Professional Documents
Culture Documents
December 2014
INDIA
WEALTH REPORT
2014
Reforming to Perform
FDI
Is your wealth favourably aligned to the overall Indian & Global Trends?
Foreword
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FY14 (` Cr.)
Proportion (%)
)LQDQFLDO
Physical
Total
2,57,41,664
100.00
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Asset Type
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Total
Amount (` Cr.)
1,34,71,160
Proportion (%)
100.00
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Provident Fund
5.46%
and Bonds
21.82%
Cash
9.66%
Equity
19.79%
Saving Deposits
12.09%
Insurance
16.43%
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Asset Type
Proportion (%)
Amount (` Cr.)
*ROG
Real Estate
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6LOYHU
1,22,70,501
100.00
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Total
Platinum
0.05%
Diamond
6.33%
Real Estate
41.07%
Gold
50.96%
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Real Estate
2,57,41,661
100.00
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Total
Amount (` Cr.)
Section 1:
Global Individual Wealth
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198.2
200.0
180.0
160.0
140.0
120.0
100.0
80.0
60.0
40.0
20.0
0.0
152.0
121.4
2010
122.0
2011
132.7
2012
2013
2018E
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Figure 5:
Middle East
15%
North America
28%
North America
32%
Europe
28%
Asia-Pacific
31%
Europe
24%
Asia-Pacific
27%
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8+1,VDUHGHQHGDVWKRVHKDYLQJLQYHVWLEOHDVVHWRI86PLOOLRQRUPRUHH[FOXGLQJSULPDU\
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:RUOG:HDOWK5HSRUW3DJH &DSJHPLQL5%&:HDOWK0DQDJHPHQW
Source: World Wealth Report 2014, Page 9, Figure 6, Capegemini and RBC Wealth Management
7DEOH&ODVVLFDWLRQRI:HDOWK*OREDOO\LQ.H\$VVHW&ODVVHV
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Global (%)
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$OWHUQDWH$VVHWVLQFOXGLQJ*ROGDQGRWKHUSUHFLRXV
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Real Estate
Total
100.00
7KH*OREDODVVHWDOORFDWLRQLQHTXLWLHVIHOOWRFRPSDUHGWRODVW\HDU3URSRUWLRQRI
DOWHUQDWHDVVHWVJUHZWRDVFRPSDUHGWRLQ
Section 2:
Indian Economic Scenario
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$QRWKHUZRUU\LQJIDFWRUIRUWKHHFRQRP\LQWKHSDVW,,3LVDOVRVKRZLQJVLJQVRIUHYLYDO12
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,QGLDV&XUUHQW$FFRXQW'HFLW&$'IRUWKHTXDUWHUHQGHG0DUFKWKLV\HDUIHOOVKDUSO\WRRI
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ZDV VWHHSHU WKDQ WKH GURS LQ H[SRUWV +RZHYHU LQ )< ZLWK FUXGH SULFHV SULFHV RI PRVW
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7KXVZHFDQVHHWKDW,QGLDQ(FRQRP\VHHPVWRKDYHERWWRPHGRXWLQ)<DQGLVH[SHFWHGWR
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Section 3:
Individual Wealth in India
7KHWRWDO,QGLDQ,QGLYLGXDOZHDOWKLQ)LQDQFLDO$VVHWV
VWDQGV DW ` /DNK &URUH DV LQ )< ZKHUHDV
,QGLDQ ,QGLYLGXDO :HDOWK LQ 3K\VLFDO $VVHWV 5HDO
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WRWDO,QGLDQ,QGLYLGXDOZHDOWKKHOGLQ)<LVHVWLPDWHGWREHDW`/DNK&URUH
)LQDQFLDOZHDOWKFRQWULEXWHVDERXWDQG3K\VLFDOZHDOWKFRQWULEXWHVDERXWWRWKH
WRWDO,QGLDQ,QGLYLGXDOZHDOWK
FY14 (` Cr.)
