Indian financial scape 2011 12

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A comprehensive information on Financial Habits of Indian Urban Households

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Indian financial scape 2011 12

  1. 1. Indian Financial Scape 2011-12 An ongoing service monitoring the financial behavior of Indian households All India, State, Districts Indicus Analytics India’s leading economic research firm
  2. 2. <ul><li>Limited estimates from government and industry </li></ul><ul><li>High dependence on informal finance </li></ul><ul><li>Credit, savings and investments in unorganized sector </li></ul><ul><li>Financial behaviour kept secret – unwillingness to report </li></ul><ul><li>Issues of Benaami   transactions, forgotten accounts, black money, etc. </li></ul>Problems in Estimating Household Financial Behaviour
  3. 3. <ul><li>Annual primary survey of around 35,000 urban households </li></ul><ul><li>Find patterns in reported financial behavior </li></ul><ul><li>Correlate patterns with household asset </li></ul><ul><li>Identify the biases of different households & correct for these biases using econometric tools </li></ul><ul><li>Cross-check with secondary data from GoI, RBI, finance professionals and sector experts </li></ul><ul><li>On going additions with improvements through the year </li></ul>Indicus solution..
  4. 4. <ul><li>Hundreds of parameters on financial behavior & asset </li></ul><ul><ul><li>Across 9 income cuts – from <75k to >10000K </li></ul></ul><ul><ul><li>Across SEC segmentation </li></ul></ul><ul><ul><li>Combination of SEC within each income group </li></ul></ul><ul><li>Parameters on </li></ul><ul><ul><li>Consumer demography and market </li></ul></ul><ul><ul><li>Credit, Deposits etc </li></ul></ul><ul><ul><li>GDP, Bank penetration and many more…. </li></ul></ul><ul><li>At the national, state and district level </li></ul><ul><li>An annual subscription with updates </li></ul><ul><li>Ongoing surveys and analysis to continuously enhance the data </li></ul>What you get
  5. 5. Parameters : Basic Version <ul><li>of Financial & Physical Assets and Debt liability for </li></ul><ul><li>urban households separately by SEC A, B, C, D&E and by following 9 annual household income groups ( <75K,75,K –150K, 150K – 300K, 300K – 500K, 500K – 1000K, 1000K – 2000K, 2000K – 5000K, 5000K – 10000K > & > 10000K) :- </li></ul><ul><ul><li>Financial Assets- Bank Savings Account, Fixed Deposit, Post Office Investment, Life Insurance Policy, Health Insurance Policy, Mutual Fund, Stocks, Chit Fund, Credit Card </li></ul></ul><ul><ul><li>Physical Assets - Colour TV, Refrigerator, Washing Machine, Two Wheeler, Car, Local Cable Connection, DTH Subscription, Microwave, Toaster, Water Purifier, Portable Music System, Video game/Playstation, Computer, Camera etc </li></ul></ul><ul><ul><li>Debt - Loans for Car, Consumer Durable, Education, Home , Personal and Two Wheeler </li></ul></ul>
  6. 6. Basic Version (Contd…) <ul><li>Consumer Demography </li></ul><ul><li>Population, Households, Age Distribution for urban & rural areas </li></ul><ul><li>Distribution of urban household separately by SEC & 9 annual household income groups & combination of SEC & income groups </li></ul><ul><li>Distribution of rural households </li></ul><ul><li>in 2 annual household income </li></ul><ul><li>groups ( < 300K & > 300K). </li></ul><ul><li>Median annual household income </li></ul><ul><li>for urban households separately by </li></ul><ul><li>SEC & 9 income groups & combination </li></ul><ul><li>of SEC & income groups </li></ul><ul><li>Annual household savings in 2 income </li></ul><ul><li>Groups </li></ul><ul><ul><li>for Urban ( <500K & >500K) </li></ul></ul><ul><ul><li>for Rural ( <300K & >300K) </li></ul></ul><ul><li>Annual household expenditure on </li></ul><ul><li>Small Durables & Personal Goods separately for urban & rural areas </li></ul>Consumer Market
