AICPI-IW FOR JANUARY 2026
+ 148.6000
* 2.8800
* 4.6300
* 4.9300
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+ 9768.7548
- 9728.0000
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+ 40.7548
/ 4.0000
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+ 10.1887
ie 10 slabs of DA for Employees
wef 01.05.2026 if it remains the same for
February and March 2026
R K SAHNI
1 comment:
What is the average income per month and wealth they have of 80% of Indian families excluding top 20%? AI Mode:
Based on recent reports from the World Inequality Database (2026), the Periodic Labour Force Survey (PLFS 2023-24), and various consumer research studies, the average income and wealth for the bottom 80% of Indian families (excluding the top 20%) show a significant concentration of resources at the top.
Average Monthly Income Breakdown (Bottom 80%)
The income for this group is split between the "Bottom 50%" and the "Middle 40%." To approximate the bottom 80%, we look at the data for the bottom 50% and the next 30-40% of the population.
Population Segment Average Monthly Income Proportion of National Income
Bottom 50% (approx. 46-70 crore people) ₹6,000 or less ~13% – 15%
Middle 40% (approx. 36 crore people) ₹13,000 Information Not Specified
"Consumption Class" (Top 10%) ~₹32,000+ ~58%
National Median: Half of India's labour force earns less than ₹9,000 per month; only about 25% earn more than ₹15,000 per month.
Lower Middle Class: Specific studies on urban "lower-middle-class" households (often earning ₹2 lakh to ₹5 lakh annually) report a higher average monthly income of approximately ₹33,000 in 2024.
Top Percentiles: Earning just ₹30,000 per month puts an individual ahead of 70% of the Indian population.
Wealth Distribution (Bottom 80%)
Wealth inequality in India is even more pronounced than income inequality. The wealthiest 10% of Indians hold nearly two-thirds (65%) of the country's total wealth.
Bottom 50% Wealth: This segment of the population (roughly 700 million people) owns less than 3% to 6.4% of the country's total wealth.
Bottom 60% Wealth: According to Oxfam, the bottom 60% of the population owns a mere 4.8% of national wealth.
Average Wealth for the Bottom 97%: One report estimates that for the bottom 97% of households (excluding the top 3%), the average wealth is approximately ₹17 lakhs, though this is heavily skewed by the middle-to-upper segments of that group.
Asset Concentration: The top 1% of households account for 60% of total wealth and 70% of all financial assets in India.
Key Factors and Challenges
Purchasing Power: Over 100 crore individuals in India have limited purchasing power, with spending primarily confined to essential needs.
Rising Costs: For the lower middle class, education and healthcare are major "pain points," with education spending alone surging by 34% in 2025 compared to 2024.
Savings: Only about 50% of lower-middle-class respondents reported being able to save in 2025, down from 60% in 2024, due to the rising cost of living.
Would you like me to look into how these income levels vary specifically between rural and urban areas for the bottom 80%?
Another version: For the bottom 80% of Indian families (excluding the top 20%), the average income is roughly ₹5,900 to ₹13,700 per month per adult, with the bottom 50% averaging below ₹6,000. This 80% segment holds only a small fraction of national wealth, as the top 10% own 66% of India's total wealth, leaving limited assets for the rest.
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Income and Wealth Breakdown (Excluding Top 20%)
Bottom 50% (approx. 46 crore adults): Average annual income is ~₹71,000, which is less than ₹6,000 per month.
Middle 40% (approx. 36 crore adults): Average annual income is ~₹1.6 lakhs, translating to roughly ₹13,000-₹13,700 per month.
Wealth Concentration: The bottom 50% share only 11% of national wealth, while the middle 40% share 23%.
Consumption Patterns: For the 30-60% fractiles, monthly consumption ranges from ₹2,700–₹3,400 in rural areas to ₹4,300–₹5,600 in urban areas.
Note: These figures represent per-adult income and general wealth, based on 2022-2024 reports, which may differ from family-level income.
(In-service and retirees of financial sector who are in between 80% and 90% are selfish enough wish to perpetuate worst discriminations within themselves and those below them while eulogising fake Socialism incorporated during Emergency by a member of dynasty.)
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