| No. 50 (a): Flow of Financial Assets and Liabilities of Households - Instrument-wise |
| (Amount in ₹ Crore) |
| Item | 2020-21 |
| Q1 | Q2 | Q3 | Q4 | Annual |
| Net Financial Assets (I-II) | 583412.7 | 554437.6 | 463583.5 | 679174.4 | 2280608.2 |
| Per cent of GDP | 15.0 | 11.7 | 8.5 | 11.8 | 11.5 |
| I. Financial Assets | 788786.3 | 592945.3 | 633317.9 | 1047276.1 | 3062325.6 |
| Per cent of GDP | 20.3 | 12.5 | 11.6 | 18.2 | 15.4 |
| of which: | | | | | |
| 1. Total Deposits (a+b) | 297412.4 | 278631.7 | 158172.2 | 506213.3 | 1240429.7 |
| (a) Bank Deposits | 281191.3 | 264565.3 | 147096.0 | 507719.3 | 1200571.8 |
| i. Commercial Banks | 279010.5 | 262033.7 | 143558.6 | 462689.8 | 1147292.5 |
| ii. Co-operative Banks | 2180.8 | 2531.6 | 3537.3 | 45029.5 | 53279.3 |
| (b) Non-Bank Deposits | 16221.1 | 14066.4 | 11076.3 | -1506.0 | 39857.9 |
| of which: | | | | | |
| Other Financial Institutions (i+ii) | 11040.9 | 8886.2 | 5896.0 | -6686.2 | 19137.0 |
| i. Non-Banking Financial Companies | 1441.0 | 3763.0 | 3514.8 | 3521.2 | 12240.0 |
| ii. Housing Finance Companies | 9599.9 | 5123.2 | 2381.3 | -10207.3 | 6897.0 |
| 2. Life Insurance Funds | 124387.9 | 143462.2 | 157535.1 | 142216.5 | 567601.8 |
| 3. Provident and Pension Funds (including PPF) | 114496.3 | 107087.9 | 105344.6 | 175769.3 | 502698.2 |
| 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) | 42751.6 | 54377.4 | 52095.1 | 91597.0 | 240821.1 |
| II. Financial Liabilities | 205373.6 | 38507.7 | 169734.4 | 368101.7 | 781717.4 |
| Per cent of GDP | 5.3 | 0.8 | 3.1 | 6.4 | 3.9 |
| Loans/Borrowings | | | | | |
| 1. Financial Corporations (a+b) | 205490.3 | 38624.3 | 169851.0 | 368219.1 | 782184.7 |
| (a) Banking Sector | 211058.8 | 13213.0 | 139622.0 | 276579.8 | 640473.6 |
| of which: | | | | | |
| i. Commercial Banks | 211259.3 | 13213.8 | 140514.3 | 240050.4 | 605037.9 |
| (b) Other Financial Institutions | -5568.6 | 25411.3 | 30229.0 | 91639.4 | 141711.1 |
| i. Non-Banking Financial Companies | -15450.4 | 21627.1 | 15921.2 | 64881.1 | 86979.0 |
| ii. Housing Finance Companies | 10516.6 | 2875.1 | 13048.5 | 25336.1 | 51776.2 |
| iii. Insurance Corporations | -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 | -150.4 | -150.4 | -150.4 | -150.4 | -601.7 |
| No. 50 (a): Flow of Financial Assets and Liabilities of Households - Instrument-wise (Contd.) |
| (Amount in ₹ Crore) |
| Item | 2021-22 |
| Q1 | Q2 | Q3 | Q4 | Annual |
| Net Financial Assets (I-II) | 370115.8 | 334234.9 | 489774.4 | 503089.0 | 1696155.6 |
| Per cent of GDP | 7.2 | 6.0 | 7.9 | 7.7 | 7.2 |
| I. Financial Assets | 364661.7 | 527896.1 | 818355.4 | 887657.3 | 2597511.9 |
| Per cent of GDP | 7.1 | 9.4 | 13.1 | 13.6 | 11.1 |
| of which: | | | | | |
| 1. Total Deposits (a+b) | -82726.1 | 204033.6 | 426977.3 | 277625.7 | 824852.1 |
| (a) Bank Deposits | -106428.9 | 197105.1 | 422392.9 | 264882.9 | 777952.1 |
| i. Commercial Banks | -107940.7 | 195441.8 | 418267.0 | 262326.1 | 768094.3 |
| ii. Co-operative Banks | 1511.8 | 1663.4 | 4125.9 | 2556.8 | 9857.8 |
| (b) Non-Bank Deposits | 23702.8 | 6928.5 | 4584.5 | 12742.8 | 46900.0 |
| of which: | | | | | |
| Other Financial Institutions (i+ii) | 16950.0 | 170.7 | -2178.3 | 5960.0 | 20902.3 |
| i. Non-Banking Financial Companies | 4972.6 | -765.5 | 73.3 | 4211.8 | 8492.2 |
| ii. Housing Finance Companies | 11977.3 | 936.2 | -2251.6 | 1748.2 | 12410.1 |
| 2. Life Insurance Funds | 114711.5 | 127449.8 | 103248.6 | 121541.6 | 466951.5 |
| 3. Provident and Pension Funds (including PPF) | 127624.0 | 115463.1 | 98146.0 | 221372.4 | 562605.5 |
| 4. Currency | 128660.2 | -68631.2 | 62793.3 | 146845.0 | 269667.4 |
| 5. Investments | 24929.6 | 82305.4 | 69760.9 | 50972.1 | 227967.9 |
| 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) | 50405.2 | 66218.1 | 56372.0 | 68243.2 | 241238.4 |
