在印度，年薪50-60万卢比是怎样的体验，生活水平如何

What is it like to earn 50-60 LPA in India and how is the life after reaching such salary?

在印度，年薪50 - 60万卢比是怎样的体验，生活水平如何？

印度的工资水平，以2022年10月印度公布的最低工资标准，每天178卢比，大约折合15.4元人民币。请注意，这是印度全国的最低工资标准。每个邦、每个城市，根据经济发展的不同和自身实际情况，都会颁布自己的最低工资标准。甚至印度每个行业都有自己的最低工资标准，全国足足设立了2000多个最低工资标准，非常复杂。

印度官方统计的工资水平，按照印度劳动统计局发布的数据，2023年1月，印度全国平均工资为33142卢比，大约折合2860多元人民币。不过，对于这个数字，很多印度人都感觉偏高，尤其是中小城市的印度上班族，根本达不到

按照印度一系列媒体和机构的联合统计，2023年，印度平均年薪为188344卢比，大约折合1.63万人民币左右，平均到12个月，每月工资大约折合1350元人民币左右。对于这个数字，属于相对客观的。

以下是Quora读者的评论：

Kamal Sethi

With recent increase in 2025 I crossed the figure of 5 Million INR in an year.

Firstly, it depends at which age you get this package. For people in their 20s, this would be marvelous achievement. In 30s it would still be very good. For people like me who are in mid 40s , this is kind of consolation but nevertheless a good package to have.

My life have not changed much after earning this much mainly

2025年，随着近期收入的增长，我年收入突破了500万印度卢比。

首先，这得看你在什么年纪拿到这样的薪资。对于20多岁的人来说，这是了不起的成就；30多岁能拿到，也相当不错。像我这种45岁左右的人，这多少算是一种慰藉，但不管怎么说，也是一份不错的薪资。

挣到这么多钱后，我的生活并没有太大改变，主要原因如下：

Taxes eats a lot of my salary package. I would pay close to 12 Lac this year in taxes. This definitely pains me more so when I have to pass through various potholes and pathetic road conditions daily during my commute to office but one can hardly help.
Also, I don’t get 5 Million + in a year. Most of the money goes to Provident Fund , insurances and even Gratuity is part of my package.
I started from scratch and even with this package struggling to move to a better house in a better locality. The Housing in Gurgaon is crazily overpriced.
The money does not give me much joy anyway , I long for more leisure and time, which I hardly have.
I still have to work very hard at office. Last year I was hospitalized due to excessive exertion to body and mind. Though it was Jaundice but I know the primary reason was overlooking on my health for a long time.
My health is on a downward trend though I have a good insurance to take care of my family :). It also reminds me of a quote that you work like crazy to earn good amount and then that money goes into your recovery from diseases.

税收吃掉了我薪资的很大一部分。今年我要缴纳近120万卢比的税。每天通勤去办公室，路上要经过各种坑洼不平、路况糟糕的路段，一想到还要交这么多税，心里就更不是滋味了，但也无可奈何。

我一年到手的并没有500多万卢比。大部分钱都进了公积金、保险，甚至连酬金也算在薪资总额里。

我白手起家，即便拿着这样的薪资，想搬到古尔冈一个更好地段的房子里，依旧很吃力。古尔冈的房价高得离谱。

这些钱并没有给我带来太多快乐，我渴望更多的休闲和时间，但我几乎没有。

在办公室我还是得拼命工作。去年，由于身心过度劳累，我住院了。虽然得的是黄疸，但我知道主要原因是长期忽视自己的健康。

尽管我有一份不错的保险能照顾家人，但我的健康状况却每况愈下。这也让我想起一句话：你拼命工作挣大钱，然后这些钱又花在恢复健康上。

Now, some positives, I don’t have to worry about money these days. I have seen days where I would be without money for days.
I can afford a quality education for my Kid which is a relief.
I don’t think I can become very rich but is happy with the fact that my next generation would not have to bear severe struggles in their youth. If you are poor you are susceptible to been exploited by almost anyone.
Almost all of my friends are earning 4 to 5 million in a year and some even more ; so I don’t think I have done something exceptional with my life. Until or unless you don’t have self destroying bad habits and you are a good mix of smart and hard worker , you would be able to achieve 5 Million in a year after 2 or more decades of work.
Lastly, money is very important in life to not only live a decent life but also avoid getting exploited by anyone.

