Domestic saving accrue from three sectors viz. (i) government or public sector, (ii) private corporate sector, and (iii) the household sector. The public sector includes government administration, departmental undertakings, government companies and statutory corporations. The private corporate sector comprise non-governmental non-financial corporate enterprises. The rest is termed household sector. Thus, the household sector, being residual in character, includes a host of economic agents who engage in production/consumption activity.

Among the three sectors, as in most other countries, the household sector in India too contributes the bulk - more than two-third of the total savings. The government sector and the corporate sector contribute the balance i.e. about one-third of total saving in the country.