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NRI Online 2006




Indian Connectedness of
       Online NRI
© Copy Right JuxtConsult
Table of Content
NRI Online 2006 ........................................................... 1
Methodology ............................................................... 3
Executive Summary ...................................................... 5



Detailed Findings:
Non Residential Status ..................................................10
Half the online NRI are South Indians in origin .....................12
Online NRI are largely mature males .................................15
Only 1 in 5 west-based online NRI is a ‘techie’.....................19
West-based online NRI are economically better off ...............22
Gulf-based online NRI are more connected with India ............24
West-based NRI are more 'online' .....................................45
Gulf NRI access Internet more from office, west ones more from
homes .....................................................................48
Both surf for Indian content almost equally ........................52
Politics and economy are the most surfed Indian content........54
Gulf ones buy from Indian websites relatively more...............55
Website Preferences for Indian Content.............................59
Offline media preferences for Indian content ......................74



Index.......................................................................78
NRI Online 2006




      NRI Online 2006
      The Indian Diaspora is spread across the world ranging from those in the
      economic superpowers to those in the countries that have just fledgling
      economies. No matter where they may be living, most Non-resident
      Indians (NRI) would like to stay connected with their homeland in some
      or the other way.

      This desire among the NRI to stay connected with India translates into
      making them a very ‘high purchasing power’ consumer segment base
      for most Indian marketers. Whether it is traveling, real estate, financial
      savings and investments, jewelry, handicrafts, food items or herbal
      products, NRI or their relatives back home form a significant part of the
      ‘high value’ Indian consumption.

      In the last few years Internet has emerged as one of the important
      mediums for the Non-resident Indians to stay connected with India. NRI
      are increasingly using the Internet to communicate with people back
      home, and to maintain the economic, social, political and philanthropic
      networks with the Indian homeland. Yet there is very little information
      available on the online connectivity of the NRI with India.

      To fill this yawning information gap, JuxtConsult, in addition to its
      annual study on online Indians, decided to track the online NRI as well
      on an annual basis. This years study, titled the NRI Online 2006
      attempts to not only understand the overall connectivity of NRI with
      India but also the role Internet is playing in facilitating it.

      The findings of the NRI Online 2006 report from JuxtConsult are based
      on an online survey conducted with the NRI Diaspora living in various
      parts of the world.

      The objective of the study was not to measure how many NRI are online
      or what proportion come from which regions. It was essentially to check
      their status and preferences in staying connected with India and their
      online behavior in doing so.

      However, the study does highlight the demographic and economic
      profile of the online NRI, along with their preferred ways to stay
      connected with India in both online and offline modes.

      To make the report even more meaningful for Indian marketers, the NRI
      Diaspora have been grouped into 2 main clusters – Gulf-based NRI and
      West-based NRI. This has been done to capture the two ‘distinct’ and
      really big NRI markets and compare and contrast their motivations and
      usage of Internet to stay connected with India.




                                                                              1
NRI Online 2006



      Key Information Areas Covered
          Demographic and Economic profile (current region of residence,
          visa status, gender, age, occupation, family size, monthly
          household income in US$, vehicle ownership, city of origin in India,
          native language)
          Physical connectivity with India (frequency of travel to India for
          personal and professional reasons, visit individually or with family)
          Communicational connectivity with India (frequency of calling and
          emailing India for personal and professional reasons)
          Informational connectivity (preferred medium to stay connected
          with India, frequency of usage of media channels and preferred
          brands/websites to do so –TV, Newspaper, Internet, content areas
          sought/checked more)
          Emotional Connectivity (motivation to stay connected with India,
          Indian role models)
          Financial Connectivity (key financial assets in India, likely financial
          investments, frequency and preferred modes of financial
          remittance to India)
          Online connectivity

              Net Usage Dynamics like years of experience in using Internet,
              place of regular access, frequency of usage from home and
              office, type of connection a home, average time spent on the
              net at home or office, etc.
              Website preferences for surfing Indian content like checking
              news and events in India, online shopping for Indian products,
              booking travel tickets to India, checking real estate info from
              India, job search in India, general info search about India,
              matrimonial search, seeking friendships in India, check Indian
              cinema, sports, music and fashion contents, etc.
              Online Buying from Indian Websites like frequency of buying
              from these websites, products bought along with average
              monthly spends, etc.




                                                                               2
NRI Online 2006




      Methodology
      The task of conducting an online survey among the Indian Diaspora
      spread across the world appeared a tough challenge to begin with. How
      does one effectively reach all these widely spread out NRI in different
      countries? Which online vehicles or websites do we consider to be able
      to reach them noticeably, cast the net wide enough and yet do so in a
      cost-efficient manner? How does one ensure that the responses
      collected are representative of the online NRI across different regions
      of the globe and not reflect just one particular section of NRI in a
      biased way?

      After a lot of brainstorming on the possible methods to conduct this
      online survey, and after considering the pros and cons of these methods
      in line with out prior experience of conducting such online surveys over
      last 2 years, we zeroed down on using the ‘contextual search ad’ based
      survey campaign with Google AdWords. The final choice was a result of
      two critical advantages the vehicle had in case of this survey:

          Google AdWords allowed us to undertake a ‘geographically
          targeted’ campaign by which we could reach and cover all the key
          regions of the world specifically and using just one online vehicle,
          rather than having to go with a big bouquet of websites targeting
          NRI.
          As generic info search is done by almost by all netizens no matter
          who they are and from where they access the net, using this vehicle
          would really help us cast an unbiased and a wide enough net on the
          world-wide-web to capture the NRI population no matter where
          they are based.

      Accordingly, an online survey was conducted between May-June 2006
      among the NRI from the various parts of the world.

      The survey was conducted using an online questionnaire segmented into
      two sections. The questionnaire was pre-tested and timed to take
      approximately 15-20 minutes for a respondent to complete depending
      on the speed of comprehension and answering of the questions. The
      questionnaire was structured and designed to reduce the level of
      ‘respondent fatigue’ to an extent that was practically possible.

      In the online questionnaire, a response format of ‘clicking’ a single or
      multiple options among the various given options was used for most
      questions. For each of these questions it was also possible for a
      respondent to answer ‘none’ or ‘any other’. However, wherever the
      respondents were asked to give preferences for websites or brand
      names, only a text box was provided for them to type the name on
      their own (or type ‘none’ if not applicable). This was done to ensure
      that all such recall and preference responses were solicited
      ‘unprompted’.

      Further, to enlist complete and sincere responses, an incentive of a
      significant cash prize was also announced for one selected respondent
      to be given at the end of the survey.
                                                                            3
NRI Online 2006




      Over 1,630 completed, As the final usable sample collected from the 3
      cluster groups of online NRI were different, to ensure that the overall
      online NRI level information is not biased towards any one specific NRI
      cluster group, the different sample bases of the 3 groups of online NRI
      were equalized using response level weights. Unduplicated and usable
      responses were collected on the India connectedness of the online NRI.
      Of these about 1,000 NRI also reported their net usage & preference
      details.

      The net result was the compilation of the latest, highly authentic
      information on the online connectedness, Internet habits and website
      preferences of online NRI. This information was then used for making
      ‘insightful’ analysis and conclusions as contained in the NRI Online 2006
      report.

      To make the report more meaningful for Indian marketers targeting
      NRI, the NRI have been grouped into 2 main clusters – gulf-based NRI
      and the western countries based NRI (west-based NRI). This ensured
      that we not only capture the two ‘distinct’ and really big NRI markets
      but also compare and contrast their motivations and usage of Internet
      to stay connected with India.

      The final NRI groups with their sample bases used in the report are as
      follows:

                             Table 1: Sample Distribution

     NRI Groups                      Country/Region of Current Location       Sample Base
                           US, Canada, Central America, Western Europe,
     West based NRI                                                                  502
                                                               Australia

     Gulf based NRI                                            Middle East           859

                       South Asia, South East Asia, Eastern Europe, Africa,
     Other NRI                                                                       270
                                                             South America

     Total NRI                                                                      1631




                                                                                       4
NRI Online 2006




      Executive Summary
      ‘Family connection’ is largely what keeps online NRI hooked to
      India
      By and large two-thirds of the NRI, irrespective of whether they are
      based in gulf or in the more developed parts of the world feel that
      what binds them to India is their ‘family’ back home. Gulf ones
      highlight family connection somewhat more at 72% as against 63% of
      west-based ones.

      In fact, only about 1 in 4 online NRI feels connected to India because of
      patriotic feelings for the home country or towards its culture and
      heritage. West-based ones do so marginally more at 24% than gulf-
      based ones at 19%.


      Gulf-based online NRI are more connected with India
      The gulf-based online NRI not only show higher physical, financial and
      communicational connectivity with India but higher informational and
      entertainment-related connectivity as well.

          Gulf-based online NRI travels to India more frequently for both
          personal and professional reasons. 80% of them claim to travel to
          India at least once in 3 months for personal reasons. In comparison,
          only 54% of west-based NRI claim to travel to India for personal
          reasons that frequently.
          Gulf-based online NRI also call their family and friends in India
          more. 92% of them call India at least once a week for personal
          reasons (80% of west-based NRI also do so).
          Gulf-based online NRI email also relatively more frequently for
          personal reasons. One in 2 out of them (49%) corresponds with
          people back home on email every day. In comparison, 41% of west-
          based online NRI email people back home everyday.
          Gulf-based online NRI remit money to India more frequently. 9 out
          of 10 online NRI based in the gulf (87%) remit money to India at
          least once a month. In comparison, only 1 in 2 west-based NRI (47%)
          remits money to India at least once a month.
          Compared to the west-based NRI they also check information about
          India more, though they do so relatively more using the ‘offline’
          mediums.

      West-based online NRI connect more online
      Between the two NRI groups, the west-based online NRI rely on Internet
      relatively more to stay connected with happenings in India. While 2 out
      of 3 west-based online NRI (64%) prefer to stay updated with
      happenings in India online, only about 1 in 3 gulf-based online NRI (39%)
      prefers to do so. In fact, a higher proportion of gulf-based online NRI
      (48%) prefer to update themselves about Indian happening through the
      electronic media (TV largely). Only 1 in 5 west-based NRI (19%) prefers
      electronic media to check happening about India.

                                                                             5
NRI Online 2006




      It is not that the gulf-based ones surf the net less regularly than the
      west-based ones to check Indian content, it is just that they use the
      offline mediums significantly more to watch or read about India.


      Both groups keep a keen eye on India’s economic progress
      By and large online NRI are more interested in ‘economic progress’ and
      ‘political stability’ of the country (India) than anything else.
      Interestingly, this is in quite in variance to what generally online
      Indians in India are interested in. Compared to the online NRI, the
      online Indians show far greater interest in entertainment content
      (sports, cinema, lifestyle, etc.) And far less in the economic progress
      and political developments in the country.