Proportion (%)
)LQDQFLDO
Physical
Total
2,57,41,661
100.00
Physical
48%
Financial
52%
'XH WR WKH VORZLQJ GRZQ RI WKH HFRQRP\ LQ WKH ODVW IHZ \HDUV GXULQJ WKH WHQXUH RI WKH ROGHU
JRYHUQPHQWWKHKRXVHKROGVDYLQJVUDWHZDVJUHDWO\VNHZHGWRZDUGVSK\VLFDODVVHWVVXFKDV
5HDO(VWDWHDQG*ROG7KHUDWLRRISK\VLFDOWRQDQFLDODVVHWVKDGUHDFKHGDQDOOWLPHORZRI
WRLQ:LWKWKHWXUQDURXQGFRPLQJDERXWLQWKHHFRQRP\ZHH[SHFWWKLVWRUHWXUQWR
LQWKHQH[W\HDUV
10
Section 4:
Asset wise break up of
Individual Wealth held in
Financial Assets
7KH WRWDO ,QGLYLGXDO ZHDOWK KHOG LQ )LQDQFLDO $VVHWV
VWDQGV DW ` /DNK &URUH PDUNLQJ D JURZWK RI
DVFRPSDUHGWR)<7KHIROORZLQJQDQFLDO
DVVHWVKDYHEHHQFRQVLGHUHGWRDUULYHDW,QGLYLGXDOZHDOWK
x
x
x
x
x
x
x
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6DYLQJ'HSRVLWV
Cash
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15,'HSRVLWV
x
x
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x
x
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0XWXDO)XQGV
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3HQVLRQ)XQGV
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,QWHUQDWLRQDO)LQDQFLDO$VVHWV
%DQN)L[HG'HSRVLWV
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QDQFLDO FRPSDQLHV DQG 51%& 5HVLGXDU\ 1RQ %DQNLQJ
&RPSDQLHV
11
Amount (` Cr.)
6FKHGXOH&RPPHUFLDO%DQNV
6FKHGXOH&RRSHUDWLYH%DQNV
27,91,256
17.14
Total
NBFC Deposits:
1RQ%DQNLQJ)LQDQFLDO&RPSDQLHV1%)&VDUHHQJDJHGLQSURYLGLQJDUDQJHRIYDULHGQDQFLDO
VHUYLFHVDVSDUWRIWKH,QGLDQQDQFLDOV\VWHP1%)&VDUHLQFRUSRUDWHGXQGHUWKH&RPSDQLHV
$FW1%)&VFDQEHFODVVLHGLQWRWZREURDGFDWHJRULHVYL]
(i) N%)&VDFFHSWLQJSXEOLFGHSRVLW1%)&V'DQG
(ii) 1%)&VQRWDFFHSWLQJKROGLQJSXEOLFGHSRVLW1%)&V1'
5HVLGXDU\ 1RQ%DQNLQJ &RPSDQLHV 51%&V DUH DQRWKHU FDWHJRU\ RI 1%)&V ZKRVH SULQFLSDO
EXVLQHVVLVDFFHSWDQFHRIGHSRVLWVDQGLQYHVWLQJLQDSSURYHGVHFXULWLHV
'HSRVLWVZLWK1%)&VHFWRUVFRPSULVHRILQYHVWPHQWVLQ[HGGHSRVLWVRIGHSRVLWVWDNLQJ1%)&V
DQG51%&V
7DEOH &RPSRVLWLRQRIDVVHWVLQ1%)&VDQG51%&V
Types of NBFCs
FY14 (` Cr.)
'HSRVLWWDNLQJ1%)&
51%&
12
FY13 (` Cr.)
