I am a 35-year-old Indian.  I have saved 50 lacs rupees after working for 12 years.  How much do other average Indians that are my age have saved?

我是印度人，35岁了，工作12年已经攒了500万卢比。和我同龄的印度人攒了多少钱呢？

以下是Quora网友的评论：

NISHANT YADAV

I'm 18 year old indian from a middle class family . Having medium sized dreams. Currently i took admission in b Pharma after 4 years i want to open a pharmaceutical company . I started saving from last 1 month i have saved 10k . That's it.

我是印度人，18岁，来自中产阶级家庭。我有个不大不小的梦想。现在我入读制药专业，想在4年后开一家制药公司。我从上个月开始存钱，现在已经存了1万了。

Muhammad Atif Saleemy

According to the Reserve Bank of India's Statistical Tables Relating to Banks in India, the average savings balance of Indians aged 35-44 was INR 7.75 lakhs in 2022. This means that you have saved more than the average Indian your age.

Here are some tips to help you continue to grow your savings:

根据印度储备银行对各家印度银行的统计表，2022年35-44岁印度人的平均储蓄余额为77.5万。看来你攒的钱比你同龄人更多。

以下是一些帮助你继续增加储蓄的建议：

Set financial goals. What do you want to save for? A down payment on a house? Retirement? Once you know what you're saving for, you can create a budget and plan to reach your goals.

Automate your savings. Set up a recurring transfer from your checking account to your savings account each month. This way, you'll save money without even having to think about it.

设定财务目标。你存钱是为了什么？付房子的首付？为了退休准备？只要你知道自己存钱是为了什么，你就可以制定预算并慢慢实现你的目标。

自动储蓄。每月从你的支票账户定期转账到你的储蓄账户。这样，你轻轻松松就能省下钱。

Live below your means. Spend less than you earn each month and you'll be able to save more.

Invest your savings. Once you have a solid savings cushion, you can start investing your money to grow it over time.

Get professional financial advice. A financial advisor can help you create a financial plan and choose the right investments for your needs.

量入为出。把每个月的支出控制在收入金额之内，你就能存下更多。

用储蓄进行投资。只要你有了一定的储蓄，你就可以开始投资了，让它随着时间的推移来增长。

寻求专业的财务建议。财务顾问可以帮助你创建一个财务计划，并根据你的需求选择正确的投资。

Remember, saving money takes time and discipline. But by following these tips, you can reach your financial goals and build a secure future for yourself.

记住，存钱需要时间和自律。但只要遵循上述建议，你就可以实现自己的财务目标，为自己打造一个安全的未来。

Nilesh Gonsalves

You question was quite a simple one. Yet, people chose to push their own thoughts on what you should do rather than how much they saved.

So here’s my own version of a straight forward answer. Average Indians at your age do not save enough, not 50 lacs surely, unless their basic need of shelter is already fulfilled by inheritance, or they are in super rich jobs.

I would guess, 15–20 lacs, after all the EMIs including houses, medical insurances, life insurances.

你的问题很简单。但大家更想知道你应该做什么，而不是他们自己存了多少钱。

以下就是我自己心里所想的很直接的答案。你们这个年龄的普通印度人基本没有多少存款，肯定没有500万，除非他们继承了家里的房产，解决了基本的住房需求，或者他们有一份超级高薪的工作。

我猜，普通印度人在扣除购房、医疗保险、人寿保险等等之后的存款大约在150-200万卢比左右。

Arpita Deb

The amount that the average Indian in your age group has saved can vary significantly based on factors such as income, expenses, financial goals, and lifestyle. India is a diverse country with a wide range of income levels and living standards. As a result, there is no one-size-fits-all answer to how much the average 35-year-old Indian has saved.

However, it's important to note that saving 50 lakhs rupees (5 million rupees) by the age of 35 is a significant accomplishment and indicates prudent financial management. Many people may not have saved this much by that age due to various financial commitments and constraints.

根据收入、支出、财务目标和生活方式等因素的不同，和你同龄的普通印度人的储蓄金额可能会有很大差异。印度是一个多元化的国家，民众的收入水平和生活水平各不相同。因此，对于35岁的印度人平均储蓄了多少，没有一个统一的答案。

但值得注意的是，在35岁之前能攒下500万卢比是非常了不起的，说明你非常节俭。很多人在这个年纪是无法储蓄这么多的。

The savings of individuals can be influenced by factors such as:

个人储蓄可能受到以下因素的影响：

Income: People with higher incomes typically have more capacity to save, while those with lower incomes may find it more challenging to save substantial amounts.

