50 (a). Flow of Financial Assets and Liabilities of Households - Instrument-wise - RBI - Reserve Bank of India
83276440
Published on January 19, 2023
50 (a). Flow of Financial Assets and Liabilities of Households - Instrument-wise
| (Amount in ₹ Crore) | |||||
| Item | 2019-20 | ||||
| Q1 | Q2 | Q3 | Q4 | Annual | |
| Net Financial Assets (I-II) | 238613.6 | 476724.8 | 386450.4 | 530769.8 | 1632558.5 |
| Per cent of GDP | 4.8 | 9.8 | 7.5 | 10.3 | 8.1 |
| I. Financial Assets | 398076.7 | 567753.2 | 517351.0 | 924069.3 | 2407250.2 |
| Per cent of GDP | 8.1 | 11.7 | 10.1 | 18.0 | 12.0 |
| of which: | |||||
| 1. Total Deposits (a+b) | 12239.0 | 296625.6 | 124015.7 | 451698.3 | 884578.5 |
| (a) Bank Deposits | -10550.9 | 278124.4 | 116211.9 | 444044.6 | 827830.0 |
| i. Commercial Banks | -13293.8 | 269475.4 | 66666.7 | 446006.7 | 768855.0 |
| ii. Co-operative Banks | 2742.9 | 8649.0 | 49545.2 | -1962.1 | 58975.0 |
| (b) Non-Bank Deposits | 22789.9 | 18501.2 | 7803.7 | 7653.7 | 56748.5 |
| 2. Life Insurance Funds | 117873.1 | 108209.1 | 110373.8 | 37714.2 | 374170.2 |
| 3. Provident and Pension Funds (including PPF) | 104681.1 | 98426.3 | 103356.1 | 193739.0 | 500202.5 |
| 4. Currency | 61244.1 | -26104.8 | 86832.6 | 160690.2 | 282662.1 |
| 5. Investments | 43936.8 | 43018.8 | 22655.1 | -11953.8 | 97656.9 |
| of which: | |||||
| (a) Mutual Funds | 23303.5 | 38382.2 | 19191.1 | -19191.1 | 61685.7 |
| (b) Equity | 18648.2 | 2172.4 | 936.2 | 4981.0 | 26737.8 |
| 6. Small Savings (excluding PPF) | 57038.5 | 46514.1 | 69053.6 | 91117.2 | 263723.4 |
| II. Financial Liabilities | 159463.1 | 91028.5 | 130900.6 | 393299.5 | 774691.7 |
| Per cent of GDP | 3.2 | 1.9 | 2.6 | 7.7 | 3.9 |
| Loans (Borrowings) from | |||||
| 1. Financial Corporations (a+b) | 159429.6 | 90994.9 | 130867.1 | 393266.0 | 774557.6 |
| (a) Banking Sector | 140261.4 | 58074.4 | 114905.9 | 196581.1 | 509822.8 |
| of which: | |||||
| Commercial Banks | 135754.1 | 57135.0 | 87377.4 | 202214.2 | 482480.6 |
| (b) Other Financial Institutions | 19168.2 | 32920.5 | 15961.2 | 196684.8 | 264734.8 |
| i. Non-Banking Financial Companies | -519.7 | 22976.7 | 29930.7 | 198264.3 | 250652.0 |
| ii. Housing Finance Companies | 17033.0 | 8093.1 | -15710.4 | -3093.1 | 6322.6 |
| iii. Insurance Companies | 2655.0 | 1850.8 | 1740.9 | 1513.6 | 7760.2 |
| 2. Non-Financial Corporations (Private Corporate Business) | 33.8 | 33.8 | 33.8 | 33.8 | 135.1 |
| 3. General Government | -0.3 | -0.3 | -0.3 | -0.3 | -1.0 |
| No. 50 (a): Flow of Financial Assets and Liabilities of Households - Instrument-wise (Contd.) | |||||
| (Amount in ₹ Crore) | |||||
| Item | 2020-21 | ||||
| Q1 | Q2 | Q3 | Q4 | Annual | |
