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50 (a). Flow of Financial Assets and Liabilities of Households - Instrument-wise
Date : Mar 17, 2022
(Amount in ₹ Crore)
Item 2018-19
Q1 Q2 Q3 Q4 Annual
Net Financial Assets (I-II) 274259.3 321740.3 253754.5 642691.2 1492445.3
Per cent of GDP 6.0 6.9 5.2 13.4 7.9
I. Financial Assets 358515.3 576730.6 391939.2 936505.3 2263690.4
Per cent of GDP 7.9 12.4 8.1 19.5 12.0
of which:          
1. Total Deposits (a+b) -53701.5 302123.2 22607.1 539383.9 810412.8
(a) Bank Deposits -63806.9 292541.5 13060.8 535297.3 777092.6
i. Commercial Banks -62127.0 289468.1 10634.6 490680.6 728656.4
ii. Co-operative Banks -1679.9 3073.4 2426.2 44616.6 48436.3
(b) Non-Bank Deposits 10105.5 9581.7 9546.4 4086.6 33320.2
2. Life Insurance Funds 91771.1 98477.3 89395.1 112489.6 392133.2
3. Provident and Pension Funds (including PPF) 98655.9 98158.9 99709.9 103561.9 400086.7
4. Currency 111196.6 -32134.4 102656.5 96153.4 277872.1
5. Investments 58281.3 57793.7 25258.8 32604.6 173938.4
of which:          
(a) Mutual Funds 49798.2 49798.2 23816.6 28146.8 151559.9
(b) Equity 2001.2 3054.4 471.0 855.8 6382.4
6. Small Savings (excluding PPF) 51259.6 51259.6 51259.6 51259.6 205038.3
II. Financial Liabilities 84255.9 254990.3 138184.7 293814.1 771245.0
Per cent of GDP 1.8 5.5 2.8 6.1 4.1
Loans (Borrowings) from          
1. Financial Corporations (a+b) 84085.7 254820.0 138014.4 293643.8 770563.9
(a) Banking Sector 42852.5 171884.2 141026.9 248612.6 604376.2
of which:          
Commercial Banks 39005.8 170252.0 141845.9 227069.5 578173.3
(b) Other Financial Institutions 41233.1 82935.8 -3012.4 45031.2 166187.7
i. Non-Banking Financial Companies 15057.0 52605.2 -3755.8 28952.6 92859.0
ii. Housing Finance Companies 23560.2 28328.8 -786.8 14118.7 65220.9
iii. Insurance Companies 2615.9 2001.9 1530.1 1959.9 8107.8
2. Non-Financial Corporations (Private Corporate Business) 33.8 33.8 33.8 33.8 135.1
3. General Government 136.5 136.5 136.5 136.5 546.0

No. 50 (a): Flow of Financial Assets and Liabilities of Households - Instrument-wise (Contd.)
(Amount in ₹ Crore)
Item 2019-20
Q1 Q2 Q3 Q4 Annual
Net Financial Assets (I-II) 252658.0 513118.4 400437.3 446254.3 1612468.0
Per cent of GDP 5.1 10.6 7.8 8.7 8.0
I. Financial Assets 413192.2 604322.7 538186.1 843385.9 2399086.9
Per cent of GDP 8.4 12.4 10.5 16.4 12.0
of which:          
1. Total Deposits (a+b) 13020.4 299089.8 138131.8 473183.4 923425.5
(a) Bank Deposits -9769.4 280588.7 130328.0 465529.7 866677.0
i. Commercial Banks -13293.8 269475.4 66666.7 446006.7 768855.0
ii. Co-operative Banks 3524.4 11113.2 63661.3 19523.0 97822.0
(b) Non-Bank Deposits 22789.9 18501.2 7803.7 7653.7 56748.5
2. Life Insurance Funds 117394.9 107731.0 109895.6 37236.1 372257.5
3. Provident and Pension Funds (including PPF) 110601.0 113593.0 113676.0 117235.0 455104.9
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) 65930.8 65930.8 65930.8 65930.8 263723.4
II. Financial Liabilities 160534.2 91204.3 137748.8 397131.6 786618.9
Per cent of GDP 3.2 1.9 2.7 7.7 3.9
Loans (Borrowings) from          
1. Financial Corporations (a+b) 160500.7 91170.8 137715.2 397098.1 786484.7
(a) Banking Sector 141332.5 58250.2 121754.0 200413.2 521749.9
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 (Concld.)
(Amount in ₹ Crore)
Item 2020-21
Q1 Q2 Q3 Q4 Annual
Net Financial Assets (I-II) 623053.8 592327.3 506558.3 581769.1 2303708.6
Per cent of GDP 16.1 12.5 9.3 10.1 11.6
I. Financial Assets 828447.4 630907.1 676131.6 973510.9 3108997.0
Per cent of GDP 21.4 13.4 12.4 16.9 15.7
of which:          
1. Total Deposits (a+b) 297376.2 278589.7 158113.5 533651.5 1267730.9
(a) Bank Deposits 281155.1 264523.3 147037.2 535157.5 1227873.0
i. Commercial Banks 279010.5 262033.7 143558.6 471730.9 1156333.7
ii. Co-operative Banks 2144.6 2489.6 3478.6 63426.6 71539.3
(b) Non-Bank Deposits 16221.1 14066.4 11076.3 -1506.0 39857.9
2. Life Insurance Funds 122369.1 141443.4 155516.3 100812.3 520141.0
3. Provident and Pension Funds (including PPF) 121582.5 124106.5 124949.5 130185.5 500824.0
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) 77381.6 77381.6 77381.6 77381.6 309526.3
II. Financial Liabilities 205393.5 38579.8 169573.3 391741.8 805288.5
Per cent of GDP 5.3 0.8 3.1 6.8 4.1
Loans (Borrowings) from          
1. Financial Corporations (a+b) 205436.7 38623.0 169616.5 391785.8 805462.1
(a) Banking Sector 211005.3 13211.7 139387.5 304100.8 667705.3
of which:          
Commercial Banks 211259.3 13213.8 140514.3 242476.0 607463.5
(b) Other Financial Institutions -5568.6 25411.3 30229.0 87685.1 137756.8
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 1022.9 2556.6
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
Notes: 1. Data as ratios to GDP have been calculated based on the Second Advance Estimates of National Income 2021-22 released on February 28, 2022.
2. Figures in the columns may not add up to the total due to rounding off.

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