Скачать или смотреть 📉 HOUSEHOLD SAVINGS UNDER PRESSURE | RBI DATA | UPSC 2026💡 Why in News?

RBI Annual Report (FY25) shows Household Net Financial Savings fell to a 5-decade low of 5.1% of GDP.
📊 Key Facts (Prelims Ready):
▪️ Gross Financial Savings: 10.9% of GDP
▪️ Financial Liabilities: 5.8% of GDP
▪️ Rising unsecured personal loans from banks
▪️ Shift from bank deposits → equities & mutual funds
▪️ Physical savings (gold, real estate) showing moderation
🔍 What’s Happening?
➡️ More borrowing
➡️ More risk-taking
➡️ Less net savings
⚠️ Why It Matters (Mains Angle):
▪️ Lower household savings → less funds for investment
▪️ Higher household debt → financial stability risk during shocks
▪️ Signals consumption-led growth, not investment-led growth
📌 Static Link:
Capital Formation | Paradox of Thrift
🎯 UPSC Edge:
🔸 Prelims Trap:
Fall in rate of savings ≠ fall in absolute savings
🔸 Mains Keyword:
Consumption-led vs Investment-led Growth
📝 30-Second Revision:
Household net financial savings hit a 50-year low (5.1% of GDP) due to rising liabilities, impacting long-term investment capacity.

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