(Rupees lakh)

CURRENT

SAVINGS

TERM

TOTAL

VARIATIONS

SECTOR OF THE ECONOMY

1997

1998

1997

1998

1997

1998

1997

1998

CURRENT

SAVING

TERM

TOTAL

1

2

3

4

5

6

7

8

9

10

11

12

13

I

Government Sector

13,90,894

14,43,043

8,77,471

11,55,558

21,16,461

34,14,601

43,84,826

60,13,201

52,149

2,78,086

12,98,139

16,28,375

(19.1)

(17.5)

(7.7)

(8.4)

(6.6)

(8.9)

(8.6)

(9.9)

(5.5)

(11.4)

(20.8)

(16.9)

1.

Central & State Governments

4,59,682

4,79,401

3,57,241

4,88,651

5,04,527

8,66,146

13,21,449

18,34,198

19,719

1,31,411

3,61,619

5,12,749

(6.3)

(5.8)

(3.1)

(3.5)

(1.6)

(2.3)

(2.6)

(3.0)

(2.1)

(5.4)

(5.8)

(5.3)

i)

Central Government

2,08,061

2,06,687

45,351

31,391

1,73,694

4,16,899

4,27,107

6,54,976

- 1,375

- 13,960

2,43,204

2,27,870

(2.9)

(2.5)

(0.4)

(0.2)

(0.5)

(1.1)

(0.8)

(1.1)

(- 0.1)

(- 0.6)

(3.9)

(2.4)

ii)

State Governments

2,51,621

2,72,714

3,11,889

4,57,260

3,30,832

4,49,247

8,94,343

11,79,222

21,094

1,45,371

1,18,415

2,84,879

(3.5)

(3.3)

(2.7)

(3.3)

(1.0)

(1.2)

(1.8)

(1.9)

(2.2)

(6.0)

(1.9)

(3.0)

2.

Local Authorities

1,11,380

1,13,667

2,17,533

2,57,407

4,53,627

6,24,066

7,82,540

9,95,141

2,287

39,875

1,70,440

2,12,601

(1.5)

(1.4)

(1.9)

(1.9)

(1.4)

(1.6)

(1.5)

(1.6)

(0.2)

(1.6)

(2.7)

(2.2)

3.

Quasi-Government Bodies

3,75,065

3,87,862

1,22,226

1,70,249

5,12,543

9,73,583

10,09,834

15,31,694

12,797

48,024

4,61,039

5,21,859

(5.1)

(4.7)

(1.1)

(1.2)

(1.6)

(2.5)

(2.0)

(2.5)

(1.4)

(2.0)

(7.4)

(5.4)

Of which: State Electricity Boards

1,25,920

1,49,694

1,269

2,822

61,503

1,06,015

1,88,692

2,58,531

23,773

1,553

44,512

69,839

(1.7)

(1.8)

-

-

(0.2)

(0.3)

(0.4)

(0.4)

(2.5)

(0.1)

(0.7)

(0.7)

4.

Public Sector Corporations

4,44,766

4,62,113

1,80,472

2,39,250

6,45,764

9,50,806

12,71,003

16,52,168

17,346

58,778

3,05,041

3,81,166

and Companies

(6.1)

(5.6)

(1.6)

(1.7)

(2.0)

(2.5)

(2.5)

(2.7)

(1.8)

(2.4)

(4.9)

(4.0)

i)

Non-Departmental

2,25,981

2,91,766

36,559

1,24,921

3,33,622

6,03,581

5,96,161

10,20,268

65,785

88,362

2,69,959

4,24,107

Commercial Undertakings

(3.1)

(3.5)

(0.3)

(0.9)

(1.0)

(1.6)

(1.2)

(1.7)

(7.0)

(3.6)

(4.3)

(4.4)

ii)

Others

2,18,786

1,70,347

1,43,913

1,14,329

3,12,143

3,47,225

6,74,842

6,31,901

- 48,439

- 29,584

35,082

- 42,941

(3.0)

(2.1)

(1.3)

(0.8)

(1.0)

(0.9)

(1.3)

(1.0)

(- 5.1)

(- 1.2)

(0.6)

(- 0.4)

II.

Private Corporate Sector

10,54,946

11,26,595

35,450

34,382

9,32,065

13,10,151

20,22,461

24,71,128

71,649

- 1,068

3,78,086

4,48,667

(Non-Financial)

(14.5)

(13.7)

(0.3)

(0.2)

(2.9)

(3.4)

(4.0)

(4.1)

(7.6)

-

(6.1)

(4.7)

1.

