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DTSTART:20250101T000000
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DTSTART;TZID=Asia/Kolkata:20261118T153000
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SUMMARY:Identifying Hand-to-Mouth Households in India
DESCRIPTION:The Department of Economics\, SRM University–AP\, invites faculty members\, researchers\, scholars\, and students to the November edition of the SRMAP Economics Virtual Seminar Series. \nThe session will feature Dr Aditi Singh\, Assistant Professor\, Centre for Advanced Financial Research and Learning (CAFRAL). The seminar will explore the identification of hand-to-mouth households in India\, with a focus on understanding household financial circumstances\, consumption behaviour\, and access to liquid financial resources. \nThe discussion will offer valuable insights into household financial vulnerability and the economic factors that influence financial decision-making and consumption patterns. \nSpeaker: Dr Aditi Singh\, Assistant Professor\, Centre for Advanced Financial Research and Learning (CAFRAL)\nTitle: Identifying Hand-to-Mouth Households in India\nDate: November 18\, 2026\nTime: 3:45 PM – 5:00 PM\nMode: Online via Zoom \nAbstract: Like most emerging economies\, India has no dataset that jointly observes household income\, consumption\, and wealth. We harmonize two datasets to create the first ever full balance sheet of Indian households. We then classify households into whether they are financially constrained or not\, and find that roughly half of Indian households are wealthy hand-to-mouth\, holding substantial wealth in land and gold but too little liquidity to cover even half a month of income. This classification hinges crucially on whether gold counts as liquid or illquid. The usability of this wealth\, not only its amount\, shapes monetary transmission. Four months after a contractionary surprise\, poor hand-to-mouth households cut consumption 0.17 log points more than wealthy ones; by month seven\, wealthy households without potential gold collateral cut consumption 0.79 log points more than those with it\, a collateral margin with no counterpart in the mortgage channels of advanced economies. Counting only the poor hand-to-mouth as constrained would therefore miss most of the households that respond as if constrained: those whose wealth sits in land and in gold too small to pledge. \nThe seminar will provide a platform for participants to engage with contemporary research in household finance and deepen their understanding of financial behaviour in the Indian context.
URL:https://events.srmap.edu.in/event/identifying-hand-to-mouth-households-in-india/
LOCATION:Zoom
CATEGORIES:Departmental Events,Economics Events,Events,Virtual Seminar Series,Webinars
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