Flow · Households → Saving and investment
Household saving
Value in 2023-24
₹58.90 lakh crore
20.3% 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 total is held to these figures from published statistics:
What it is
Household gross saving: what households keep from their income after consumption, taxes, interest and transfers, whether held as money or invested in homes, gold or financial assets. The total is held to national accounts. Each group's saving is the residual of its own account, so the split is estimated; balancing raised every group's saving to reach the national total.
Trend
Household gross saving
SAM 2023-24: 20.3% of GDP
- 2022-23: Source changes from mospi_nas_2026_oldbase_nas2025_s1_9 (NO) to mospi_nas_2026_s1_9 (NN). New GDP base (2022-23). Earlier years are on the 2011-12 base; levels are not directly comparable, shares are closer.
Checked against the 2023-24 SAM: the series matches.
What is inside
The entries that make up this flow, largest first.
| Item | Value | Label |
|---|---|---|
| Household saving, by group (K4a) Before → after balancing: ₹12.00 lakh crore → ₹12.87 lakh crore (7.3%) Why it moved: explained. Explained (the move; the group profile it keeps is finding BS-8). K_HH <- H_U5 K4a total, 11,99,971 -> 12,87,124 (87,153, +7.3%; z 1.073; free low; binding: cf.k4.hh_saving (target 58,90,330, balanced 58,90,330, at its l… Held by: NAS household saving (K4) = sum of K4a | ₹12.87 lakh crore | Set by balancing |
| Household saving, by group (K4a) Before → after balancing: ₹11.93 lakh crore → ₹12.67 lakh crore (6.2%) Why it moved: explained. Explained (the move; the group profile it keeps is finding BS-8). K_HH <- H_R4 K4a total, 11,92,579 -> 12,66,768 (74,189, +6.2%; z 1.062; free low; binding: cf.k4.hh_saving (target 58,90,330, balanced 58,90,330, at its l… Held by: NAS household saving (K4) = sum of K4a | ₹12.67 lakh crore | Set by balancing |
| Household saving, by group (K4a) Before → after balancing: ₹5.62 lakh crore → ₹6.00 lakh crore (6.8%) Why it moved: explained. Explained (the move; the group profile it keeps is finding BS-8). K_HH <- H_R3 K4a total, 5,62,362 -> 6,00,372 (38,010, +6.8%; z 1.068; free low; binding: cf.k4.hh_saving (target 58,90,330, balanced 58,90,330, at its low… Held by: NAS household saving (K4) = sum of K4a | ₹6.00 lakh crore | Set by balancing |
| Household saving, by group (K4a) Before → after balancing: ₹5.21 lakh crore → ₹5.62 lakh crore (7.8%) Why it moved: explained. Explained (the move; the group profile it keeps is finding BS-8). K_HH <- H_U4 K4a total, 5,21,416 -> 5,62,203 (40,787, +7.8%; z 1.078; free low; binding: cf.k4.hh_saving (target 58,90,330, balanced 58,90,330, at its low… Held by: NAS household saving (K4) = sum of K4a | ₹5.62 lakh crore | Set by balancing |
| Household saving, by group (K4a) Before → after balancing: ₹4.72 lakh crore → ₹5.07 lakh crore (7.5%) Why it moved: explained. Explained (the move; the group profile it keeps is finding BS-8). K_HH <- H_R5 K4a total, 4,72,012 -> 5,07,292 (35,280, +7.5%; z 1.075; free low; binding: cf.k4.hh_saving (target 58,90,330, balanced 58,90,330, at its low… Held by: NAS household saving (K4) = sum of K4a | ₹5.07 lakh crore | Set by balancing |