  7. 7. Basic Version (Contd…) <ul><li>Bank Penetration – Number of SCB’s offices (Public Sector Banks, Private Sector, Foreign Banks, All SCB’s) </li></ul><ul><li>Credits & Deposits – Bank Credit Accounts of SCB’s, Amount of Credit Outstanding in SCB’s, Credit-Deposit Ratio, Credit Growth, Deposit Growth, Credits & Deposits (by bank types), Bank Deposit Accounts & Amount, Cooperative Banks Credits & Deposits. </li></ul><ul><li>Gross Domestic Product – GDP of Banking & Insurance Sector at Current Prices at District Level </li></ul><ul><li>Financial Sector Wise Employment - RBI, Commercial Banks, Cooperative Banks, Housing Financing Companies, Financial Leasing, Commercial Loan Companies/Other Credit Activities, Chit Fund/Mutual Funds, Life Insurance, General Insurance, Stock Exchange Activities, Stock Broking etc. </li></ul>
  8. 8. Parameters : Advanced Version (Includes Basic Version +Following Parameters) Post Office Investment Life Insurance Policy Bank Fixed Deposit Mutual Fund Stocks <ul><li><1 year, 1-2 years, 2-5 years, > 5 years </li></ul><ul><li>NSC, NSS, Time Deposit, Recurring Deposit </li></ul><ul><li>Debt Oriented, Equity Oriented, Hybrid Fund & </li></ul><ul><li>Tax Saving (ELSS) </li></ul><ul><li>Large Cap, Middle Cap, Small Cap </li></ul>Financial Asset with sub categories for Urban Households by SEC A, B, C, D&E within 9 annual household income groups :- <ul><li>Annuity & Pension Policy, Endowment Plan Policy, </li></ul><ul><li>Whole Life Policy, ULIPs or Term Policy </li></ul>
  9. 9. Advanced Version (Contd…) Two Wheeler Car Colour TV <ul><li>Geared & Gearless Scooter (Self Start, Kick Start), Moped, Motorcycle (>100cc, 100cc, 125cc, 150cc, 180cc, <180cc) </li></ul><ul><li>Priced <300K, 300K- 500K, 500K- 800K, 800K- 1400K & > 1,400K) </li></ul><ul><li>Regular Flat (21’or less, 22-29’, 30’ & above) , LCD (31’ or less, 32’, 33’ & above), Plasma (40’ & above), LED (40’ & above) </li></ul>Physical Asset with sub categories for Urban Households by SEC A, B, C, D&E within 9 annual household income groups :- Refrigerator <ul><li>Single Door (less than 200 litre, more than 200 litre), </li></ul><ul><li>Double Door (less than 200 litre, more than 200 litre) </li></ul>Washing machine <ul><li>Semi Automatic, Fully Automatic (Top Load), Fully Automatic (Front Load) </li></ul>
  10. 10. Advanced Version (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
  11. 11. Insights: Financial asset across SEC : All India urban households 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%)
  12. 12. Insights: Debt liability across SEC : All India urban households 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%)
  13. 13. Insights: Physical asset by SEC : All India urban households Physical Assets SEC A SEC B SEC C SEC D&E Color 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%)
  14. 14. Other Premium Products.... <ul><li>District GDP of India – District wise breakup of economic activity. </li></ul><ul><li>Market Skyline of India – Consumer Market, Demography and many more for all districts separated for urban and rural areas. </li></ul><ul><li>Indian Development Landscape – Socio Economic Status for all districts </li></ul><ul><li>City Skyline of India Neighbourhood Series – Neighbourhood level information on consumer market & demography for 50 cities </li></ul><ul><li>Urban Consumer Spectrum – 31 consumer segments and their complete profiling for States, Urban areas of 135 districts </li></ul><ul><li>Towns & Rural Blocks of India – Town & Block level information on consumers </li></ul>
  15. 15. Some of our Patrons ….
  16. 16. For query or placing orders please contact Indicus Analytics Pvt. Ltd. 2 nd Floor, Nehru House, 4 Bahadur Shah Zafar Marg New Delhi- 110002. Phone: +91-11-42512400 E-mail: products@indicus.net www.indicus.net

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