| II. Financial Liabilities | -5454.1 | 193661.2 | 328581.0 | 384568.3 | 901356.3 |
| Per cent of GDP | -0.1 | 3.5 | 5.3 | 5.9 | 3.8 |
| Loans/Borrowings | | | | | |
| 1. Financial Corporations (a+b) | -5562.3 | 193553.0 | 328472.8 | 384460.1 | 900923.7 |
| (a) Banking Sector | 21436.5 | 138722.6 | 267950.7 | 348360.4 | 776470.2 |
| of which: | | | | | |
| i. Commercial Banks | 26978.6 | 140268.7 | 265271.5 | 337009.8 | 769528.5 |
| (b) Other Financial Institutions | -26998.8 | 54830.4 | 60522.2 | 36099.7 | 124453.5 |
| i. Non-Banking Financial Companies | -34757.9 | 28876.8 | 29476.5 | -2163.2 | 21432.2 |
| ii. Housing Finance Companies | 7132.0 | 24403.8 | 29494.8 | 37436.2 | 98466.8 |
| iii. Insurance Corporations | 627.1 | 1549.8 | 1550.9 | 826.7 | 4554.5 |
| 2. Non-Financial Corporations (Private Corporate Business) | 33.8 | 33.8 | 33.8 | 33.8 | 135.1 |
| 3. General Government | 74.4 | 74.4 | 74.4 | 74.4 | 297.4 |
| No. 50 (a): Flow of Financial Assets and Liabilities of Households - Instrument-wise (Concld.) |
| (Amount in ₹ Crore) |
| Item | 2022-23 |
| Q1 | Q2 | Q3 | Q4 | Annual |
| Net Financial Assets (I-II) | 297770.4 | 293705.1 | 279460.1 | 505937.8 | 1376873.5 |
| Per cent of GDP | 4.6 | 4.5 | 4.0 | 7.0 | 5.1 |
| I. Financial Assets | 586920.5 | 646714.8 | 750856.7 | 974558.5 | 2959050.5 |
| Per cent of GDP | 9.0 | 9.8 | 10.8 | 13.6 | 10.9 |
| of which: | | | | | |
| 1. Total Deposits (a+b) | 183072.0 | 315216.2 | 276593.9 | 324746.6 | 1099628.6 |
| (a) Bank Deposits | 163162.9 | 299545.0 | 256363.7 | 307491.6 | 1026563.1 |
| i. Commercial Banks | 158613.3 | 300565.0 | 248459.8 | 284968.0 | 992606.2 |
| ii. Co-operative Banks | 4549.6 | -1020.1 | 7903.8 | 22523.6 | 33956.9 |
| (b) Non-Bank Deposits | 19909.1 | 15671.3 | 20230.2 | 17255.0 | 73065.5 |
| of which: | | | | | |
| Other Financial Institutions (i+ii) | 6314.4 | 2076.7 | 6635.6 | 3660.4 | 18687.1 |
| i. Non-Banking Financial Companies | 4040.2 | 3267.2 | 1800.9 | 5372.2 | 14480.5 |
| ii. Housing Finance Companies | 2274.2 | -1190.5 | 4834.7 | -1711.8 | 4206.6 |
| 2. Life Insurance Funds | 73669.9 | 152049.5 | 167894.1 | 141206.6 | 534820.1 |
| 3. Provident and Pension Funds (including PPF) | 155604.2 | 132126.0 | 140204.4 | 235093.2 | 663027.7 |
| 4. Currency | 66438.9 | -54579.3 | 76760.1 | 148990.2 | 237609.8 |
| 5. Investments | 51603.2 | 48630.6 | 49879.2 | 64168.5 | 214281.5 |
| 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 | 58196.2 | 201053.5 |
| II. Financial Liabilities | 289150.0 | 353009.7 | 471396.5 | 468620.7 | 1582177.0 |
| Per cent of GDP | 4.4 | 5.4 | 6.8 | 6.5 | 5.8 |
| Loans/Borrowings | | | | | |
| 1. Financial Corporations (a+b) | 289141.6 | 353001.2 | 471388.1 | 468612.3 | 1582143.3 |
| (a) Banking Sector | 234845.3 | 263782.5 | 368167.4 | 349555.0 | 1216350.1 |
| of which: | | | | | |
| i. Commercial Banks | 230283.8 | 261265.3 | 365304.6 | 331292.5 | 1188146.3 |
| (b) Other Financial Institutions | 54296.3 | 89218.8 | 103220.8 | 119057.3 | 365793.1 |
| i. Non-Banking Financial Companies | 29281.6 | 54439.6 | 75878.8 | 80295.9 | 239895.9 |
| ii. Housing Finance Companies | 22336.7 | 33031.2 | 24903.3 | 36745.8 | 117017.0 |
| iii. Insurance Corporations | 2678.0 | 1747.9 | 2438.7 | 2015.6 | 8880.3 |
| 2. Non-Financial Corporations (Private Corporate Business) | 33.7 | 33.7 | 33.7 | 33.7 | 135.0 |
| 3. General Government | -25.3 | -25.3 | -25.3 | -25.3 | -101.3 |
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 2022-23 and revised estimates for 2020-21 and 2021-22.
3. The preliminary estimates for 2022-23 will undergo revision with the release of first revised estimates of national income, consumption expenditure, savings, and capital formation, 2022-23 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. |