{"id":1700,"date":"2025-08-04T07:06:35","date_gmt":"2025-08-04T07:06:35","guid":{"rendered":"http:\/\/tezgyan.com\/index.php\/2025\/08\/04\/indias-top-1-hold-60-of-assets-wealthiest-indians-prefer-gold-and-real-estate-bernstein-savings-and-investments-news\/"},"modified":"2025-08-04T07:06:35","modified_gmt":"2025-08-04T07:06:35","slug":"indias-top-1-hold-60-of-assets-wealthiest-indians-prefer-gold-and-real-estate-bernstein-savings-and-investments-news","status":"publish","type":"post","link":"https:\/\/tezgyan.com\/index.php\/2025\/08\/04\/indias-top-1-hold-60-of-assets-wealthiest-indians-prefer-gold-and-real-estate-bernstein-savings-and-investments-news\/","title":{"rendered":"India’s Top 1% Hold 60% of Assets; Wealthiest Indians Prefer Gold And Real Estate: Bernstein | Savings and Investments News"},"content":{"rendered":"


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Last Updated:<\/span>

Just $2.7 trillion out of the $11.6 trillion wealth held by India’s richest is parked in actively manageable financial instruments, such as MF, equities, insurance, as per report.<\/h2>\n
\"The<\/p>\n

The report suggests a massive untapped opportunity for wealth managers and investment advisors in India, especially as the affluent class begins to look beyond traditional investments. (Representative\/Shutterstock)<\/p>\n<\/figure>\n

A vast majority of India\u2019s richest citizens continue to concentrate their wealth in physical assets such as real estate and gold, according to the latest report by global investment research firm Bernstein, as cited by news agency ANI<\/em>. The report sheds light on the composition of wealth among what it calls the \u2018Uber Rich\u2019, a group that includes Ultra High Net Worth Individuals (UHNI), High Net Worth Individuals (HNI), and the Affluent class.<\/p>\n

Despite representing only 1 per cent of Indian households, these high-income groups control nearly 60 per cent of the country\u2019s total assets and 70 per cent of all financial assets. This elite segment holds a combined wealth of $11.6 trillion out of India\u2019s total estimated household wealth of $19.6 trillion.<\/p>\n

Wealth Locked in Illiquid Assets<\/strong><\/p>\n

The Bernstein report notes that just $2.7 trillion of the wealth held by India\u2019s richest is parked in actively manageable financial instruments, such as mutual funds, equities, insurance, and deposits. This subset, referred to as the Serviceable Addressable Market (SAM), is what wealth managers typically cater to.<\/p>\n

The remaining $8.9 trillion is tied up in non-serviceable assets, including physical real estate, gold, unlisted promoter equity, and cash holdings. This lopsided asset distribution underscores the limited penetration of structured wealth management services in the country.<\/p>\n

Rising Opportunity for Wealth Managers<\/strong><\/p>\n

The findings suggest a massive untapped opportunity for wealth managers and investment advisors in India, especially as the affluent class begins to look beyond traditional investments. Bernstein observes that a significant portion of financial wealth is still unmanaged, even among the richest households.<\/p>\n

According to the report, The top 1 per cent earns 40 per cent of all income, while the \u2018Rest of India\u2019 holds only a small fraction of both income and assets.<\/p>\n

This widening gap highlights how wealth inequality in India far outpaces income inequality.<\/p>\n

The Numbers Behind the Ultra Rich<\/strong><\/p>\n

Bernstein estimates that India has around 35,000 UHNI households, each with a net worth exceeding $12 million. On average, these households hold $54 million in assets, of which $24 million are financial. Collectively, the Uber Rich command $4.5 trillion in financial assets, accounting for 70 per cent of the nation\u2019s total financial wealth.<\/p>\n

As India\u2019s economy expands and formal financial markets deepen, the potential for unlocking this concentrated, under-managed wealth pool could redefine the future of investment advisory services in the country.<\/p>\n

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Last Updated:August 04, 2025, 12:35 IST Just $2.7 trillion out of the $11.6 trillion wealth held by India’s richest is parked in actively manageable financial instruments, such as MF, equities, insurance, as per report. The report suggests a massive untapped opportunity for wealth managers and investment advisors in India, especially as the affluent class begins…<\/p>\n","protected":false},"author":1,"featured_media":1701,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45],"tags":[],"class_list":["post-1700","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business"],"_links":{"self":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts\/1700","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/comments?post=1700"}],"version-history":[{"count":0,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts\/1700\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/media\/1701"}],"wp:attachment":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/media?parent=1700"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/categories?post=1700"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/tags?post=1700"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}