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The New Socio-Economic Classification System was formally launched by Lloyd Mathias, Chairman of MRUC (also President, Corporate Monitoring, Tata Teleservices Limited), and J Rajaretnam, President of …

The New Socio-Economic Classification System was formally launched by Lloyd Mathias, Chairman of MRUC (also President, Corporate Monitoring, Tata Teleservices Limited), and J Rajaretnam, President of the MRSI, in the presence of members of MRUC’s board and MRSI’s Managing Committee.

“In 2006, extensive research and inputs from industry experts had thrown up a burning need to revisit the classification system, given that the market environment, as also consumer profiles, preferences and attitudes had undergone a sea-change over the last three decades.” Mathias said.

Hope will be useful for all you marketing geeks..

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  • 1. MUMBAI. MAY 3, 2011 SOCIO-ECONOMIC CLASSIFICATION-2011 The New SEC systemTHE NEW SEC SYSTEM
  • 2. What is the new SEC system? 01 How do we classify a household in the new SEC system? 02 What are the advantages/ drawbacks of the new SEC system? 03 How was the new SEC system created? 04 What are the other systems that we considered? 05 What is the performance of the new SEC system? 06 Conclusion 07THE NEW SEC SYSTEM
  • 3. 01 What is the new SEC system?3 THE NEW SEC SYSTEM
  • 4. THE NEW SEC SYSTEM The new SEC system is used to classify households in India. It’s based on two variables: • Education of chief earner • Number of “consumer durables” ( from a predefined list)- owned by the family. The list has 11 items, ranging from ‘electricity connection’ and ‘agricultural land’- to cars and air conditioners We have 12 grades in the new SEC system, ranging from A1 to E34 THE NEW SEC SYSTEM
  • 5. DISTRIBUTION OF HOUSEHOLDSIndia ( urban + rural ) New SEC System 18.4 14.7 15.4 11.4 9.7 7.5 7.9 5.3 4.3 3.2 1.8 0.4 A1 A2 A3 B1 B2 C1 C2 D1 D2 E1 E2 E3 *Figures in percentage This round of analysis has been conducted using data from IRS 2008 (round 20)*. We have drawn a sub-sample of 39,4415 THE NEW SEC SYSTEM
  • 6. DISTRIBUTION OF HOUSEHOLDSUrban New SEC System 12.9 13.2 12.6 11.6 10.2 9.8 8.6 7.6 5.1 4.7 2.6 1.1 A1 A2 A3 B1 B2 C1 C2 D1 D2 E1 E2 E3 Current Urban SEC system The current urban SEC system has 8 grades, 24 and is based on occupation and education of 20.5 chief earner 18.2 11.9 7.9 8 6.6 2.8 A1 A2 B1 B2 C D E1 E26 THE NEW SEC SYSTEM
  • 7. DISTRIBUTION OF HOUSEHOLDSRural New SEC System 22.2 20.1 15.6 12.8 10.7 6.2 5.1 2.3 3.2 0.4 1.3 0.04 A1 A2 A3 B1 B2 C1 C2 D1 D2 E1 E2 E3 Current Rural SEC system 43 The current rural SEC system has 4 grades, 40.3 and is based on education of chief earner and material used in construction of dwelling 12.3 4.3 R1 R2 R3 R4 THE NEW SEC SYSTEM 7
  • 8. 02 How do we classify a household in the new SEC system?8 THE NEW SEC SYSTEM