Non-Financial Companies

10,04,176

10,97,121

15,343

15,719

8,44,281

12,53,872

18,63,801

23,66,713

92,945

376

4,09,591

5,02,912

(13.8)

(13.3)

(0.1)

(0.1)

(2.6)

(3.3)

(3.7)

(3.9)

(9.8)

-

(6.6)

(5.2)

2.

Non-Credit Co-operative

50,769

29,474

20,107

18,663

87,784

56,279

1,58,660

1,04,415

- 21,296

- 1,444

-31,505

- 54,245

Institutions

(0.7)

(0.4)

(0.2)

(0.1)

(0.3)

(0.1)

(0.3)

(0.2)

(- 2.3)

(- 0.1)

(- 0.5)

(- 0.6)

III.

Financial Sector

12,86,002

15,94,889

1,36,094

1,86,872

24,88,401

26,93,512

39,10,497

44,75,274

3,08,888

50,778

2,05,111

5,64,777

(17.6)

(19.4)

(1.2)

(1.4)

(7.7)

(7.0)

(7.7)

(7.4)

(32.7)

(2.1)

(3.3)

(5.9)

1.

Banks

5,58,855

7,84,121

29,846

49,902

13,57,272

16,66,752

19,45,973

25,00,775

2,25,267

20,055

3,09,480

5,54,803

(7.7)

(9.5)

(0.3)

(0.4)

(4.2)

(4.3)

(3.8)

(4.1)

(23.9)

(0.8)

(5.0)

(5.8)

i)

Indian Commercial Banks

3,79,528

4,63,508

14,257

28,628

6,15,406

7,74,076

10,09,191

12,66,211

83,980

14,371

1,58,670

2,57,020

(5.2)

(5.6)

(0.1)

(0.2)

(1.9)

(2.0)

(2.0)

(2.1)

(8.9)

(0.6)

(2.5)

(2.7)

ii)

Foreign Resident Banks

32,342

44,294

1

696

24,486

27,791

56,828

72,781

11,952

695

3,305

15,952

(Offices of Foreign

(0.4)

(0.5)

-

-

(0.1)

(0.1)

(0.1)

(0.1)

(1.3)

-

(0.1)

(0.2)

Banks in India)

iii)

Co-operative Banks

1,46,985

2,76,319

15,589

20,578

7,17,380

8,64,885

8,79,953

11,61,783

1,29,335

4,989

1,47,506

2,81,830

& Credit Societies

(2.0)

(3.4)

(0.1)

(0.1)

(2.2)

(2.3)

(1.7)

(1.9)

(13.7)

(0.2)

(2.4)

(2.9)

a.

Co-operative Banks

1,32,581

2,64,848

4,643

1,976

6,55,384

8,22,765

7,92,607

10,89,589

1,32,268

- 2,667

1,67,381

2,96,982

(1.8)

(3.2)

-

-

(2.0)

(2.1)

(1.6)

(1.8)

(14.0)

(- 0.1)

(2.7)

(3.1)

b.

Credit Societies

14,404

11,471

10,946

18,603

61,996

42,121

87,346

72,194

- 2,933

7,656

-19,875

- 15,152

(0.2)

(0.1)

(0.1)

(0.1)

(0.2)

(0.1)

(0.2)

(0.1)

(- 0.3)

(0.3)

(- 0.3)

(- 0.2)

2.

Other Financial Institutions

3,99,290

5,11,077

64,719

80,653

6,63,731

4,65,354

11,27,740

10,57,084

1,11,787

15,934

- 1,98,377

- 70,656

(5.5)

(6.2)

(0.6)

(0.6)

(2.1)

(1.2)

(2.2)

(1.7)

(11.8)

(0.7)

(- 3.2)

(- 0.7)

i)

Financial Companies

40,700

48,850

5,969

11,022

48,765

37,975

95,433

97,846

8,150

5,053

-10,790

2,413

(0.6)

(0.6)

(0.1)

(0.1)

(0.2)

(0.1)

(0.2)

(0.2)

(0.9)

(0.2)

(- 0.2)

-

a.

Housing Finance Companies

32,418

34,871

5,927

11,022

43,783

33,568

82,128

79,460

2,453

5,095

-10,216

- 2,668

(0.4)

(0.4)

(0.1)

(0.1)

(0.1)

(0.1)

(0.2)

(0.1)

(0.3)

(0.2)

(- 0.2)

-

b.

