(Rupees crore)

SECTOR

CURRENT

SAVINGS

TERM

TOTAL

VARIATIONS

2001

2002

2001

2002

2001

2002

2001

2002

Current

Savings

Term

Total

1

2

3

4

5

6

7

8

9

10

11

12

13

I.

Government Sector

22,082

23,291

14,753

17,256

60,357

78,169

97,192

1,18,716

1,209

2,504

17,811

21,524

(17.8)

(17.8)

(6.4)

(6.4)

(9.7)

(10.8)

(10.0)

(10.6)

(18.1)

(6.8)

(17.0)

(14.6)

1.

Central and State Governments

8,588

8,328

7,293

9,270

18,382

27,883

34,263

45,480

-260

1,977

9,501

11,217

(6.9)

(6.4)

(3.1)

(3.4)

(3.0)

(3.8)

(3.5)

(4.0)

(-3.9)

(5.4)

(9.1)

(7.6)

i)

Central Government

3,090

3,006

1,035

735

10,851

16,706

14,976

20,447

-84

-301

5,855

5,470

(2.5)

(2.3)

(0.4)

(0.3)

(1.8)

(2.3)

(1.5)

(1.8)

(-1.3)

(-0.8)

(5.6)

(3.7)

ii)

State Governments

5,499

5,322

6,258

8,535

7,531

11,177

19,287

25,034

-176

2,277

3,646

5,747

(4.4)

(4.1)

(2.7)

(3.2)

(1.2)

(1.5)

(2.0)

(2.2)

(-2.6)

(6.2)

(3.5)

(3.9)

2.

LocalAuthorities

2,000

1,750

4,048

3,979

8,564

9,644

14,611

15,373

-251

-69

1,080

761

(1.6)

(1.3)

(1.7)

(1.5)

(1.4)

(1.3)

(1.5)

(1.4)

(-3.8)

(-0.2)

(1.0)

(0.5)

3.

Quasi Government Bodies

6,408

8,233

1,361

2,271

13,562

20,422

21,331

30,926

1,824

911

6,860

9,595

(5.2)

(6.3)

(0.6)

(0.8)

(2.2)

(2.8)

(2.2)

(2.8)

(27.4)

(2.5)

(6.6)

(6.5)

Of which: State Electricity Boards

2,241

2,685

26

30

1,328

2,027

3,595

4,742

444

4

699

1,147

(1.8)

(2.1)

—

—

(0.2)

(0.3)

(0.4)

(0.4)

(6.7)

—

(0.7)

(0.8)

4.

Public Sector Corporations

5,085

4,981

2,052

1,736

19,850

20,220

26,987

26,938

-104

-315

370

-50

and Companies

(4.1)

(3.8)

(0.9)

(0.6)

(3.2)

(2.8)

(2.8)

(2.4)

(-1.6)

(-0.9)

(0.4)

—

i)

Non-Departmental Commercial

2,772

2,147

214

143

12,002

8,016

14,988

10,306

-625

-71

-3,986

-4,682

Undertakings

(2.2)

(1.6)

(0.1)

(0.1)

(1.9)

(1.1)

(1.5)

(0.9)

(-9.4)

(-0.2)

(-3.8)

(-3.2)

ii)

Others

2,313

2,835

1,838

1,594

7,848

12,204

11,999

16,632

521

-244

4,355

4,633

(1.9)

(2.2)

(0.8)

(0.6)

(1.3)

(1.7)

(1.2)

(1.5)

(7.8)

(-0.7)

(4.2)

(3.1)

II.

Private Corporate Sector

17,631

21,071

897

576

26,727

42,328

45,255

63,975

3,440

-321

15,601

18,719

(Non-Financial)

(14.2)

(16.1)

(0.4)

(0.2)

(4.3)

(5.8)

(4.6)

(5.7)

(51.6)

(-0.9)

(14.9)

(12.7)

1.

Non-Financial Companies

14,369

14,594

340

109

20,492

27,253

35,200

41,956

225

-230

6,761

6,756

(11.6)

(11.1)

(0.1)

—

(3.3)

(3.8)

(3.6)

(3.7)

(3.4)

(-0.6)

(6.5)

(4.6)

2.

