雖然是免費文,但是可以看到KB爆料印度競選債券的驚天大瓜。
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@Kanthaswamy Balasubramaniam
Independent Legal Banking Consultant at Self-EmploymentSat
I typically incorporate a Middle Class Basket comprising of :-
Food
Housing (EMI or Rent) in a Tier 1 City
Healthcare Premiums
Energy (Gas and Electricity)
Clothes & Communications
Tuition / Education
Transportation (Public)
Transportation (Private)
I then weight the basket giving 0.31 to Food and 0.23 to Healthcare and 0.19 to Education and Tuition - 73% to the Big Three and 27% to Clothes and Energy and Transportation
I then set the value in 2004 to 100 to check the new weighted values in 2009, 2014,2019 and 2024
I get 214.24 in 2009, 300.33 in 2014, 391.88 in 2019 & 570.94 in 2024 June
This means a Basket that cost ?100/- in 2004 now costs ?571/- in 2024
However this is flawed because in 2004 - Health Insurance was unheard of or was pretty rare unless by an Organization
So let's set the value in 2014 to 100 and check the new weighted values
2019 - 187.66
2024 - 291.48
This means a Basket of Goods that cost ?100/- in 2014 now costs ?291.48/-
Yet this is also flawed
We didn't have cheap data in 2014 and not everyone had internet on their phones. Data was ?651/- for 3 GB and that completely ruins the numbers
If we take 50 GB a family - the mobile bill alone back in 2014 would be ?9–11K a month
Final Assignment:-
So let's set the value in 2018 to 100 and check the new weighted values year by year
2019 - 106.32
2020 - 121.88
2021 - 134.27
2022 - 142.22
2023 - 150.98
2024 - 186.47
This is the most realistic and accurate representation of the numbers and this shows an Annual Inflation of this Basket at 10.95% a year
However we have left out the Price of Gold
Middle Class families buy Gold
So if we include Gold with its 0.14 weightage and assign 100 in 2018 we get
2019 - 107.55
2020 - 119.95
2021- 132.77
2022 - 149.28
2023 - 160.36
2024 - 192.79
This shows an Inflation of around 11.56% a year
India's annual GDP growth is only 8%, which means that India's economy has been in recession?

我通常會設(shè)計一個中產(chǎn)階級籃子,包括:
食物
一線城市的住房(EMI或租金)
醫(yī)療保險費
能源(天然氣和電力)
服裝及通訊
學費/教育
交通(公共交通)
交通(私人)
然后,我對這個籃子進行加權(quán),將0.31分配給食品,0.23分配給醫(yī)療保健,0.19分配給教育和學費-73%分配給三大類別,27%分配給服裝、能源和交通
然后,我將2004年的值設(shè)置為100,以檢查2009年、2014年、2019年和2024年的新加權(quán)值
我在2009年得到了214.24,2014年得到了300.33,2019年得到了391.88,2024年6月得到了570.94
這意味著2004年價格為100盧比的一籃子商品到2024年將上漲至571盧比
然而,這是有缺陷的,因為在2004年,健康保險是聞所未聞的,或者說非常罕見,除非由組織
因此,我們將2014年的值設(shè)置為100,并檢查新的加權(quán)值
2019年-187.66
2024年-291.48
這意味著2014年價格為100盧比的一籃子商品現(xiàn)在售價為291.48盧比
但這也是有缺陷的
2014年,我們沒有便宜的數(shù)據(jù),也不是每個人都有手機上網(wǎng)。3GB的數(shù)據(jù)要651盧比,這完全毀了數(shù)據(jù)
如果每個家庭使用50GB,那么2014年每月的移動費用就高達9-11K盧比
最終作業(yè):
因此,我們將2018年的值設(shè)置為100,并逐年檢查新的加權(quán)值
2019年-106.32
2020年-121.88
2021年-134.27
2022年-142.22
2023年-150.98
2024年-186.47
這是最現(xiàn)實、最準確的數(shù)字表示,表明該籃子的年通脹率為10.95%
然而,我們忽略了黃金價格
中產(chǎn)階級家庭購買黃金
因此,如果我們將黃金的權(quán)重設(shè)為0.14,并在2018年分配100,則得到
2019年-107.55
2020年-119.95
2021年-132.77
2022年-149.28
2023年-160.36
2024年-192.79
這表明年通貨膨脹率約為11.56%
而印度每年的GDP增長僅有8%,這意味著印度的經(jīng)濟一直在衰退?

