Why Indian Metros Are Becoming Unaffordable (Even at ₹3L/Month)

Are Indian metros becoming unaffordable? See why a ₹3 lakh monthly income may not be enough, and what to do about it by 2036. Imagine you’re 30, earning ₹3 lakh a month, saving and investing, and you still can’t buy a home in the city you work in. In this video, Nikhil (CA, ~20 years at EY, PwC and a top Indian wealth management firm) breaks down the “Affordability Trap”: why your income rises while the city gets more expensive faster. You’ll learn: 1. Who is actually buying ₹20 crore homes, and why it’s a capital story, not a salary story 2. Whether ₹3 lakh a month is enough for a normal middle-class life in Bengaluru 3. What home price data (NHB RESIDEX) says about Bengaluru vs Delhi 4. What a ₹5 crore home could cost in 2036, and the illustrative EMI 5. Whether Tier 2 cities are a real escape or the next affordability problem 6. Buy vs rent: when renting may be the rational choice 7. A three-check test you can run on your own numbers CHAPTERS 0:00 Can you earn well and still not afford your city? 1:15 The Affordability Trap explained 2:00 Who is actually buying ₹20 crore homes? 5:00 Is ₹3 lakh a month enough in Bengaluru? 7:30 Why expensive homes raise your cost of living 9:00 What the home price data says (NHB RESIDEX) 11:00 Indian metros in 2036: a ₹5 crore home becomes ₹9.8 crore 13:00 Tier 2 cities: will they get unaffordable too? 15:30 Rent vs buy in India 16:30 Is India really too expensive? _________________________________________________________________ 1 on 1 Consultation : https://finniki.com/consult ______________________________________________________________ Borderless - NRI Podcast: Applications Are Now Open The Borderless podcast series for NRIs is now live, and we’re looking for guests. We discuss real-life money, tax, investment, estate planning, and relocation challenges faced by people like you. You share your situation, and we work through possible solutions together in a candid conversation that could help thousands of other NRIs facing similar questions. No preparation needed. Just a genuine discussion and knowledge-sharing session. How to join: Register at https://finniki.com/borderless. It takes less than a minute. ______________________________________________________________ Make your Will: https://www.getyellow.in/legal-will (Use Code: FINNIKI for 20% discount) ______________________________________________________________ #IndianMetros #RealEstateIndia #FinNiki