Flow of Financial Assets and Liabilities of Households - Instrument-wise

ମୁଖ୍ୟ କଣ୍ଟେଣ୍ଟ କୁ ଯାଆନ୍ତୁ

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ପ୍ରକାଶିତ ତାରିଖ ଅଗଷ୍ଟ 28, 2025

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Flow of Financial Assets and Liabilities of Households - Instrument-wise

50 (a). Flow of Financial Assets and Liabilities of Households - Instrument-wise

(Amount in ₹ Crore)

Item

2022-23

Annual

Net Financial Assets (I-II)

287802.7

297217.6

293954.9

451660.3

1330635.4

Per cent of GDP

4.4

4.6

4.3

6.4

4.9

I. Financial Assets

577822.4

632335.6

748109.7

968986.1

2927253.7

Per cent of GDP

8.9

9.8

11.0

13.6

10.9

of which:

1.Total Deposits (a+b)

185429.1

317361.2

280233.1

325852.7

1108876.2

(a) Bank Deposits

163172.4

299532.7

256399.7

307866.8

1026971.5

i. Commercial Banks

158613.3

300565.0

248459.8

284968.0

992606.2

ii. Co-operative Banks

4559.0

-1032.4

7939.8

22898.9

34365.3

(b) Non-Bank Deposits

22256.8

17828.6

23833.5

17985.9

81904.7

of which:

Other Financial Institutions (i+ii)

6504.8

2076.7

8081.6

2234.0

18897.1

i. Non-Banking Financial Companies

4230.6

3267.2

3246.9

3945.8

14690.4

ii. Housing Finance Companies

2274.2

-1190.5

4834.7

-1711.8

4206.6

2. Life Insurance Funds

73357.5

151737.1

167581.7

156268.5

548944.9

3. Provident and Pension Funds (including PPF)

146719.1

118171.9

136388.4

216513.6

617793.1

4. Currency

66438.9

-54579.3

76760.1

148990.1

237609.7

5. Investments

51502.6

48530.1

49778.6

64150.6

213961.9

of which:

(a) Mutual Funds

35443.5

44484.0

40205.9

58954.5

179087.8

(b) Equity

13560.9

1378.2

6434.1

1664.9

23038.1

6. Small Savings (excluding PPF)

54375.1

51114.5

37367.7

57210.6

200068.0

II. Financial Liabilities

290019.7

335118.0

454154.8

517325.8

1596618.3

Per cent of GDP

4.5

5.2

6.7

7.3

5.9

Loans/Borrowings

1. Financial Corporations (a+b)

289781.5

334879.7

453916.6

517087.5

1595665.3

(a) Banking Sector

234235.0

263450.2

370782.9

383843.2

1252311.4

of which:

i. Commercial Banks

230283.8

261265.3

368304.6

331291.0

1191144.8

(b) Other Financial Institutions

55546.4

71429.5

83133.7

133244.3

343353.9

i. Non-Banking Financial Companies

30531.7

36650.3

55791.7

94565.3

217539.1

ii. Housing Finance Companies

22336.7

33031.2

24903.3

36745.8

117017.0

iii. Insurance Corporations

2678.0

1747.9

2438.7

1933.2

8797.8

2. Non-Financial Corporations (Private Corporate Business)

33.7

135.0

3. General Government

204.5

818.0

No. 50 (a): Flow of Financial Assets and Liabilities of Households - Instrument-wise (Contd.)

(Amount in ₹ Crore)

Item

2023-24

Annual

Net Financial Assets (I-II)

349607.1

283994.4

294431.6

666547.4

1594580.4

Per cent of GDP

4.8

3.9

3.8

8.4

5.3

I. Financial Assets

671244.1

810128.8

805066.2

1187279.1

3473718.2

Per cent of GDP

9.3

11.2

10.4

14.9

11.5

of which:

1.Total Deposits (a+b)

266680.3

407948.0

296931.3

406706.9

1378266.4

(a) Bank Deposits

253004.1

501768.5

277432.0

390720.4

1422924.9

i. Commercial Banks

243833.9

502260.7

280096.7

383460.6

1409651.9

ii. Co-operative Banks

9170.2

-492.2

-2664.7

7259.8

13273.0

(b) Non-Bank Deposits

13676.2

-93820.5

19499.4

15986.5

-44658.5

of which:

Other Financial Institutions (i+ii)

-485.4

-107982.1

5337.7

1824.9

-101304.9

i. Non-Banking Financial Companies

6119.3

4782.3

4895.8

1942.9

17740.3

ii. Housing Finance Companies

-6604.7

-112764.4

441.9

-118.0

-119045.2

2. Life Insurance Funds

157301.9

140356.8

160135.2

189267.6

647061.4

3. Provident and Pension Funds (including PPF)

163686.0

148356.1

153435.1

253882.9

719360.2

4. Currency

-48636.2

-36700.8

56719.0

146643.8

118025.7

5. Investments

41014.3

72664.6

79238.2

108336.6

301253.8

of which:

