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Insights from the All India Debt and Investment Survey (AIDIS) 2019

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Household assets mostly comprise illiquid assets; land and building make up 89% and 84% of household asset value in rural and urban areas respectively § Difficult to use illiquid assets to service debt, therefore debt-to-liquid-asset ratio (DLAR) a more realistic measure than debt-to-asset ratio (DAR)

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