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Document - 52 (a). Flow of Financial Assets and Liabilities of Households - Instrument-wise () or PDF - 52 (a). Flow of Financial Assets and Liabilities of Households - Instrument-wise ()
52 (a). Flow of Financial Assets and Liabilities of Households - Instrument-wise
Date : Jul 22, 2026
(Amount in ₹ Crore)
Item 2022-23
Q1 Q2 Q3 Q4 Annual
1 2 3 4 5
Net Financial Assets (I-II) 337823.4 312617.2 276148.4 463697.5 1390286.6
Per cent of GDP 5.6 5.1 4.0 6.5 5.3
I. Financial Assets 627843.1 647735.2 730303.2 984974.9 2990856.5
Per cent of GDP 10.3 10.6 10.7 13.9 11.5
of which:          
1. Total Deposits (a+b) 182429.1 316361.2 278233.1 341556.0 1118579.5
(a) Bank Deposits 160172.4 298532.7 254399.7 323570.2 1036674.8
i. Commercial Banks 158613.3 300565.0 248459.8 284968.0 992606.2
ii. Co-operative Banks 1559.0 -2032.4 5939.8 38602.2 44068.7
(b) Non-Bank Deposits 22256.8 17828.6 23833.5 17985.9 81904.7
of which:          
Other Financial Institutions (i+ii) 6504.8 2076.7 8081.6 2234.0 18897.1
i. Non-Banking Financial Companies 4230.6 3267.2 3246.9 3945.8 14690.4
ii. Housing Finance Companies 2274.2 -1190.5 4834.7 -1711.8 4206.6
2. Life Insurance Funds 73357.5 151737.1 167581.7 156268.5 548944.9
3. Provident and Pension Funds (including PPF) 146719.1 118171.9 136388.4 216513.6 617793.1
4. Currency 66438.9 -54579.3 76760.1 148990.1 237609.7
5. Investments 104523.4 64929.7 33972.1 64436.1 267861.3
of which:          
(a) Mutual Funds 45974.6 43757.9 27892.4 58338.7 175963.7
(b) Equity 45390.8 -2858.0 -22917.3 -14813.8 4801.7
6. Small Savings (excluding PPF) 54375.1 51114.5 37367.7 57210.6 200068.0
II. Financial Liabilities 290019.7 335118.0 454154.8 521277.4 1600569.9
Per cent of GDP 4.8 5.5 6.6 7.3 6.1
Loans/Borrowings          
1. Financial Corporations (a+b) 289781.5 334879.7 453916.6 521039.1 1599616.9
(a) Banking Sector 234235.0 263450.2 370782.9 387794.8 1256263.0
of which:          
i. Commercial Banks 230283.8 261265.3 368304.6 331291.0 1191144.8
(b) Other Financial Institutions 55546.4 71429.5 83133.7 133244.3 343353.9
i. Non-Banking Financial Companies 30531.7 36650.3 55791.7 94565.3 217539.1
ii. Housing Finance Companies 22336.7 33031.2 24903.3 36745.8 117017.0
iii. Insurance Corporations 2678.0 1747.9 2438.7 1933.2 8797.8
2. Non-Financial Corporations (Private Corporate Business) 33.7 33.7 33.7 33.7 135.0
3. General Government 204.5 204.5 204.5 204.5 818.0

No. 52 (a): Flow of Financial Assets and Liabilities of Households - Instrument-wise (Contd.)