(a) Mutual Funds

32085.6

55768.8

60134.6

90973.0

238962.1

(b) Equity

3756.7

7146.3

9941.1

8236.1

29080.1

6. Small Savings (excluding PPF)

91197.8

77504.1

58607.4

82441.4

309750.7

II. Financial Liabilities

321637.1

526134.4

510634.6

520731.7

1879137.8

Per cent of GDP

4.5

7.3

6.6

6.5

6.2

Loans/Borrowings

1. Financial Corporations (a+b)

321519.8

526016.2

510516.4

520613.5

1878665.8

(a) Banking Sector

213606.3

868873.9

402647.1

392330.5

1877457.7

of which:

i. Commercial Banks

208026.5

875654.0

389898.0

382557.9

1856136.4

(b) Other Financial Institutions

107913.6

-342857.7

107869.2

128283.0

1208.0

i. Non-Banking Financial Companies

81448.8

59683.7

85031.8

100836.5

327000.7

ii. Housing Finance Companies

23784.0

-404294.0

21233.4

25852.9

-333423.7

iii. Insurance Corporations

2680.7

1752.6

1604.0

1593.6

7631.0

2. Non-Financial Corporations (Private Corporate Business)

33.7

34.7

138.0

3. General Government

83.5

334.0

No. 50 (a): Flow of Financial Assets and Liabilities of Households - Instrument-wise (Concld.)

(Amount in ₹ Crore)

Item

2024-25

Annual

Net Financial Assets (I-II)

551994.2

496676.1

271043.1

674489.0

1994202.4

Per cent of GDP

7.0

6.3

3.2

7.6

6.0

I. Financial Assets

840665.3

901135.4

689663.5

1129381.1

3560845.4

Per cent of GDP

10.6

11.5

8.1

12.8

10.8

of which:

1.Total Deposits (a+b)

274567.9

403591.4

158320.8

418183.6

1254663.6

(a) Bank Deposits

254885.4

388328.6

141290.0

401577.5

1186081.4

i. Commercial Banks

251171.1

389734.0

147864.7

395337.4

1184107.2

ii. Co-operative Banks

3714.3

-1405.4

-6574.7

6240.0

1974.2

(b) Non-Bank Deposits

19682.4

15262.8

17030.8

16606.1

68582.2

of which:

Other Financial Institutions (i+ii)

7461.4

3041.8

4809.8

4385.1

19698.2

i. Non-Banking Financial Companies

6289.7

3230.0

4444.5

4220.0

18184.2

ii. Housing Finance Companies

1171.7

-188.2

365.4

165.1

1514.0

2. Life Insurance Funds

175427.0

178835.2

90159.4

90393.0

534814.6

3. Provident and Pension Funds (including PPF)

170218.2

170219.6

170758.3

281332.6

792528.6

4. Currency

34212.5

-57615.2

70840.8

162236.1

209674.1

5. Investments

120638.2

152637.1

159255.2

103720.8

536251.4

of which:

(a) Mutual Funds

106987.0

137618.0

124132.0

97193.0

465930.0

(b) Equity

14448.0

15645.0

36063.1

7410.3

73566.5

6. Small Savings (excluding PPF)

65601.6

53467.4

40329.0

73515.0

232913.0

II. Financial Liabilities

288671.1

404459.3

418620.4

454892.1

1566642.9

Per cent of GDP

3.7

5.2

4.9

5.2

4.7

Loans/Borrowings

1. Financial Corporations (a+b)

288492.4

404280.6

418441.7

454713.3

1565928.0

(a) Banking Sector

205040.4

322147.7

319626.6

387045.6

1233860.3

of which:

i. Commercial Banks

208525.3

321241.4

302569.3

379856.5

1212192.4

(b) Other Financial Institutions

83452.0

82132.9

98815.0

67667.7

332067.7

i. Non-Banking Financial Companies

65813.7

65488.7

75764.5

39833.9

246900.8

ii. Housing Finance Companies

15125.2

14233.6

20561.4

25756.8

75677.0

iii. Insurance Corporations

2513.1

2410.7

2489.1

2077.1

9489.9

2. Non-Financial Corporations (Private Corporate Business)

34.7

139.0

3. General Government

144.0

576.0

Notes :
1. Net Financial Savings of households refer to the net financial assets, which are measured as difference of financial asset and liabilities flows.
2. Preliminary estimates for 2024-25 and revised estimates for 2022-23 and 2023-24.
3. The preliminary estimates for 2024-25 will undergo revision with the release of first revised estimates of national income, consumption expenditure, savings, and capital formation, 2024-25 by the NSO.
4. Non-bank deposits apart from other financial institutions, comprises state power utilities, co-operative non credit societies etc.
5. Figures in the columns may not add up to the total due to rounding off.