The share of household deposits in India’s banking system declined to 59.3% in FY26 from 63.2% in FY19, reflecting a structural shift in deposit composition as institutional deposits gain ground, according to a report by Crisil Intelligence. While households remain the largest contributor to the banking system’s deposit base, the report said that financial and non-financial corporations have steadily increased their share of deposits. The combined share of these segments rose to 26.3% in FY26 from 20.5% in FY19, indicating a gradual diversification of banks’ funding sources.