| Net Financial Assets (I-II) | 600422.5 | 573643.2 | 481433.5 | 719844.5 | 2375343.7 |
| Per cent of GDP | 15.5 | 12.1 | 8.8 | 12.5 | 12.0 |
| I. Financial Assets | 805869.5 | 612224.3 | 651241.3 | 1092617.4 | 3161952.5 |
| Per cent of GDP | 20.8 | 13.0 | 12.0 | 19.0 | 16.0 |
| of which: | |||||
| 1. Total Deposits (a+b) | 297412.4 | 278631.7 | 158172.2 | 525550.7 | 1259767.1 |
| (a) Bank Deposits | 281191.3 | 264565.3 | 147096.0 | 527056.7 | 1219909.2 |
| i. Commercial Banks | 279010.5 | 262033.7 | 143558.6 | 471730.9 | 1156333.7 |
| ii. Co-operative Banks | 2180.8 | 2531.6 | 3537.3 | 55325.8 | 63575.6 |
| (b) Non-Bank Deposits | 16221.1 | 14066.4 | 11076.3 | -1506.0 | 39857.9 |
| 2. Life Insurance Funds | 123291.4 | 142365.7 | 156438.6 | 141120.0 | 563215.8 |
| 3. Provident and Pension Funds (including PPF) | 119666.9 | 110916.6 | 108512.2 | 207604.5 | 546700.1 |
| 4. Currency | 202432.7 | 21286.9 | 91456.0 | 66800.5 | 381976.1 |
| 5. Investments | 6249.8 | -12956.4 | 67659.3 | 63624.0 | 124576.7 |
| of which: | |||||
| (a) Mutual Funds | -16021.0 | -28837.7 | 57675.4 | 51267.0 | 64083.8 |
| (b) Equity | 18599.4 | 8291.5 | 5307.1 | 6333.3 | 38531.2 |
| 6. Small Savings (excluding PPF) | 55760.7 | 70924.2 | 67947.4 | 86862.2 | 281494.6 |
| II. Financial Liabilities | 205447.0 | 38581.1 | 169807.8 | 372772.9 | 786608.8 |
| Per cent of GDP | 5.3 | 0.8 | 3.1 | 6.5 | 4.0 |
| Loans (Borrowings) from | |||||
| 1. Financial Corporations (a+b) | 205490.3 | 38624.3 | 169851.0 | 372816.9 | 786782.5 |
| (a) Banking Sector | 211058.8 | 13213.0 | 139622.0 | 284732.6 | 648626.4 |
| of which: | |||||
| Commercial Banks | 211259.3 | 13213.8 | 140514.3 | 242476.0 | 607463.5 |
| (b) Other Financial Institutions | -5568.6 | 25411.3 | 30229.0 | 88084.4 | 138156.1 |
| i. Non-Banking Financial Companies | -15450.4 | 21627.1 | 15921.2 | 61326.1 | 83424.0 |
| ii. Housing Finance Companies | 10516.6 | 2875.1 | 13048.5 | 25336.1 | 51776.2 |
| iii. Insurance Companies | -634.8 | 909.2 | 1259.3 | 1422.2 | 2955.9 |
| 2. Non-Financial Corporations (Private Corporate Business) | 33.8 | 33.8 | 33.8 | 33.0 | 134.4 |
| 3. General Government | -77.0 | -77.0 | -77.0 | -77.0 | -308.0 |
| No. 50 (a): Flow of Financial Assets and Liabilities of Households - Instrument-wise (Concld.) | |||||
| (Amount in ₹ Crore) | |||||
| Item | 2021-22 | ||||
| Q1 | Q2 | Q3 | Q4 | Annual | |
| Net Financial Assets (I-II) | 519781.2 | 358325.2 | 453302.7 | 636259.8 | 1967668.9 |
| Per cent of GDP | 10.1 | 6.4 | 7.2 | 9.6 | 8.3 |
| I. Financial Assets | 382780.7 | 547346.2 | 834009.6 | 796341.7 | 2560478.2 |
| Per cent of GDP | 7.5 | 9.7 | 13.2 | 12.0 | 10.8 |
| of which: | |||||