      This contrast is also reflected in the Indian role models that online NRI
      have as compared to the online Indians. While online Indians see
      business, sports and cinema celebrities like Amitabh Bachchan,
      Dhirubahi Ambani, Sachin Tendulkar or Shah Rukh Khan as the relatively
      bigger role models in their lives (apart from their parents), the online
      NRI look up to APJ Abdul Kalam, Mahatma Gandhi and Manmohan Singh
      as bigger role models than these celebrities.

      Between the two online NRI groups, while the gulf-based ones seek
      economic progress and sports content relatively more, the west-based
      ones seek cinema, fashion and religion/spirituality content relatively
      more.


      Online NRI show high level of keenness to invest in India
      Despite very high current ownership of assets in India, a significant
      proportion of online NRI would like to invest further in India, especially
      in the physical assets.

      Though 2 out of 3 online NRI already have bank accounts and houses
      back in India, almost half the online NRI would still like to invest in a
      house or land in India in the near future. In comparison only around 1 in
      4 online NRI would like to invest in financial assets.

      Amongst the two groups of online NRI, the gulf-based ones not only
      show relatively higher current ownership of both physical and financial
      assets in India, but are also the ones who show relatively higher
      propensity to make further investments in shares and deposits in India
      as compared to the west-based ones. The west-based ones show a
      relatively higher propensity for opening bank accounts in India.


      Gulf ones prefer to remit money more through the banking
      channels
      Contrary to the popular perception, when it comes to the mode of
      remitting the money to India, it is the gulf-based online NRI who trust
      the banking modes of transferring funds to India relatively more (both
      online and offline). While only 2 out of 3 west-based online NRI (65%)
      prefer to remit money through online or offline bank based transfers or
      transactions, a significantly higher 80% gulf-based online NRI rely on

                                                                              6
NRI Online 2006



      such modes of transfer. This higher preference for banking modes by
      the gulf-based online NRI may have something to do with the fact that
      they remit money to India more frequently.


      West-based NRI are generally the heavier users of the net, but
      not the heavier users of Indian content on the net
      Not only a noticeably higher proportion of west-based online NRI access
      the net several times a day but also significantly more of them use the
      net for more than 2 hours a day from home.

      However, when it comes to the usage of Indian content online at home,
      almost 20% of each of the west-based and gulf-based online NRI who
      use the Internet for more than 2 hours a day, also uses the Internet to
      check Indian content for more than 2 hours a day.

      The story is no different for usage of Indian content from the offices as
      well. The gulf-based online NRI are almost as heavy users of the net
      from office as the west-based ones, and they check Indian content from
      office somewhat more heavily than the west-based ones.


      For entertainment, online NRI connect with Indian music the
      most
      In terms of connectivity with Indian ‘entertainment’, online NRI listen
      to Indian music the most regularly. Three out of 4 online NRI (75%)
      listens to Indian music everyday. In comparison, only 35% watch Indian
      movie everyday, 36% watch Indian sports everyday and 17% check Indian
      fashion everyday.

      The gulf-based online NRI follow the Indian sports content significantly
      more regularly. At the same time, the gulf-based online NRI follow
      Indian movies, music and fashion also somewhat more regularly than
      the west-based NRI.


      Online NRI are largely mature males
      Only 1 in 5 online NRI (19%) is a woman. This is noticeably lower than
      the proportion women form among online Indians in India (25%).
      However, this is largely because women form only 12% of gulf-based
      online NRI. Among the west-based online NRI women form 28% of the
      online population.

      Online NRI are also significantly older in age than online Indians in
      India. While two-third of the online Indians in India (70%) are below 30
      years of age, only about one-third online NRI (39%) are below 30 years
      in age.


      Half the online NRI are South Indians in origin
      Almost every second online Indian is from South India (54%). North India
      origin NRI come next at 23%, followed by western regions ones at 19%.

      This dominance of NRI from South India among the online NRI is because
      of their very heavy presence in Gulf, where every 2 out of 3 online NRI

                                                                             7
NRI Online 2006



      is of South Indian origin. At the same time however, 1 in every 3 west-
      based online NRI is also from South India (36%).


      Only 1 in 5 west-based online NRI is a ‘Techie’
      Though west-based online NRI come relatively more from the IT sector
      (21%) in comparison to the gulf-based ones (11%), still only 1 in 5 west-
      based online NRI is a ‘techie’. This is contrary to the popular
      perception that almost assumes every second online NRI from the
      developed countries to be an IT professional.


      An equal proportion of gulf-based online NRI are professionally
      qualified
      Though west-based online NRI have higher levels of educations (36% of
      them being post-graduate or above, against 17% gulf-based ones),
      proportionately as many online NRI from gulf are professionally
      qualified as from the western countries. Only 1 in 5 online NRI has a
      professional education/qualification, irrespective of whether they are
      west-based or gulf-based.

      However, gulf-based online NRI work significantly more in the corporate
      sector. Two out of 3 of them work as corporate employees of various
      levels. In comparison, only 1 in 3 west-based online NRI works as a
      corporate employee. In fact, 40% of west-based online NRI come under
      unemployed/semi-employed categories (students, housewives, and
      unspecified others).


      But gulf-based online NRI have significantly lower incomes
      Almost 40% of west-based online NRI have monthly family incomes of
      over US$ 5,000. In comparison, only 14% gulf-based NRI have such high
      level of incomes. In fact, almost half of gulf-based online NRI have
      monthly incomes of less than US$ 2,000. Similarly, while 3 out of 4
      west-based online NRI own a car, only 1 in 2 gulf-based online NRI own
      a car. In all about 58% of online NRI own a car, almost double the
      proportion of what online Indians in India own (27%).

      In sum, by and large the online NRI are highly connected with India,
      both because of their strong ‘family linkages’ back home as well as
      their high levels of concern about the ‘progress’ of their homeland. In
      this, the gulf-based online NRI are noticeably more linked to India than
      the west-based ones and understandably so.

      The gulf-based online NRI are significantly more the ‘bread earners’ of
      their families back home. Accordingly their stakes and involvement
      levels are higher, both emotionally and financially. Further, they are
      much closer to India both in time and distance. The perceived
      ‘proximity’ also makes them connect with the homeland with more
      regularity, be it connecting physically, in communication, or in seeking
      information and entertainment content about India.

      Though the west-based online NRI prefer to stay connected with India
      using the Internet relatively more, and may be classified as the more
      ‘online NRI’ per se, in effect they connect with India on the net only as
      regularly as the gulf ones do.
                                                                             8
NRI Online 2006




      Detailed Findings

                          9
NRI Online 2006




      Non Residential
      Status
      Region of residence
      In this report, the online NRI have been grouped into 2 main clusters -
      gulf country based NRI and western countries based NRI. This has been
      done to capture the two ‘distinct’ and really big NRI markets and
      compare and contrast their motivations and usage of Internet to stay
      connected with India.

      The final NRI groups with their sample bases as reported are:
         West-based NRI – US, Canada, Central America, Western Europe,
         Australia (Sample base – 502)
         Gulf-based NRI - Middle East (Sample base – 859)
         Other NRI – South & South East Asia, Eastern Europe, Africa, South
         America (Sample base – 270)

      To report unbiased findings at the overall NRI level, the different
      sample bases of the 3 groups of NRI were equalized using response level
      weights.

                    Chart 1: Region of Current or Permanent Residence

         100%                                               2%   Eastern Europe/ Russia
                                           6%       2%
                       7%
                                                         4% 2%
                       7%                 13%            6%      Central, South America/
          80%                                            7%      M exico/ Caribbean
                      17%
                                          21%                    Australia/New Zealand
                                                         20%
          60%
                                                                 South East Asia/ Japan/
                               100%                              China
                                                         23%
                                                                 Western, Southern
          40%
                      70%                                        Europe/ Scandinavia
                                          60%
                                                                 Africa/ South Africa
          20%
                                                         33%
                                                                 South Asia

           0%                                                    North America/ Canada
                     West-      Gulf-   Other NRI    All NRI
                     Based     Based                             M iddle East
                      NRI       NRI

      Base: 1,631




                                                                                10
NRI Online 2006



      Visa status
      While almost 9 out of 10 gulf-based online NRI (86%) have resident visas
      with work permit, only 1 in 4 west-based online NRI is has a resident
      visa with work permit. This difference is largely because almost 1 in 2
      online NRI from the western countries (52%) has already acquired a
      local citizen or has a special residential status like green card.

                                    Chart 2: Visa Status

                           Resident Visa with work permit
                           Citizenship / Green Cards
                           Others
        100%                          86%
         80%
                       50%                                             54%
         60%                                           49%
                    26%                                      26%25%          26%21%
         40%                25%
                                                 12%
         20%                                2%
          0%
                    West-Based      Gulf-Based NRI         Other NRI     All NRI
                          NRI

      Base: 1,631




                                                                              11
NRI Online 2006




      Half the online NRI
      are South Indians in
      origin
      Indian regions they come from
      Almost every second online Indian is from South India (54%). North India
      origin NRI come next at 23%, followed by western regions ones at 19%.
      This dominance of NRI from South India among online NRI is because of
      their very heavy presence in Gulf, where every 2 out of 3 NRI is a south
      Indian origin.

      South based NRI however make a significant proportion of the western
      country based online NRI as well. One in every 3 west-based online NRI
      is also from South India (36%). Here Indians with origin in North take a
      marginal lead over the south by accounting for 38% of the west-based
      online NRI. North India origin NRI forms only 10% of the gulf-based
      online NRI.

               Table 2: Regional Distribution by Place of Origin in India

      Region   West-Based NRI   Gulf-Based NRI   Other NRI   All NRI
      North               38%             10%         20%       23%

      East                6%               3%          4%        5%

      South               36%             68%         58%       54%

      West                20%             20%         18%       19%

      Base: 1,631




                                                                            12
NRI Online 2006



      City of origin in India
      Kochi and Hyderabad stand out as cities from where gulf-based online
      NRI originally come more from, while for west based ones it is
      Hyderabad and Delhi.

                         Table 3: Top 10 Cities by Place of Origin

      City                      West-Based NRI   Gulf-Based NRI   Other NRI   All NRI
      Kochi                                5%              18%         13%       12%

      Others from South India              5%              17%         12%       11%

      Hyderabad                           10%               7%         10%        9%

      Mumbai                               6%              11%          7%        8%

      Chennai                              5%               7%          8%        7%

      Delhi                                9%               3%          5%        6%

      Bangalore                            5%               5%          5%        5%

      Others from North India              9%               3%          3%        5%

      Thiruvananthapuram                   2%               7%          6%        5%

      Ludhiana                             7%             0.1%          2%        3%

      Base: 1,631




                                                                                   13
NRI Online 2006



      Native language
      Malayalam tops as the native language of 40% of online gulf NRI’s. It is
      followed by Urdu, Tamil and Hindi in that order.