(Amount in ₹ Crore)
Item 2023-24
Q1 Q2 Q3 Q4 Annual
1 2 3 4 5
Net Financial Assets (I-II) 337132.1 310186.9 295317.2 740393.5 1683029.7
Per cent of GDP 5.0 4.6 3.9 9.3 5.8
I. Financial Assets 658810.0 836270.0 806046.4 1291327.9 3592454.4
Per cent of GDP 9.8 12.3 10.6 16.3 12.4
of which:          
1. Total Deposits (a+b) 266780.7 407942.6 296902.1 446190.5 1417816.0
(a) Bank Deposits 253104.6 501763.1 277402.8 430204.0 1462474.4
i. Commercial Banks 243833.9 502260.7 280096.7 383460.6 1409651.9
ii. Co-operative Banks 9270.7 -497.6 -2693.9 46743.4 52822.6
(b) Non-Bank Deposits 13676.2 -93820.5 19499.4 15986.5 -44658.5
of which:          
Other Financial Institutions (i+ii) -485.4 -107982.1 5337.7 1824.9 -101304.9
i. Non-Banking Financial Companies 6119.3 4782.3 4895.8 1942.9 17740.3
ii. Housing Finance Companies -6604.7 -112764.4 441.9 -118.0 -119045.2
2. Life Insurance Funds 157301.9 140356.8 160135.2 189267.6 647061.4
3. Provident and Pension Funds (including PPF) 162762.9 147433.0 152512.0 252959.6 715667.6
4. Currency -48636.2 -36700.8 56719.0 146866.1 118248.0
5. Investments 29402.9 99734.4 81170.7 173602.7 383910.7
of which:          
(a) Mutual Funds 44404.8 67653.8 67747.2 115029.2 294835.0
(b) Equity -35221.8 5726.6 -15477.9 22524.3 -22448.9
6. Small Savings (excluding PPF) 91197.8 77504.1 58607.4 82441.4 309750.7
II. Financial Liabilities 321678.0 526083.2 510729.2 550934.3 1909424.7
Per cent of GDP 4.8 7.8 6.7 7.0 6.6
Loans/Borrowings          
1. Financial Corporations (a+b) 321560.7 525964.9 510611.0 550816.1 1908952.7
(a) Banking Sector 213647.2 868822.7 402741.7 421973.2 1907184.8
of which:          
i. Commercial Banks 208026.5 875654.0 389898.0 382557.9 1856136.4
(b) Other Financial Institutions 107913.6 -342857.7 107869.2 128842.9 1767.9
i. Non-Banking Financial Companies 81448.8 59683.7 85031.8 100836.5 327000.7
ii. Housing Finance Companies 23784.0 -404294.0 21233.4 25852.9 -333423.7
iii. Insurance Corporations 2680.7 1752.6 1604.0 2153.5 8190.9
2. Non-Financial Corporations (Private Corporate Business) 33.7 34.7 34.7 34.7 138.0
3. General Government 83.5 83.5 83.5 83.5 334.0

No. 52 (a): Flow of Financial Assets and Liabilities of Households - Instrument-wise (Contd.)
(Amount in ₹ Crore)
Item 2024-25
Q1 Q2 Q3 Q4 Annual
1 2 3 4 5
Net Financial Assets (I-II) 568179.5 521327.5 354876.0 781803.5 2226186.6
Per cent of GDP 7.7 7.1 4.3 9.0 7.0
I. Financial Assets 856644.1 925845.5 774547.1 1242901.9 3799938.7
Per cent of GDP 11.6 12.5 9.3 14.3 11.9
of which:          
1. Total Deposits (a+b) 274724.6 403467.5 157913.7 418478.7 1254584.5
(a) Bank Deposits 255088.9 388251.6 140929.7 401919.4 1186189.6
i. Commercial Banks 251171.1 389734.0 147864.7 395337.4 1184107.2
ii. Co-operative Banks 3917.8 -1482.4 -6934.9 6581.9 2082.4
(b) Non-Bank Deposits 19635.6 15215.9 16984.0 16559.3 68394.9
of which:          
Other Financial Institutions (i+ii) 7461.4 3041.8 4809.8 4385.1 19698.2
i. Non-Banking Financial Companies 6289.7 3230.0 4444.5 4220.0 18184.2
ii. Housing Finance Companies 1171.7 -188.2 365.4 165.1 1514.0
2. Life Insurance Funds 175176.3 178584.5 89908.7 186639.0 630308.4
3. Provident and Pension Funds (including PPF) 169375.0 169376.4 169915.2 279561.3 788227.9
4. Currency 33989.7 -57614.7 70840.8 162235.6 209451.4
5. Investments 137776.9 178564.4 245639.8 122472.3 684453.4
of which:          
(a) Mutual Funds 117017.9 165610.3 159575.3 101446.2 543649.7
(b) Equity -120.5 -17285.9 60420.8 -2661.7 40352.7
6. Small Savings (excluding PPF) 65601.6 53467.4 40329.0 73515.0 232913.0
II. Financial Liabilities 288464.6 404518.0 419671.1 461098.5 1573752.1
Per cent of GDP 3.9 5.5 5.0 5.3 4.9
Loans/Borrowings          
1. Financial Corporations (a+b) 288285.8 404339.2 419492.4 460919.7 1573037.1
(a) Banking Sector 204822.7 322195.6 320666.3 387474.4 1235158.9
of which:          
i. Commercial Banks 208525.3 321241.4 302569.3 379856.5 1212192.4
(b) Other Financial Institutions 83463.2 82143.7 98826.1 73445.3 337878.2
i. Non-Banking Financial Companies 65813.7 65488.7 75764.5 44572.0 251639.0
ii. Housing Finance Companies 15125.2 14233.6 20561.4 25756.8 75677.0
iii. Insurance Corporations 2524.2 2421.4 2500.2 3116.4 10562.2
2. Non-Financial Corporations (Private Corporate Business) 34.7 34.7 34.7 34.7 139.0
3. General Government 144.0 144.0 144.0 144.0 576.0

No. 52 (a): Flow of Financial Assets and Liabilities of Households - Instrument-wise (Concld.)
