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50 (a). Flow of Financial Assets and Liabilities of Households - Instrument-wise
Date : May 17, 2022
(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 (Contd.)
(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

No. 50 (a): Flow of Financial Assets and Liabilities of Households - Instrument-wise (Concld.)
(Amount in ₹ Crore)
Item 2021-22
Q1 Q2
Net Financial Assets (I-II) 760273.0 388307.9
Per cent of GDP 14.8 6.9
I. Financial Assets 631184.5 567403.7
Per cent of GDP 12.3 10.1
of which:    
1. Total Deposits (a+b) 146933.8 207184.4
(a) Bank Deposits 124803.6 201833.5
i. Commercial Banks 123282.3 200159.7
ii. Co-operative Banks 1521.3 1673.8
(b) Non-Bank Deposits 22130.2 5350.9
2. Life Insurance Funds 114617.8 127356.0
3. Provident and Pension Funds (including PPF) 129821.9 132967.9
4. Currency 128660.2 -68631.2
5. Investments 24929.6 82305.4
of which:    
(a) Mutual Funds 14573.0 63151.3
(b) Equity 4502.5 13218.5
6. Small Savings (excluding PPF) 85163.8 85163.8
II. Financial Liabilities -129088.5 179095.8
Per cent of GDP -2.5 3.2
Loans (Borrowings) from    
1. Financial Corporations (a+b) -129109.8 179074.5
(a) Banking Sector -105750.5 124240.8
of which:    
Commercial Banks -98583.4 126251.1
(b) Other Financial Institutions -23359.3 54833.7
i. Non-Banking Financial Companies -31118.4 28880.1
ii. Housing Finance Companies 7132.0 24403.8
iii. Insurance Companies 627.1 1549.8
2. Non-Financial Corporations (Private Corporate Business) 33.8 33.8
3. General Government -12.5 -12.5
Notes: 1. Net Financial Savings of households refer to the flow of net financial assets, which represents change in financial assets held by households minus change in their financial liabilities.
2. Data as ratios to GDP have been calculated based on the Second Advance Estimates of National Income 2021-22 released on February 28, 2022.
3. Figures in the columns may not add up to the total due to rounding off.

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