People often subscribe to multiple OTT platforms and apps, which usually start from ₹299/month, taking their subscription costs to ₹2,000-3,000, Anand Rathi Wealth's Protima Dhawan said. These payments could be diverted to long-term investments, she said. Dhawan estimates that a ₹3,000 monthly SIP with estimated average mutual fund returns of 13%/annum can build a ₹31-lakh corpus over 20 years.