National Savings Rate

The Hindu Business Line  Nov 9  Comment 
Government is likely to reduce the interest rates on small savings schemes by the end of this month with a view to aligning them with the market rates. “The government will take a decisio...
The Times of India  Sep 29  Comment 
The government on Tuesday said it will review the framework to fix interest rates for small savings schemes such as public provident fund and post office deposits.
The Hindu Business Line  Sep 9  Comment 
Has cost of deposit mobilisation been static for all banks, asks Kishori Udeshi  Apr 23  Comment 
Plus, why it’s best to buy your holiday euros now and where to put your pension savings to earn a decent income Hello and welcome to this week’s Money Talks – a roundup of the week’s biggest stories and some things you may have missed. ...
MarketWatch  Mar 30  Comment 
Savings rate climbs to 5.8%, highest level since the end of 2012
BBC News  Mar 9  Comment 
Britons are managing to save more money than at any time in the last decade, according to National Savings and Investments (NS&I).
BBC News  Jan 23  Comment 
Can things get any worse for beleaguered savers?
BBC News  Dec 26  Comment 
New data from Japan shows the challenges for Prime Minister Shinzo Abe as he seeks to revive the world’s third-largest economy.


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National Savings Rate is the percentage of GDP that is saved by households across a country. Household saving is one of the primary sources of capital investment in the country. Thus, this rate can be used as an indicator for long term economic growth.

Household Savings Rate for developed nations
Household Savings Rate for developed nations[1]

The graph above shows the historical trend in savings rate in developed countries. The differences in the rates occur due to the age of the working population, the amount of old age pension and insurance provided by the government. The age of the population is significant because the older and retired use their savings more than the younger, working population. Moreover old age pension and insurance provided by the state allows the population to spend rather than save more.

The Bureau of Economic Analysis publishes the Personal Savings rate as a National Economic Indicator on a quarterly basis.

Personal Savings Rate in the US
Personal Savings Rate in the US[2]


  1. Household saving rates for selected countries
  2. Bureau of Economic Analysis
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