| Household saving, by group (K4a) Before → after balancing: ₹4.17 lakh crore → ₹4.45 lakh crore (6.7%) Why it moved: explained. Explained (the move; the group profile it keeps is finding BS-8). K_HH <- H_R2 K4a total, 4,17,339 -> 4,45,232 (27,893, +6.7%; z 1.067; free low; binding: cf.k4.hh_saving (target 58,90,330, balanced 58,90,330, at its low… Held by: NAS household saving (K4) = sum of K4a | ₹4.45 lakh crore | Set by balancing |
| Household saving, by group (K4a) Before → after balancing: ₹3.61 lakh crore → ₹3.89 lakh crore (7.6%) Why it moved: explained. Explained (the move; the group profile it keeps is finding BS-8). K_HH <- H_U3 K4a total, 3,61,258 -> 3,88,833 (27,575, +7.6%; z 1.076; free low; binding: cf.k4.hh_saving (target 58,90,330, balanced 58,90,330, at its low… Held by: NAS household saving (K4) = sum of K4a | ₹3.89 lakh crore | Set by balancing |
| Household saving, by group (K4a) Before → after balancing: ₹3.32 lakh crore → ₹3.54 lakh crore (6.6%) Why it moved: explained. Explained (the move; the group profile it keeps is finding BS-8). K_HH <- H_R1 K4a total, 3,32,439 -> 3,54,374 (21,935, +6.6%; z 1.066; free low; binding: cf.k4.hh_saving (target 58,90,330, balanced 58,90,330, at its low… Held by: NAS household saving (K4) = sum of K4a | ₹3.54 lakh crore | Set by balancing |
| Household saving, by group (K4a) Before → after balancing: ₹2.73 lakh crore → ₹2.93 lakh crore (7.2%) Why it moved: explained. Explained (the move; the group profile it keeps is finding BS-8). K_HH <- H_U2 K4a total, 2,73,098 -> 2,92,678 (19,580, +7.2%; z 1.072; free low; binding: cf.k4.hh_saving (target 58,90,330, balanced 58,90,330, at its low… Held by: NAS household saving (K4) = sum of K4a | ₹2.93 lakh crore | Set by balancing |
| Household saving, by group (K4a) Before → after balancing: ₹1.73 lakh crore → ₹1.85 lakh crore (7.0%) Why it moved: explained. Explained (the move; the group profile it keeps is finding BS-8). K_HH <- H_U1 K4a total, 1,73,309 -> 1,85,455 (12,146, +7.0%; z 1.070; free low; binding: cf.k4.hh_saving (target 58,90,330, balanced 58,90,330, at its low… Held by: NAS household saving (K4) = sum of K4a | ₹1.85 lakh crore | Set by balancing |
Sources
- National Accounts Statistics 2026 (new base 2022-23), per-statement XLSXNational Accounts Division, NSO, MoSPI. Table Statement 1.9, Statement 1.14, Statement 1.1, Statement 1.11, Statement 8.12, Statement 7.1A, Statement 7.1C, Statement 6.1, Statement 7.1B, Statement 1.13, Statement 8.15.1. Retrieved 2026-09-29.
- Supply and Use Tables 2022-23 and 2023-24 (base 2022-23)National Accounts Division, NSO, MoSPI. Table Use Table 2023-24, Use Table 2023-24 (value-added block), Supply Table 2023-24. Retrieved 2026-09-29.
- RBI Annual Report 2025-26 (incl. RBI accounts, appendix tables)Reserve Bank of India. Table Schedule 12, Income Statement, Schedule 13, Schedule 14. Retrieved 2026-09-29.Link withheld until RBI grants permission (ISSUES P1-9)
- IRDAI Handbook on Indian Insurance Statistics 2024-25Insurance Regulatory and Development Authority of India. Table Table 44, Table 24, Table 51, Table 25, Summary Table C. Retrieved 2026-09-29.
- Report on Trend and Progress of Banking in India 2024-25Reserve Bank of India. Table Table IV.3, Appendix Table VI.6, Table VI.12, Table V.15, Appendix Table VI.7, Table V.18, Table V.5, Table IV.32, Table VI.18, Table IV.4, Table VI.23. Retrieved 2026-09-29.Link withheld until RBI grants permission (ISSUES P1-9)
Notes on this figure
- Uses a stated assumption; method one click away