Kindly observe that , of the household Finance Savings (FS) bank savings constitute nearly 60% , PF and Insurance constitutes 33%, Investments in share market is less than 5%.
Table 5.1 :Composition of House Hold Savings 2004 to 2012[%]
| Item | 2004-05 | 2005-06 | 2006-07 | 2007-08 | 2008-09 | 2009-10 | 2010-11 | 2011-12 |
| GDS to GDP at factor cost | 35 | 36 | 38 | 40 | 34 | 36 | 36 | 33 |
| House hold Savings [HS] to GDS | 73 | 70 | 67 | 61 | 74 | 75 | 69 | 72 |
| Physical Savings [PS] to HS | 57 | 50 | 51 | 48 | 55 | 53 | 56 | 64 |
| Financial Savings [FS] to HS | 43 | 50 | 49 | 52 | 45 | 48 | 44 | 36 |
| Currency to FS | 8 | 9 | 9 | 11 | 14 | 10 | 13 | 11 |
| Net Deposits to FS | 37 | 46 | 56 | 52 | 58 | 44 | 52 | 59 |
| Shares and Bonds to FS | 2 | 6 | 7 | 10 | -1 | 5 | 0.5 | -0.3 |
| Net Claims on Govt. to FS | 24 | 14 | 3 | -4 | -4 | 4 | 3 | -3 |
| Life Insurance to FS | 16 | 15 | 16 | 22 | 23 | 24 | 19 | 19 |
| PF and Pensions to FS | 12 | 10 | 10 | 9 | 9 | 13 | 13 | 14 |
| Total FS | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
Note: GDS= Gross Domestic Savings; GDP= Gross Domestic Product; Net Deposits= Deposits with banks;
Net Claims on Govt.= Small Savings and Post Office
From currency onwards the percentages are to Gross Financial Savings
Source: St. 73, 10 & 18, National Accounts Statistics 2013; CSO New Delhi
Vaidyanathan 