Figure 9:
Composition of Individual
Wealth in Fixed Deposits
Corporate FDs
2%
NBFC Deposits
1%
3XEOLFSODFHPHQWFDQEHXQGHUWDNHQE\WKH368V
3XEOLF6HFWRU8QGHUWDNLQJDQGWKHVHDUHNQRZQ
DV368ERQGVRUE\SULYDWHFRPSDQLHVZKLFKDUH
NQRZQ DV &RUSRUDWH %RQGV RU 1RQ &RQYHUWLEOH
'HEHQWXUHV
,Q )< WRWDO SXEOLF LVVXHV ZHUH PDGH DV
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FRPSDQLHV PRVWO\ 1%)&V DUH EHWWHU UDWHG DQG
KDYH VWURQJ PDQDJHPHQW ZKLFK LQFUHDVHV WKH
LQYHVWRUFRQGHQFH
Bank FDs
97%
7KHWRWDO$VVHW8QGHU0DQDJHPHQWRI%RQGVDQG'HEHQWXUHVDVRIst0DUFKVWDQGVDW
`&URUH2XWRIWKLVLQGLYLGXDOSDUWLFLSDWLRQDPRXQWVWR`&URUHDQLQFUHDVH
of 66.41% over the FY13.
PSU Bonds: ,VVXHGE\YDULRXV3XEOLF6HFWRU8QGHUWDNLQJVWRWDO$VVHW8QGHU0DQDJHPHQWRI
368ERQGVLV`&URUHDVRIst0DUFK7KHVH368ERQGVLQFOXGHWD[DEOHDQGWD[
IUHHERQGVThe estimated individual wealth in these bonds is `54,300 Crore.
Corporate Bonds: ,VVXHGE\1RQ368FRPSDQLHVWRWDODVVHWXQGHUPDQDJHPHQWRI&RUSRUDWH
%RQGVLV`&URUH7KHHVWLPDWHGLQGLYLGXDOZHDOWKLQWKHVHQRQFRQYHUWLEOHGHEHQWXUHV
is `13,637 Crore.
5%,
6(%,
13
6HFWRU
368
&RUSRUDWH
Total
Individual Wealth in
FY14 (` Cr.)
67,937
66.41
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VWRFN PDUNHWV 7KH VLQJOH ELJJHVW IDFWRU LPSDFWLQJ WKH VWRFN
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URVHIURPRQWKHst$SULODQGUDOOLHGWRRQst
0DUFKZKLFKWUDQVODWHGLQWRDPDUNHWFDSLWDOL]DWLRQLQFUHDVH
RI`/DNK&URUHIURP`/DNKFURUH7KHEXOOPDUNHW
VWDUWHGZLWKWKH1'$DQQRXQFLQJ0U1DUHQGUD0RGLDVWKHLU30FDQGLGDWHRQWKHthRI6HSWHPEHU
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$EKL\DQ KDV EHHQ ODXQFKHG E\ WKH QHZ JRYHUQPHQW +HQFH PRUH DQG PRUH GRPHVWLF DQG
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H[SHFWHGWRUHDFKE\
,QGLYLGXDOZHDOWKLQ)<HTXLW\LQFUHDVHGE\ZKLFKLVSHUFHQWDJHSRLQWVOHVVWKDQWKH
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,QGLDQV VWRRG DW ` ODNK FRUHV$ 1RQ5HVLGHQW ,QGLDQ FLWL]HQ 15, FDQ LQYHVW LQ ,QGLDV
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,QGLD7KHZHDOWKKHOGE\15,VLQ,QGLDQVWRFNPDUNHWVWDQGVDW`&URUH
7DEOH 'LUHFW(TXLW\&ODVVLFDWLRQ
Investors
3URPRWHU+ROGLQJ
,QVWLWXWLRQV
,QGLYLGXDO,QYHVWRUV
Total
% of Market Capitalization
50
33
100
Amount (` Cr.)
