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50 (a). Flow of Financial Assets and Liabilities of Households - Instrument-wise
Date : Sep 20, 2024
(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.

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