原創(chuàng)翻譯:龍騰網(wǎng) http://www.top-shui.cn 轉(zhuǎn)載請注明出處


So to an Average Middle Class family living in a Tier 1 City - the Annual Inflation between 2018–2024 has been 11.56% a year on the Middle Class Basket of Goods and Services
Bangalore with 13.83% is the highest
Hyderabad with 12.62% is next
Delhi (12.24%) comes Third
Mumbai is fourth with 10.95%
Chennai is fifth with 10.72%
Kolkata is sixth with a mere 8.91%
Now let's see the proportional rise in wages and salaries in the same period
Let's include :-
Grade C Government of India, Equivalent Grade in State Governments, Scale II in PSBs and 10 year experience in the Private Sector
Let's exclude Self Employed & Own Business for the moment which means No Architects, Doctors or Shopkeepers
Let's weight the Average Remuneration including allowances and perks at 100 in 2018
Government Jobs (Central Govt)
2019 - 114.44
2020 - 126.85
2021 - 150.71
2022 - 168.78
2023 - 208.94
2024 - 229.29
This shows a 14.83% a year rise in Wages
So Central Government Employees are VERY SATISFIED INDEED and Very Happy
Their wages have risen by an average of 15% a year, beating Inflation that has risen at 11.5% a year

因此,對于生活在一線城市的普通中產(chǎn)階級家庭來說,2018年至2024年期間,中產(chǎn)階級一籃子商品和服務(wù)的年通貨膨脹率為11.56%
班加羅爾以13.83%的比例最高
接下來是海德拉巴,占比12.62%
德里(12.24%)位列第三
孟買排名第四,占比10.95%
金奈排名第五,占10.72%
加爾各答排名第六,支持率僅為8.91%
現(xiàn)在我們來看看同期工資和薪金的比例增長
讓我們包括:-
印度政府C級,相當于邦政府級別,公共服務(wù)機構(gòu)II級,私營部門10年經(jīng)驗
我們暫時排除個體經(jīng)營者和自營企業(yè),這意味著沒有建筑師、醫(yī)生或店主
我們將2018年包括津貼和福利在內(nèi)的平均薪酬定為100
政府職位(中央政府)
2019年-114.44
2020年-126.85
2021年-150.71
2022年-168.78
2023年-208.94
2024年-229.29
這表明工資每年上漲14.83%
因此,中央政府公務(wù)員確實非常滿意,非常高興
他們的工資平均每年上漲15%,超過每年11.5%的通貨膨脹率

Private Sector (IT Services - Class A/B Jobs)
2019 - 110.70
2020 - 120.86
2021 - 164.31
2022 - 179.85
2023 - 180.67
2024 - 191.27
This shows 11.41% a year rise in wages
Especially a huge surge between 2020 & 2021/22
So IT Employees of Grade A/B (Those who earned a minimum of ? 9 LPA in 2018) are also pretty content
Their wages have risen by around 11.41% a year matching inflation
The last two years have been quite bad but still they don't feel the effects of inflation
Now let's see the others :-
Private Financial Services - 8.27% (Vs 11.60% Inflation)
Retail Sector - 6.28% (Vs 11.60% Inflation)
Tourism Sector - 5.97% (Versus 11.60% Inflation)
Healthcare Sector - 10.19% (Versus 11.60% Inflation)
Retail Sales Sector - 4.18% (Versus 11.60 % Inflation)
Manufacturing Industry (Large Scale) - 6.22% (Versus 11.60% Inflation)
Manufacturing Industry (Small Scale) - 4.82% (Versus 11.60% Inflation)
Manufacturing Industry (Cottage) - 4.11% (Versus 11.60% Inflation)
Aviation Services - 9.94% (Versus 11.60% Inflation)
Low Grade Clerical (State Government of TN) - 8.78% (Versus 11.60% Inflation)
Education Sector - 6.69% (Versus 11.60% Inflation)
This as you can see MAJORITY OF THE MIDDLE CLASS EMPLOYEES have seen Inflation rise much higher than their salary growth
In fact as you can see Tourism employees have seen their wages rise at half the pace of inflation
They are getting POORER with time
Especially in Manufacturing Industries where Salaries aren't rising nearly as fast as Inflation

