Indian Financial ScapeIndian Financial Scape2011-122011-12

An ongoing service monitoring the financial behavior of Indian households

All India, State, Districts

Indicus AnalyticsIndia’s leading economic research firm

Limited estimates from government and Limited estimates from government and industryindustry

High dependence on informal financeHigh dependence on informal finance

Credit, savings and investments in unorganized Credit, savings and investments in unorganized sectorsector

Financial behaviour kept secret – unwillingness Financial behaviour kept secret – unwillingness to reportto report

Issues of Issues of BenaamiBenaami  transactions, forgotten   transactions, forgotten accounts, black money, etc.accounts, black money, etc.

Problems in Estimating Problems in Estimating Household Financial BehaviourHousehold Financial Behaviour

Annual primary survey of around 35,000 urban Annual primary survey of around 35,000 urban householdshouseholds

Find patterns in reported financial behaviorFind patterns in reported financial behavior

Correlate patterns with household asset Correlate patterns with household asset

Identify the biases of different households & correct Identify the biases of different households & correct for these biases using econometric toolsfor these biases using econometric tools

Cross-check with secondary data from GoI, RBI, Cross-check with secondary data from GoI, RBI, finance professionals and sector expertsfinance professionals and sector experts

On going additions with improvements through On going additions with improvements through the yearthe year

Indicus solution..Indicus solution..

Hundreds of parameters on financial behavior & asset Hundreds of parameters on financial behavior & asset

– Across 9 income cuts – from Across 9 income cuts – from <75k to >10000K<75k to >10000K– Across SEC segmentation Across SEC segmentation – Combination of SEC within each income groupCombination of SEC within each income group

Parameters on Parameters on – Consumer demography and marketConsumer demography and market– Credit, Deposits etcCredit, Deposits etc– GDP, Bank penetration and many more….GDP, Bank penetration and many more….

At the national, state and district levelAt the national, state and district level An annual subscription with updatesAn annual subscription with updates Ongoing surveys and analysis to continuously enhance the Ongoing surveys and analysis to continuously enhance the

datadata

What you getWhat you get

Parameters : Basic Version Parameters : Basic Version

of Financial & Physical Assets and Debt liability forof Financial & Physical Assets and Debt liability forurban households separately by SEC A, B, C, D&E and by urban households separately by SEC A, B, C, D&E and by following 9 annual household income groups following 9 annual household income groups (( <75K,75,K <75K,75,K –150K, 150K – 300K, 300K – 500K, 500K – 1000K, 1000K – 2000K, –150K, 150K – 300K, 300K – 500K, 500K – 1000K, 1000K – 2000K, 2000K – 5000K, 5000K – 10000K > & > 10000K) :-2000K – 5000K, 5000K – 10000K > & > 10000K) :-

– Financial Assets- Financial Assets- Bank Savings Account, Fixed Deposit, Bank Savings Account, Fixed Deposit, Post Office Investment, Life Insurance Policy, Health Post Office Investment, Life Insurance Policy, Health Insurance Policy, Mutual Fund, Stocks, Chit Fund, Credit CardInsurance Policy, Mutual Fund, Stocks, Chit Fund, Credit Card

– Physical Assets - Physical Assets - Colour TV, Refrigerator, Washing Colour TV, Refrigerator, Washing Machine, Two Wheeler, Car, Local Cable Connection, DTH Machine, Two Wheeler, Car, Local Cable Connection, DTH Subscription, Microwave, Toaster, Water Purifier, Portable Subscription, Microwave, Toaster, Water Purifier, Portable Music System, Video game/Playstation, Computer, Camera Music System, Video game/Playstation, Computer, Camera etcetc

– Debt - Debt - Loans for Loans for Car, Consumer Durable, Education, Home , Car, Consumer Durable, Education, Home , Personal and Two WheelerPersonal and Two Wheeler

Basic Version Basic Version (Contd…)(Contd…)

Consumer DemographyConsumer Demography

Population, Households,Population, Households, Age Age Distribution for urban & rural areasDistribution for urban & rural areas

Distribution of urban household Distribution of urban household separately by SEC & 9 annual separately by SEC & 9 annual household income groups & household income groups & combination of SEC & income combination of SEC & income groupsgroups

Distribution of rural households Distribution of rural households

in 2 annual household income in 2 annual household income

groups groups ( < ( < 300K & > 300K).300K & > 300K).

Median annual household incomeMedian annual household income

for urban households separately byfor urban households separately by

SEC & 9 income groups & SEC & 9 income groups & combinationcombination

of SEC & income groupsof SEC & income groups

Annual household savings in 2 Annual household savings in 2

incomeincome

Groups Groups – for Urban ( <500K & >500K)for Urban ( <500K & >500K)– for Rural for Rural ( <300K & >300K)( <300K & >300K)

Annual household expenditure onAnnual household expenditure on

Small Durables & Personal Goods Small Durables & Personal Goods separately for urban & rural areasseparately for urban & rural areas

Consumer MarketConsumer Market

Basic Version Basic Version (Contd…)(Contd…)

Bank Penetration – Bank Penetration – Number of SCB’s offices (Public Sector Banks, Private Number of SCB’s offices (Public Sector Banks, Private Sector, Foreign Banks, All SCB’s)Sector, Foreign Banks, All SCB’s)

Credits & Deposits – Credits & Deposits – Bank Credit Accounts of SCB’s, Amount of Credit Bank Credit Accounts of SCB’s, Amount of Credit Outstanding in SCB’s, Credit-Deposit Ratio, Credit Growth, Deposit Growth, Outstanding in SCB’s, Credit-Deposit Ratio, Credit Growth, Deposit Growth, Credits & Deposits (by bank types), Bank Deposit Accounts & Amount, Credits & Deposits (by bank types), Bank Deposit Accounts & Amount, Cooperative Banks Credits & Deposits.Cooperative Banks Credits & Deposits.

