Bengaluru earns, Chandigarh spends, Chennai borrows the most, Delhi is India’s biggest market: Study shows where Indians earn, save, spend and borrow the most

Bengaluru tops the charts for household income and savings among India’s major cities, while Chennai records the highest debt-to-income ratio, driven largely by housing demand. Delhi-NCR, meanwhile, emerges as the country’s biggest consumption hub, thanks to its large household base. Mumbai and Delhi-NCR also have the highest number of affluent households, while urban spending patterns are increasingly shifting towards housing, healthcare and education.