| 1. Total Deposits (a+b) | -84377.1 | 202652.1 | 425821.4 | 151374.9 | 695471.4 |
| (a) Bank Deposits | -106507.3 | 197301.2 | 422819.5 | 140297.2 | 653910.7 |
| i. Commercial Banks | -108037.7 | 195617.4 | 418642.9 | 145510.5 | 651733.1 |
| ii. Co-operative Banks | 1530.4 | 1683.8 | 4176.7 | -5213.3 | 2177.6 |
| (b) Non-Bank Deposits | 22130.2 | 5350.9 | 3001.9 | 11077.7 | 41560.7 |
| 2. Life Insurance Funds | 114617.8 | 127356.0 | 103154.9 | 95681.7 | 440810.4 |
| 3. Provident and Pension Funds (including PPF) | 126469.7 | 108777.0 | 91543.9 | 254877.2 | 581667.9 |
| 4. Currency | 128660.2 | -68631.2 | 62793.3 | 146845.0 | 269667.4 |
| 5. Investments | 24929.6 | 82305.4 | 69760.9 | 50980.8 | 227976.7 |
| of which: | |||||
| (a) Mutual Funds | 14573.0 | 63151.3 | 37912.2 | 44963.7 | 160600.1 |
| (b) Equity | 4502.5 | 13218.5 | 27808.2 | 3084.1 | 48613.3 |
| 6. Small Savings (excluding PPF) | 71423.1 | 93829.6 | 79877.9 | 95524.7 | 340655.3 |
| II. Financial Liabilities | -137000.5 | 189021.0 | 380706.9 | 160081.8 | 592809.2 |
| Per cent of GDP | -2.7 | 3.4 | 6.0 | 2.4 | 2.5 |
| Loans (Borrowings) from | |||||
| 1. Financial Corporations (a+b) | -137021.8 | 188999.7 | 380685.6 | 160060.6 | 592724.1 |
| (a) Banking Sector | -113662.5 | 134166.1 | 320160.2 | 153323.3 | 493987.0 |
| of which: | |||||
| Commercial Banks | -108061.2 | 135728.8 | 317452.5 | 152364.2 | 497484.4 |
| (b) Other Financial Institutions | -23359.3 | 54833.7 | 60525.5 | 6737.3 | 98737.1 |
| i. Non-Banking Financial Companies | -31118.4 | 28880.1 | 29479.8 | -31016.3 | -3774.8 |
| ii. Housing Finance Companies | 7132.0 | 24403.8 | 29494.8 | 37436.2 | 98466.8 |
| iii. Insurance Companies | 627.1 | 1549.8 | 1550.9 | 317.4 | 4045.2 |
| 2. Non-Financial Corporations (Private Corporate Business) | 33.8 | 33.8 | 33.8 | 33.8 | 135.1 |
| 3. General Government | -12.5 | -12.5 | -12.5 | -12.5 | -50.0 |
| Notes: 1. Net Financial Savings of households refer to the flow of net financial assets, which represents change in financial assets held by households minus change in their financial liabilities. 2. Revisions in small savings and PPF are mainly on account of quarterly figures being derived from monthly receipts data sourced from Controller General of Accounts, Government of India. 3. Revisions in bank deposits for 2021-22 are attributed to the lower share of households in total deposits as per BSR-2. 4. Data as ratios to GDP have been calculated based on the Provisional Estimates of National Income 2021-22 released on May 31, 2022. 5. Figures in the columns may not add up to the total due to rounding off. |
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