New Delhi, Aug. 25 -- Grocery spending in India's household budgets fell 8% in 2026 from 2025, even as rent costs surged 21%, highlighting how GST 2.0 has brought relief to some everyday expenses while other essential costs continue to rise.

The findings from The Great Indian Wallet 4.0 2026 study by Home Credit India show that households are not simply spending the savings from lower prices. They are using the additional financial headroom selectively, particularly on food quality, education, and savings.

Individuals surveyed were aged 18 to 55 years, with an average monthly income of Rs.35,000, capturing how households are navigating changing financial circumstances.

Groceries remain the biggest monthly household expense at Rs.8,505 ...