The age-wise picture shows that bank deposits held by individuals are heavily concentrated among those above 40. Younger workers contribute a smaller share. The supplied report does not give a detailed breakdown for other age groups or explain the reasons behind this difference.

Term deposits recorded significant growth, moving ahead of both savings and current accounts. Deposits worth at least ₹1 crore also made up a sizeable portion. However, the report does not state their exact share, the growth rate for each deposit category or the period covered by the figures.

On the lending side, bank credit growth picked up, with loans to the corporate sector driving the acceleration. The report does not provide a numerical growth rate or a detailed split across other borrower categories. These lending figures are a separate part of the banking picture from the age profile of individual deposit holders.

The key distinction is that the 76% figure applies to deposits belonging to individuals, rather than to all bank deposits. The report also does not establish whether the large deposits mentioned were mainly held by customers above 40.