Auto Finance Companies

8,281

13,979

42

-

4,982

4,407

13,305

18,386

5,697

- 42

- 574

5,081

(0.1)

(0.2)

-

-

-

-

-

-

(0.6)

-

-

(0.1)

ii)

Total of Mutual Funds

26,423

21,840

6,839

77

37,388

31,494

70,650

53,411

- 4,583

- 6,761

- 5,894

- 17,238

(including Private Sector

(0.4)

(0.3)

(0.1)

-

(0.1)

(0.1)

(0.1)

(0.1)

(- 0.5)

(- 0.3)

(- 0.1)

(- 0.2)

Mutual Funds)

a.

Mutual Funds in Private Sector

7,401

4,628

5

67

10,114

10,502

17,520

15,197

- 2,772

62

387

- 2,323

(0.1)

(0.1)

-

-

-

-

-

-

(- 0.3)

-

-

-

b.

Other Mutual Funds

19,023

17,212

6,834

11

27,273

20,992

53,130

38,215

- 1,81 1

- 6,823

- 6,281

- 14,915

(0.3)

(0.2)

(0.1)

-

(0.1)

(0.1)

(0.1)

(0.1)

(- 0.2)

(- 0.3)

(- 0.1)

(- 0.2)

iii)

Unit Trust of India

32,162

71,959

538

11

76,275

59,446

1,08,976

1,31,416

39,797

- 527

-16,829

22,440

(0.4)

(0.9)

-

-

(0.2)

(0.2)

(0.2)

(0.2)

(4.2)

-

(- 0.3)

(0.2)

iv)

Insurance Corporations and

1,84,449

1,97,546

11,153

9,848

1,43,302

1,74,472

3,38,904

3,81,866

13,097

- 1,305

31,170

42,962

Companies (Life and General)

(2.5)

(2.4)

(0.1)

(0.1)

(0.4)

(0.5)

(0.7)

(0.6)

(1.4)

(- 0.1)

(0.5)

(0.4)

v)

Term Lending Institutions

79,667

1,12,669

1,331

257

2,95,274

1,24,097

3,76,273

2,37,023

33,002

- 1,075

- 1,71,177

- 1,39,250

(1.1)

(1.4)

-

-

(0.9)

(0.3)

(0.7)

(0.4)

(3.5)

-

(- 2.7)

(- 1.4)

vi)

Provident Fund Institutions

35,889

58,213

38,889

59,438

62,727

37,870

1,37,504

1,55,521

22,324

20,550

-24,857

18,017

(0.5)

(0.7)

(0.3)

(0.4)

(0.2)

(0.1)

(0.3)

(- 0.3)

(2.4)

(0.8)

(- 0.4)

(0.2)

3. Other Financial Companies

3,27,857

2,99,692

41,529

56,317

4,67,399

5,61,406

8,36,785

9,17,415

-28,166

14,789

94,007

80,630

(4.5)

(3.6)

(0.4)

(0.4)

(1.5)

(1.5)

(1.6)

(1.5)

(- 3.0)

(0.6)

(1.5)

(0.8)

i)

Financial Services Companies

48,065

58,510

145

444

47,322

58,199

95,532

1,17,153

10,445

300

10,877

21,621

(0.7)

(0.7)

-

-

(0.1)

(0.2)

(0.2)

(0.2)

(1.1)

-

(0.2)

(0.2)

ii)

Other Financial Companies

1,18,242

1,14,065

17,803

4,430

2,03,621

2,38,554

3,39,666

3,57,049

- 4,177

- 13,374

34,934

17,383

(1.6)

(1.4)

(0.2)

-

(0.6)

(0.6)

(0.7)

(0.6)

(- 0.4)

(- 0.5)

(0.6)

(0.2)

iii)

Others

1,61,550

1,27,116

23,581

51,444

2,16,457

2,64,653

4,01,587

4,43,213

- 34,434

27,863

48,196

41,625

(2.2)

(1.5)

(0.2)

(0.4)

(0.7)

(0.7)

(0.8)

(0.7)

(- 3.6)

(1.1)

(0.8)

(- 0.4)

IV.