Non-CreditCo-operative

266

145

187

87

1,020

804

1,473

1,036

-121

-100

-216

-438

Institutions

(0.2)

(0.1)

(0.1)

—

(0.2)

(0.1)

(0.2)

(0.1)

(-1.8)

(-0.3)

(-0.2)

(-0.3)

3.

Others

2,997

6,333

370

379

5,215

14,271

8,582

20,982

3,336

9

9,055

12,401

(2.4)

(4.8)

(0.2)

(0.1)

(0.8)

(2.0)

(0.9)

(1.9)

(50.1)

—

(8.7)

(8.4)

III.

Financial Sector

22,522

21,495

2,797

1,979

45,791

53,652

71,109

77,126

-1,026

-818

7,860

6,016

(18.1)

(16.4)

(1.2)

(0.7)

(7.4)

(7.4)

(7.3)

(6.9)

(-15.4)

(-2.2)

(7.5)

(4.1)

1.

Banks

9,763

10,409

453

484

30,925

35,149

41,142

46,043

645

31

4,224

4,901

(7.9)

(8.0)

(0.2)

(0.2)

(5.0)

(4.9)

(4.2)

(4.1)

(9.7)

(0.1)

(4.0)

(3.3)

i)

Indian Commercial Banks

6,064

6,441

187

340

22,309

24,343

28,560

31,124

377

153

2,035

2,565

(4.9)

(4.9)

(0.1)

(0.1)

(3.6)

(3.4)

(2.9)

(2.8)

(5.7)

(0.4)

(1.9)

(1.7)

ii)

Foreign Resident Banks

1,250

1,222

3

7

568

1,536

1,821

2,765

-29

4

968

944

(Offices of Foreign Banks

(1.0)

(0.9)

—

—

(0.1)

(0.2)

(0.2)

(0.2)

(-0.4)

—

(0.9)

(0.6)

in India )

iii)

Co-operative Banks and

2,449

2,746

264

137

8,048

9,270

10,761

12,154

297

-126

1,222

1,392

Credit societies

(2.0)

(2.1)

(0.1)

(0.1)

(1.3)

(1.3)

(1.1)

(1.1)

(4.5)

(-0.3)

(1.2)

(0.9)

a. Co-operative Banks

2,276

2,580

106

22

7,247

8,424

9,630

11,026

304

-85

1,177

1,396

(1.8)

(2.0)

—

—

(1.2)

(1.2)

(1.0)

(1.0)

(4.6)

(-0.2)

(1.1)

(0.9)

b. Credit Societies

173

166

157

116

801

846

1,131

1,127

-7

-42

45

-4

(0.1)

(0.1)

(0.1)

—

(0.1)

(0.1)

(0.1)

(0.1)

(-0.1)

(-0.1)

—

—

2.

Other Financial Institutions

6,280

7,165

1,525

1,036

9,358

11,146

17,162

19,347

886

-489

1,788

2,185

(5.1)

(5.5)

(0.7)

(0.4)

(1.5)

(1.5)

(1.8)

(1.7)

(13.3)

(-1.3)

(1.7)

(1.5)

i)

Financial Companies

435

821

27

43

1,064

1,187

1,526

2,050

386

15

123

524

(0.4)

(0.6)

—

—

(0.2)

(0.2)

(0.2)

(0.2)

(5.8)

—

(0.1)

(0.4)

a. Housing Finance

313

730

8

35

949

970

1,270

1,735

418

27

21

465

Companies

(0.3)

(0.6)

—

—

(0.2)

(0.1)

(0.1)

(0.2)

(6.3)

(0.1)

—

(0.3)

b. Auto Finance Companies

123

91

19

8

115

217

257

316

-32

-11

102

59

(0.1)

(0.1)

—

—

—

—

—

—

(-0.5)

—

(0.1)

—

ii)

Total of Mutual Funds

422

712

16

22

1,006

677

1,443

1,412

290

6

-328

-31

(including Private Sector

(0.3)

(0.5)

—

—

(0.2)

(0.1)

(0.1)

(0.1)

(4.4)