  • 9. Just two questionsTHAT NEED TO BE ASKED SHOW CARD/READ OUT Q1a Please take a look at this list and tell me which of these items do you have at home? (It could be owned by you, your family, or provided by the employer or it could be available in the house you live in; but it should be for the use of just you or your family) EXPLAIN, IF NECESSARY: We have a standard list of items that we use in all kinds of cities and villages. So don’t worry if an item appears irrelevant for you, or too ordinary- just go ahead and tell me which items you do have. We need this information just for survey purpose only. Do you have a…(ITEM) in your home (which is in working condition)? CIRCLE ITEMS OWNED/HAVE AT HOME. TICK THE ITEM IF OWNED. ADD THE NO. OF TICKS IN THE BOX. Q1b Does your family own any agricultural land, by agricultural land I mean land that is currently under cultivation or plantation? SHOW CARD/READ OUT Q2 Could you tell me something about the person who makes the biggest contribution to the running of the household. To what level has he studied? RECORD IN GRID. USE GRID TO DETERMINE NEW SEC.9 THE NEW SEC SYSTEM
  • 10. RECORDINGThe grid 01 Items owned / have access at home Circle Tick Electricity Connection 01 √ Ceiling Fan 02 √ LPG Stove 03 √ Two Wheeler 04 √ Colour TV 05 √ 1a Refrigerator 06 √ Washing Machine 07 Personal Computer/ Laptop 08 Car/Jeep/Van 09 √ Air Conditioner 10 1b Agricultural Land 11 √ NUMBER OF STANDARD 11 OWNED 810 THE NEW SEC SYSTEM
  • 11. RECORDINGThe grid Chief Earner: Education (Q2) 02 Literate Some but no Graduate/ College Graduate/ No. of formal Post School- 5 (incl a Post Illiterate schooling/ SSC/ HSC Graduate: Durables to 9 years Diploma) Graduate: School- Profession (TRANSFER but not General Upto 4 al FROM Q1) Grad years 1 2 3 4 5 6 7 None E3 E2 E2 E2 E2 E1 D2 1 E2 E1 E1 E1 D2 D2 D2 2 E1 E1 D2 D2 D1 D1 D1 3 D2 D2 D1 D1 C2 C2 C2 4 D1 C2 C2 C1 C1 B2 B2 5 C2 C1 C1 B2 B1 B1 B1 6 C1 B2 B2 B1 A3 A3 A3 7 C1 B1 B1 A3 A3 A2 A2 8 B1 A3 A3 A3 A2 A2 A2 9+ B1 A3 A3 A2 A2 A1 A111 THE NEW SEC SYSTEM
  • 12. What sort of people are these?NewSECSystem Have Have Owns Owns Colour Use Utensil Have Two Have Have Have Have Electricity Fan Pressure Cooker TV Cleaner Wheeler Refrigerator Kitchen Sink Dining Table AC A1 A2 A3 B1 B2 C1 C2 D1 D2 E1 E2 E3 THE NEW SEC SYSTEM
  • 13. 03What arethe advantagesof the new SEC system?THE NEW SEC SYSTEM
  • 14. Advantages OF THE NEW SEC SYSTEM More discrimination as compared with current systems A single system for urban and and rural India Less subjectivity- as we no longer use occupation It’s simple - easy to answer, not very time consuming, easy to classify14 THE NEW SEC SYSTEM
  • 15. 03Are there anydrawbacksto the new SEC system?THE NEW SEC SYSTEM
  • 16. There are no serious problems. But… We need to be better prepared to handle minor changes to the system, because “consumer durables” penetration will change faster than education or occupation The questioning can appear intrusive to people who are unaccustomed to market research. It’s not a problem elsewhere16 THE NEW SEC SYSTEM
  • 17. 04How did we go aboutcreating the new system?THE NEW SEC SYSTEM
