North Zone

Report
On Financial Activities
Introduction
The dataset from a SEBI report offers a detailed overview
of the demographics and financial activities in the North
Zone of India.

It includes geographic details (state, city, district, and

urban/rural classification) and captures respondents'
financial behaviors, including their activity statuses,
savings habits, and investment awareness.

Additionally, it provides insights into respondents'

satisfaction with grievance redressal processes.

This comprehensive data serves as a crucial tool for policy-

making to enhance financial literacy, inclusion, and
consumer protection in the region.
 Female
10%

Gender Ratio
The pie chart illustrates the gender distribution of
respondents in a financial market survey. It reveals a
significant disparity between male and female
participants. Males constitute a dominant 90% of the
total respondents, numbering 8,590 individuals, while
females make up only 10%, with 916 individuals.

This indicates a substantial gender imbalance in the

survey sample, suggesting that males are far more
engaged or represented in this financial market
survey than NORTH ZONE REPORT 2 females. This
skew could affect the survey results and
interpretations, potentially underrepresenting the
perspectives and preferences of female investors. Male
90%

Female Male
AGE DYNAMICS

The graph reveals an interesting trend in

financial market participation.
Age Group
We see the highest participation among those
4000 aged 32-41 (around 39%) and 42-51 (around
3500 37%), with a combined total of nearly 76% of
participants.
3000
2500
This suggests that these middle-aged groups
are the most active in the financial market.
2000
The participation then dips significantly for
1500
younger (22-31) and older (52+) age groups.
1000
While it's possible that these middle-aged
500 groups are inherently more interested in
0 investing, it's also likely that they are at a stage
21-31 32-41 42-51 52-61 62-71 72-81
in life where they have more disposable income
No. of people and are looking to build wealth for the future.
EDUCATION
• The bar chart shows that the largest group among
the surveyed population consists of individuals
More than 15 with 11-15 years of education, totaling 3,832
years
people.

• The second largest group includes those with more

10-15 years than 15 years of education, numbering 2,367
people.

• The next group is made up of people with 8-10

8-10 years
years of education, amounting to 1,990
individuals.

• A smaller segment of the population, 1,006

people, have completed 1-7 years of education.
1-7 years

• The smallest group comprises 311 people who are

illiterate, indicating no formal education.
Illiterate
• This distribution suggests that a significant portion
of the surveyed population has achieved
0 500 1000 1500 2000 2500 3000 3500 4000 4500 secondary or higher education, while a smaller
portion has limited or no formal education.
OCCUPATION • The data covers the professional lives of nearly 9,000
people.

• Occupations are divided into service and non-service

sectors.

• Service jobs are further divided into private and

government sectors.

Series 1 • Non-service jobs include agriculture, business

ownership, and retirement.
4000
3528
3500 • Service industries dominate the sample.
3000
2386 • The Private Service sector has the most significant
2500
presence with 3,528 individuals.
2000 1645 1643
1500 • This suggests many jobs in healthcare, retail, or
1000 customer service.
500 142 131 31
0 • Business (Shop Owner) follows closely with 1,645
Business Other Retired individuals, indicating a strong entrepreneurial spirit.
(Shop) business
Owner
• Only 142 people work in agriculture, suggesting a
Series 1 shrinking agricultural workforce.

• 131 individuals are retired, representing a small portion

of the sample.
HOUSEHOLD INCOME
AND SAVINGS
The bar chart reveals how people save across
different income levels.

Middle-Income Group (₹50,000 - ₹1 lakh):

Chart Title Most save less than 40% of their annual income
3000 due to higher living costs.
2500
High-Income Group (₹1 lakh and above):
2000
They also save less than 40%, reflecting higher
1500 spending and investments.
1000
Low-Income Group (Below ₹20,000):
500
Many save over 60%, driven by necessity and
0 frugality, despite lower earnings.
>20,000 20,000-50,000 50,000-100,000 100,000<

> than 40% of your annual income

40%-60% of your annual income In summary, while higher income allows for more
<60% of your annual income spending, lower income groups prioritize saving to
1 Lakh< ensure financial security.
INCOME AND DEBT
OF HOUSEHOLDS
The chart shows debt levels as a percentage of annual
income across different income brackets.

