Independent Research and Policy Advocacy

Analysing Trends in the Financial Portfolio of Indian Households

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In this brief, we look at how the financial portfolios of Indian households have changed over time, specifically between 2014 to 2020, using the Consumer Pyramid Household Survey collected and maintained by the Centre for Monitoring Indian Economy. Throughout the analysis, we look for well-defined inflection points that may have led to changes in the Indian household portfolios. We look for variations in the data to study the changes in ownership of assets, savings, and borrowings of Indian households, hoping to identify areas of improvement in the Government’s financial inclusion policies. This analysis could hence be used to gauge and evaluate the progress of participation and use of formal finance by households in India. This study also highlights significant gaps in the access to financial services among low-income households over time.

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