私營部門(IT服務(wù)-A/B類工作)
2019年-110.70
2020年-120.86
2021年-164.31
2022年-179.85
2023年-180.67
2024年-191.27
這表明工資每年上漲11.41%
尤其是2020年至2021/22年之間的大幅增長
因此,A/B級IT員工(2018年收入至少為9LPA的人)也相當滿意
他們的工資每年上漲約11.41%,與通貨膨脹同步
過去兩年情況相當糟糕,但他們?nèi)匀粵]有感受到通貨膨脹的影響
現(xiàn)在讓我們看看其他的:-
私人金融服務(wù)-8.27%(通脹率為11.60%)
零售業(yè)-6.28%(通脹率為11.60%)
旅游業(yè)-5.97%(通貨膨脹率為11.60%)
醫(yī)療保健行業(yè)-10.19%(通貨膨脹率為11.60%)
零售業(yè)-4.18%(通貨膨脹率為11.60%)
制造業(yè)(大型)-6.22%(通貨膨脹率為11.60%)
制造業(yè)(小規(guī)模)-4.82%(通貨膨脹率為11.60%)
制造業(yè)(家庭手工業(yè))-4.11%(通貨膨脹率為11.60%)
航空服務(wù)——9.94%(通貨膨脹率為11.60%)
低級文職人員(泰米爾德邦政府)-8.78%(通貨膨脹率為11.60%)
教育部門——6.69%(通貨膨脹率為11.60%)
正如你所看到的,大多數(shù)中產(chǎn)階級員工的通貨膨脹率遠高于他們的工資增長
事實上,正如你所看到的,旅游業(yè)員工的工資增長速度只有通貨膨脹速度的一半
隨著時間的推移,他們變得越來越貧窮
特別是在制造業(yè),工資上漲速度遠不及通貨膨脹率

Logically this makes sense given that Savings, Disposable Income and Wealth have all gone down for the Middle Class since 2018
As for the Top 1% , let's see the comparison in the last 6 years, side by side
This is what I call INCOME AND WEALTH INEQUALITY
Anyone defending the Thelawallah Predator should see that he has grown in wealth and disposable income by almost 4 times while you have remained stagnant if lucky or actually regressed financially
So if you can see - it's mainly the Upper Middle Class or the Central Government Servants or IT Services Employees who earned more than ?9 LPA in 2018 who are the Ambani fanboys and fangirls
Who are Modi Devotees
Who get annoyed when people talk of Inflation
Not these Boys
Its all going Sri Lanka's way or Pakistans way in the next two decades until someone wakes up and changes leadership at all levels
It's pretty bad to be frank

從邏輯上講,這是有道理的,因為自2018年以來,中產(chǎn)階級的儲蓄、可支配收入和財富都在下降
至于前1%,讓我們并排看看過去6年的比較
這就是我所說的收入和財富不平等
任何為富人辯護的人都應(yīng)該看到,他們的財富和可支配收入增長了近4倍,而你的財富卻停滯不前,甚至在經(jīng)濟上出現(xiàn)倒退
因此,如果你能看到——2018年收入超過900萬印度盧比的主要是上層中產(chǎn)階級、中央政府公務(wù)員或IT服務(wù)員工,他們是安巴尼的狂熱粉絲
誰是莫迪的忠實粉絲?
當人們談?wù)撏ㄘ浥蛎洉r,誰會生氣?
不是這些人
未來二十年,一切都將按照斯里蘭卡或巴基斯坦的方式發(fā)展,直到有人醒悟過來并更換各級領(lǐng)導(dǎo)層
坦白說,這很糟糕