Flow · Banks and financial institutions → Households
Interest, insurance and pension income from financial firms
Value in 2023-24
₹21.89 lakh crore
7.5% of GDP
Gross flows can exceed GDP. GDP counts only final output once; the map also shows the inputs firms buy from each other and the money that passes through financial markets.
This amount adds up several entries of the accounts. The label for how its parts were made is the least certain kind of entry that carries at least 10% of the value:Set when the accounts were balanced so that every row and column adds up; the change was large enough to need an explanation.How the parts were madeThe sum itself is not held to a single published figure.
What it is
What banks, insurers and pension funds pay households: interest on deposits, investment income attributed to insurance policyholders and to provident and pension fund members, non-life insurance claims, and income passed through mutual funds. How this income is split between sectors and across household groups is estimated.
Trend
No annual series; only the 2023-24 SAM value exists.
What is inside
The entries that make up this flow, largest first.
| Item | Value | Label |
|---|---|---|
| Interest and dividends received by households (R8a · deposits_bank) Before → after balancing: ₹2.96 lakh crore → ₹3.24 lakh crore (9.4%) Why it moved: explained. Explained. H_U5 <- E_BANK R8a deposits_bank, 2,95,982 -> 3,23,886 (27,904, +9.4%; z 1.094; free low; no constraint binds on it). Households fell short of NAS 2026 St 1.9 household saving by Z = -3,84,547 in the prior (cl… | ₹3.24 lakh crore | Set by balancing |
| Interest and dividends received by households (R8a · deposits_bank) Before → after balancing: ₹2.12 lakh crore → ₹2.31 lakh crore (8.9%) Why it moved: explained. Explained. H_U4 <- E_BANK R8a deposits_bank, 2,11,835 -> 2,30,603 (18,768, +8.9%; z 1.089; free low; no constraint binds on it). Households fell short of NAS 2026 St 1.9 household saving by Z = -3,84,547 in the prior (cl… | ₹2.31 lakh crore | Set by balancing |
| Interest and dividends received by households (R8a · deposits_bank) Before → after balancing: ₹1.42 lakh crore → ₹1.55 lakh crore (9.2%) Why it moved: explained. Explained. H_R5 <- E_BANK R8a deposits_bank, 1,42,098 -> 1,55,189 (13,091, +9.2%; z 1.092; free low; no constraint binds on it). Households fell short of NAS 2026 St 1.9 household saving by Z = -3,84,547 in the prior (cl… | ₹1.55 lakh crore | Set by balancing |
| Interest and dividends received by households (R8a · deposits_bank) Before → after balancing: ₹1.26 lakh crore → ₹1.38 lakh crore (9.1%) Why it moved: explained. Explained. H_U3 <- E_BANK R8a deposits_bank, 1,26,176 -> 1,37,597 (11,421, +9.1%; z 1.091; free low; no constraint binds on it). Households fell short of NAS 2026 St 1.9 household saving by Z = -3,84,547 in the prior (cl… | ₹1.38 lakh crore | Set by balancing |
| Interest and dividends received by households (R8a · deposits_bank) Before → after balancing: ₹1.22 lakh crore → ₹1.35 lakh crore (10.5%) Why it moved: explained. Explained. H_R4 <- E_BANK R8a deposits_bank, 1,22,047 -> 1,34,863 (12,816, +10.5%; z 1.105; free low; no constraint binds on it). Households fell short of NAS 2026 St 1.9 household saving by Z = -3,84,547 in the prior (c… | ₹1.35 lakh crore | Set by balancing |
| Investment income of policyholders and fund members (R9c · life) Before → after balancing: ₹98,492 crore → ₹97,086 crore (−1.4%) Why it moved: explained. Explained. Cell H_U5 <- E_INSP: 2,46,723 -> 2,40,850 (-5,872, -2.4%; 9 entries). Largest moves: fincorp R9c exempted_pf -1,763 (-5.6%); fincorp R9c life -1,403 (-1.4%); fincorp R9c nps -1,298 (-5.6%); fincorp R9c eps -1,… | ₹97,086 crore | Set by balancing |
| Interest and dividends received by households (R8a · deposits_bank) Before → after balancing: ₹81,422 crore → ₹89,525 crore (10.0%) Why it moved: explained. Explained. H_R3 <- E_BANK R8a deposits_bank, 81,422 -> 89,518 (8,097, +9.9%; z 1.099; free low; no constraint binds on it). Households fell short of NAS 2026 St 1.9 household saving by Z = -3,84,547 in the prior (closure… | ₹89,525 crore | Set by balancing |
| Investment income of policyholders and fund members (R9c · life) Before → after balancing: ₹70,491 crore → ₹69,395 crore (−1.6%) | ₹69,395 crore | Estimated |
| Interest and dividends received by households (R8a · deposits_bank) Before → after balancing: ₹61,427 crore → ₹67,282 crore (9.5%) Why it moved: explained. Explained. H_U2 <- E_BANK R8a deposits_bank, 61,427 -> 67,277 (5,850, +9.5%; z 1.095; free low; no constraint binds on it). Households fell short of NAS 2026 St 1.9 household saving by Z = -3,84,547 in the prior (closure… | ₹67,282 crore | Set by balancing |
| Interest and dividends received by households (R8a · deposits_bank) Before → after balancing: ₹45,876 crore → ₹50,477 crore (10.0%) Why it moved: explained. Explained. H_R2 <- E_BANK R8a deposits_bank, 45,876 -> 50,474 (4,598, +10.0%; z 1.100; free low; no constraint binds on it). Households fell short of NAS 2026 St 1.9 household saving by Z = -3,84,547 in the prior (closur… | ₹50,477 crore | Set by balancing |
| Investment income of policyholders and fund members (R9c · life) Before → after balancing: ₹46,393 crore → ₹45,709 crore (−1.5%) | ₹45,709 crore | Estimated |
| Investment income of policyholders and fund members (R9c · life) Before → after balancing: ₹41,987 crore → ₹41,352 crore (−1.5%) | ₹41,352 crore | Estimated |
and 158 more entries
Sources
- IRDAI Handbook on Indian Insurance Statistics 2024-25Insurance Regulatory and Development Authority of India. Table Table 44, Table 51, Table 24, Table 25, Summary Table C. Retrieved 2026-09-29.
- PFRDA NPS/APY Statistical Data and Handbook of NPS StatisticsPension Fund Regulatory and Development Authority. Table Table M6, Table M4. Retrieved 2026-09-29.
- National Accounts Statistics 2026 (new base 2022-23), per-statement XLSXNational Accounts Division, NSO, MoSPI. Table Statement 7.1B, Statement 1.13, Statement 8.12, Statement 7.1C, Statement 8.15.1, Statement 7.1A, Statement 6.1. Retrieved 2026-09-29.
- SEBI Handbook of Statistics on Indian Securities Market 2025-26 (per-table XLSX)SEBI. Table Table 72, Table 23. Retrieved 2026-09-29.
- EPFO Annual Report and Consolidated Annual AccountsEmployees' Provident Fund Organisation. Table Para 5.20/5.15 (corpus and category-wise break-up of investments, un-exempted sector), Appendix-5(vii) (rate of interest on EPF balances, 1952 onwards). Retrieved 2026-09-29.
Notes on this figure
- Uses a stated assumption; method one click away