Gross Domestic Product – Gross Domestic Product – GDP of Banking & Insurance Sector at Current GDP of Banking & Insurance Sector at Current Prices at District LevelPrices at District Level

Financial Sector Wise Employment - Financial Sector Wise Employment - RBI, Commercial Banks, RBI, Commercial Banks, Cooperative Banks, Cooperative Banks, Housing Financing Companies, Financial Leasing, Housing Financing Companies, Financial Leasing, Commercial Loan Companies/Other Credit Activities, Chit Fund/Mutual Commercial Loan Companies/Other Credit Activities, Chit Fund/Mutual Funds, Life Insurance, General Insurance, Stock Exchange Activities, Stock Funds, Life Insurance, General Insurance, Stock Exchange Activities, Stock Broking etc.Broking etc.

Parameters : Advanced Version (Includes Basic Version +Following Parameters)

Post Office Investment

Life Insurance Policy

Bank Fixed Deposit

Mutual Fund

Stocks

• <1 year, 1-2 years, 2-5 years, > 5 years

• NSC, NSS, Time Deposit, Recurring Deposit

• Debt Oriented, Equity Oriented, Hybrid Fund & Tax Saving (ELSS)

• Large Cap, Middle Cap, Small Cap

Financial Asset with sub categories for Urban Households by SEC A, B, C, D&E within 9 annual household income groups :-

• Annuity & Pension Policy, Endowment Plan Policy, Whole Life Policy, ULIPs or Term Policy

Advanced Version (Contd…)(Contd…)

Two Wheeler

Car

Colour TV

• Geared & Gearless Scooter (Self Start, Kick Start), Moped, Motorcycle (>100cc, 100cc, 125cc, 150cc, 180cc, <180cc)

• Priced <300K, 300K- 500K, 500K- 800K, 800K- 1400K & > 1,400K)

• Regular Flat (21’or less, 22-29’, 30’ & above), LCD (31’ or less, 32’, 33’ & above), Plasma (40’ & above), LED (40’ & above)

Physical Asset with sub categories for Urban Households by SEC A, B, C, D&E within 9 annual household income groups :-

Refrigerator

• Single Door (less than 200 litre, more than 200 litre), Double Door (less than 200 litre, more than 200 litre)

Washing machine

• Semi Automatic, Fully Automatic (Top Load), Fully Automatic (Front Load)

Advanced Version (Contd…)(Contd…)

Debt liability by following types for Urban Households by SEC A, B, C, D&E within 9 annual household income groups :-

Car Loan

Two Wheeler Loan

Education Loan

Home Loan

Personal Loan

Consumer Loan

Insights:Insights:

Financial asset across SEC : All India urban Financial asset across SEC : All India urban householdshouseholds

Financial Assets SEC A SEC B SEC C SEC D&E

Bank Savings Account 97% 94% 87% 75%

Bank Fixed Deposit 37% 26% 16% 6%

Life Insurance Policy 79% 66% 53% 36%

Health Insurance Policy 34% 21% 17% 4%

Mutual Fund 8% 3% 2% 0%

Stocks 6% 2% 1% 0%

Chit Fund 3% 2% 2% 2%

Credit Card 38% 20% 1% 1%

*All India Urban Households = 83.15 Million (SEC A- 11%,SEC B- 19%, SEC C-23%,SEC D&E- 48%)

Insights:Insights:

Debt liability across SEC : All India urban Debt liability across SEC : All India urban householdshouseholds

Types of Debt SEC A SEC B SEC C SEC D&E

Car Loan 6% 1% 1% 0%

Consumer Durable Loan 0% 0.10% 0.09% 0%

Education Loan 0.4% 1% 1% 0%

Home Loan 8% 2% 1% 1%

Personal Loan 4% 3% 4% 2%

Two Wheeler Loan 1% 1% 1% 0%

*All India Urban Households = 83.15 Million (SEC A- 11%,SEC B- 19%, SEC C-23%,SEC D&E- 48%)

Insights:Insights:

Physical asset by SEC : All India urban Physical asset by SEC : All India urban householdshouseholds

Physical Assets SEC A SEC B SEC C SEC D&EColor TV 99% 98% 97% 90%Local Cable Connection 83% 87% 87% 81%DTH Subscription 44% 26% 13% 10%Refrigerator 94% 82% 62% 5%Microwave 26% 15% 6% 0.3%Food Processor Etc 81% 70% 60% 20%Toaster/Sandwich Maker 21% 13% 7% 2%Water Purifier 57% 35% 19% 1%Washing Machine 55% 40% 20% 6%Two Wheeler 58% 50% 38% 24%Car 51% 32% 2% 0.2%Portable Music System 44% 29% 18% 6%Vcd/Dvd Player 78% 74% 68% 44%Video Game/Playstation 21% 12% 7% 2%Computer 50% 32% 12% 1%Camera 53% 29% 14% 4%Video Camera/Camcorder 8% 4% 2% 0.1%

*All India Urban Households = 83.15 Million (SEC A- 11%,SEC B- 19%, SEC C-23%,SEC D&E- 48%)

Other Premium Products....Other Premium Products....

District GDP of India – District wise breakup of economic activity.

Market Skyline of India – Consumer Market, Demography and many more for all districts separated for urban and rural areas.

Indian Development Landscape – Socio Economic Status for all districts

City Skyline of India Neighbourhood Series – Neighbourhood

level information on consumer market & demography for 50 cities

Urban Consumer Spectrum – 31 consumer segments and their complete profiling for States, Urban areas of 135 districts

Towns & Rural Blocks of India – Town & Block level information Town & Block level information on consumerson consumers

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