      Among western ones, Punjabi tops at 21%. It is followed by Hindi,
      Telugu and Gujrati.

                            Table 4: Top 10 Native Languages

      Language      West-Based NRI   Gulf-Based NRI   Other NRI   All NRI
      Malayalam                9%              39%         26%       25%

      Hindi                   13%               9%         10%       11%

      Tamil                    8%              10%         10%       10%

      Urdu                     3%              13%         10%        9%

      Punjabi                 21%               1%          3%        9%

      Telugu                  11%               4%          7%        7%

      Gujrati                 10%               3%          6%        6%

      Kannada                  5%               4%          3%        4%

      Konkani                 0.8%              5%          2%        3%

      Marathi                  3%               2%          2%        2%

      Base: 1,631




                                                                            14
NRI Online 2006




      Online NRI are
      largely mature males
      Gender
      Women form 19% of online NRI. This is noticeably lower than the
      proportion women form among online Indians in India (25%). This may
      be largely because women form only 12% of gulf NRI. Among the west
      based NRI they form 28% of the online population, marginally higher
      than the online Indians in India.

                             Chart 3: Gender Representation

                                         Male                       Female
        100%
                                      88%
                                                      82%             81%
                     72%
         80%


         60%


         40%
                           28%
                                                                             19%
                                                              19%
         20%                                12%


          0%
                    West-Based     Gulf-Based NRI     Other NRI         All NRI
                       NRI

      Base: 1,631




                                                                             15
NRI Online 2006



      Age distribution
      Online NRI are significantly older in age than online Indians in India.
      While two-third of the online Indians (70%) in India are below 30 years
      of age, only about one-third online NRI (39%) are below 30 years in age.

      In fact even among the west-based online NRI, only 1 in 2 (47%) of them
      are under 30 years of age. Almost 3 out of four gulf-based online NRI
      are over 30 years of age.

                             Chart 4: Distribution by Age Group

                          13 to 30 Years                 Above 30 Years
       80%
                                             71%

                                                                                61%
                                                              58%
       60%                53%
                    47%
                                                        42%
                                                                          39%
       40%
                                       29%


       20%




         0%
              West-Based NRI        Gulf-Based NRI      Other NRI         All NRI

      Base: 1,631




                                                                                16
NRI Online 2006



      Marital status
      Though western online NRI are relatively younger in age, yet even 2 out
      of 3 of them (68%) are married. 78% of gulf-based online NRI are also
      married.

                                  Chart 5: Marital Status

                                Single                        Married

        80%                                    78%
                                                                              69%
                          68%
                                                              62%
        60%


                                                        35%
        40%
                    31%                                                 29%
                                         21%
        20%



         0%
              West-Based NRI Gulf-Based NRI             Other NRI       All NRI

      Base: 1,631




                                                                              17
NRI Online 2006



      Family size
      West-based online NRI have proportionately smaller size families.
      Almost 1 in 3 west-based online NRI (33%) has a family size up to 2
      members in the family. In comparison only 18% of gulf-based online NRI
      have family size of 2 or less.

                     Chart 6: Size of the Family They Represent

                            Upto 2 Members             More than 2 Members
        100%

                                          82%              82%
                                                                            77%
         80%
                          68%

         60%


         40%        33%
                                                                     23%
                                    18%              18%
         20%


          0%
               West-Based NRI Gulf-Based NRI         Other NRI        All NRI
        Average:      3.2              3.5                 3.6             3.4

      Base: 1,631




                                                                           18
NRI Online 2006




      Only 1 in 5 west-
      based online NRI is a
      ‘techie’
      Educational Qualification
      Proportionately as many online NRI from gulf are professionally
      qualified as from the western countries. Only 1 in 5 online NRI has a
      professional education/qualification, irrespective of whether they are
      west-based or gulf-based.

      However, west-based online NRI are otherwise significantly more
      educated with a much higher proportion of them having post-graduates
      and plus education levels (36%) than the gulf-based ones (17%).

                             Table 5: Highest Level of Education

      Education                    West-Based NRI   Gulf-Based NRI   Other NRI   All NRI
      Up to School                            8%              10%         14%       10%

      Graduate                               33%              48%         37%       39%

      Post Graduate                          30%              16%         18%       21%

      Doctorate                               6%             0.7%          2%        3%

      Professional Qualification             20%              22%         20%       21%

      Base: 1,631




                                                                                     19
NRI Online 2006



      Occupation
      Gulf-based online NRI work significantly more in the corporate sector.
      Two out of 3 of them work as corporate employees of various levels. In
      comparison, only 1 in 3 west-based online NRI (31%) work as a corporate
      employee.

      West-based online NRI are significantly more self-employed (21%) as
      against the gulf-based ones (13%).

      But most importantly, a bulk 40% of west-based online NRI come under
      unemployed/semi-employed       categories   (students,    housewives,
      unspecified others) whereas only 17% of gulf-based online NRI come
      under these unemployed/semi-employed categories.

                             Chart 7: Occupational Break Up

        70%                              67%
        60%
                                                                             45%
        50%
                          40%
                                                          37%
        40%                                                  33%
                       31%                                                        30%
        30%         21%                                21%
                                                                       18%
                                            17%
        20%                           13%
                                                     8%
                  7%                                                 6%
        10%                         3%
         0%
              West-Based NRI Gulf-Based NRI           Other NRI           All NRI
               Businessmen                        Self Employed Professionals
               Corporate Executives               Others
      Base: 1,631




                                                                             20
NRI Online 2006



      Functional background
      The west-based online NRI come relatively more from the IT sector
      (21%) in comparison to the gulf-based ones (11%).

      However, this still means that only 1 in 5 west-based online NRI is a
      ‘techie’, against the popular perception which almost assumes every
      second online NRI from the developed countries to be an IT
      professional.

               Chart 8: Field of Functional/Occupational Background

                                    IT/Software       NON/IT         Others
                                          59%
        60%                                              53%                53%
                        47%
        50%

                                                               36%
        40%                                                                       33%
                              32%
                                                30%
        30%
                  21%
        20%                                                           14%
                                        11%           11%
        10%

         0%
              West-Based NRI Gulf-Based NRI           Other NRI         All NRI

      Base: 1,631




                                                                              21
NRI Online 2006




      West-based online
      NRI are economically
      better off
      Household Incomes
      West-based online NRI earn significantly more than. Almost 4 out of 10
      of them have monthly incomes over US$ 5,000. In comparison, only 14%
      gulf-based online NRI have such high level of incomes. In fact, almost
      half of the gulf-based online NRI have monthly incomes of less than US$
      2,000. Only a quarter of online western NRI have such low incomes.

      However, an equal proportion of gulf-based and west-based NRI come
      from the middle income NRI groups (between US$ 2,000 to US$ 5,000),
      at 38% each.

              Chart 9: Distribution by Monthly Income of the Household

                    Less than US$ 2K             US$ 2K - US$ 5K           Above US$ 5k

        50%                          49%
                                                         48%

                              39%                                             40%
                                           38%
                        37%
        40%                                                                         36%
                                                               34%

        30%
                  25%                                                                     24%
                                                                     18%
        20%
                                                 14%

        10%


         0%
              West-Based NRI        Gulf-Based NRI        Other NRI              All NRI

      Base: 1,631




                                                                                     22
NRI Online 2006



      Vehicle ownerships
      While 3 out of 4 west-based online NRI (71%) own a car, only 1 in 2 gulf-
      based online NRI own a car (53%).

      In all about 58% of online NRI own a car, almost the double of what
      online Indians in India own (27%).

              Chart 10: Most Expensive Vehicle Owned by the Household

                               Four Wheeler           Two Wheeler     Don’t own either
        80%
                  72%
        70%

        60%
                                                                         58%
                                    53%                  50%
        50%

        40%

                                                32%
        30%
                                                                                     26%
                                                            23% 27%
        20%                  20%
                                                                               16%
                        9%                15%
        10%

         0%
              West-Based NRI Gulf-Based NRI               Other NRI        All NRI

      Base: 1,631




                                                                                23
NRI Online 2006




      Gulf-based online
      NRI are more
      connected with India
      Emotional Connectivity
      Motivation for Staying Connected with India
      Family connection is what essentially keeps online NRI hooked to India.

      By and large two-thirds of online NRI, irrespective of whether they are
      bases in gulf or in the more developed parts of the world, feel that
      what binds them to India is their ‘family’ back home. Gulf ones
      highlight family connection somewhat more at 72%. At 63%, west-based
      ones also highlight this connection the most.

      Only about 1 in 4 online NRI feels connected to India essentially
      because of patriotic feelings for the home country or towards its
      culture and heritage. West-based ones do so marginally more at 24%
      than gulf-based ones at 19%.

                    Chart 11: Motivation to Stay Connected with India

                    Family         Patriotic Feelings/ Culture & Heritage         Property
       80%
                                      72%
                                                                            66%
                  63%                                   63%
       60%



       40%

                        24%                                   23%                 22%
                                            19%
       20%

                                                                    5%                  3%
                              3%                  2%
         0%
              West-Based NRI         Gulf-Based NRI      Other NRI            All NRI

      Base: 1,631




                                                                                    24
NRI Online 2006



      Indian Role Models
      The online NRI look at APJ Abdul Kalam, Mahatma Gandhi and
      Manmohan Singh as bigger role models than business, sports or cinema
      celebrities.

      This is in contrast to role models the online Indians living in India have.
      Online Indians see business, sports and cinema celebrities like Amitabh
      Bachchan, Dhirubahi Ambani, Sachin Tendulkar or Shah Rukh Khan as
      the bigger role models in their lives (apart from their parents).

                    Table 6: Top Ten Indian Role Models of Online NRI

      Role Models          West-Based NRI   Gulf-Based NRI   Other NRI   All NRI
      A P J Abdul Kalam               7%              12%          4%        8%

      Mahatma Gandhi                  6%               5%          9%        7%

      Dr Manmohan Singh               4%               4%          3%        4%

      Amitabh Bacchan                 3%               3%          4%        3%

      Father                          3%               3%          3%        3%

      Mrs. Sonia Gandhi               1%               4%          2%        2%

      Sachin Tendulkar                3%               1%          3%        2%

      Aishwariya Rai                 0.8%              2%          3%        2%

      Rajeev Gandhi                  0.8%              3%          2%        2%

      Mother Teresa                   2%               2%          1%        2%

      Base: 1,631




                                                                                   25
NRI Online 2006



      Physical connectivity
      Travel to India for Personal Reasons
      Online NRI travel to India more frequently for personal reasons, with
      almost 2 out 3 of them (69%) visiting India at least once in 3 months for
      this reason.