72,77,719
15,1RQ5HVLGHQW,QGLDQLVDQ,QGLDQFLWL]HQUHVLGLQJRXWVLGH,QGLDDFFRUGLQJWR)(0$
14
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%RQGV
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,QGLDFRQWLQXHVWREHXQGHULQVXUHG/LIHLQVXUDQFHSHQHWUDWLRQLQWKHFRXQWU\WKHUDWLRRISUHPLXP
XQGHUZULWWHQLQD\HDUWRWKH*URVV'RPHVWLF3URGXFW*'3ZDVMXVWDURXQG,WLVIRUHFDVW
WR JURZ DW D &RPSRXQGHG$QQXDO *URZWK 5DWH &$*5 RI RYHU WKH QH[W YH \HDUV
$VVHWV8QGHU0DQDJHPHQW$80RIOLIHLQVXUHUVZLOODOPRVWWUHEOHWR20WULOOLRQQHDUO\`/DNK
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FY14 (` Cr.)
FY13 (` Cr.)
22,12,654
:HFDQVHHIURPWKHWDEOHDERYHWKDW$80LQWKH/LIH,QVXUDQFHKDVJURZQE\WR`
/DNK&URUH
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7KH SXUSRVH RI WKLV VFKHPH LV WR SURYLGH OLIH LQVXUDQFH EHQHWV WR WKH HPSOR\HHV RI
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7KH WRWDO ZHDOWK LQ (PSOR\HHV 'HSRVLW /LQNHG ,QVXUDQFH )XQG VWDQGV DW ` &URUH
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,5'$
/LIHLQVXUDQFHFRXQFLO
15
Amount (` Cr.)
6FKHGXOH&RPPHUFLDO%DQNV
6FKHGXOH&RRSHUDWLYH%DQNV
Total
Amount (` Cr.)
6FKHGXOH&RPPHUFLDO%DQNV
6FKHGXOH&RRSHUDWLYH%DQNV
Total
FY14 (` Cr.)
7HUP'HSRVLWV
6DYLQJV'HSRVLWV
&XUUHQW'HSRVLWV
5%,
FY13 (` Cr.)
5HJLRQDO'LVWULEXWLRQRI,QGLYLGXDO:HDOWK
KHOGLQ6FKHGXOH&RPPHUFLDO%DQN6&%
Deposits (Current, Savings and Term
Deposits)
+RXVHKROG VHFWRU ZLWK 22 VKDUH ZDV WKH
ODUJHVWFRQWULEXWRULQWRWDOGHSRVLWVDVRQst
0DUFK0HWURSROLWDQEUDQFKHVIROORZHG
E\XUEDQDQGVHPLXUEDQEUDQFKHVFRQWLQXHG
WR OHDG GHSRVLW JHQHUDWLRQ E\ 6FKHGXOH
&RPPHUFLDO %DQNV PDLQO\ LQ WKH IRUP RI
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0HWURSROLWDQ8UEDQ EUDQFKHV FRQWULEXWHG
DERXW RI WKH WRWDO GHSRVLWV IROORZHG E\
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Figure 10:
Distribution of Deposits
according to area
Rural
10%
Semi-Urban
14%
Urban/
Metropolitan
76%
Proportion (%)
Amount (` Cr.)
6RXWK
North
&HQWUDO
(DVWHUQ
West
1RUWK(DVW
24
22
15
14
23
2
$VSHUWKHW\SHRIGHSRVLWVDOOWKHUHJLRQVIROORZHGWKHVDPHWUHQGDVPRVWRIWKHZHDOWKZDV
SDUNHGLQ7HUP'HSRVLWVIROORZHGE\6DYLQJ'HSRVLWVDQG&XUUHQW'HSRVLWV
` Crore
500000.00
400000.00
CURRENT
300000.00
SAVINGS
200000.00
TERM
100000.00
0.00
5%,
4.5 Cash
&DVKLVHVWLPDWHGXVLQJWKHFXUUHQF\LQSXEOLFFLUFXODWLRQJXUHV
UHOHDVHGE\WKH5%,HYHU\ZHHN,WLQFOXGHVQRWHVDQGFRLQVThe
table shows that as on 31st0DUFK`13 Lakh Crore worth
RIFDVKLVLQWKHKDQGVRISXEOLF7KHSHUVLVWHQWLQDWLRQVLQFH
VLWXDWLRQ KDV UHVXOWHG LQ WKH 5%, WDNLQJ OLTXLGLW\ FRQWURO
PHDVXUHVDQGLQIXVLQJOHVVFDVKLQWKHV\VWHPZKLFKH[SODLQVWKH
GHFOLQLQJUDWHRIFXUUHQF\LQFUHDVH
Amount (` Cr.)
