- The survey found that 93% of rural households in Andhra Pradesh are indebted, with most debt from informal sources like moneylenders, friends, and employers. Informal loans accounted for the largest share of total loan amounts. - 78% of rural households have savings accounts, but most were opened to receive government benefits rather than for savings. Account activity is low, with many accounts remaining dormant. - Insurance penetration is high for life insurance but low for other types like health and crop insurance. Barriers to insurance included high costs and lack of awareness.