Financial Goals: Your personal financial goals and priorities play a crucial role in determining your savings. Some people may prioritize saving for a house, education, or retirement, while others may spend more on immediate consumption.

收入水平：收入较高的人通常有更高的储蓄能力，而收入较低的人可能会发现想要存下大笔资金比较困难。

财务目标：你的个人财务目标和优先事项在决定你的储蓄方面发挥着至关重要的作用。有些人可能会更优先为房子、教育或退休进行储蓄，而另一些人可能更喜欢即时消费。

Expenses: Your cost of living, family size, and lifestyle choices can impact how much you can save. High expenses, such as housing costs and family responsibilities, can limit savings.

Debt: The presence of significant debts, such as home loans or education loans, can affect one's ability to save.

Investments: The returns on investments and the types of financial instruments you use can also influence your savings. Investments can help your savings grow over time.

消费：你的生活成本、家庭规模和生活方式会左右你能存下多少钱。高水平消费，如住房成本和家庭负担等都会影响储蓄。

债务：存在重大债务，如住房贷款或教育贷款，也会影响一个人的储蓄能力。

投资：投资的回报和你使用的金融工具也会影响你的储蓄。投资可以让你的储蓄随着时间的推移而增长。

It's important to focus on your personal financial goals and make savings decisions that align with your unique circumstances. While it's natural to be curious about how your savings compare to others, what matters most is whether your savings are adequate to meet your financial goals and provide financial security for the future. If you continue to save and invest wisely, you are on a good path toward financial stability and future financial goals.

重要的是要专注于你的个人财务目标，并根据你的个人情况做出储蓄决定。虽然想知道你的存款和别人相比是多是少也很正常，但最重要的是你的储蓄是否能够满足你的财务目标，并为未来提供财务安全。如果你持续进行稳健的储蓄和投资，你就走上了通往经济稳定和未来目标的光明之路。

Vishal

The amount saved by individuals can vary significantly based on various factors, including income, expenses, financial goals, and lifestyle choices. It's challenging to provide an exact figure for the average savings of 35-year-old Indians, as this can vary widely. However, I can provide some general insights:

个人存款的多少会因各种因素而有很大差异，包括收入、消费、财务目标和生活方式的选择。要准确统计35岁的印度人的平均储蓄数字很难。但我可以说一些一般性的见解：

1. **Income Disparities:** Savings can be greatly influenced by income levels. Individuals with higher incomes often have more capacity to save. Conversely, those with lower incomes may struggle to save or may have smaller savings.

2. **Cost of Living:** The cost of living varies across different regions in India. People living in metropolitan areas with higher living costs may save less in comparison to those in smaller towns or rural areas.

1. **收入差距：**储蓄金额受收入水平的影响很大。收入较高的个人通常拥有更高的储蓄能力。相反，那些收入较低的人可能很难存下钱，或者储蓄金额较少。

2. **生活成本：**印度不同地区的生活成本不同。和小城镇或农村地区的人相比，生活在大都市地区、生活成本较高的人可能较难存下钱。

3. **Financial Priorities:** Individual financial goals, such as education, homeownership, or retirement, can impact savings. Those who prioritize saving for these goals may have more significant savings.

4. **Debt and Expenses:** The presence of debts and monthly expenses, including rent or mortgage, can reduce the amount available for savings.

3.**财务优先事项：**个人财务目标，如教育、购房或退休，都可能会影响储蓄。愿意为这些目标储蓄的人可能会有更多的存款。

4. **债务和费用：**债务和每月的固定支出，包括租金或抵押贷款，就会降低存款的金额。

5. **Investment Choices:** Those who invest their savings wisely may see their wealth grow over time, while those with conservative or no investments may save less.

6. **Family Responsibilities:** Family size and responsibilities, such as taking care of parents or children, can impact savings.

5. **投资选择：**将储蓄合理投资的人可能会看到他们的财富随着时间的推移而增长，而那些保守或没有投资的人可能存款会比较少。

6. **家庭责任：**家庭规模和家庭责任，比如赡养父母、抚养子女，都会影响储蓄。

It's essential to focus on your own financial goals and priorities rather than comparing yourself to others. Saving 50 lakhs rupees after 12 years of work is a significant accomplishment, and it's important to continue making financial decisions that align with your goals and circumstances. If you're looking to manage and grow your savings, consider speaking with a financial advisor or planner who can provide personalized guidance.