(Amount in ₹ Crore)
Item 2025-26
Q1 Q2 Q3 Q4 Annual
1 2 3 4 5
Net Financial Assets (I-II) 734217.9 383512.1 422796.8 604526.2 2145053.0
Per cent of GDP 9.1 4.8 4.6 6.4 6.2
I. Financial Assets 1018934.0 939245.8 1013336.2 1318430.3 4289946.3
Per cent of GDP 12.7 11.7 11.1 13.9 12.4
of which:          
1. Total Deposits (a+b) 382505.2 355636.7 335669.5 458027.0 1531838.4
(a) Bank Deposits 364095.3 345365.2 325011.0 451762.4 1486233.8
i. Commercial Banks 352704.3 338333.7 308105.8 424205.0 1423348.8
ii. Co-operative Banks 11391.0 7031.6 16905.1 27557.4 62885.0
(b) Non-Bank Deposits 18409.9 10271.5 10658.5 6264.6 45604.6
of which:          
Other Financial Institutions (i+ii) 10111.9 1973.5 2360.5 -2033.4 12412.6
i. Non-Banking Financial Companies 8401.9 2150.0 2141.0 -1584.2 11108.8
ii. Housing Finance Companies 1710.0 -176.5 219.5 -449.2 1303.8
2. Life Insurance Funds 184448.3 139949.3 166715.1 70424.7 561537.4
3. Provident and Pension Funds (including PPF) 186661.5 190669.4 193864.7 297936.3 869132.0
4. Currency 87306.0 -15165.8 115589.4 227256.2 414985.7
5. Investments 106085.7 188924.8 125769.6 147085.8 567865.9
of which:          
(a) Mutual Funds 140715.2 144513.6 120748.8 141409.3 547387.0
(b) Equity -53810.4 13405.7 -15699.5 -23785.3 -79889.5
6. Small Savings (excluding PPF) 71927.4 79231.4 75727.9 117700.3 344587.0
II. Financial Liabilities 284716.1 555733.8 590539.4 713904.1 2144893.4
Per cent of GDP 3.5 6.9 6.5 7.5 6.2
Loans/Borrowings          
1. Financial Corporations (a+b) 284567.6 555585.3 590390.9 713755.6 2144299.4
(a) Banking Sector 174482.3 449130.8 452047.9 541821.0 1617482.0
of which:          
i. Commercial Banks 172489.7 447885.3 442381.6 514762.0 1577518.6
(b) Other Financial Institutions 110085.3 106454.5 138342.9 171934.6 526817.4
i. Non-Banking Financial Companies 116933.3 92371.6 121773.0 147209.4 478287.3
ii. Housing Finance Companies -9562.0 12526.4 15568.6 25477.1 44010.1
iii. Insurance Corporations 2714.0 1556.6 1001.3 -751.9 4520.0
2. Non-Financial Corporations (Private Corporate Business) 34.7 34.7 34.7 34.7 139.0
3. General Government 113.8 113.8 113.8 113.8 455.0
Notes: 1. Net Financial Saving of households refer to the net financial assets, which are measured as difference of financial asset and liabilities flows.
2. Preliminary estimates for 2025-26 and revised estimates for 2024-25, 2023-24 and 2022-23.
3. The estimates will undergo revision with the release of National Accounts Statistics 2024-25 by the NSO.
4. Figures as per cent of GDP are as per the new base year 2022-23.
5. Figures in the columns may not add up to the total due to rounding off.

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