OTT Subscriptions Are Burning a Hole in Your Pocket: CA Reveals How You Could Save Lakhs by Investing Instead

OTT Subscription Costs: Online streaming platforms like Netflix, Amazon Prime Video, and Jio Hotstar have become a go-to choice for entertainment as movie ticket prices keep soaring. With their rich variety of content, these platforms have attracted millions of subscribers in India. But while OTT seems like an affordable alternative, Chartered Accountant Nitin Kaushik has revealed how these monthly subscriptions are silently draining people’s savings and how the same money, if invested, could multiply into lakhs over time.

Monthly Spending Crosses ₹1,850

According to Kaushik’s analysis, an average household spends around ₹1,850 every month on popular OTT services such as Netflix, Prime Video, Hotstar, and even music streaming apps like Spotify. This amounts to ₹22,000 annually—a figure that may not feel heavy on the pocket when seen month by month, but becomes significant when looked at collectively.

Losses Over 10 Years Run Into Lakhs

When extended over a decade, OTT expenses pile up to around ₹2.2 lakh. The CA highlights that if this same amount were invested with a 12% compound annual growth rate (CAGR), it could grow to more than ₹4.3 lakh. Essentially, what looks like a small monthly outflow could result in a big dent in long-term wealth creation.

The Bigger Impact of Small Expenses

Kaushik explained that OTT subscriptions, though seemingly minor, are examples of “silent leaks” in personal finance. Just as one monitors investments and assets, it is equally important to keep track of recurring subscriptions. “Even a small leak can sink a large ship,” he cautioned, emphasizing the need for financial discipline in managing entertainment spending.

Telecoms Offering Bundle Deals

Recognizing rising subscription costs, telecom providers like Jio, Airtel, and Tata Play have started offering bundled packages. These include 10 to 20 OTT apps, high-speed WiFi, and live TV channels—all at a price lower than Netflix’s premium plan alone. Such options can reduce costs while still providing access to multiple platforms.

But Premium Content Comes at a Price

However, Kaushik noted that not all bundles include big names like Netflix and Amazon Prime. For instance, Jio and Airtel’s ₹599 plans typically provide access to apps such as Disney+ Hotstar, SonyLIV, and Zee5, but Netflix is reserved for costlier packages. So while bundled services may bring savings, premium content seekers might still end up paying more.

Takeaway: Track Your Spending, Maximize Savings

This analysis is a reminder that lifestyle expenses, when unchecked, can erode long-term savings. Consumers are advised to carefully evaluate whether they are truly using all the subscriptions they pay for. By trimming unnecessary expenses and redirecting the money into investments, one can build a healthier financial future.

👉 In short: That “small” monthly OTT bill may not seem much today, but over the years, it could mean the difference between 2.2 lakh spent and 4.3 lakh earned.