  • 18. How we created the new system Extensive analysis based on data drawn from the IRS, made available by the MRUC- various rounds, from 2005 to 2008 Have also drawn on data from MarketPulse, IMRB’s Household panel, supplemented by a special survey18 THE NEW SEC SYSTEM
  • 19. The building blocks that were available to us ‘Demographic’ variables: e.g. occupation of chief earner, education of chief earner, education of housewife, claimed monthly household income Dwelling type and amenities: e.g. construction material, tap, bathroom, number of rooms Ownership of consumer durables19 THE NEW SEC SYSTEM
  • 20. How we arrange the blocks ‘A scoring system called LIFE; which takes into account whether a household owns or uses a wide-ranging products ranging from material of wall, roof, mode of transportation, use of toilet soap, use of ghee, biscuits, etc. The LIFE score is used to decide the order of groups defined by two or more In all we used 34 items: giving weights in variables inverse proportion to usage/ownership20 THE NEW SEC SYSTEM
  • 21. How the LIFE scores are used – an example Chief Earner: Education Literate but Some College Graduate/ Graduate/ We compute the average formal no School- 5 to 9 (incl a Post Post No. of Illiterate schooling/ LIFE* score for each cell years SSC/ HSC Diploma) but Graduate: Graduate: School- Upto Durables defined by number of 4 years not Grad General Professional durables x education 1 2 3 4 5 6 7 None 81 98 111 125 130 134 217 1 120 133 145 160 165 178 115 2 157 166 185 199 222 215 263 3 193 211 225 247 265 278 268 4 232 250 271 298 319 343 338 5 260 286 313 341 370 391 394 6 294 338 344 377 438 425 447 7 307 384 373 415 456 470 483 8 366 429 411 455 497 500 510 9+ 592 487 495 558 575 * Excluding durables21 THE NEW SEC SYSTEM
  • 22. How the LIFE scores are used – an example Chief Earner: Education Literate but Some College Graduate/ Graduate/ no formal And then group the cells School- 5 to 9 (incl a Post Post No. of Illiterate schooling/ years SSC/ HSC Diploma) but Graduate: Graduate: Durablesa similar scoreyears Upto with School- 4 not Grad General Professional 1 2 3 4 5 6 7 None 81 98 111 125 130 134 217 1 120 133 145 160 165 178 115 2 157 166 185 199 222 215 263 3 193 211 225 247 265 278 268 4 232 250 271 298 319 343 338 5 260 286 313 341 370 391 394 6 294 338 344 377 438 425 447 7 307 384 373 415 456 470 483 8 366 429 411 455 497 500 510 9+ 592 487 495 558 575 Each group is * Excluding durables assigned a grade SEC Grades A1 A2 A3 B1 B2 C1 C2 D1 D2 E1 E2 E322 THE NEW SEC SYSTEM
  • 23. The basis of measuring the discrimination We used the Lorenz curve, and the associated Gini coefficient, as a basis for measuring discrimination or inequality We assume that the system that throws up more inequality is more discriminating. In other words, the system that shows a bigger difference in ownership/consumption between the top half and the bottom half is the better one23 THE NEW SEC SYSTEM
  • 24. 05What were theother systemsthat we considered?THE NEW SEC SYSTEM