Household Sector

34,08,087

38,42,553

97,98,482

1,17,25,861

2,10,51,835

2,47,07,390

3,42,58,405

4,02,75,804

4,34,466

19,27,379

36,55,554

60,17,399

(46.7)

(46.6)

(86.0)

(84.8)

(65.4)

(64.3)

(67.4)

(66.6)

(46.0)

(79.1)

(58.6)

(62.6)

1. Individuals (including Hindu

15,28,349

17,83,756

86,60,269

1,01,04,328

1,66,68,631

1,95,38,988

26,85,72,49

3,14,27,072

2,55,407

14,44,059

28,70,357

45,69,823

Undivided Families)

(21.0)

(21.7)

(76.0)

(73.1)

(51.8)

(50.9)

(52.8)

(52.0)

(27.1)

(59.2)

(46.0)

(47.5)

i)

Farmers

66,456

63,424

17,34,308

18,94,150

35,60,399

37,86,636

53,61,163

57,44,209

- 3,033

1,59,842

2,26,236

3,83,046

(0.9)

(0.8)

(15.2)

(13.7)

(11.1)

(9.9)

(10.5)

(9.5)

(- 0.3)

(6.6)

(3.6)

(4.0)

ii)

Bussinessmen, Traders,

10,09,205

12,05,760

15,94,531

17,62,176

36,48,216

40,87,953

62,51,953

70,55,889

1,96,554

1,67,645

4,39,737

8,03,936

Professionals

(13.8)

(14.6)

(14.0)

(12.7)

(11.3)

(10.6)

(12.3)

(11.7)

(20.8)

(6.9)

(7.1)

(8.4)

and Self-Employed Persons

iii)

Wage and Salary Earners

1,05,060

1,07,684

27,49,542

32,32,387

43,69,604

48,83,539

72,24,206

82,23,610

2,624

4,82,845

5,13,934

9,99,404

(1.4)

(1.3)

(24.1)

(23.4)

(13.6)

(12.7)

(14.2)

(13.6)

(0.3)

(19.8)

(8.2)

(10.4)

iv)

Shroffs, Money Lenders, Stock

85,708

79,669

49,421

67,190

1,25,449

1,91,304

2,60,578

3,38,162

- 6,039

17,769

65,854

77,584

Brokers, Dealers in Bullion etc.

(1.2)

(1.0)

(0.4)

(0.5)

(0.4)

(0.5)

(0.5)

(- 0.6)

(- 0.6)

(0.7)

(1.1)

(0.8)

v)

Other Individuals

2,61,919

3,27,219

25,32,468

31,48,425

49,64,962

65,89,557

77,59,349

1,00,65,201

65,299

6,15,958

16,24,595

23,05,852

(3.6)

(4.0)

(22.2)

(22.8)

(15.4)

(17.2)

(15.3)

(16.6)

(6.9)

(25.3)

(26.1)

(24.0)

2. Trusts, Associations, Clubs etc.

93,918

82,850

1,43,646

1,66,808

4,56,216

4,68,837

6,93,779

7,18,495

-11,068

23,162

12,622

24,716

(1.3)

(1.0)

(1.3)

(1.2)

(1.4)

(1.2)

(1.4)

(1.2)

( -1.2)

(1.0)

(0.2)

(0.3)

3. Proprietary and Partnership

Concerns etc.

13,66,041

15,03,665

36,505

76,915

6,82,803

9,27,890

20,85,348

25,08,470

1,37,624

40,410

2,45,088

4,23,122

(18.7)

(18.3)

(0.3)

(0.6)

(2.1)

(2.4)

(4.1)

(4.1)

(14.6)

(1.7)

(3.9)

(4.4)

4. Educational Institutions

72,900

75,956

1,84,432

2,16,242

3,47,051

3,74,879

6,04,382

6,67,077

3,056

31,810

27,828

62,695

(1.0)

(0.9)

(1.6)

(1.6)

(1.1)

(1.0)

(1.2)

(1.1)

(0.3)

(1.3)

(0.4)

(0.7)

5. Religious Institutions

13,128

15,172

80,131

71,343

2,82,597

3,09,321

3,75,856

3,95,836

2,044

- 8,788

26,724

19,979

(0.2)

(0.2)

(0.7)

(0.5)

(0.9)

(0.8)

(0.7)

(0.7)

(0.2)

(- 0.4)

(0.4)

(0.2)

6. Others (Not elsewhere Classified)

3,33,752

3,81,155

6,93,500

10,90,225

26,14,538

30,87,474

36,41,790

45,58,854

47,403

3,96,726

4,72,936

9,17,064

(4.6)

(4.6)

(6.1)

(7.9)

(8.1)

(8.0)

(7.2)

(7.5)

(5.0)

(16.3)

(7.6)

(9.5)

V. Foreign Sector

1,53,022

2,29,962

5,44,257

7,26,672

55,91,728

62,89,066

62,89,006

72,45,700

76,940

1,82,,415

6,97,338

9,56,693

(2.1)

(2.8)

(4.8)

(5.3)

(17.4)

(16.4)

(12.4)

(12.0)

(8.1)

(7.5)

(11.2)

(9.9)

1.

Foreign Consulates,

19,703

16,518

19,132

7,991

84,649