As far as I am concerned am always thinking 24/7 to up the ante with respect to my net asset.
    In today’s market driven society where basic needs of life like food, health, education, home, marriage etc are solely dependent on money, it’s imperative that we are bound to think about accumulating it.
    I agree that happiness is state of mind, provided it’s driven by money.
    Someone said long back that money cannot buy happiness, but I want to add here that at least money can make your misery pleasurable.

  30. Shantanu says:

    Hi Manish,
    Overall article is great.
    Just that I found conclusion of the 1st chart a bit wrong.

    Wrong Statement : “85% people said they will consider a person RICH if they earn more than 20 lacs a year”

    Reasoning: Out of those 85% people, 31% people say that person is rich only if earns more than 50lacs a year and 30% people say that person is rich only if earns more than 1cr a year.
    So these 30+31=61% people don’t consider person earning more than 20lacs as a rich person.

    Conclusions from chart are as follows:
    3% people say a person is rich if earns more than 5lacs a year
    3+12=15% people say a person is rich if earns more than 10lacs a year
    15+24=39% people say a person is rich if earns more than 20lacs a year
    39+31=70% people say a person is rich if earns more than 50lacs a year
    70+30=100% i.e. All people say a person is rich if earns more than 1cr a year

    So you can take 2nd last statement as a conclusion i.e.
    70% people say a person is rich if earns more than 50lacs a year

    It will add up more value to article as this statement will raise the bar for people’s satisfaction level corresponding to earnings per year 😉

    1. subhash says:

      You are correct Shantanu, jagoinvestor made an incorrect analysis. sorry to see that.

      1. Gabriel Nadar says:

        Good analysis shantanu..

    2. Sammy says:

      Shantanu..your analysis crossed my mind while I was reading the article.
      What would be your similar analysis on the net worth numbers?

    3. Tapas says:

      Shantanu,
      I think what Manish wanted to say that more than 85% people consider 20L or more (At least 20L) to be considered as RICH. But at the same time are we expecting too much as per the other global statistics mentioned by him.

    4. Yes , you are correct Shantanu. I need to revise my numbers

  31. Gopi says:

    Earnings less than 5 lacs & 13% of that happier bunch is where I belong. The scale for measuring ‘ is/being rich’ is relative, the bar is raised as soon as you accomplish one , you will always find someone wealthier/richer in the scale and this race is endless. Like “Gabriel” said I gauge my wealth and growth with reference to earlier “me”.

    Having said that, I do aspire for better things in life, work hard for my career growth and become financially independent. Its just that I take on things in a linear fashion and make sure, I am not burning out in the process. This way satisfaction levels are also convincing too.

    Well, financial success alone cannot become my life’s purpose. There are so many other things to experience and enjoy in life. I’ll take a day off to spend some time with my parents, make efforts establish a good social life with my friends & peers (outside fb which is rare & special these days), take time off to pursue my hobbies and list could go on.

    By definition of “Being rich” will vary person to person & from their school of thought.
    In golden years, its okay for me to have financial regrets than few personal & emotional ones.
    A stress free, well balanced and meaningful life is “Richness” for me.

    Thanks!

    1. Hi Gopi

      Thanks for your sharing your valuable comment on this topic. Please keep sharing your views in future also

      Manish

  32. Nikhil says:

    Well, there are two questions here. Being rich and being happy.

    I would argue that if your passive income is more than your expense than you are rich irrespective of what your passive income is. To illustrate, say that my expenses are 20k p.m. then I should have investments of at-least 25-30 lacs, so that a very risk averse portfolio will fetch me my 20k p.m. with ease. Now this is assuming nothing ever changes which is also incorrect. So as your expenses increases so should your investments.
    According to me, when you achieve the above state, you no longer depend on your salary for your survival. And thats RICHNESS for me.

    Now coming to happiness. It can’t be answered objectively as each person has its own views regarding happiness. For instance my friend in working day and night out in a top MNC, earning 25 lacs per year is not happy while my other friend teaching school children earning just 20k p.m. seems relatively content. For me 20k p.m. seems sufficient to meet my basic needs of food, shelter, clothes, fun and travel in Bangalore. It may change with time and will vary a lot for different persons.

    Now my PUNCH line: As long as you seek other person’s approval, praise and dismissal with your own perception of happiness, mark my words one will never be happy. That explains why 13% people earning less than 5 lacs are happy while 52% people earning more than 20 lacs are unhappy. Its a individual feeling and a mass survey will not yield very decisive results.

    PS: I don’t include child’s education, home laon emi etc in my expenses. Its the bare basic need, which again is subjective. But for me living in Blore, 20k works out quite well.

    1. Patil says:

      Good points Nihil.

    2. Hi Nikhil

      Thanks for your sharing your valuable comment on this topic. Please keep sharing your views in future also

      Manish

  33. Gabriel Nadar says:

    Manish your absolutely right, that’s what I tell my friends don’t compare yourself with others because their background and family financial condition is different, think what you had since childhood in terms of lifestyle and money and now what you have, I can give my eg I am from a slum of Mumbai, my house is a 100 sq feet slum house in that I studied and completed my graduation in 2005, I never carried a single rupee in my pocket while going to college as my father had very low income, in 2005 my father salary was 5000…after graduation I was not able to get a job for few months than in august 2005 I got a job in icici bank and my starting salary was 6k and next yr it was 10k, now in 2015 its almost 50k and I stay in rented apartment in Mumbai so these are achievements…but If I compare myself with my friend who have their own flat, some are earning 1 lac a month I feel depressed…

    Few days before I met my friend who still resides in slum he is a graduate and lost his job and he is not even able to get a job with a salary of 10000 so we have very extreme situations…

    We should try and try, sometimes it happens even after genuine effort you may not get what you intend to get still try because that’s what you can do…making your best effort is a reward in itself…

    1. Ravi says:

      Inspirational. Well done. I agree with you, consider what you have and sharing it with loved ones will give immense satisfaction.

    2. Patil says:

      People with average income seem to be more contentious than the richer ones.

      1. Ravi says:

        contentious ?

      2. Patil says:

        Not contentious. It’s content.

        People with average income seem to be more “content” than the richer ones.

        Apologize for the spelling error.

        Thanks Ravi for correcting.

      3. Thanks for your comment Patil

    3. That was very inspirational story Gabriel ! ..

  34. Vikas Arya says:

    I also feel the same that we are lost and think all the time about money. Money is important but not everything!!

    1. Glad to know that Vikas ..

  35. Mukesh says:

    Dear Sir,
    Great Inspiring Article with essence of Indian philosophy . Thank You

    1. Thanks for your comment Mukesh

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