Why Indian Middle Class Will NEVER Become Rich!

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You bought a ₹1.5 lakh phone on “No Cost EMI” thinking it was smart. One year later it’s worth ₹75,000 — yet you still owe ₹82,000. Two years later you’ve paid ₹1.8 lakh in hidden charges, the phone is worth ₹40,000 and you’re trapped.
Meanwhile, over 15 crore Indians are in the same situation: EMIs on phones, TVs, laptops costing more than what they’re worth.

In this investigation we unpack how India went from a nation that saved before it bought… to a generation living on EMIs.
– How the credit system shifted after 2010-15 and why “No Cost EMI” isn’t really free.
– How consumer EMIs have ballooned: household debt-to-GDP rose from 11 % in 2012 to 38 % in 2024.
– Why you can’t just treat EMIs like a monthly payment when the underlying asset is depreciating.
– What you can do: Simple, actionable rules to break out of the trap.

What this means for YOU:
If you’ve taken a consumer EMI (phone, laptop, TV), watch this. It’s about more than the monthly amount: it’s about your cash-flow, your savings, and your freedom.
Follow the rules in this video and reclaim control of your money.

Zero1 by Zerodha financially supports creators and storytellers through its network. The views and opinions in this video are solely those of the creator and are not endorsed by Zero1.
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