—

(-0.3)

—

Mutual Funds)

a. Mutual Funds in

186

396

11

22

610

224

806

641

209

11

-386

-165

Private Sector

(0.1)

(0.3)

—

—

(0.1)

—

(0.1)

(0.1)

(3.1)

—

(-0.4)

(-0.1)

b. Other Mutual Funds

236

317

5

396

454

637

771

81

-5

58

134

(0.2)

(0.2)

—

—

(0.1)

(0.1)

(0.1)

(0.1)

(1.2)

—

(0.1)

(0.1)

iii)

Unit Trust of India

640

676

11

18

235

14

886

707

36

6

-221

-179

(0.5)

(0.5)

—

—

—

—

(0.1)

(0.1)

(0.5)

—

(-0.2)

(-0.1)

iv)

Insurance Corporations and

3,258

3,220

124

43

3,891

5,911

7,274

9,173

-38

-82

2,020

1,899

Companies (Life and General)

(2.6)

(2.5)

(0.1)

—

(0.6)

(0.8)

(0.7)

(0.8)

(-0.6)

(-0.2)

(1.9)

(1.3)

v)

Term Lending Institutions

672

789

10

20

1,804

1,634

2,486

2,443

117

10

-170

-43

(0.5)

(0.6)

—

—

(0.3)

(0.2)

(0.3)

(0.2)

(1.8)

—

(-0.2)

—

vi)

Provident Fund Institutions

851

947

1,337

892

1,358

1,723

3,546

3,562

96

-445

364

15

(0.7)

(0.7)

(0.6)

(0.3)

(0.2)

(0.2)

(0.4)

(0.3)

(1.4)

(-1.2)

(0.3)

—

3.

Other Financial Companies

6,479

3,921

818

458

5,509

7,356

12,805

11,736

-2,557

-360

1,848

-1,070

(5.2)

(3.0)

(0.4)

(0.2)

(0.9)

(1.0)

(1.3)

(1.0)

(-38.4)

(-1.0)

(1.8)

(-0.7)

i)

Financial Services Companies

791

477

47

6

928

1,191

1,765

1,674

-314

-41

263

-91

(0.6)

(0.4)

—

—

(0.1)

(0.2)

(0.2)

(0.1)

(-4.7)

(-0.1)

(0.3)

(-0.1)

ii)

Other Financial Companies

1,979

1,048

171

65

1,945

2,914

4,095

4,027

-931

-106

970

-68

(1.6)

(0.8)

(0.1)

—

(0.3)

(0.4)

(0.4)

(0.4)

(-14.0)

(-0.3)

(0.9)

—

iii)

Others

3,709

2,397

601

387

2,636

3,251

6,946

6,035

-1,312

-213

615

-911

(3.0)

(1.8)

(0.3)

(0.1)

(0.4)

(0.4)

(0.7)

(0.5)

(-19.7)

(-0.6)

(0.6)

(-0.6)

IV.

Household Sector

58,741

60,668

2,01,899

2,34,849

3,95,233

4,54,885

6,55,873

7,50,402

1,927

32,950

59,653

94,529

(47.3)

(46.3)

(86.9)

(87.3)

(63.8)

(62.8)

(67.2)

(66.7)

(28.9)

(90.0)

(57.0)

(63.9)

1.

Individuals (including Hindu

31,772

32,597

1,79,947

2,13,368

3,35,805

3,85,861

5,47,525

6,31,826

825

33,421

50,056

84,302

Undivided Families)

(25.6)

(24.9)

(77.5)

(79.4)

(54.2)

(53.3)

(56.1)

(56.2)

(12.4)

(91.3)

(47.8)

(57.0)

i)

Farmers

1,567

1,554

32,466

37,445

65,779

69,234

99,812

1,08,233

-13

4,979

3,456

8,421

(1.3)

(1.2)

(14.0)

(13.9)

(10.6)

(9.6)

(10.2)

(9.6)

(-0.2)

(13.6)

(3.3)

(5.7)

ii)

Businessmen, Traders,

18,732

20,369

32,046

38,065

70,771

79,404

1,21,549

1,37,838

1,637

6,020

8,633

16,289

Professionalsand

(15.1)