      The high frequency of travel to India is largely driven by the gulf-based
      online NRI, 80% of whom claim to travel to India that frequently. In
      comparison, only 54% of west-based NRI claim to travel to India at least
      once in 3 months for personal reasons.

      Online NRI travel relatively more with their families when traveling to
      India for personal reasons. Two out of 3 west-based online NRI (63%)
      travel with family on such occasions while only 1 in 2 gulf-based online
      NRI (50%) does so.

               Chart 12: Frequency of Visit to India for Personal Reasons

                     At least once in 3 months         Less than once in 3 months
                     Never traveled to India

        100%

                                      81%
         80%                                           73%
                                                                        69%
         60%        54%

                          35%
         40%
                                                                              23%
                                            17%         18%
         20%                    11%                            9%
                                                                                      8%
                                                  2%
          0%
                West-Based NRI Gulf-Based NRI          Other NRI            All NRI

      Base: 1,631




                                                                               26
NRI Online 2006



      Travel to India for professional reasons
      On the other hand, only about 1 in 3 online NRI (39%) travel to India at
      least once in 3 months for professional reasons.

      Here again the gulf-based online NRI travel more frequently with 41% of
      them traveling at least once in 3 months. In comparison, only 27% of
      west-based NRI travel to India that frequently for professional reasons.

              Chart 13: Frequency of Visit to India for Professional Reasons

                    At least once in 3 months         Less than once in 3 months
                    Never traveled to India

        60%
                            53%
                                                     48%
                                    41%
                                                                                     41%
                                              38%
                                                                        39%
        40%
                                                                 31%
                  27%
                                       21%                                     21%
                                                           21%
                      20%
        20%



         0%
                West-Based NRI Gulf-Based NRI          Other NRI           All NRI

      Base: 1,631




                                                                                 27
NRI Online 2006



      Communication connectivity
      Phone Calls for Personal Reason
      Online NRI call India significantly more for personal reasons than for
      professional reasons.

      While 1 in 4 online NRI (28%) calls India for personal reasons at least
      once a day, another 56% call at least once a week.

      The gulf-based online NRI call India relatively more frequently, with
      92% of them calling India at least once a week for personal reasons (80%
      of west-based NRI also do so).

              Chart 14: Frequency of Calling India for Personal Reasons

                    At least once a day                At least once a week
                    Less than a week/Never

        80%

                                      64%
                        59%
        60%                                                               56%
                                                         46%

        40%
                                                   32%
                                    28%                              28%
                                                               23%
                  23%         19%                                               16%
        20%
                                            8%

         0%
              West-Based NRI Gulf-Based NRI          Other NRI            All NRI

      Base: 1,631




                                                                             28
NRI Online 2006



      Phone calls for professional reason
      In comparison, only 14% online NRI call India at least once a day for
      professional reasons, with another 20% calling once a week.

      The online NRI of both the groups call almost equally infrequently to
      India for professional reasons.

            Chart 15: Frequency of Calling India for Professional Reasons

                      At least once a day               At least once a week
                      Less than a week/Never
         100%

          80%               72%
                                             67%                                 66%
                                                            59%
          60%

          40%
                                       22%           21% 21%             20%
                          18%                                         14%
          20%       11%             11%

           0%
                    West-Based    Gulf-Based NRI     Other NRI              All NRI
                       NRI

      Base: 1,631




                                                                               29
NRI Online 2006



      Emailing for personal reason
      Almost twice the proportions of online NRI (both gulf-based and west-
      based) ‘communicate’ with their family, friends and colleagues India on
      a daily basis using an email rather than a phone.

      Gulf-based online NRI email relatively more frequently for personal
      reasons.

      One in 2 out of them (49%) corresponds with people back home on
      email every day. In comparison, 41% of west-based online NRI email
      people back home everyday.

        Chart 16: Send or Receive E-Mails From/To India for Personal Reasons

                        At least once a day                At least once a week
                        Less than a week/Never

                                   49%
        50%                                          48%               46%
                  41%
        40%
                                         34%
                        32%
                                                                             31%
                           27%                                   27%
        30%
                                                           26%
                                                                                  24%
                                               17%
        20%


        10%


         0%
              West-Based NRI Gulf-Based NRI           Other NRI           All NRI

      Base: 1,631




                                                                             30
NRI Online 2006



      Emailing for professional reason
      Once again both the online NRI groups email for professional reasons
      significantly less frequently.

      Only 1 in 2 gulf-based ones (25%) email someone in India for
      professional reasons, while a marginally lower 21% of west-based online
      NRI do the same.

          Chart 17: Send or Receive E-Mails From/To India for Professional
                                          Reasons

                    At least once a day               At least once a week
                    L     h         k/N
        70%

                         59%
        60%                                                                   53%
                                           52%
                                                               47%
        50%

        40%
                                                   27%
                                  25%23%                 25%
        30%                                                          24%23%
                  21%21%
        20%

        10%

         0%
              West-Based NRI Gulf-Based NRI         Other NRI          All NRI

      Base: 1,631




                                                                             31
NRI Online 2006



      Informational connectivity
      Medium used for staying updated on India
      While 2 out of 3 west-based NRI (64%) prefer to stay updated with
      happenings in India using the Internet more, only about 1 in 3 gulf-
      based online NRI (39%) prefers to do so.

      In fact, a noticeably higher proportion of the gulf-based online NRI
      (48%) prefer to update themselves about Indian happening through the
      electronic media (TV largely). Only 1 in 5 west-based NRI (19%) prefers
      electronic media to check happening about India.

              Chart 18: Preferred Medium to Follow Happenings in India

                                Internet           Eloctronic Media         Print Media
        70%
                  64%
        60%
                                                                            49%
                                            48%
        50%                                               44%
                                      39%
        40%                                                                       35%
                                                                34%

        30%
                                                                      21%
                        19%
                                                                                        16%
        20%
                              13%                 13%

        10%

         0%
              West-Based NRI Gulf-Based NRI                Other NRI          All NRI

      Base: 1,631




                                                                                   32
NRI Online 2006



      Usage of electronic medium
      Two out of 3 online NRI (69%) watch Indian programs on TV daily.

      While 86% of gulf-based online NRI watch Indian programs on TV daily
      only 50% of west-based ones do so daily.

                  Chart 19: Frequency of Watching Indian TV Programs

                          At least once a day                At least once a week
                          Less than a week/Never
        100%

                                            86%
         80%
                                                       72%               69%
         60%        50%

         40%                    29%
                       21%                                                        18%
                                                                18%
                                                                            13%
         20%                                                 11%
                                           7% 7%

          0%
                    West-Based        Gulf-Based NRI   Other NRI           All NRI
                          NRI

      Base: 1,631




                                                                               33
NRI Online 2006



      Usage of print medium
      Two out of 3 online NRI (69%) read Indian newspaper and magazine
      daily as well.

      While 81% of gulf-based online NRI read about India in the print medium
      daily only 60% of the west-based ones do so daily.

           Chart 20: Frequency of Reading Indian Newspaper & Magazines

                           At least once a day          At least once a week
                           Less than a week/Never
        100%


                                           81%
         80%
                                                                     69%
                                                      66%
                    60%
         60%


         40%
                          22%
                                18%                         17%16%         17%
                                                                                 14%
         20%                              13%
                                                 6%

          0%
               West-Based NRI Gulf-Based NRI          Other NRI        All NRI

      Base: 1,631




                                                                            34
NRI Online 2006



      Usage of internet medium
      Compared to a significantly higher 2 out of 3 online NRI (69%) relying on
      the conventional 'offline' mediums to stay in touch with India on a daily
      basis, only 1 in 2 online NRI (52%) surfs the net on a daily basis to check
      Indian content.

      Between the two online NRI groups, the gulf-based ones surf the net as
      regularly as the west-based ones to check Indian content (56% versus
      54% respectively), though they use the offline mediums significantly
      more than the west-based ones to watch or read about India.

               Chart 21: Frequency of Surfing Indian Content on Internet

              At least once a day   At least once a week      Less than a week/Never
        60%
                                    56%
                  54%                                                  52%
        50%
                                                      45%

        40%

                                                            27%28%
                                          26%
        30%                                                                  26%
                        25%
                                                                                   23%
                              22%
                                                18%
        20%


        10%


         0%
                West-Based NRI Gulf-Based NRI         Other NRI            All NRI

      Base: 1,631




                                                                              35
NRI Online 2006



      Information sought about India
      They have a keen eye on India's progress and stability. By and large
      online NRI are more interested in content about ‘economic progress” in
      India, followed thereafter about the general happenings in India,
      including political happenings.

      Interestingly, this is in quite a variance to what generally online Indians
      in India are interested in content about India. Compared to the online
      NRI, the online Indians show far greater interest in entertainment
      content (sports, cinema, lifestyle, etc.) And far less in the economic
      progress and political developments in the country.

                 Table 7: Happenings in India NRI Want to Stay Updated On

      Interest Areas          West-Based NRI   Gulf-Based NRI   Other NRI   All NRI
      Economic Progress                 58%              63%         53%       58%

      General Happenings                57%              57%         44%       53%

      Sports                            47%              51%         48%       49%

      Politics                          55%              51%         38%       48%

      Cinema                            54%              38%         42%       44%

      Social Progress                   44%              41%         33%       39%

      Religion/Spirituality             44%              36%         37%       39%

      Lifestyle Trends                  30%              26%         32%       29%

      Fashion                           24%              15%         25%       21%

      Social Progress                   14%              14%         13%       13%

      Others                             7%               4%          9%        7%

      Base: 1,629




                                                                                      36
NRI Online 2006



      Entertainment Connectivity
      Indian Movies
      Only 1 in 3 online NRI (35%) watch Indian movies on a daily basis.

      The gulf-based online NRI watch Indian movies relatively more
      regularly, with 36% of them doing so everyday. In comparison, a lower
      29% of the west-based NRI watch Indian movies everyday.

                    Chart 22: Frequency of Watching Indian Movies

                    At least once a day                 At least once a week
        60%
                    Less than a week/Never

        50%
                                          42%
                                                                            40%
                        40%
                                                      39%38%
        40%                         36%
                                                                     35%
                              31%
        30%       29%                                                             26%
                                                               24%
                                                22%
        20%


        10%


         0%
              West-Based NRI Gulf-Based NRI           Other NRI            All NRI

      Base: 1,631




                                                                              37
NRI Online 2006



      Indian sports
      Again only 1 in 3 online NRI (36%) watch Indian sports on a daily basis.

      The gulf-based online NRI follow the Indian sports content significantly
      more regularly, with 47% of them doing so everyday. In comparison,
      only 22% of the west-based NRI check Indian sports content everyday.

