Comparative Analysis of Banks and Mutual Funds in Channeling Household Savings into Financial Markets in India (2015–2025)

Author(s)	Ms. Divya Jyoti Patowari
Country	India
Abstract	Household savings form the foundation of domestic investments and economic growth particularly in the emerging economies such as India. The share of household sector in national savings is traditionally in India the largest - about 60 percent over the past years - and thus the mobilization of these savings is especially important. Banks and mutual funds are two different channels of directing the household savings into the financial system. The most common channel has been the banks: households put money with banks in savings accounts and fixed deposits and then the banks lend the money to businesses and consumers, thus, indirectly investing. Safety and liquidity is also guaranteed to the savers because they can get assured returns and the freedom to access deposits at the time they require them, given the presence of the banks. Mutual funds, in their turn, combine household investments and buy stocks, bonds and other securities and directly relate household savings to capital markets.
Field	Mathematics > Economy / Commerce
Published In	Volume 8, Issue 1, January-February 2026
Published On	2026-02-10

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