80% of residents in the Volga region keep their money in deposits: a survey showed who saves and how much.
Key figures: who and how much is saving
According to a study, 80% of residents in the Volga Federal District keep their funds in bank deposits or savings accounts. At the same time, 70% of respondents have not withdrawn money from deposits in the last six months, confirming the resilience of the savings model.
In 2026, most residents of the Volga region continue to systematically build up savings:
27% save 5–10% of their monthly income; 29% save 10–20%; 12% save 20–30% of their earnings.
Half of the respondents maintained their savings share at last year's level, while 9% started saving more than in 2025.
What savings are spent on
Among those who withdrew money from their accounts, the most significant portion was for housing purposes: 22% of respondents withdrew funds specifically for purchasing housing or making a mortgage payment. One in three respondents plans to direct their savings towards these goals in the next six months to a year.
The structure of savings is changing
Analysts are noting a gradual transformation in the structure of savings:
31% of respondents increased the share of funds in savings accounts; one-fifth in term deposits; 11% of respondents increased the share of investment instruments; another 9% in gold investments.
This indicates a gradual shift in interest towards more diversified strategies. At the same time, a third of respondents have not changed their savings model since the beginning of 2025, reports udm-info.ru.
What this means for residents of Kirov
The Kirov region is part of the Volga Federal District, so this data directly reflects local trends. Residents of the region, like their neighbors in the district, prefer reliable banking instruments but are increasingly considering diversification—savings accounts, deposits, investments, and precious metals.
Experts note that this behavior model indicates financial literacy and long-term planning. The growing interest in investments and gold may indicate a desire to protect savings from inflation and currency fluctuations.
The key is to maintain a balance between reliability and profitability, as well as to regularly review one’s strategy in light of changing economic conditions.
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80% of residents in the Volga region keep their money in deposits: a survey showed who saves and how much.
Most residents of the Volga Federal District, including the Kirov region, prefer bank deposits and savings accounts for storing their savings. This data was obtained from a survey conducted among 1,500 residents of major cities in Russia. The results show a stable saving model and a gradual shift towards more diversified strategies.