                    Chart 23: Frequency of Watching Indian Sports

                    At least once a day                At least once a week
                    Less than a week/Never
        70%

        60%
                          51%
        50%
                                  47%
                                                     40%
        40%                                                                    34%
                                                                      36%
                                          31%              30%30%           29%
                        27%
        30%
                                            22%
                  22%
        20%

        10%

         0%
                  West-Based     Gulf-Based NRI      Other NRI            All NRI
                     NRI

      Base: 1,631




                                                                             38
NRI Online 2006



      Indian music
      However, a significantly higher 3 out of 4 online NRI (75%) listens to
      Indian music everyday.

      The gulf-based online NRI listen to Indian music also noticeably more
      regularly. While 77% of them listen to Indian music on a daily basis, a
      relatively lower 70% of the west-based NRI listen to Indian music
      everyday.

                    Chart 24: Frequency of Listening to Indian Music

                           At least once a day               At least once a week
                           Less than a week/Never
        100%


                                                       76%
         80%                          77%                               75%
                    70%

         60%


         40%


                          18% 13%                                             15%
                                            14%              13% 11%
         20%                                                                        11%
                                                  9%

          0%
               West-Based NRI Gulf-Based NRI           Other NRI            All NRI

      Base: 1,631




                                                                               39
NRI Online 2006



      Indian fashion
      The proportion of online NRI who check Indian fashion on a daily basis
      are the least at only 17%.

      The gulf-based online NRI also follow the Indian fashion trends
      marginally more regularly than the west-based online NRI. While 16% of
      gulf-based online NRI follow Indian fashion trend on a daily basis, only a
      marginally lower 13% of west-based ones also do so.

              Chart 25: Frequency of Checking Out Fashion Trends in India

                         At least once a day               At least once a week
                         Less than a week/Never
        80%

        70%               65%
                                               62%                                  60%
                                                                 54%
        60%

        50%

        40%

        30%                                                24%               23%
                        22%              23%         23%
                                                                       17%
        20%
                                   16%
                  13%
        10%

         0%
               West-Based NRI Gulf-Based NRI          Other NRI             All NRI

      Base: 1,631




                                                                               40
NRI Online 2006



      Financial connectivity
      Current ownerships of assets in India
      Almost 2 out of 3 online NRI already have bank accounts and houses
      back in India (almost 70% have each). One in 2 (51%) also owns some
      land. Only 1 in 5 (21%) has invested money in shares in India.

      Among the two groups of online NRI, the gulf-based ones not only show
      relatively higher current ownership of both physical and financial assets
      in India.

                      Table 8: Current Asset Ownerships in India

      Assets          West-Based NRI   Gulf-Based NRI   Other NRI   All NRI
      Bank Accounts             70%              75%         66%       70%

      House                     68%              71%         69%       69%

      Land                      47%              53%         52%       51%

      Deposit                   38%              40%         36%       38%

      Shares                    22%              24%         18%       21%

      Others                     5%               5%          3%        4%

      Base: 1,555




                                                                              41
NRI Online 2006



      Future plans for making financial investments in India
      Despite fairly high current ownership of assets in India, a significant
      proportion of online NRI would like to invest further in India, especially
      in physical assets. Almost half the online NRI would like to invest in a
      house or land in India in the near future. In comparison only around 1 in
      4 online NRI (between 26% to 30%) would like to invest in financial
      assets.

      The gulf-based online NRI show relatively higher propensity to make
      further investments in shares and deposits in India as compared to the
      west-based ones. The west-based ones show a relatively higher
      propensity for opening bank accounts in India.

                Table 9: Plans for Future Financial Investments in India

      Assets          West-Based NRI   Gulf-Based NRI   Other NRI   All NRI
      House                     49%              48%         49%       49%

      Land                      46%              48%         43%       46%

      Shares                    28%              37%         25%       30%

      Deposit                   29%              32%         27%       29%

      Bank Accounts             28%              21%         28%       26%

      Others                     4%               5%          3%        4%

      Base: 1,531




                                                                              42
NRI Online 2006



      Remitting money to India
      Almost 2 out of 3 online NRI remitting money to India at least once a
      month.

      Significantly more gulf-based online NRI remit money to India with
      higher frequency than the west-based ones. Nine out of 10 online NRI
      based in the gulf (87%) remit money to India at least once a month. In
      comparison, only 1 in 2 west-based NRI (47%) remits money to India at
      least once a month.

                    Chart 26: Frequency of Remitting Money to India

                      At least once a month            Once in 3 months
                      Once in less than 3 months

        100%
                                    87%
         80%
                                                                      66%
                                                      65%
         60%
                    47%
                             32%
         40%
                                                            22%
                          21%                                              20%
                                                                        14%
                                                         13%
         20%                              8% 5%

          0%
                    West-Based     Gulf-Based NRI     Other NRI        All NRI
                          NRI

      Base: 1,631




                                                                            43
NRI Online 2006



      Preferred mode of remitting money
      When it comes to the mode of remitting money to India, contrary to the
      popular perception, it is the gulf-based online NRI who trust the
      banking modes of transferring funds to India relatively more (both
      online and offline banking modes).

      While only 2 out of 3 west-based online NRI (65%) prefer to remit
      money through online or offline bank based transfers or transactions, a
      significantly higher 80% gulf-based online NRI rely on such modes of
      transfer.

      This higher preference for banking modes by the gulf-based online NRI
      may have something to do with the fact that they remit money to India
      much more frequently.

               Chart 27: Preferred Mode of Remitting Money to India

           Online Transactions       Offline Transactions         Cash Transactions

        50%
                                  43%
                                        37%
                  38%                              36%                 39%
        40%
                                                      33%                 32%
                           29%
                        27%
        30%                                                 25%               24%
                                          19%
        20%

        10%

         0%
                  West-Based     Gulf-Based NRI     Other NRI            All NRI
                        NRI

      Base: 1,631

      On the whole, all this data clearly suggests that the gulf-based online
      NRI not only show higher physical, financial and communication
      connectivity with India but also more informational and entertainment-
      related connectivity as well. It is only in emotional connectivity that
      the west-based online NRI are almost equally glued to India.




                                                                            44
NRI Online 2006




      West-based NRI are
      more 'online'
      Online connectivity
      Regularity of internet usage
      Almost 2 out of 3 online NRI (69%) log on to the net several times a day.
      In fact, 9 out of 10 online NRI (92%) use the net on a daily basis.

      Though fairly high proportions of both group of online NRI use the
      Internet daily (97% and 94% respectively), a noticeably higher
      proportion of west-based online NRI (80%) access the net several times
      a day. Only 71% of gulf-based ones access it several times a day.

                         Chart 28: Frequency of Using Internet

            Several times a day           Once a day         Once a week or less

        100%

                  80%
         80%                                                          69%
                                   71%
                                                     57%
         60%


         40%
                                                           28%
                                                                            23%
                                         23%
                        17%
         20%
                                                             8%
                                                                                  3%
                              2%            2%
          0%
                  West-Based       Gulf-Based NRI      Other NRI         All NRI
                        NRI

      Base: 975




                                                                            45
NRI Online 2006



      Experience in internet usage
      Eight out of 10 online NRI (80%) have experience of 2 or more years in
      using the net.

      With 87% of them using the net already for 2 years or more, the gulf-
      based online NRI are marginally more experienced net users than the
      west-based ones, only 84% of whom have that level of net usage
      experience. This could be largely because the west-based online NRI
      have a significantly higher proportion of students and non-working users
      in their base, while gulf-based online NRI are mostly the working ones.

                   Chart 29: Years of Experience in Using Internet

                          Upto 2 Years                   More than 2 Years
        100%
                                          87%
                         84%
                                                                             80%
         80%
                                                            66%

         60%

                                                      34%
         40%
                                                                       20%
                   16%              13%
         20%


          0%
                  West-Based     Gulf-Based NRI      Other NRI          All NRI
                     NRI

      Base: 975




                                                                             46
NRI Online 2006



      Internet users per family
      Over 40% of all NRI have more than 2 members in the household using
      the Internet. This means that on an average, there are 2.5 Internet
      users per NRI household. This is significantly higher than the average
      Internet users per household of 1.7 among the online Indians living in
      India.

      Only 1 out of 3 gulf-based online NRI (33%) come from a household that
      has more than 2 members in the household using the net. In comparison
      45% of west-based online NRI come from such households.

      As a result of this, west-based NRI shows noticeably higher net users
      per household at an average of 2.6. In comparison, the gulf-based
      online NRI have only 2.2 users per household.

                  Chart 30: Number of Family Member Using the Internet

                           Upto 2 Members               More than 2 Members
        100%

         80%
                                      67%
                                                                   59%
         60%        55%                              52%
                            45%                            48%               41%
         40%
                                            33%
         20%

          0%
                   West-Based NRI   Gulf-Based NRI   Other NRI           All NRI

        Average:          2.6            2.2           2.7                 2.5

      Base: 975




                                                                                   47
NRI Online 2006




      Gulf NRI access
      Internet more from
      office, west ones
      more from homes
      Place of access
      Almost 2 out of 3 online NRI (67%) use the net from home, with an
      almost equal proportion also using it from offices. At 90%, the west-
      based online NRI also access the net significantly more from homes. In
      comparison, only 58% of the gulf-based online NRI access the net from
      homes. The story is almost the reverse when it comes to net usage from
      office. While the gulf-based ones access the net significantly more from
      offices at 82%, only 57% of the west-based ones access it from the
      office.

      Further, whether based in the gulf or in the west, online NRI use the
      net mainly from home or office. Very few of them access the net from
      cyber cafes. Only 4% of west-based online NRI and 14% of gulf-based
      ones access the net from cyber cafes. On the whole, though both the
      groups access the net from distinct places, the fact remains that both
      the groups access the net equally regularly.

                         Chart 31: Place of Accessing Internet

                         Office                 Home                 Cyber-Café
        100%
                        90%
                                    82%
         80%
                                                                      69% 67%
                                                       60%
         60%      57%                                        59%
                                          58%

         40%
                                                               19%
                                            14%                               12%
         20%
                              4%
          0%
                  West-Based       Gulf-Based NRI      Other NRI         All NRI
                        NRI

      Base: 975


                                                                            48
NRI Online 2006



      Type on connection at home
      The reason why gulf-based online NRI access the net more from office
      and less from homes is clear from the fact that not only 1 in 4 of them
      does not have an internet connection at home, but also another 2 out
      of 4 have only a regular dial up connection. So effectively, only 1 in 4
      gulf-based online NRI has a broadband connection at home.

      In sharp contrast to this, 3 out of 4 west-based online NRI (77%) using
      the net from home have broadband access from home. This may be
      facilitating higher home-based Internet usage among them.

