The Government of India has announced plans to conduct two key economic surveys on household finances starting from July 2026. These surveys are intended to capture a detailed picture of household indebtedness, asset ownership, and investment patterns across the country.

All-India Debt and Investment Survey (AIDIS)

One of the primary surveys, the All-India Debt and Investment Survey (AIDIS), will provide comprehensive data on the indebtedness of households in both rural and urban areas. This survey will track information such as:

• Types and amounts of household debt including loans from banks, cooperatives, informal sources, and credit societies.

• Patterns of asset ownership, covering land, property, livestock, financial instruments, and durable goods.

• Socioeconomic factors influencing borrowing and savings behavior, including income levels, employment types, and household composition.

The AIDIS is considered critical for policymakers, as it allows for the evaluation of household financial health and exposure to debt, which in turn informs social and fiscal policy decisions.

Second Household Finance Survey

Alongside AIDIS, a second household finance survey will be conducted to assess investment trends, savings behavior, and borrowing across different income groups. This survey aims to provide insights into financial inclusion, access to formal credit, and investment patterns, helping to design targeted interventions for promoting economic stability and growth.

Objectives and Policy Implications

The surveys are expected to:

1. Inform government policy on financial inclusion, rural and urban development, and household welfare programs.

2. Aid economic planning by providing granular data on how households manage debt, savings, and investments.

3. Support research and analysis for macroeconomic decision-making, especially in areas such as credit regulation, social security, and subsidy allocation.

By providing a comprehensive understanding of household finances, these surveys will help the government identify vulnerable sections, monitor financial health, and guide reforms to strengthen household economic resilience.

The surveys will be conducted with methodological rigor, using stratified sampling across states, urban and rural clusters, ensuring accurate and representative data collection. The results are expected to be published in phases, providing periodic insights into the financial conditions of Indian households.

Overall, these initiatives signal the government’s commitment to data-driven policy-making, with a focus on understanding and improving household economic well-being across India.

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