` Crore
1000000
800000
600000
400000
200000
0
2010
2011
2012
2013
2014
(PSOR\HHV3URYLGHQW)XQG
(PSOR\HH3URYLGHQW)XQGLVDPDQGDWRU\UHWLUHPHQWEHQHWDSSOLFDEOHRQO\WRVDODULHGHPSOR\HHV
,WLVIXQGWRZKLFKERWKWKHHPSOR\HHDQGHPSOR\HUFRQWULEXWHRIWKHIRUPHUVEDVLFVDODU\
DPRXQWHDFKPRQWK(3)DFFRXQWVZLOOQRZ\LHOGDUHWXUQRIDQQXDOO\,Q(3)WKHDPRXQW
LVSDLGDWWKHWLPHRIUHWLUHPHQWRUUHVLJQDWLRQZKLFKHYHURFFXUVHDUOLHU7KHDPRXQWLQYHVWHGLQ
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DGPLQLVWHUHGE\(3)27KLVVFDOVDZDULVHRILQWKH(3)ZKLFKQRZVWDQGVDW`4.74
Lakh Crore.
3XEOLF3URYLGHQW)XQG
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VSHFLHGOLVWRIEDQNVLVDOORZHGWRWDNHGHSRVLWVIRUWKLVIXQG7KHFXUUHQWUDWHRILQWHUHVWRIIHUHG
LVDQQXDOO\,QYHVWPHQWXSWR,15SHUDQQXPTXDOLHVIRU,75HEDWHXQGHU6HFWLRQ
&RI,7$FW
FY14 (` Cr.)
FY13 (` Cr.)
23
33)ZLWK%DQNV
Total
7,36,096
5,24,300
40.39
(PSOR\HH3URYLGHQW)XQG
33)ZLWK3RVW2IFH
15,'HSRVLWV
1RQ5HVLGHQW,QGLDQVFDQSDUNWKHLUPRQH\ZLWK,QGLDQ%DQNVWKURXJKYDULRXVGHSRVLWVFKHPHV
XQGHUWKHJXLGHOLQHVRI5HVHUYH%DQNRI,QGLD15,IRUWKHSXUSRVHRI%DQN$FFRXQWVLVGHQHG
XQGHU)(0$15,VDUHSHUPLWWHGWRRSHQGLIIHUHQWW\SHVRIEDQNDFFRXQWVOLNH1521RQ5HVLGHQW
2UGLQDU\$FFRXQW15(1RQ5HVLGHQW([WHUQDO$FFRXQWDQG)&15%)RUHLJQ&XUUHQF\1RQ
5HVLGHQW%DQN$FFRXQW152DQG15(DFFRXQWVFDQEHRSHQHGLQWKHIRUPRIFXUUHQWVDYLQJV
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WR\HDUV
7KHRXWVWDQGLQJDPRXQWLQWKH15,GHSRVLWVDVRQst0DUFKLV`6,22,33724 Crore. The
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6,22,337
FY13 (` Cr.)
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The Individual Wealth in Small Savings stands at `/DNK&URUH
FY14 (` Cr.)
FY13 (` Cr.)