      On the whole, only 1 in 2 online NRI (48%) who use the Internet from
      home has a broadband connection at home. Interestingly, this is
      marginally lower than the proportion of online Indians using the
      Internet from home with broadband access (52%).

                       Chart 32: Type of Internet Connection at Home

                       No Internet at Home             Regular dial up connection
                       Broadband Connection
                            77%
        80%


        60%
                                                                                  48%
                                                              42%
                                           47%
        40%
                                                 26%                          30%
                                     25%               25%28%
                                                                       18%
        20%
                         11%
                  6%
         0%
              West-Based NRI Gulf-Based NRI            Other NRI             All NRI

      Base: 975




                                                                                49
NRI Online 2006



      Duration of net usage from home
      Almost 3 out of 4 online NRI (76%) are light to medium users of the
      Internet from homes. Only 1 in 4 of them uses the net for more than 2
      hours a day.

      West-based NRI are the relatively heavier users of the net. A
      significantly higher 35% of them use the net on an average for more
      than 2 hours a day from home. In comparison, only 14% of the gulf-
      based ones use the net for more than 2 hours a day from home.

                      Chart 33: Time Spent on Internet at Home

                           Upto 2 Hours              More than 2 Hours
        100%
                                      86%
                                                     79%
                                                                    76%
         80%
                     65%

         60%


                           35%
         40%
                                                                          24%
                                                           21%
                                            14%
         20%


          0%
                  West-Based NRI Gulf-Based NRI     Other NRI        All NRI

      Base: 838




                                                                          50
NRI Online 2006



      Duration of net usage from office
      Almost 2 out of 3 online NRI (64%) are also light to medium users of the
      Internet from offices. However, with 1 in 3 of them using the net for
      more than 2 hours a day from office, online NRI are relatively heavier
      users of the net from office than from homes.

      Gulf-based online NRI are almost as heavy users of the net from office
      as the west-based ones (37% to 39% of both groups' NRI use the net for
      more than 2 hours a day on an average from the office).

                     Chart 34: Time Spent on Internet at Office

                               Upto 2 Hours              More than 2 Hours
        80%
                                                   69%
                                                                    64%
                   63%               61%
        60%


                                           39%
                         37%                                              36%
        40%
                                                         31%


        20%



         0%
                  West-Based      Gulf-Based NRI   Other NRI         All NRI
                     NRI

      Base: 781




                                                                           51
NRI Online 2006




      Both surf for Indian
      content almost
      equally
      Duration of surfing Indian content from home
      When it comes to the surfing Indian content on the net from home, only
      7% of the west-based online NRI do so for more than 2 hours a day,
      while 3% of the gulf-based ones surf it for those durations.

      In other words, almost 20% each of the west-based and gulf-based
      online NRI (or 1 in 5 of them) who use the Internet to check Indian
      content from home do so for more than 2 hours a day on an average.

         Chart 35: Time Spent on Internet at Home to Check Indian Content

                   Upto 2 Hours                       More than 2 Hours

                                                                     94%
                                     98%
          100%       93%                             90%


           80%


           60%


           40%


           20%                                             10%
                           7%                                                6%
                                           3%
             0%
                   West-Based     Gulf-Based NRI    Other NRI         All NRI
                       NRI

      Base: 830




                                                                            52
NRI Online 2006



      Duration of surfing Indian content from office
      The story is no different for usage of Indian content from the offices as
      well. While only 4% of the west-based online NRI who access the net
      from office check Indian content online for more than 2 hours a day
      from there, a marginally higher 8% of the gulf-based ones use it for
      those durations from office.

      In other words, while only 10% of the west-based online NRI who use
      the Internet to check Indian content from office do so for more than 2
      hours a day, a noticeably higher 20% of the gulf-based online NRI who
      use the Internet to check Indian content from office do so for more
      than 2 hours a day.

         Chart 36: Time Spent on Internet at Office to Check Indian Content

                          Upto 2 Hours                  More than 2 Hours


                    97%                                                 93%
          100%                                         92%
                                     92%

           80%


           60%


           40%


           20%
                                                             8%
                                           8%                                  7%
                          4%
            0%
                   West-Based     Gulf-Based NRI      Other NRI          All NRI
                       NRI

      Base: 720




                                                                              53
NRI Online 2006




            Politics and economy
            are the most surfed
            Indian content
            Indian content surfed online
            Irrespective of whether they are based in gulf or in the more developed
            parts of the world, all online NRI check the political and economic
            development of the country much more than anything else on the net.

            Thereafter, Indian sports content is checked relatively more by the
            gulf-based ones on the net, while Indian cinema and music content is
            checked relatively more by the west-based ones. Gulf-based online NRI
            also check health and fitness related Indian content also relatively
            more on the net, while west-based ones check religious and spirituality
            and cultural heritage content relatively more.

                           Table 10: Indian Content Sought Online More

 Contents                             West-Based NRI   Gulf-Based NRI   Other NRI   All NRI
 Politics                                       72%              71%         65%       70%

 Business / Economy                             60%              63%         63%       62%

 Sports                                         51%              62%         60%       58%

 Music & Cinema                                 57%              45%         53%       52%

 Science / Technology                           38%              38%         41%       39%

 Stocks / Shares / Interest Rates               33%              38%         32%       35%

 Traveling / Tourism                            30%              34%         32%       32%

 Relationship / Friendship                      27%              30%         35%       31%

 Culture / Heritage                             33%              24%         36%       31%

 Spirituality / Religion                        33%              27%         28%       29%

 Health / Fitness                               20%              33%         29%       27%

 Picture Gallery / Video Gallery                25%              24%         27%       25%

 Astrology                                      26%              24%         24%       25%

 Food and Recipes                               31%              21%         22%       25%

 Cartoon / Jokes                                23%              19%         28%       23%

 Personality / Celebrity Interviews             22%              23%         23%       23%

 Glamour / Fashion / Lifestyle                  19%              21%         28%       22%

 Community Building                             16%              10%         17%       14%

 Charity / Donations                            10%               9%         12%       10%

            Base: 975


                                                                                       54
NRI Online 2006




      Gulf ones buy from
      Indian websites
      relatively more
      Online buying
      Almost 6 out of 10 online NRI (59%) buy from the Internet.

      While only 1 in 2 gulf-based online NRI (50%) has ever bought online, 3
      out of 4 west-based online NRI (73%) have bought online.

      West-based ones are the more regular online shoppers as well. Against
      only 24% of the gulf-based online NRI shopping online at least once a
      month, an almost double that proportion of west-based online NRI (42%)
      shop online that frequently.

                          Chart 37: Frequency of Buying Online

                    At least once a month             Once in Less than a month
                    Never shopped online
        60%

                                                50%
        50%                                                       45%
                  42%                                                               41%
        40%
                                                                        31%
                        31%
                                                      29%                     28%
                              27%         26%
        30%                                                 26%
                                    24%
        20%


        10%


         0%
              West-Based NRI Gulf-Based NRI            Other NRI          All NRI

      Base: 975




                                                                               55
NRI Online 2006



      Online buying for Indian products or services
      Almost 4 out of 10 online NRI (44%) buy from an Indian website. As 59%
      of all online NRI buy online, clearly there are about 15% online NRI who
      buy online but do not buy from an Indian website. This means that 3
      out of 4 online NRI (75%) who buy online also buys from an Indian
      website.

      While only 1 in 2 west-based online NRI (49%) has ever shopped from an
      Indian website, 40% of the gulf-based ones have also shopped from
      Indian websites.

      So proportionately more gulf-based online NRI who buy online buy from
      the Indian websites. That is, 82% of gulf-based NRI who buy online also
      buy from an Indian websites, while only 70% of west-based NRI who buy
      online also buys from an Indian website.

      However in terms of the frequency of buying from Indian websites, less
      than 2 out of 10 online NRI from each of the groups are really the
      regular online NRI buyers from these Indian websites. West-based ones
      buy marginally more regularly from Indian websites, with 18% of them
      buying at least once a month from these websites.

              Chart 38: Frequency of Buying Online on Indian Websites

                    At least once a month               Once in Less than a month
                    Never shopped online
        80%


                                                                  60%
                                                60%                                 56%
        60%
                              49%


        40%             33%
                                          28%                                 28%
                                                            22%
                                                      19%
                                                                        16%
                  18%
        20%
                                    13%


         0%
              West-Based NRI Gulf-Based NRI           Other NRI           All NRI

      Base: 975




                                                                               56
NRI Online 2006



      Average spends on Indian websites
      Online NRI from both the groups show almost an equal proportion of
      heavy online spenders buying from the Indian websites. Only 5% from
      each of the groups spend on an average more than US$ 500 a month
      with these websites.

      However, a noticeably higher 45% of west-based online NRI are light to
      medium spenders on these websites (as against only 35% of the gulf-
      based ones).

        Chart 39: Average Monthly Spends When Buying from Indian Websites


                    Never Shop Online               Upto $500            More than $500

        70%
                                                        65%
                                                                            58%
                                   60%
        60%
                  50%
                        45%
        50%

                                                                                  36%
                                         35%
        40%
                                                              27%
        30%

        20%

                                                                    8%                  6%
                              5%
        10%
                                               5%

         0%
              West-Based NRI Gulf-Based NRI              Other NRI            All NRI

      Base: 975




                                                                                   57
NRI Online 2006



             Popular items bought from Indian websites
             Air tickets are the most bought items online from the Indian websites
             for both groups of online NRI. Almost half the online shopping NRI from
             both the groups who shop from Indian websites buy air tickets online.

             The other popularly bought online products from the Indian websites
             are CD and DVDs, books and magazines, gifts and travel and tour
             packages.

             Between the two groups, the products that the west-based online NRI
             buy relatively more from Indian websites are CD and dvds, gifts for
             relatives in India, Indian spices and food, jewelry and handicraft items.

             On the other hand, the items that the gulf-based online NRI buy
             relatively more from these websites are only books and magazines.

