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Rural households have access to banking and have savings but investment levels and pension and insurance coverage remain very low, a financial inclusion survey conducted by the NABARD (National Bank for Agriculture and Rural Development) showed. At the same time, levels of indebtedness were high and nearly equalled annual incomes, according to the National Financial Inclusion Survey 2016-17. The first-of-its-kind survey showed that among rural households, agri households earned more than non-agricultural ones. The annual income of rural households was Rs 96,708. Of this, while average annual income of agricultural households was Rs 107,172, that of non-agricultural households was Rs 87,228.