  • 25. We’ve evaluated many options Point based system using education of highest educated individual, press exposure of A system based on housewife, and ownership of occupation and education of durables plus other aspects chief earner and the number of consumer durables owned A system based on and education of chief earner and the “best type” of consumer durables owned25 THE NEW SEC SYSTEM
  • 26. What we learnt from analysis and fieldwork Two kinds of variables are better than one. But the gains from using three sets of variables is small Systems that call for multiple grids or adding up points are time consuming; errors in classifying can occur A system that requires cards to be shown is not a good idea- it’s hard to manage this at the ‘doorstep’ Occupation is a weak discriminator Systems based on consumer durables offer good discrimination26 THE NEW SEC SYSTEM
  • 27. Our conclusions at the end of earlier rounds Consumer durables (number owned) combined with education of chief earner is a satisfactory system Easy to administer- takes only about 20 seconds more than the current urban system Discrimination as good or better than urban SEC Discrimination much better than rural SEC The focus then was to optimize this system- adding or dropping consumer durables, if needed Many versions of this system have been explored before arriving at the current system27 THE NEW SEC SYSTEM
  • 28. 06Performanceof the new SEC system?THE NEW SEC SYSTEM
  • 29. Penetration of Selected items BY THE NEW SEC SYSTEM (U+R) Color TV Automobile (car /van/ jeep) 100 99 99 100 96 91 100 93 87 90 90 77 80 80 70 70 60 60 50 43 50 40 40 33 30 30 20 20 20 11 10 4 10 4 0 0 1 0 0 0 0 0 0 0 0 0 A1 A2 A3 B1 B2 C1 C2 D1 D2 E1 E2 E3 A1 A2 A3 B1 B2 C1 C2 D1 D2 E1 E2 E3 Purchased in Past 6 Months - Jam Purchased in Past 6 Months - Toilet Cleaners 100 100 91 90 90 79 80 80 70 70 65 60 60 50 50 42 50 38 40 32 40 30 30 26 21 19 20 11 20 12 7 6 5 10 3 2 1 0 0 0 10 2 1 0 0 0 A1 A2 A3 B1 B2 C1 C2 D1 D2 E1 E2 E3 A1 A2 A3 B1 B2 C1 C2 D1 D2 E1 E2 E3 MRUC/Hansa Research –IRS 2008 (round 20)29 THE NEW SEC SYSTEM
  • 30. PENETRATIONNew vs Current system (urban) Have internet access at home Have internet access at home 60 54 60 50 50 40 40 30 30 19 20 20 13 9 10 5 10 4 2 0 0 0 0 0 0 0 0 2 1 0 0 0 0 0 A1 A2 A3 B1 B2 C1 C2 D1 D2 E1 E2 E3 A1 A2 B1 B2 C D E1 E2 Household subscribe any Newspaper Household subscribe any Newspaper 100 96 100 90 82 90 84 80 80 71 68 70 70 60 54 60 56 50 50 43 38 40 40 30 30 23 30 20 15 12 20 13 10 10 5 2 3 10 3 1 0 0 A1 A2 A3 B1 B2 C1 C2 D1 D2 E1 E2 E3 A1 A2 B1 B2 C D E1 E2 MRUC/Hansa Research –IRS 2008 (round 20)30 THE NEW SEC SYSTEM
  • 31. PENETRATIONNew vs Current system (urban) (CONTD.) Receive Cable & Satellite Receive Cable & Satellite 98 100 92 90 100 90 85 83 90 86 84 80 80 80 74 80 76 69 70 70 58 60 49 60 49 50 50 40 35 40 33 30 30 16 20 20 10 5 10 1 0 0 A1 A2 A3 B1 B2 C1 C2 D1 D2 E1 E2 E3 A1 A2 B1 B2 C D E1 E2 Purchased in Past 6 Months - Ketchup / Sauces Purchased in Past 6 Months - Ketchup / Sauces 80 72 80 70 70 60 53 60 55 50 50 37 40 40 40 28 30 23 30 19 19 16 20 13 20 9 7 9 7 10 5 5 3 10 5 2 0 0 A1 A2 A3 B1 B2 C1 C2 D1 D2 E1 E2 E3 A1 A2 B1 B2 C D E1 E2 MRUC/Hansa Research –IRS 2008 (round 20)31 THE NEW SEC SYSTEM