Chart Title • General Trend: Most individuals keep their debt below 40% of their
annual income, indicating a cautious approach to debt
management.
2500
• Middle-Income Group (₹50,000 - ₹1 lakh): This group has the
2000 most households with debt levels below 40%, likely due to better
2000
access to financial resources and debt management education.
1500 1700
• High-Income Group (₹1 lakh and above): While generally
1000 maintaining low debt levels, some households have moderate debt
1100 1100 (40% to 60%), reflecting their ability to handle more debt due to

500 750800 greater income stability.

600
400 480
300 • Low-Income Group (Below ₹20,000): Many households here
0 200 have debt exceeding 60% of their income, indicating higher
100
>20,000 20,000-50,000 50,000- 100,000< financial vulnerability and limited access to affordable credit.
100,000
Overall, there is a conservative approach to debt across all income
<40% of ypur annual income >60% of your annual income
levels, but lower-income households face greater financial strain,
40-60% of your annual income highlighting the need for targeted financial education and support to
manage and reduce debt effectively.
FINANCIAL BEHAVIOUR OF HOUSEHOLDS

No. of investors
No. of investors

B a nk de po sist 9171
C o m m o n d i ti e s- Fu tu r e s 1663
R e a l E sta te 4990
Pr e c i o u s Me ta l s 6217
C o m p a n y d e p o si sts 1655
P o s t o ffi c e s a v i n g s c h e m e s 6797
L ife Insur a nc e 7937
Pe n si o n S c h e m e s 4569
MF/SIP 3468
E q u i ty/ S to c k/ S h a r e s 3491
D e r i va ti ve s 1724
D e b e n tu r e s/ B o n d s 1861
0 1000 2000 3000 4000 5000 6000 7000 8000 9000 10000
FINANCIAL BEHAVIOUR OF
HOUSEHOLDS
Most Popular Investments:
• Bank Deposits: 9,171 investors prefer them for their low-risk and easy access.
• Life Insurance: 7,937 investors choose it for long-term security and investment potential.

Moderately Popular Investments:

• Post Office Savings Schemes: 6,797 investors favor these for their safety and guaranteed
returns.
• Precious Metals: 6,217 investors value them as stable stores of value.
• Real Estate: 4,990 investors opt for its potential for capital appreciation and rental income.

Least Popular Investments:

• Debentures and Bonds: 1,861 investors, due to perceived lower returns and complexity.
• Derivatives: 1,724 investors, reflecting their higher risk and complexity.

Investors generally prefer safer, more traditional options, with a significant aversion to high-risk,
complex instruments.
INVESTMENT BEHAVIOUR
Avg. Distribution of
ABOUT VARIOUS an income of Rs.
INVESTMENT OPTIONS 1000000 in various
• 46% of the income is allocated to bank deposits, showing a strong preference for low-risk, liquid instruments
assets.
Pen- Equity/
• 13.5% is invested in real estate, indicating a long-term view towards capital appreciation and rental sion Stocks/ Debentures/
income. Sche Life Shares Derivatives Bonds
MF/SIP
mes in-
• 12.5% goes to commodities futures, reflecting some willingness to engage in speculative suran
investments.
ce
• 10% is directed towards precious metals, emphasizing traditional wealth preservation.
Post
office
• 7% is spent on life insurance, focusing on financial protection and long-term security.
schem
es Bank deposits
• 2.5% is invested in mutual funds/SIPs and another 2.5% in equities, showing cautious interest in
higher-risk assets.
Com
pany
de-
• 2% goes into post office savings schemes, indicating a preference for government-backed, low-risk
options.
posits
Others
• 1.5% is allocated to pension schemes, demonstrating moderate interest in retirement planning. Real Estate
Pre-
cious
• 1% is in company deposits, and only 0.5% each in derivatives and debentures/bonds, Commodities
Metals
suggesting minimal exposure to these instruments.

• Overall, there is a clear preference for stability and low-risk investments, with a balanced approach to
diversification.