                    Table 11: Products Or Services Bought from Indian Websites

Products                                West-Based NRI   Gulf-Based NRI   Other NRI   All NRI
Air ticket                                        44%              47%         42%       45%

CDs & DVDs                                        36%              23%         36%       31%

Books & Magazines                                 26%              34%         31%       31%

Gifts for relatives in India                      34%              22%         19%       25%

Travel / Tour Packages                            21%              22%         19%       20%

Clothes / Shoes / Fashion accessories             18%              14%         16%       16%

Indian Spices / Food Items                        17%               6%         16%       13%

Jewellery                                         12%               8%         14%       11%

Toys / Games                                       8%               9%         14%       10%

Indian Festival Gifts for Self                    11%               8%         11%       10%

Ayurvedic Products / Medicine                     11%               8%         10%       10%

Herbal Beauty products                             7%               7%         14%        9%

Perfumes                                           7%               5%         12%        8%

Handicraft items                                  10%               4%          9%        8%

Furniture / Fixtures                               5%               2%          4%        4%

             Base: 939




                                                                                         58
Internet usage and behavioral study of NRI - 2006
Internet usage and behavioral study of NRI - 2006
Internet usage and behavioral study of NRI - 2006
Internet usage and behavioral study of NRI - 2006
Internet usage and behavioral study of NRI - 2006
Internet usage and behavioral study of NRI - 2006
Internet usage and behavioral study of NRI - 2006
Internet usage and behavioral study of NRI - 2006
Internet usage and behavioral study of NRI - 2006
Internet usage and behavioral study of NRI - 2006
Internet usage and behavioral study of NRI - 2006
Internet usage and behavioral study of NRI - 2006
Internet usage and behavioral study of NRI - 2006
Internet usage and behavioral study of NRI - 2006
Internet usage and behavioral study of NRI - 2006
Internet usage and behavioral study of NRI - 2006
Internet usage and behavioral study of NRI - 2006
Internet usage and behavioral study of NRI - 2006
Internet usage and behavioral study of NRI - 2006
Internet usage and behavioral study of NRI - 2006
Internet usage and behavioral study of NRI - 2006
Internet usage and behavioral study of NRI - 2006
Internet usage and behavioral study of NRI - 2006
Internet usage and behavioral study of NRI - 2006
Internet usage and behavioral study of NRI - 2006
Internet usage and behavioral study of NRI - 2006
Internet usage and behavioral study of NRI - 2006

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Internet usage and behavioral study of NRI - 2006

