India to conduct All-India Debt & Investment Surveys from July 2026 on household finances

Noor Mohmmed

    13/Sep/2025

  • The All-India Debt and Investment Survey will track household indebtedness and asset ownership in both rural and urban areas.

  • These surveys aim to provide critical insights into household financial health and economic behaviour.

  • Results will inform policy-making, helping the government plan interventions to strengthen household finances and debt management.

The Government of India has announced that it will conduct two major economic surveys on household finances starting from July 2026, aimed at collecting comprehensive data on household debt, assets, and overall financial health. The All-India Debt and Investment Survey (AIDIS) is expected to provide critical insights into the financial behaviour of households across the country, covering both rural and urban areas.

The surveys will measure household indebtedness, borrowing patterns, types of loans taken, and asset ownership, which include land, vehicles, savings, and other financial instruments. By gathering these details, policymakers will gain a better understanding of financial vulnerabilities and resource distribution among Indian households.

Experts note that such surveys are essential to evaluate the impact of government schemes, monitor the growth of household debt, and assess economic disparities between rural and urban populations. The surveys will also provide data on informal lending practices, which are prevalent in certain regions of India, giving a clearer picture of financial inclusion challenges.

The government expects the findings to help shape future policies, including those related to credit access, rural development, social security measures, and financial literacy programs. By using survey data, authorities aim to target interventions more effectively, ensuring households are better equipped to manage debt and improve financial resilience.

With the increasing complexity of household finances in India, the upcoming surveys will serve as a vital tool for evidence-based economic planning. Analysts suggest that the survey results could also be used by financial institutions, researchers, and policymakers to study trends in borrowing, asset accumulation, and household wealth distribution over time.

The All-India Debt and Investment Survey 2026 represents a significant step toward understanding the financial realities of Indian households, providing the data necessary to strengthen economic planning and financial governance across the country.


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