不过，也有一些积极的方面：

如今我不用再为钱发愁。我经历过身无分文的日子。

我能为孩子提供优质的教育，这让我松了一口气。

我觉得自己成不了大富大贵之人，但欣慰的是，我的下一代年轻时不用再承受那么多艰难困苦。如果你贫穷，就很容易被人剥削。

我几乎所有朋友一年都能挣400 - 500万卢比，有些人挣得更多。所以我觉得自己并没有做出什么特别了不起的事。只要你没有自我毁灭的坏习惯，既聪明又努力，工作20多年后，一年挣500万卢比并非难事。

最后，钱在生活中非常重要，不仅能让你过上体面的生活，还能避免被人剥削。

Dhiraj Kumar

First of all very few people in India enjoy that kind of salary benefits.

And it goes without saying that with such handsome salary one can live an enjoyful life.

Kids can get better education facilities, wife can afford expensive dresses and jewelleries.

They can get their own house easily.

首先，在印度极少有人能享受这样优厚的薪资待遇。

不言而喻，拿着如此可观的薪水，人们可以过上惬意的生活。

孩子们能获得更好的教育资源，妻子可以买得起昂贵的服饰和珠宝。

他们可以轻松购置自己的房产。

Then can have a decent four wheeler.

They can make an smart investment.

They can do their side business.

But to enjoy that kind of earning first of all you will have to work hard.

还能拥有一辆不错的四轮汽车。

他们可以进行明智的投资。

也可以开展副业。

但要想享受这般收入，首先得努力工作。

Mohit

Last year, my wife and I made 1.4 Cr before tax. This year, I alone will make close to 85-90L and next year, more than 1 Cr( assuming average hikes ). We are in our early 30s with a kid.

Our major expenses are

Under construction home loan EMI - 1.5 Lakhs

Rent - 80K

School and transport - 15K

We save close to 2.5-3.5L in various SIPs, EPF, PPF, NPS etc. After the investments, we don't really look at prices most of the time, except while planning a vacation.

去年，我和妻子税前收入达到1400万卢比。今年，仅我一人预计就能挣850 - 900万卢比，明年（假设按平均涨幅）能超过1000万卢比。我们30岁出头，还有个孩子。

我们的主要开支如下：
- 在建房屋的房贷等额本息还款（EMI）——每月15万卢比
- 房租——每月8万卢比
- 孩子学校费用及交通——每月1.5万卢比

我们每月通过各类系统性投资计划（SIP）、公积金（EPF）、公共 Provident 基金（PPF）、国家养老金制度（NPS）等，能存下25 - 35万卢比。投资之后，大多数时候我们不太在意价格，不过计划度假时除外。

So, on the outside, it looks like that we have made it. But I personally feel more scared rather than happy or content.

I feel scared that there were only 3.5L tax payers which declared income more than 1 Cr. There are not too many jobs at this salary for 12-13 years of experience in India. I know couple of my colleagues who make less than me, are not even able to get an interview and I feel that I will get stuck in my current company for next 30 years or will have to take a huge paycut.
I feel scared that we are inadvertently spoiling our kid. Once my 3 year old kid complained that our hotel room does not have a bathtub. I didn't see a bathtub till I was well into my 20s. I travelled in sleeper or general compartments, carried my own luggage. My kid has never seen such things. I worry that my kid, if something goes wrong in the future, will not be able to handle the hardships.

所以，从表面上看，我们似乎有所成就。但就我个人而言，更多的是感到害怕，而非快乐或满足。

- 我感到害怕，是因为印度仅有35万纳税人申报的收入超过1000万卢比。在印度，对于有12 - 13年工作经验的人来说，能拿到这种薪资水平的工作并不多。我认识几个收入比我低的同事，他们连面试机会都没有。我担心自己未来30年都得被困在现在这家公司，不然就得大幅降薪。

- 我担心我们无意间把孩子宠坏了。我3岁的孩子曾抱怨酒店房间没有浴缸。而我直到20多岁都没见过浴缸。我以前坐火车都是睡卧铺或者普通车厢，还得自己搬行李。我的孩子从来没经历过这些。我担心万一将来出了什么事，孩子无法承受生活的艰辛。

It feels alone. I feel that my college friends hesitates to make vacation plans with me. Even though, they don't know our income but still knows that we stay in good hotels courtesy of Insta. Once one of them said that he can't afford Taj (which I never ever mentioned to him or assumed that I will stay only in such places) and hence don't want to discuss vacations with me. I quit Insta after that.
On the other side, I feel sometimes people make plans with me when they know that can't afford it and they know that I will foot some amount of bill if needed. I feel they are only interested in mooching outings from me.
Vacations don't excite me anymore. We have stayed in best possible rooms( private swimming pools, private 24 hours butler, jacuzzis, chefs etc ) and done all the things which our heart desired. In my last two vacations, even though we spent a lot, it didn't feel anything different.