(15.6)

(13.8)

(14.2)

(11.4)

(11.0)

(12.4)

(12.3)

(24.6)

(16.4)

(8.2)

(11.0)

Self-Employed Persons

iii)

Wage and Salary Earners

2,313

1,938

55,223

60,009

85,572

93,356

1,43,107

1,55,303

-374

4,786

7,784

12,196

(1.9)

(1.5)

(23.8)

(22.3)

(13.8)

(12.9)

(14.7)

(13.8)

(-5.6)

(13.1)

(7.4)

(8.2)

iv)

Shroffs, Money Lenders,

1,070

840

1,969

2,038

4,532

4,460

7,571

7,338

-230

69

-72

-233

Stock Brokers, Dealers

(0.9)

(0.6)

(0.8)

(0.8)

(0.7)

(0.6)

(0.8)

(0.7)

(-3.4)

(0.2)

(-0.1)

(-0.2)

in Bullion etc.

v)

OtherIndividuals

8,090

7,896

58,244

75,811

1,09,152

1,39,407

1,75,486

2,23,114

-194

17,568

30,255

47,628

(6.5)

(6.0)

(25.1)

(28.2)

(17.6)

(19.2)

(18.0)

(19.8)

(-2.9)

(48.0)

(28.9)

(32.2)

2.

Trusts, Associations, Clubs etc.

1,449

1,646

3,018

3,135

8,672

14,230

13,139

19,011

197

117

5,557

5,871

(1.2)

(1.3)

(1.3)

(1.2)

(1.4)

(2.0)

(1.3)

(1.7)

(3.0)

(0.3)

(5.3)

(4.0)

3.

Proprietary and Partnership

19,348

19,961

1,570

1,457

14,059

15,455

34,977

36,873

613

-113

1,396

1,896

conce rnsetc.

(15.6)

(15.2)

(0.7)

(0.5)

(2.3)

(2.1)

(3.6)

(3.3)

(9.2)

(-0.3)

(1.3)

(1.3)

4.

Educational Institutions

1,565

1,597

3,904

3,730

7,075

8,864

12,544

14,191

32

-174

1,789

1,647

(1.3)

(1.2)

(1.7)

(1.4)

(1.1)

(1.2)

(1.3)

(1.3)

(0.5)

(-0.5)

(1.7)

(1.1)

5.

Religious Institutions

185

171

1,315

1,226

4,948

4,841

6,448

6,238

-14

-89

-107

-210

(0.1)

(0.1)

(0.6)

(0.5)

(0.8)

(0.7)

(0.7)

(0.6)

(-0.2)

(-0.2)

(-0.1)

(-0.1)

6.

Others (not elsewhere classified)

4,422

4,696

12,145

11,933

24,673

25,634

41,240

42,264

274

-212

961

1,024

(3.6)

(3.6)

(5.2)

(4.4)

(4.0)

(3.5)

(4.2)

(3.8)

(4.1)

(-0.6)

(0.9)

(0.7)

V.

Foreign Sector

3,262

4,377

11,915

14,206

91,854

95,572

1,07,030

1,14,154

1,115

2,291

3,718

7,124

(2.6)

(3.3)

(5.1)

(5.3)

(14.8)

(13.2)

(11.0)

(10.2)

(16.7)

(6.3)

(3.6)

(4.8)

1.

Foreign Consulates, Embassies,

129

202

163

111

1,282

856

1,574

1,169

73

-52

-426

-405

Trade Missions, Information

(0.1)

(0.2)

(0.1)

—

(0.2)

(0.1)

(0.2)

(0.1)

(1.1)

(-0.1)

(-0.4)

(-0.3)

Services etc.

2.

Non-Residents

1,161

1,445

9,989

10,948

82,975

84,260

94,125

96,653

284

959

1,285

2,528

(0.9)

(1.1)

(4.3)

(4.1)

(13.4)

(11.6)

(9.6)

(8.6)

(4.3)

(2.6)

(1.2)

(1.7)

3.

Others

1,973

2,730

1,762

3,146

7,597

10,456

11,331

16,332