66
• The per capita annual income calculated works out to be Rs. 2,10,750 for Ropar, Rs.2,00,250 for
Mohali, and Rs.2,25,750 for Patiala. The overall per capita income works out to be Rs.2,11,833.33.
• The literacy level affects the per capita income of respondents. Graduates have the highest per capita
income i.e. Rs 311666 followed by Sr. Secondary passouts with Rs 291279 per capita income. School
Dropouts have the least per capita income as Rs 174172 only.
• The average land holding per person in Ropar works out to be 3.47 acres. It was found to be 3.66
acres in Mohali and 4.87 acres in Patiala. The number of people holding land is the highest in Ropar
followed by Patiala. But the average land holding is higher in Patiala than Ropar indicating that
fewer people in Patiala have more land than more people in Ropar.
• Self employed respondents have the highest per capita income i.e. Rs 244696, followed by respondents
doing agriculture (Rs 223125). Least per capita income was of landless labourers (Rs 121296).
• Maximum percentage of respondent saves between 0-5% of their earnings in Ropar (60%) and
Mohali (51%). In Patiala, maximum respondents (42%) save between 5-10% of their earnings. The
overall picture shows that 50% respondents save only 0-5% of their earnings and only 4.33% save
more than 15% of their earnings.
• The per capita savings are calculated using weighted average method. The highest per capita savings
are in Patiala i.e. Rs.25,679.06 followed by Mohali with Rs.13,266.56. Ropar has the least amount
of per capita savings being done i.e. Rs.11,327.81. The overall per capita savings works out to be
Rs.13,327.84.
• The average number of bank accounts is highest in Patiala i.e. 1.45. It is lowest in Ropar i.e. 1.3. The
overall picture shows average number of bank accounts as 1.36 in the 3 districts.
• 5 respondents in Ropar, 5 in Mohali and 2 in Patiala have no bank accounts. The reason for having no
account is low level of literacy in 10 cases and tedious procedure for opening bank accounts in 2 cases.
• The per capita income and per capita savings are linked to average number of bank accounts. Patiala
has the highest per capita income and per capita savings and thus the highest average number of
bank accounts too (1.45). Mohali, having the lowest per capita income still shows higher savings
than Ropar and has higher average number of bank accounts than Ropar.
• Ropar has the largest number of PACS members and KCC holders (68) followed by Patiala (63)
and last Mohali (4). The average loan outstanding on KCC card works out to be highest in Patiala
i.e. Rs.97,656.82, followed by Ropar (Rs.56,933.82) and then Mohali (Rs.52,500). The average
loan outstanding per acre of land is highest for Patiala i.e. Rs.20,052.73.The lowest average loan
outstanding per acre of land is of Mohali i.e. Rs.14,344.26.
• The average number of transactions done in a month is highest for Patiala i.e. 3.08 followed by
Ropar (2.96) and then Mohali (2.32).
• The relation between average number of bank accounts and average number of transactions done
in the 3 districts shows that Patiala has the highest average number of bank accounts and highest