- 我感觉很孤单。我觉得大学朋友和我一起计划度假时会有所顾虑。虽然他们不知道我们的收入，但通过Instagram知道我们住好酒店。有一次，其中一个朋友说他住不起泰姬酒店（我从未跟他提过，也没说过自己只住这种酒店），所以不想跟我讨论度假的事。从那以后，我就卸载了Instagram。

- 另一方面，我有时觉得有些人知道自己负担不起，却还是和我一起做计划，因为他们知道必要时我会帮忙付一部分账单。我感觉他们只是想占我便宜，蹭我的出游机会。

- 度假对我来说不再有吸引力。我们住过最好的房间（带私人游泳池、24小时私人管家、按摩浴缸、厨师服务等等），也做了所有自己想做的事。在过去的两次度假中，尽管花了很多钱，但并没有什么特别的感觉。

I think I was much more happy when I was getting 20L. It was enough for all of the necessities. I didn't have any care in the world. I knew that I could get a new job in an instant. I stayed in PG rooms for 3 years which didn't even have a window but it was fine. There was something to look forward too.

我觉得自己挣200万卢比的时候要快乐得多。那时候的收入足够满足所有生活必需。我什么都不用担心。我知道自己随时能找到一份新工作。我在没有窗户的出租屋住了3年，但也觉得没什么。那时总有一些值得期待的东西。

Aashish Bhandari

I strongly believe that this salary is a king's salary in india which you can enjoy and also practically live like a king where you can participate in charity.

Yes, taxes are high in india and one does not get much in return from govt. Even for highways and airports, we shell out a lot more in indirect taxes. We should accept that fact.
Key to happiness is controlling your expenses and having something which is very scarce in this times of social media i.e. SANTOSH!! No matter how much one can earn, we will never be able to host a wedding which anant Ambani had. But may be that is not one needs also so please ext the rat race immediately.

我坚信，在印度这样的薪资堪称帝王级待遇。你不仅能尽情享受，还真能过上如国王般的生活，甚至可以投身慈善事业。

的确，印度的税收很高，而民众从政府那里得到的回报却不多。即便是高速公路和机场建设，我们在间接税上的支出也极为高昂。我们得接受这个现实。

幸福的关键在于控制开支，并且拥有在这个社交媒体时代极为稀缺的东西——知足！无论一个人挣多少钱，我们永远无法举办一场像阿南特·安巴尼那样奢华的婚礼。但或许那也并非是我们真正需要的，所以请立刻退出这种激烈的竞争。

I am not saying money is not important for happiness, certain threshold is definitely required for happiness but money can not buy happiness. Above that threshold, everything is excess which also attracts negativity, anxety and obesity depending on person to person.
If you have an attitude to do your best every day, learn new things and be grateful for things you have then trust me you are happy. With money you focus to increase level of your comfort and it makes you vulnerable. Be the college or school boy who is afraid of nothing and willing to take any challenge which life may throw at him
If you have good mental and physical health with a good circle of friend and family, you are very very rich with this salary

我不是说金钱对于幸福不重要，一定的收入门槛对于获得幸福确实是必要的，但金钱买不来幸福。超过那个门槛，一切都只是多余，而这多余之物还会根据个人情况，招来负面情绪、焦虑和肥胖等问题。

如果你秉持着每天都全力以赴、不断学习新事物，并对所拥有的心怀感恩的态度，相信我，你就是幸福的。有了钱，你若只专注于提升舒适程度，就会变得脆弱。要像学生时代那样，无所畏惧，勇于迎接生活抛来的任何挑战。

如果你拥有良好的身心健康，还有一群亲朋好友相伴，拿着这样的薪资，你就已经无比富有了。

10x Programmer

I am 37 and use to earn 50LPA (pre tax). I use to invest 60% of my money so that I can achieve financial independence by in coming years. I work for 4 hours a day, Mon-Friday and rest of my time is for family and social cause(20–25 hours a week).