3RVW2IFH0RQWKO\,QFRPH6FKHPH
.LVDQ9LNDV3DWUD
3RVW2IFH5HFXUULQJ'HSRVLW$FFRXQW
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2.45
20
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$80
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Individual Wealth in Mutual Funds stood at `3.93 Lakh Crore up from `3.49 Lakh Crore in FY13.
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FY14 (` Cr.)
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349,749
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to be `23,727 Crore in FY14.
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over FY13.+HGJH)XQGVLQ,QGLDRXWSHUIRUPHGPDQ\RIWKHLUJOREDOSHHUVLQWKH-DQXDU\0DUFK
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individual wealth in these funds in the FY14 stands at `&URUHDGHFUHDVHRIDV
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25
Section 5:
Asset wise Break-Up of Individual Wealth held in
Physical Assets in India
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x *ROG
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Jewelry
Total
310
Figure 13: Quarterly Demand of Jewelry and Bars and Coins Investment
200
188
180
150.7
160
Tonnes
140
145.6
122
120
104.7
Jewelry
100
80
68
60
44.7
43.5
40
20
0
Q1 FY 14
Q2 FY 14
Q3 FY 14
Q4 FY 14
FY13
FY14
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FXUEVRQLPSRUWVRIJROGLQ0D\The total value of wealth in individual gold stands at `62.5
Lakh Crore up 3% from FY13.
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Type
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Total
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46,09,510
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7KHGHPDQGIRUVLOYHULQFUHDVHGLQ,QGLDE\DVFRPSDUHGWRODVW\HDUDV,QGLDQVRFNHG
WRVLOYHURQDFFRXQWRI,QGLDQUHVWULFWLRQVLQWKHJROGWUDGHThe total household wealth that is
FKDQQHOL]HGLQWRVLOYHULVHVWLPDWHGWREH`1.9 Lakh Crore.
5.5: Platinum
3ODWLQXPMHZHOU\LVRQWKHULVHLQ,QGLD,WLVHDWLQJLQWRWKHWUDGLWLRQDO
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7KH ,QGLDQ MHZHOU\ PDUNHW KDV ZLWQHVVHG D VWDJJHULQJ JURZWK RI SHUFHQW LQ WKH SODWLQXP
MHZHOU\VHJPHQWLQ7KHSULFHJDSEHWZHHQJROGDQGSODWLQXPKDVQDUURZHGIURP
WR QRZ *ROG`JP 3ODWLQXP`JP The total Individual Wealth in the
form of Platinum stands at `&URUHXSIURP`3,466 Crore in FY13.
30
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Section 6:
Individual Wealth-India
versus World
7DEOH EHORZ VKRZV WKH SURSRUWLRQ RI LQYHVWPHQWV LQ
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India (%)
Global (%)
(TXLW\
13
25
'HEWLQFOXGLQJ&DVK
$OWHUQDWH$VVHWLQFOXGLQJ*ROGDQGRWKHU
SUHFLRXVPHWDOVDQGJHPV
Real Estate
Total
43
13
20
100
100
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SULPDULO\EHFDXVHRILQYHVWPHQWVLQJROGDV,QGLDQLQGLYLGXDOVSUHIHULQYHVWLQJLQJROGKLJKHUDV
