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

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Published on June 25, 2025

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

(Amount in ₹ Crore)

Item

2021-22

Annual

Net Financial Assets (I-II)

3,42,813

3,30,490

4,85,203

5,54,816

17,13,322

Per cent of GDP

6.6

5.9

7.7

8.5

7.3

I. Financial Assets

3,63,395

5,25,419

8,16,484

9,07,366

26,12,664

Per cent of GDP

7.0

9.3

13.0

13.9

11.1

of which:

1. Total Deposits (a)+(b)

(81,064)

2,04,486

4,28,035

2,83,634

8,35,091

(a) Bank Deposits

(1,06,429)

1,97,105

4,22,393

2,70,025

7,83,094

i. Commercial Banks

(1,07,941)

1,95,442

4,18,267

2,62,326

7,68,094

ii. Co-operative Banks

1,512

1,663

4,126

7,699

15,000

(b) Non-Bank Deposits

25,365

7,380

5,642

13,610

51,997

of which:

Other Financial Institutions (i+ii)

17,555

(435)

(2,178)

5,770

20,712

i. Non-Banking Financial Companies

5,578

(1,371)

4,021

8,302

ii. Housing Finance Companies

11,977

936

(2,252)

1,748

12,410

2. Life Insurance Funds

1,15,539

1,28,277

1,04,076

1,38,998

4,86,889

3. Provident and Pension Funds (including PPF)

1,24,971

1,12,810

95,493

2,18,719

5,51,993

4. Currency

1,28,660

(68,631)

62,793

1,46,845

2,69,667

5. Investments

24,884

82,260

69,715

50,926

2,27,785

of which:

(a) Mutual Funds

14,573

63,151

37,912

44,964

1,60,600

(b) Equity

4,502

13,218

27,808

3,084

48,613

6. Small Savings (excluding PPF)

50,405

66,218

56,372

68,243

2,41,238

II. Financial Liabilities

20,583

1,94,929

3,31,281

3,52,550

8,99,343

Per cent of GDP

0.4

3.5

5.3

5.4

3.8

Loans (Borrowings) from

1. Financial Corporations (a+b)

20,479

1,94,825

3,31,178

3,52,446

8,98,928

(a) Banking Sector

21,428

1,38,720

2,67,955

2,74,181

7,02,284

of which:

i. Commercial Banks

26,979

1,40,269

2,65,271

3,37,010

7,69,529

(b) Other Financial Institutions

(949)

56,105

63,223

78,266

1,96,644

i. Non-Banking Financial Companies

(8,708)

30,151

32,177

40,003

93,623

ii. Housing Finance Companies

7,132

24,404

29,495

37,436

98,467

iii. Insurance Corporations

627

1,550

1,551

827

4,554

2. Non-Financial Corporations (Private Corporate Business)

135

3. General Government

279

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

(Amount in ₹ Crore)

Item

2022-23

Annual

Net Financial Assets (I-II)

2,89,980

2,99,395

2,96,132

4,54,240

13,39,748

Per cent of GDP

4.5

4.6

4.3

6.4

5.0

I. Financial Assets

5,79,958

6,34,471

7,50,245

9,71,526

29,36,200

Per cent of GDP

8.9

9.8

10.9

13.6

10.9

of which:

1.Total Deposits (a)+(b)

1,85,429

3,17,361

2,80,233

3,25,853

11,08,876

(a) Bank Deposits

1,63,172

2,99,533

2,56,400

3,07,867

10,26,971

i. Commercial Banks

1,58,613

3,00,565

2,48,460

2,84,968

9,92,606

ii. Co-operative Banks

4,559

(1,032)

7,940

22,899

34,365

(b) Non-Bank Deposits

22,257

17,829

23,833

17,986

81,905

of which:

Other Financial Institutions (i+ii)

6,505

2,077

8,082

2,234

18,897

i. Non-Banking Financial Companies

4,231

3,267

3,247

3,946

14,690

ii. Housing Finance Companies

2,274

(1,191)

4,835

(1,712)

4,207

2. Life Insurance Funds

73,298

1,51,677

1,67,522

1,56,613

5,49,109

3. Provident and Pension Funds (including PPF)

1,48,915

1,20,367

1,38,584

2,18,709

6,26,575

4. Currency

66,439

(54,579)

76,760

1,48,990

2,37,610

5. Investments

51,503

48,530

49,779

64,151

2,13,962

of which:

(a) Mutual Funds

35,443

44,484

40,206

58,955

1,79,088

(b) Equity

13,561

1,378

6,434

1,665

23,038

6. Small Savings (excluding PPF)

54,375

51,115

37,368

57,211

2,00,068

II. Financial Liabilities

2,89,978

3,35,076

4,54,113

5,17,285

15,96,452

Per cent of GDP

4.5

5.2

6.6

7.3

5.9

Loans (Borrowings) from

1. Financial Corporations (a+b)

2,89,781

3,34,880

4,53,917

5,17,089

15,95,667

(a) Banking Sector

2,34,235

2,63,450

3,70,783

3,83,845

12,52,313

of which:

i. Commercial Banks

2,30,284

2,61,265

3,68,305

3,31,293

11,91,146

(b) Other Financial Institutions

55,546

71,429

83,134

1,33,244

3,43,354

i. Non-Banking Financial Companies

30,532

36,650

55,792

94,565

2,17,539

ii. Housing Finance Companies

22,337

33,031

24,903

36,746

1,17,017

iii. Insurance Corporations

2,678

1,748

2,439

1,933

8,798

2. Non-Financial Corporations (Private Corporate Business)

135

3. General Government

163

650

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

(Amount in ₹ Crore)

Item

2023-24

Annual

Net Financial Assets (I-II)

3,53,093

2,89,675

2,98,111

6,11,366

15,52,245

Per cent of GDP

5.0

4.1

3.9

7.8

5.3

I. Financial Assets

6,74,763

8,15,842

8,08,779

11,32,130

34,31,514

Per cent of GDP

9.6

11.5

10.7

14.5

11.6

of which:

1.Total Deposits (a)+(b)

2,68,925

4,12,388

2,99,372

4,10,559

13,91,244

(a) Bank Deposits

2,55,249

5,06,208

2,79,872

3,94,573

14,35,902

i. Commercial Banks

2,46,079

5,06,700

2,82,537

3,87,313

14,22,629

ii. Co-operative Banks

9,170

(492)

(2,665)

7,260

13,273

(b) Non-Bank Deposits

13,676

(93,820)

19,499

15,986

(44,658)

of which:

Other Financial Institutions (i+ii)

(485)

(1,07,982)

5,338

1,825

(1,01,305)

i. Non-Banking Financial Companies

6,119

4,782

4,896

1,943

17,740

ii. Housing Finance Companies

(6,605)

(1,12,764)

442

(118)

(1,19,045)

2. Life Insurance Funds

1,58,358

1,41,413

1,61,192

1,30,036

5,90,999

3. Provident and Pension Funds (including PPF)

1,63,508

1,48,178

1,53,255

2,53,719

7,18,661

4. Currency

(48,636)

(36,701)

56,719

1,46,644

1,18,026

5. Investments

41,409

73,060

79,633

1,08,732

3,02,834

of which:

(a) Mutual Funds

32,086

55,769

60,135

90,973

2,38,962

(b) Equity

3,757

7,146

9,941

8,236

29,080

6. Small Savings (excluding PPF)

91,198

77,504

58,607

82,441

3,09,751

II. Financial Liabilities

3,21,670

5,26,167

5,10,667

5,20,764

18,79,269

Per cent of GDP

4.6

7.4

6.7

6.4

Loans (Borrowings) from

1. Financial Corporations (a+b)

3,21,520

5,26,016

5,10,516

5,20,613

18,78,666

(a) Banking Sector

2,13,606

8,68,874

4,02,647

3,92,330

18,77,458

of which:

i. Commercial Banks

2,08,027

8,75,654

3,89,898

3,82,558

18,56,136

(b) Other Financial Institutions

1,07,914

(3,42,858)

1,07,869

1,28,283

1,208

i. Non-Banking Financial Companies

81,449

59,684

85,032

1,00,836

3,27,001

ii. Housing Finance Companies

23,784

(4,04,294)

21,233

25,853

(3,33,424)

iii. Insurance Corporations

2,681

1,753

1,604

1,594

7,631

2. Non-Financial Corporations (Private Corporate Business)

138

3. General Government

116

465

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 2023-24 and revised estimates for 2021-22 and 2022-23.
3. The preliminary estimates for 2023-24 will undergo revision with the release of ﬁrst revised estimates of national income, consumption expenditure, savings, and capital formation, 2023-24 by the National Statistical Oﬃce (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.