Now coming to life

0. Life was simple and will remain simple. My primary goal of life was/is to keep it stress free and have ample time for myself. I am not a materialistic person and don't like to show off my wealth. In all these years and next few years, the wealth I have accumulated or accumulate will ensure that I have bought time for my future years.

我37岁，过去年薪500万卢比（税前）。我过去常常将60%的收入用于投资，以便在未来几年实现财务独立。我每周一到周五每天工作4小时，其余时间用于陪伴家人以及投身社会公益事业（每周20 - 25小时）。

现在说说生活：

首先，生活过去简单，将来也会保持简单。我生活的首要目标一直都是让生活没有压力，并且给自己留出充足的时间。我不是个物质至上的人，也不喜欢炫富。在过去这些年以及未来几年，我已经积累和即将积累的财富，能确保我为未来的日子赢得了更多时间。

Galaxy Kadiyala

Honestly, whether it's 5 LPA or 50 LPA, if you don't have a solid plan for your savings and investments, life can feel pretty much the same. One big thing that kicks in with a higher salary is the constant worry of job security, especially in the IT industry, where I'm currently working. Even if you're great at your job, a downturn in the market or layoffs can leave you jobless for months.

On the flip side, a higher salary does allow you to spend more freely—buying things you need and things you definitely don’t. For example, I’ve bought clothes two years ago that are still sitting in my closet with the tags on. The financial freedom is there, but without proper planning, the lifestyle doesn't change as much as you'd think.

It all comes down to how well you manage your money and plan for the future. Otherwise, it’s the same hustle, just with a bigger pay check!

Update: I’ve stopped worrying about saving tax.

说实话，无论是年薪50万卢比还是500万卢比，如果你没有一个稳健的储蓄和投资计划，生活可能感觉并无太大差别。随着薪资提高，一个很突出的问题就是对工作稳定性的持续担忧，尤其是在我目前所在的IT行业。即便你工作表现出色，市场低迷或公司裁员仍可能让你失业数月。

另一方面，较高的薪资确实能让你更自由地消费——购买所需之物，甚至是那些并非必需的东西。比如，我两年前买的衣服，至今还挂在衣柜里，标签都没摘。虽然有了财务自由，但如果没有合理规划，生活方式并不会像你想象中改变那么大。

这一切都取决于你对金钱的管理能力以及对未来的规划。否则，只是拿着更高的薪水，却依然过着同样忙碌奔波的生活！

更新：我已经不再担心节税的问题了。

Ravi

You will be comfortable with most of the regular expenses at home. It's definitely a happy thing.

Now you will start looking for work-life balance, comforts. Your priorities will usually make a shift to stability.

After crossing 35LPA, there would not be a lot of difference in in-hand salary. While your take home may not vary much, you will see your PF growing really fast.

有了这样的收入，家里大多数日常开销你都会应付得很轻松，这无疑是件开心事。

此时，你会开始寻求工作与生活的平衡，追求舒适的生活。通常，你的重点会转移到追求稳定上。

当年薪超过350万卢比后，到手工资不会有太大差别。虽然实际拿到手的钱变化不大，但你会发现公积金增长得相当快。

Most of it goes to tax - u may like this feeling of contributing to Nation building or you may dislike govt snatching away your hard earned money. It depends on you..

Important thing - if you get such job opportunity, i recommend you bargain for more in RSUs and less in fixed pay salary. (Base salary)

All the best - if you are in this league, stay happy. There are lakhs who are aspiring to be there. Don't let the tax deducted or something else take ur happiness away.

Don't get carried away from the high pay and ignore investments. Try to invest as much as possible.

大部分收入都拿去缴税了——你可能会喜欢这种为国家建设做贡献的感觉，也可能会反感政府拿走你辛苦挣来的钱，这取决于你自己……

重要的是——如果你有这样的工作机会，我建议你多争取一些受限股票单位（RSUs），少要点固定工资（基本工资）。

祝你一切顺利——如果你处于这个收入水平，要保持开心。有成千上万人渴望达到你这样的收入。别让扣税或其他事情夺走你的快乐。

别被高薪冲昏头脑而忽视了投资。尽可能多地进行投资。