FRPSDUHGWRRWKHUFRXQWULHV
31
Section 7:
Survey on HNI Investment Behavior in India
.DUY\3ULYDWH:HDOWKFRQGXFWHGDSULPDU\UHVHDUFKWRJDXJHWKHLQYHVWPHQWEHKDYLRXURI+1,V
LQ ,QGLD +1,V ZHUH VXUYH\HG DFURVV UHJLRQV DQG FLWLHV LQ ,QGLD DQG WKHLU UHVSRQVHV ZHUH
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:KHQDVNHGDERXWZKDWLVWKHLU3ULPDU\6RXUFHRIZHDOWKRIWKHUHVSRQGHQWVVDLGWKDWWKHLU
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KDGWKHLUZHDOWKIURP,QKHULWDQFH
Figure 15:
$VVHW$OORFDWLRQ3ULQFLSDO
Figure 14:
3ULPDU\VRXUFH
of wealth
Not Applicable
3%
Entrepreneurship
31%
Work
Benefits
58%
Follow the
same
51%
Change
46%
Inheritance
11%
3ULQFLSOHRI$VVHW$OORFDWLRQ
:KHQDVNHGZKHWKHUWKH\DOZD\VIROORZWKHLUDVVHWDOORFDWLRQSULQFLSOHRUFKDQJHDFFRUGLQJWRWKH
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DVHFRQGKRPHVDLGWKDWWKH\KDYHSDUNHGWKHLUPRQH\LQWRUHDOHVWDWHZKHUHDVRQO\
GHQLHGKDYLQJVXFKDQLQYHVWPHQW,WZDVDOVRREVHUYHGWKDWUHDOHVWDWHDVDVHFWRULVJDLQLQJ
LPSRUWDQFHIRU+1,VDVPRVWRIWKHPDOVRLQYHVWHGLQRWKHUIRUPVRIUHDOHVWDWHLQYHVWPHQWV2WKHU
WKDQLQYHVWLQJGLUHFWO\LQWR6HFRQGKRPHV5HDO(VWDWH1&'VDUHEHFRPLQJSRSXODUDPRQJ+1,V
&LWLHVVXUYH\HGZHUH0XPEDL3XQH'HOKL&KHQQDL+\GHUDEDG%DQJDORUH&KDQGLJDUK
DQG.RONDWD
32
36%
No
Yes
64%
0%
20%
40%
60%
80%
Figure 17:
Trend on investing in
Corporate FDs
Yes
No
48%
52%
3UHIHUHQFHIRU1RQ7UDGLWLRQDO$VVHW&ODVVHV
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Investment in
Alternative asset
Figure 19:
Investment in International
(TXLW\
46%
71%
31%
23%
29%
Yes
No
Never Invested
Yes
No
33
Figure 21:
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34
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Peers
11%
Wealth Manager
46%
Family
32%
Chartered
Accountant
11%
Section 8:
Future of Indian Individual Wealth
2SWLPLVP LV EDFN LQ WKH HFRQRP\ DQG PDQ\ HFRQRPLF LQGLFDWRUV VKRZ WKDW WKH ZRUVW IRU WKH
HFRQRP\LVQRZRYHULPSURYHG,,36HUYLFHVKDYHVWDUWHGVKRZLQJJURZWK7KHQHZJRYHUQPHQW
ZLWKQRIHDURIWKHSROLWLFDOFKDLQVRIFRDOLWLRQFDQWDNHEROGGHFLVLRQVZKLFKZLOOWDNHWKHHFRQRP\
RQ D KLJK JURZWK SDWK (TXLW\ ZLOO UHDS WKH PD[LPXP EHQHWV RI WKLV JURZWK ZLWK WKH VHQVH[
H[SHFWHGWRDWWDLQOHYHOVE\
*'3JURZWKUDWHVRIWRDUHH[SHFWHGIRUWKHQH[WYH\HDUVWDNLQJWKHQRPLQDO*'3
RI)<WR7ULOOLRQ86'IURPWKHFXUUHQWOHYHOV$OVRPRUHRIWKHKRXVHKROGVDYLQJVDUH
H[SHFWHGWRJRWRQDQFLDOLQVWUXPHQWVDQGWKHQDQFLDOWRSK\VLFDOVDYLQJVUDWLRLVH[SHFWHGWR
UHWXUQWRWKHOHYHOVVHHQGXULQJWKHJROGHQ\HDUVRIIURPWKHFXUUHQWUDWLRRI
7RWDO,QGLYLGXDO:HDOWKLVH[SHFWHGWRUHDFK`514 Lakh Crore in FY19 from `257 Lakh Crore
LQ)<VKRZLQJD&$*5RI)LQDQFLDO$VVHWVDUHVHHQSRVWLQJDPXFKIDVWHUJURZWK
WKDQ3K\VLFDO$VVHWVKLJKHTXLW\JURZWKEHLQJDPDMRUUHDVRQIRUWKLVZKLFKLVFRQVLVWHQWZLWK
WKHHFRQRP\HPEDUNLQJRQDKLJKJURZWKSDWK
7DEOH,QGLYLGXDO:HDOWK)RUHFDVW
Asset Type
FY19 (` Cr.)