关注自己的财务目标和优先事项，不要和他人攀比，这才是至关重要的。工作12年就能存下500万卢比，是非常了不起的成就。如果你想妥善理财、让存款增长，可以和理财顾问或规划师聊聊，他们可以提供个性化的指导。

Arron Curtis

I am almost the same as your age, so I think I am qualified to answer your question.

I am 34 years old. Worked for 10 years.

Presently, my break up is as follows:

Around INR 16 lakh in PF (I will not touch this amount till retirement)

INR 2 lakh in PPF (15 years lock in)

INR 9 lakh in pension fund (Can touch only after retirement)

INR 2 lakh in FD (Emergency Fund)

INR 1 lakh in savings (Day to day expenses)

我和你的年龄差不多，所以我自认有资格回答你的问题。

我今年34岁，工作了10年。

目前，我的存款情况如下：

养老金大约160万卢比(退休前我不会动这笔钱)

公积金20万卢比（15年锁定）

养老基金90万卢比（退休后才能动）

定期存款20万卢比（应急基金）

活期存款10万卢比(日常开支)

That sums up to INR 30 lakh in liquid assets which is not much considering that i have worked my ass off for 10 long years. If you spend lavishly, you will save nothing. If you spend responsibly, then just see the power of compounding.

我一共有300万卢比的流动资产，鉴于我已经辛苦工作了10年，这个存款并不算多。如果你挥霍无度，肯定是什么也存不下的。如果你负责任地花钱，那么就看看复利的力量吧。

Other assets:

INR 7 lakh car (loan fully paid)

Flat (Present loan outstanding about INR 15 lakh).

Hence, present liabilities: Rs 15 lakh

Thus, 30 lakh liquid assets minus 15 lakh liabilities i.e Presently I have 15 lakh INR (If i repay my loan with my funds). I consider myself lucky that I am not in the negative zone.

其他资产：

汽车70万卢比(贷款全额支付)

公寓(目前贷款余额约150万卢比)。

因此，目前我的总负债是150万卢比

因此，300万卢比的流动资产减去150万卢比的负债，目前我有150万卢比的净资产(如果我用存款偿还贷款)。我认为自己很幸运，因为我还不是负翁。

I travel twice every year. I don’t have much other interests other than Travelling and Food. Had I saved all these money, I would have had a lot more liquid cash. But hey, life isn't only about accumulating money. Live life to the fullest and enjoy because you only come once to this world. In case of any unforseen circumstances,you will have to leave the entire 50 lakh that you have presently.

我每年会安排2次旅行。除了旅行和美食，我没有太多其他的兴趣。如果我把这些钱都存起来，我的存款金额还会更高。但是，嘿，生活不是只有存钱。尽情享受人生吧，因为你只有一次生命。如果发生什么不可预见的情况，你的500万卢比也是带不走的。

Lastly, I would like to conclude that Congrats, you are very lucky that you are able to save 50 lakh INR in such a short amount of time as not many are so lucky to have so much money in such a short time. However, from now on enjoy your hard earned money because 50 lakh INR is more than enough for emergency purposes. It will generate more than INR 25000 per month in FD interest alone.

最后，我要祝贺你，你非常幸运，能在这么短的时间内存下500万卢比，这么幸运的人可不多。从现在开始，享受你辛苦挣来的钱吧，因为500万卢比的金额对应急用途来说已经绰绰有余了。如果存成定期存款，每个月的利息就超过25000卢比了。

Alwyn Rodrigues

It's commendable but not believable. To earn a fat salary you have to have a prestigious degree. Assuming you have that you must have started earning at 30. Saved 50 L in 5 years?

The higher the post the higher the living expenses. So if true you're in the elite few of India. If not it's a good dream to pursue in reality.

值得称赞，但不太可信。要想拥有一份丰厚的薪水，你必须有很好的教育背景。假设你有很好的教育背景，那么你估计30岁才能开始赚钱，然后用了5年时间就存下了500万？

职位越高，生活支出也会越高。所以如果你说的是真实的情况，那你就是印度的少数精英。如果不是，这就只是美梦一场。