Video Summary

Household finance in India reflects more than individual choice. It reveals deeper frictions in how people perceive risk, access financial systems, and build wealth over time. In this episode of Arth Niti, Prof. Tarun Ramadorai and Prof. Shekhar Tomar examine why Indian portfolios remain heavily concentrated in gold and real estate, and what this imbalance signals about behavioural biases, financial access, and institutional trust. The discussion explores how past experiences of inflation shape investment decisions, why limited diversification constrains long-term outcomes, and how high real estate ownership coexists with inefficient use of household balance sheets. It also considers how policy and financial system design can shift these patterns, moving household finance towards more productive and resilient outcomes.

Authored by ISB Editorial

Disclaimer: This video features research and insights developed at the Indian School of Business. While interpretations are those of the researchers, the content reflects ISB’s commitment to rigorous, impactful scholarship. The material is intended to inform, provoke thought, and support informed decision-making. It does not constitute professional advice or institutional endorsement of specific outcomes.