&$*5
FY14 (` Cr.)
)LQDQFLDO
Physical
2,57,41,664
Total
)LJXUH%UHDNXSRI)LQDQFLDODQG3KVLFDO$VVHVWVLQ)<DQG)<
Physical
Assets
48%
Financial
Assets
52%
Physical Assets
38%
FY14
Financial Assets
62%
FY19
)LQDQFLDO$VVHWVDUHH[SHFWHGWRJURZWR`316/DNK&URUHDWD&$*5RIULGLQJRQWKH
EDFNRIHTXLW\ZKLFKLVH[SHFWHGWRVKRZD&$*5RI(TXLW\LVH[SHFWHGWRLQFUHDVHLWV
VKDUHLQQDQFLDODVVHWVIURPWR)L[HGGHSRVLWVDUHH[SHFWHGWRORVHVKDUHE\
SRLQWV,QVXUDQFHLVH[SHFWHGWRUHPDLQVWDEOHDW
)LQDQFLDO$VVHWVDUHVHHQWDNLQJDELJJHUVOLFHRIWKHSLHLQ)<
35
7DEOH3URMHFWHG)LQDQFLDO:HDOWK$VVHW&ODVV:LVH'LVWULEXWLRQLQ
FY19
Asset Class
'LUHFW(TXLW\
,QVXUDQFH
)L[HG'HSRVLWV
6DYLQJV'HSRVLWV
3URYLGHQW)XQG
Cash
0XWXDO)XQGV
15,'HSRVLWV
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&XUUHQW'HSRVLWV
%RQGV
3HQVLRQ)XQGV
$OWHUQDWLYH$VVHWV
,QWHUQDWLRQDO$VVHWV
Total
FY14 (` Cr.)
1,34,71,160
&$*5
FY19 (` Cr.)
3,16,74,990
)LJXUH3URMHFWHG)LQDQFLDO$VVHWV&ODVV:LVH'LVWULEXWLRQLQ)<
Current Deposits
1.22%
Bonds
NRI Deposits
3.61%
Small Savings 0.49%
2.87%
Mutual Funds
Pension
Funds
0.38%
Alternative Assets
0.30%
International Assets
0.13%
3.85%
Cash
5.87%
Provident
Fund
5.88%
Direct Equity
35.24%
Savings D;eposits
7.60%
Fixed
Deposits
16.08%
Insurance
16.47%
TDEOH3URMHFWHG3K\VLFDO:HDOWK$VVHW
Class Wise Distribution in FY19
3K\VLFDO $VVHWV DUH H[SHFWHG WR
JURZDWD&$*5RIWRUHDFK
`/DNK&URUHE\)<$PRQJ
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&$*5
Asset
FY19 (` Cr.)
*ROG
Real Estate
'LDPRQG
1,22,70,504
10.0
6LOYHU
3ODWLQXP
Total
FY14 (` Cr.)
Future Trends
7KHZHDOWKKHOGE\LQGLYLGXDOVLQQDQFLDODVVHWVKDVJURZQE\LQWKHODVW\HDUVDW
D&$*5RI&RQVLGHULQJWKHIDFWWKDWWKHHFRQRP\KDGQRWVKRZQKHDOWK\JURZWKLQ
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,QGLDQ(FRQRP\ PDNHLWDPRQJWKHIDVWHVWJURZLQJHFRQRPLHVLQWKHZRUOG6HYHUDOQHZ
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