  • 32. PENETRATIONNew vs Current system ( urban ) (CONTD.) Purchased in Past 6 Months - Instant Noodles Purchased in Past 6 Months - Instant Noodles 59 60 60 50 48 50 47 40 38 40 40 33 28 30 26 30 22 18 20 18 20 14 13 10 9 10 7 10 5 2 4 2 0 0 A1 A2 A3 B1 B2 C1 C2 D1 D2 E1 E2 E3 A1 A2 B1 B2 C D E1 E2 Purchased in Past 6 Months - Toilet Cleaners Purchased in Past 6 Months - Toilet Cleaners 100 92 100 90 82 90 81 80 80 69 69 70 70 58 60 60 60 50 46 47 50 40 33 37 40 27 30 30 22 19 18 20 10 20 9 10 5 2 10 1 0 0 A1 A2 A3 B1 B2 C1 C2 D1 D2 E1 E2 E3 A1 A2 B1 B2 C D E1 E2 MRUC/Hansa Research –IRS 2008 (round 20)32 THE NEW SEC SYSTEM
  • 33. PERFORMANCE ON DISCRIMINATIONIndia ( u + r )Gini coefficients for New SEC system compared with benchmark PenetrationOwn Microwave oven 0.4Own Internet access at home - Through PC / TV 0.7Own PC at home 1.6Own Camera (still/ digital) 3.5Housewife have read a magazine in the last 7 5.8daysOwn DVD player 6.8Own Kitchen Sink 8.2Own - Mobile / Cellular Phone 12.4Own Telephone 12.6Receive Cable & Satellite 31.2Own Pressure cooker 37.0 0 0.2 0.4 0.6 0.8 1 New System Gini Values Benchmark System (MHI) Data Source: MRUC/ Hansa Research - IRS 2008 (Round 20)33 THE NEW SEC SYSTEM
  • 34. PERFORMANCE ON DISCRIMINATIONIndia ( u + r ) (CONTD.)Gini coefficients for New SEC system compared with benchmark Penetration Jam 3.3 Ketchup / Sauces 5.3 Chocolates 6.6 Instant Noodles 6.7 Floor Cleaners 11.6 Toilet Cleaners 14.1 Soft drinks/Fruit Juices 15.8 Skin Creams/Lotions 21.4 Utensil cleaners 29.7 Fabric whiteners / blues 49.8 Toothpaste 57.7 Shampoo 75.1 Bathing Soaps / Liquid Soaps 95.8 0 0.2 0.4 0.6 0.8 1 New System Gini Values Benchmark System (MHI) *Purchased in the last 6 months except soft drinks, skin creams and chocolates Data Source: MRUC/ Hansa Research - IRS 2008 (Round 20)34 THE NEW SEC SYSTEM 34
  • 35. GINI CO-EFFICIENTSUrbanGini coefficients for New SEC system compared with benchmark Penetration Own Microwave oven 1.0 Own Internet access at home - Through PC / TV 1.9 Own PC at home 4.5 Own Camera (still/ digital) 8.5 Housewife have read a magazine in the last 7 days 12.7 Own DVD player 15.7 Own Kitchen Sink 20.9 Own Telephone 23.8 Own - Mobile / Cellular Phone 25.9 Receive Cable & Satellite 60.0 Own Pressure cooker 69.6 0 0.2 0.4 0.6 0.8 1 Gini Values New System Current System Data Source: MRUC/ Hansa Research - IRS 2008 (Round 20)35 THE NEW SEC SYSTEM 35
  • 36. GINI CO-EFFICIENTSUrban (CONTD.)Gini coefficients for New SEC system compared with benchmark Penetration Processed Cheese/Cheese Products 4.1 Jam 8.9 Ketchup / Sauces 15.2 Chocolates 15.4 Instant Noodles 17.4 Soft drinks/Fruit Juices 28.3 Floor Cleaners 30.2 Skin Creams/Lotions 30.6 Toilet Cleaners 32.0 Utensil cleaners 59.9 Fabric whiteners / blues 60.1 Toothpaste 80.8 Shampoo 84.9 0 0.2 0.4 0.6 0.8 1 New System Gini Values *Purchased in the last 6 months except soft drinks, skin creams and chocolates Current System Data Source: MRUC/ Hansa Research - IRS 2008 (Round 20)36 THE NEW SEC SYSTEM 36
  • 37. GINI CO-EFFICIENTSRuralGini coefficients for New SEC system compared with benchmark Penetration Own Microwave oven 0.1 Own Internet access at home - Through PC / TV 0.1 Own PC at home 0.3 Own Camera (still/ digital) 1.3 Own Kitchen Sink 2.7 Housewife have read a magazine in the last 7 days 2.8 Own DVD player 2.8 Own - Mobile / Cellular Phone 6.6 Own Telephone 7.6 Rural Assets - Table Fan 13.4 Receive Cable & Satellite 18.6 Own Pressure cooker 22.8 Rural Assets - In-house toilet 30.9 0 0.2 0.4 0.6 0.8 1 New System Gini Values Current System Data Source: MRUC/ Hansa Research - IRS 2008 (Round 20)37 THE NEW SEC SYSTEM 37
  • 38. GINI CO-EFFICIENTSRural (CONTD.)Gini coefficients for New SEC system compared with benchmark Penetration Instant Noodles 2.1 Chocolates 2.8 Floor Cleaners 3.5 Toilet Cleaners 6.2 Soft drinks/Fruit Juices 10.4 Utensil cleaners 16.5 Skin Creams/Lotions 17.4 Fabric whiteners / blues 45.3 Toothpaste 47.6 Shampoo 70.8 Biscuits 73.2 0 0.2 0.4 0.6 0.8 1 Gini Values New System *Purchased in the last 6 months except soft drinks, skin creams and chocolates Current System Data Source: MRUC/ Hansa Research - IRS 2008 (Round 20)38 THE NEW SEC SYSTEM
  • 39. PERFORMANCE ON DISCRIMINATIONConclusion The new SEC system is better than the current urban system , and much better than the current rural system39 THE NEW SEC SYSTEM
  • 40. PERFORMANCE OF THE SYSTEMHomogeneity within the grade : India (u + r) MHI System New SEC System Inter Inter Distribution of Median Distribution of Median Level Quartile Level Quartile Households % LIFE Households % LIFE Range (IQR) Range (IQR) 1 0.5 702 186 A1 0.4 804 116 2 1.5 618 236 A2 1.8 687 150 3 4.2 514 243 A3 3.2 590 173 4 3.5 455 236 B1 4.3 494 172 5 4.7 391 227 B2 5.3 430 164 6 7.1 347 207 C1 7.5 369 142 7 11.7 289 178 C2 7.9 319 124 8 19.3 232 155 D1 11.4 270 117 9 19.2 181 139 D2 14.7 222 106 10 13.5 136 110 E1 18.4 164 90 11 12.9 125 111 E2 15.4 117 75 12 2.1 95 101 E3 9.7 80 65 THE NEW SEC SYSTEM Median LIFE (Urban + Rural): 220
  • 41. PERFORMANCE OF THE SYSTEMHomogeneity within the grade : India (u + r) MHI System New SEC System Distribution of Inter Quartile Distribution of Inter Quartile Level Median LIFE Level Median LIFE Households % Range (IQR) Households % Range (IQR) 1 0.5 702 186 A1 0.4 804 116 2 1.5 618 236 A2 1.8 687 150 3 4.2 514 243 A3 3.2 590 173 4 3.5 455 236 B1 4.3 494 172 5 4.7 391 227 B2 5.3 430 164 6 7.1 347 207 C1 7.5 369 142 7 11.7 289 178 C2 7.9 319 124 8 19.3 232 155 D1 11.4 270 117 9 19.2 181 139 D2 14.7 222 106 10 13.5 136 110 E1 18.4 164 90 11 12.9 125 111 E2 15.4 117 75 12 2.1 95 101 E3 9.7 80 65 THE NEW SEC SYSTEM Median LIFE (Urban + Rural): 220
  • 42. PERFORMANCE OF THE SYSTEMHomogeneity within the grade : Urban India Current SEC System New SEC System Distribution of Inter Quartile Distribution of Inter Quartile Level Median LIFE Level Median LIFE Households % Range (IQR) Households % Range (IQR) SEC A1 2.8 702 189 A1 1.1 807 106 SEC A2 6.6 616 225 A2 5.1 704 132 SEC B1 A3 7.6 610 147 7.9 539 215 B1 8.6 532 158 SEC B2 8.0 467 221 B2 10.2 463 158 SEC C 20.5 408 210 C1 12.9 399 136 SEC D 24.0 320 167 C2 11.6 347 118 SEC E1 11.9 280 155 D1 13.2 300 113 SEC E2 18.2 212 137 D2 12.6 251 100 E1 9.8 194 92 E2 4.7 148 93 E3 2.6 112 8042 THE NEW SEC SYSTEM Median LIFE (Urban India): 354
  • 43. PERFORMANCE ON HOMOGENEITYConclusion The new SEC system is able to reduce heterogeneity within social grade- and stretch the differences by grade43 THE NEW SEC SYSTEM
  • 44. 07ConclusionTHE NEW SEC SYSTEM
  • 45. In Conclusion We have a system that is simple, easy to administer. It gives us good discrimination; the social grades created are more homogenous But we do need to revisit the system at least once every two years; and make sure that when a change is needed, this is a smooth process It’s easy to begin using the new system. For those who need to keep track of the old SEC for reasons of comparability, the new system means just one more question- which can be tagged on right at the end.45 THE NEW SEC SYSTEM
  • 46. Thank You46 THE NEW SEC SYSTEM
  • 47. 08AppendicesTHE NEW SEC SYSTEM
  • 48. 01.Variables in the LIFE scoring system HOUSEHOLD DURABLES FMCG Electricity Air Conditioner Tea/ Coffee Biscuits # LPG Stove Personal Computer/ Laptop Skin Creams/Lotions Toothpaste/ toothpowder # Urban oriented Type of accommodation # Mode of Transportation # Soft drinks/Fruit Juices Washing cakes / bars # items Material on roof # Refrigerator Fabric whiteners / blues Washing powders / liquids # Material on wall # Washing Machine Cooking oil: vanaspati/ edible Toilet Cleaners Rural # oriented items Kitchen sink Ceiling Fan Ghee / Desi Ghee Talcum Powder Subscribe newspaper TV/ Cable & satellite # Toilet Soaps/bathing soaps/Liquid Soaps #Affluence Travel abroad * Camera # oriented items Land ownership * Music/entertainmentl # Telephone Tractor/ Power tiller POINTS 250 300 45048 THE NEW SEC SYSTEM # contains sub-levels ; (*): Travel abroad- Urban only / Land ownership: Rural only
  • 49. 02.The master set of consumer durables No. S. Item All India Urban Rural 1 0.5 1.6 0.1 Air conditioner 2 1.6 3.9 0.5 Automobile 3 4.0 11.5 0.7 Washing machine 4 13.1 30.6 5.5 Refrigerator 5 35.5 64.2 22.9 Color TV 6 15.1 27.4 9.7 Two wheeler 7 37.0 69.6 22.8 Pressure cooker 8 33.6 68.2 18.4 LPG stove 9 55.4 83.6 43.0 Ceiling fan 10 73.4 94.7 64.1 Electricity connection 11 - 0.1 n/a More than one car (Urban specific) 12 1.8 5.2 0.3 Personal Computer/ laptop 13 - n/a 35.1 Agricultural Land (Rural specific) 14 - n/a 1.8 Tractor (Rural specific) * Source : MRUC/Hansa Research a sample of 39441 from IRS 2008 (Round 20)THE NEW SEC SYSTEM
  • 50. 03.All India benchmark: MHI groups used MHI MHI Groups Grades 1 Rs.20001 + 2 Rs.12001 to Rs.20000 3 Rs.8001 to Rs.12000 4 Rs.6001 to Rs.8000 5 Rs.5001 to Rs.6000 6 Rs.4001 to Rs.5000 7 Rs.3001 to Rs.4000 8 Rs.2001 to Rs.3000 9 Rs.1501 to Rs.2000 10 Rs.1001 to Rs.1500 11 Rs.501 to Rs.1000 12 Up to Rs.50050 THE NEW SEC SYSTEM