  • 1.
  • 2.
  • 3. NRI Online 2006 Indian Connectedness of Online NRI
  • 4. © Copy Right JuxtConsult
  • 5. Table of Content NRI Online 2006 ........................................................... 1 Methodology ............................................................... 3 Executive Summary ...................................................... 5 Detailed Findings: Non Residential Status ..................................................10 Half the online NRI are South Indians in origin .....................12 Online NRI are largely mature males .................................15 Only 1 in 5 west-based online NRI is a ‘techie’.....................19 West-based online NRI are economically better off ...............22 Gulf-based online NRI are more connected with India ............24 West-based NRI are more 'online' .....................................45 Gulf NRI access Internet more from office, west ones more from homes .....................................................................48 Both surf for Indian content almost equally ........................52 Politics and economy are the most surfed Indian content........54 Gulf ones buy from Indian websites relatively more...............55 Website Preferences for Indian Content.............................59 Offline media preferences for Indian content ......................74 Index.......................................................................78
  • 6.
  • 7. NRI Online 2006 NRI Online 2006 The Indian Diaspora is spread across the world ranging from those in the economic superpowers to those in the countries that have just fledgling economies. No matter where they may be living, most Non-resident Indians (NRI) would like to stay connected with their homeland in some or the other way. This desire among the NRI to stay connected with India translates into making them a very ‘high purchasing power’ consumer segment base for most Indian marketers. Whether it is traveling, real estate, financial savings and investments, jewelry, handicrafts, food items or herbal products, NRI or their relatives back home form a significant part of the ‘high value’ Indian consumption. In the last few years Internet has emerged as one of the important mediums for the Non-resident Indians to stay connected with India. NRI are increasingly using the Internet to communicate with people back home, and to maintain the economic, social, political and philanthropic networks with the Indian homeland. Yet there is very little information available on the online connectivity of the NRI with India. To fill this yawning information gap, JuxtConsult, in addition to its annual study on online Indians, decided to track the online NRI as well on an annual basis. This years study, titled the NRI Online 2006 attempts to not only understand the overall connectivity of NRI with India but also the role Internet is playing in facilitating it. The findings of the NRI Online 2006 report from JuxtConsult are based on an online survey conducted with the NRI Diaspora living in various parts of the world. The objective of the study was not to measure how many NRI are online or what proportion come from which regions. It was essentially to check their status and preferences in staying connected with India and their online behavior in doing so. However, the study does highlight the demographic and economic profile of the online NRI, along with their preferred ways to stay connected with India in both online and offline modes. To make the report even more meaningful for Indian marketers, the NRI Diaspora have been grouped into 2 main clusters – Gulf-based NRI and West-based NRI. This has been done to capture the two ‘distinct’ and really big NRI markets and compare and contrast their motivations and usage of Internet to stay connected with India. 1
  • 8. NRI Online 2006 Key Information Areas Covered Demographic and Economic profile (current region of residence, visa status, gender, age, occupation, family size, monthly household income in US$, vehicle ownership, city of origin in India, native language) Physical connectivity with India (frequency of travel to India for personal and professional reasons, visit individually or with family) Communicational connectivity with India (frequency of calling and emailing India for personal and professional reasons) Informational connectivity (preferred medium to stay connected with India, frequency of usage of media channels and preferred brands/websites to do so –TV, Newspaper, Internet, content areas sought/checked more) Emotional Connectivity (motivation to stay connected with India, Indian role models) Financial Connectivity (key financial assets in India, likely financial investments, frequency and preferred modes of financial remittance to India) Online connectivity Net Usage Dynamics like years of experience in using Internet, place of regular access, frequency of usage from home and office, type of connection a home, average time spent on the net at home or office, etc. Website preferences for surfing Indian content like checking news and events in India, online shopping for Indian products, booking travel tickets to India, checking real estate info from India, job search in India, general info search about India, matrimonial search, seeking friendships in India, check Indian cinema, sports, music and fashion contents, etc. Online Buying from Indian Websites like frequency of buying from these websites, products bought along with average monthly spends, etc. 2
  • 9. NRI Online 2006 Methodology The task of conducting an online survey among the Indian Diaspora spread across the world appeared a tough challenge to begin with. How does one effectively reach all these widely spread out NRI in different countries? Which online vehicles or websites do we consider to be able to reach them noticeably, cast the net wide enough and yet do so in a cost-efficient manner? How does one ensure that the responses collected are representative of the online NRI across different regions of the globe and not reflect just one particular section of NRI in a biased way? After a lot of brainstorming on the possible methods to conduct this online survey, and after considering the pros and cons of these methods in line with out prior experience of conducting such online surveys over last 2 years, we zeroed down on using the ‘contextual search ad’ based survey campaign with Google AdWords. The final choice was a result of two critical advantages the vehicle had in case of this survey: Google AdWords allowed us to undertake a ‘geographically targeted’ campaign by which we could reach and cover all the key regions of the world specifically and using just one online vehicle, rather than having to go with a big bouquet of websites targeting NRI. As generic info search is done by almost by all netizens no matter who they are and from where they access the net, using this vehicle would really help us cast an unbiased and a wide enough net on the world-wide-web to capture the NRI population no matter where they are based. Accordingly, an online survey was conducted between May-June 2006 among the NRI from the various parts of the world. The survey was conducted using an online questionnaire segmented into two sections. The questionnaire was pre-tested and timed to take approximately 15-20 minutes for a respondent to complete depending on the speed of comprehension and answering of the questions. The questionnaire was structured and designed to reduce the level of ‘respondent fatigue’ to an extent that was practically possible. In the online questionnaire, a response format of ‘clicking’ a single or multiple options among the various given options was used for most questions. For each of these questions it was also possible for a respondent to answer ‘none’ or ‘any other’. However, wherever the respondents were asked to give preferences for websites or brand names, only a text box was provided for them to type the name on their own (or type ‘none’ if not applicable). This was done to ensure that all such recall and preference responses were solicited ‘unprompted’. Further, to enlist complete and sincere responses, an incentive of a significant cash prize was also announced for one selected respondent to be given at the end of the survey. 3
  • 10. NRI Online 2006 Over 1,630 completed, As the final usable sample collected from the 3 cluster groups of online NRI were different, to ensure that the overall online NRI level information is not biased towards any one specific NRI cluster group, the different sample bases of the 3 groups of online NRI were equalized using response level weights. Unduplicated and usable responses were collected on the India connectedness of the online NRI. Of these about 1,000 NRI also reported their net usage & preference details. The net result was the compilation of the latest, highly authentic information on the online connectedness, Internet habits and website preferences of online NRI. This information was then used for making ‘insightful’ analysis and conclusions as contained in the NRI Online 2006 report. To make the report more meaningful for Indian marketers targeting NRI, the NRI have been grouped into 2 main clusters – gulf-based NRI and the western countries based NRI (west-based NRI). This ensured that we not only capture the two ‘distinct’ and really big NRI markets but also compare and contrast their motivations and usage of Internet to stay connected with India. The final NRI groups with their sample bases used in the report are as follows: Table 1: Sample Distribution NRI Groups Country/Region of Current Location Sample Base US, Canada, Central America, Western Europe, West based NRI 502 Australia Gulf based NRI Middle East 859 South Asia, South East Asia, Eastern Europe, Africa, Other NRI 270 South America Total NRI 1631 4
  • 11. NRI Online 2006 Executive Summary ‘Family connection’ is largely what keeps online NRI hooked to India By and large two-thirds of the NRI, irrespective of whether they are based in gulf or in the more developed parts of the world feel that what binds them to India is their ‘family’ back home. Gulf ones highlight family connection somewhat more at 72% as against 63% of west-based ones. In fact, only about 1 in 4 online NRI feels connected to India because of patriotic feelings for the home country or towards its culture and heritage. West-based ones do so marginally more at 24% than gulf- based ones at 19%. Gulf-based online NRI are more connected with India The gulf-based online NRI not only show higher physical, financial and communicational connectivity with India but higher informational and entertainment-related connectivity as well. Gulf-based online NRI travels to India more frequently for both personal and professional reasons. 80% of them claim to travel to India at least once in 3 months for personal reasons. In comparison, only 54% of west-based NRI claim to travel to India for personal reasons that frequently. Gulf-based online NRI also call their family and friends in India more. 92% of them call India at least once a week for personal reasons (80% of west-based NRI also do so). Gulf-based online NRI email also relatively more frequently for personal reasons. One in 2 out of them (49%) corresponds with people back home on email every day. In comparison, 41% of west- based online NRI email people back home everyday. Gulf-based online NRI remit money to India more frequently. 9 out of 10 online NRI based in the gulf (87%) remit money to India at least once a month. In comparison, only 1 in 2 west-based NRI (47%) remits money to India at least once a month. Compared to the west-based NRI they also check information about India more, though they do so relatively more using the ‘offline’ mediums. West-based online NRI connect more online Between the two NRI groups, the west-based online NRI rely on Internet relatively more to stay connected with happenings in India. While 2 out of 3 west-based online NRI (64%) prefer to stay updated with happenings in India online, only about 1 in 3 gulf-based online NRI (39%) prefers to do so. In fact, a higher proportion of gulf-based online NRI (48%) prefer to update themselves about Indian happening through the electronic media (TV largely). Only 1 in 5 west-based NRI (19%) prefers electronic media to check happening about India. 5
  • 12. NRI Online 2006 It is not that the gulf-based ones surf the net less regularly than the west-based ones to check Indian content, it is just that they use the offline mediums significantly more to watch or read about India. Both groups keep a keen eye on India’s economic progress By and large online NRI are more interested in ‘economic progress’ and ‘political stability’ of the country (India) than anything else. Interestingly, this is in quite in variance to what generally online Indians in India are interested in. Compared to the online NRI, the online Indians show far greater interest in entertainment content (sports, cinema, lifestyle, etc.) And far less in the economic progress and political developments in the country. This contrast is also reflected in the Indian role models that online NRI have as compared to the online Indians. While online Indians see business, sports and cinema celebrities like Amitabh Bachchan, Dhirubahi Ambani, Sachin Tendulkar or Shah Rukh Khan as the relatively bigger role models in their lives (apart from their parents), the online NRI look up to APJ Abdul Kalam, Mahatma Gandhi and Manmohan Singh as bigger role models than these celebrities. Between the two online NRI groups, while the gulf-based ones seek economic progress and sports content relatively more, the west-based ones seek cinema, fashion and religion/spirituality content relatively more. Online NRI show high level of keenness to invest in India Despite very high current ownership of assets in India, a significant proportion of online NRI would like to invest further in India, especially in the physical assets. Though 2 out of 3 online NRI already have bank accounts and houses back in India, almost half the online NRI would still like to invest in a house or land in India in the near future. In comparison only around 1 in 4 online NRI would like to invest in financial assets. Amongst the two groups of online NRI, the gulf-based ones not only show relatively higher current ownership of both physical and financial assets in India, but are also the ones who show relatively higher propensity to make further investments in shares and deposits in India as compared to the west-based ones. The west-based ones show a relatively higher propensity for opening bank accounts in India. Gulf ones prefer to remit money more through the banking channels Contrary to the popular perception, when it comes to the mode of remitting the money to India, it is the gulf-based online NRI who trust the banking modes of transferring funds to India relatively more (both online and offline). While only 2 out of 3 west-based online NRI (65%) prefer to remit money through online or offline bank based transfers or transactions, a significantly higher 80% gulf-based online NRI rely on 6
  • 13. NRI Online 2006 such modes of transfer. This higher preference for banking modes by the gulf-based online NRI may have something to do with the fact that they remit money to India more frequently. West-based NRI are generally the heavier users of the net, but not the heavier users of Indian content on the net Not only a noticeably higher proportion of west-based online NRI access the net several times a day but also significantly more of them use the net for more than 2 hours a day from home. However, when it comes to the usage of Indian content online at home, almost 20% of each of the west-based and gulf-based online NRI who use the Internet for more than 2 hours a day, also uses the Internet to check Indian content for more than 2 hours a day. The story is no different for usage of Indian content from the offices as well. The gulf-based online NRI are almost as heavy users of the net from office as the west-based ones, and they check Indian content from office somewhat more heavily than the west-based ones. For entertainment, online NRI connect with Indian music the most In terms of connectivity with Indian ‘entertainment’, online NRI listen to Indian music the most regularly. Three out of 4 online NRI (75%) listens to Indian music everyday. In comparison, only 35% watch Indian movie everyday, 36% watch Indian sports everyday and 17% check Indian fashion everyday. The gulf-based online NRI follow the Indian sports content significantly more regularly. At the same time, the gulf-based online NRI follow Indian movies, music and fashion also somewhat more regularly than the west-based NRI. Online NRI are largely mature males Only 1 in 5 online NRI (19%) is a woman. This is noticeably lower than the proportion women form among online Indians in India (25%). However, this is largely because women form only 12% of gulf-based online NRI. Among the west-based online NRI women form 28% of the online population. Online NRI are also significantly older in age than online Indians in India. While two-third of the online Indians in India (70%) are below 30 years of age, only about one-third online NRI (39%) are below 30 years in age. Half the online NRI are South Indians in origin Almost every second online Indian is from South India (54%). North India origin NRI come next at 23%, followed by western regions ones at 19%. This dominance of NRI from South India among the online NRI is because of their very heavy presence in Gulf, where every 2 out of 3 online NRI 7
  • 14. NRI Online 2006 is of South Indian origin. At the same time however, 1 in every 3 west- based online NRI is also from South India (36%). Only 1 in 5 west-based online NRI is a ‘Techie’ Though west-based online NRI come relatively more from the IT sector (21%) in comparison to the gulf-based ones (11%), still only 1 in 5 west- based online NRI is a ‘techie’. This is contrary to the popular perception that almost assumes every second online NRI from the developed countries to be an IT professional. An equal proportion of gulf-based online NRI are professionally qualified Though west-based online NRI have higher levels of educations (36% of them being post-graduate or above, against 17% gulf-based ones), proportionately as many online NRI from gulf are professionally qualified as from the western countries. Only 1 in 5 online NRI has a professional education/qualification, irrespective of whether they are west-based or gulf-based. However, gulf-based online NRI work significantly more in the corporate sector. Two out of 3 of them work as corporate employees of various levels. In comparison, only 1 in 3 west-based online NRI works as a corporate employee. In fact, 40% of west-based online NRI come under unemployed/semi-employed categories (students, housewives, and unspecified others). But gulf-based online NRI have significantly lower incomes Almost 40% of west-based online NRI have monthly family incomes of over US$ 5,000. In comparison, only 14% gulf-based NRI have such high level of incomes. In fact, almost half of gulf-based online NRI have monthly incomes of less than US$ 2,000. Similarly, while 3 out of 4 west-based online NRI own a car, only 1 in 2 gulf-based online NRI own a car. In all about 58% of online NRI own a car, almost double the proportion of what online Indians in India own (27%). In sum, by and large the online NRI are highly connected with India, both because of their strong ‘family linkages’ back home as well as their high levels of concern about the ‘progress’ of their homeland. In this, the gulf-based online NRI are noticeably more linked to India than the west-based ones and understandably so. The gulf-based online NRI are significantly more the ‘bread earners’ of their families back home. Accordingly their stakes and involvement levels are higher, both emotionally and financially. Further, they are much closer to India both in time and distance. The perceived ‘proximity’ also makes them connect with the homeland with more regularity, be it connecting physically, in communication, or in seeking information and entertainment content about India. Though the west-based online NRI prefer to stay connected with India using the Internet relatively more, and may be classified as the more ‘online NRI’ per se, in effect they connect with India on the net only as regularly as the gulf ones do. 8
  • 15. NRI Online 2006 Detailed Findings 9
  • 16. NRI Online 2006 Non Residential Status Region of residence In this report, the online NRI have been grouped into 2 main clusters - gulf country based NRI and western countries based NRI. This has been done to capture the two ‘distinct’ and really big NRI markets and compare and contrast their motivations and usage of Internet to stay connected with India. The final NRI groups with their sample bases as reported are: West-based NRI – US, Canada, Central America, Western Europe, Australia (Sample base – 502) Gulf-based NRI - Middle East (Sample base – 859) Other NRI – South & South East Asia, Eastern Europe, Africa, South America (Sample base – 270) To report unbiased findings at the overall NRI level, the different sample bases of the 3 groups of NRI were equalized using response level weights. Chart 1: Region of Current or Permanent Residence 100% 2% Eastern Europe/ Russia 6% 2% 7% 4% 2% 7% 13% 6% Central, South America/ 80% 7% M exico/ Caribbean 17% 21% Australia/New Zealand 20% 60% South East Asia/ Japan/ 100% China 23% Western, Southern 40% 70% Europe/ Scandinavia 60% Africa/ South Africa 20% 33% South Asia 0% North America/ Canada West- Gulf- Other NRI All NRI Based Based M iddle East NRI NRI Base: 1,631 10
  • 17. NRI Online 2006 Visa status While almost 9 out of 10 gulf-based online NRI (86%) have resident visas with work permit, only 1 in 4 west-based online NRI is has a resident visa with work permit. This difference is largely because almost 1 in 2 online NRI from the western countries (52%) has already acquired a local citizen or has a special residential status like green card. Chart 2: Visa Status Resident Visa with work permit Citizenship / Green Cards Others 100% 86% 80% 50% 54% 60% 49% 26% 26%25% 26%21% 40% 25% 12% 20% 2% 0% West-Based Gulf-Based NRI Other NRI All NRI NRI Base: 1,631 11
  • 18. NRI Online 2006 Half the online NRI are South Indians in origin Indian regions they come from Almost every second online Indian is from South India (54%). North India origin NRI come next at 23%, followed by western regions ones at 19%. This dominance of NRI from South India among online NRI is because of their very heavy presence in Gulf, where every 2 out of 3 NRI is a south Indian origin. South based NRI however make a significant proportion of the western country based online NRI as well. One in every 3 west-based online NRI is also from South India (36%). Here Indians with origin in North take a marginal lead over the south by accounting for 38% of the west-based online NRI. North India origin NRI forms only 10% of the gulf-based online NRI. Table 2: Regional Distribution by Place of Origin in India Region West-Based NRI Gulf-Based NRI Other NRI All NRI North 38% 10% 20% 23% East 6% 3% 4% 5% South 36% 68% 58% 54% West 20% 20% 18% 19% Base: 1,631 12
  • 19. NRI Online 2006 City of origin in India Kochi and Hyderabad stand out as cities from where gulf-based online NRI originally come more from, while for west based ones it is Hyderabad and Delhi. Table 3: Top 10 Cities by Place of Origin City West-Based NRI Gulf-Based NRI Other NRI All NRI Kochi 5% 18% 13% 12% Others from South India 5% 17% 12% 11% Hyderabad 10% 7% 10% 9% Mumbai 6% 11% 7% 8% Chennai 5% 7% 8% 7% Delhi 9% 3% 5% 6% Bangalore 5% 5% 5% 5% Others from North India 9% 3% 3% 5% Thiruvananthapuram 2% 7% 6% 5% Ludhiana 7% 0.1% 2% 3% Base: 1,631 13
  • 20. NRI Online 2006 Native language Malayalam tops as the native language of 40% of online gulf NRI’s. It is followed by Urdu, Tamil and Hindi in that order. Among western ones, Punjabi tops at 21%. It is followed by Hindi, Telugu and Gujrati. Table 4: Top 10 Native Languages Language West-Based NRI Gulf-Based NRI Other NRI All NRI Malayalam 9% 39% 26% 25% Hindi 13% 9% 10% 11% Tamil 8% 10% 10% 10% Urdu 3% 13% 10% 9% Punjabi 21% 1% 3% 9% Telugu 11% 4% 7% 7% Gujrati 10% 3% 6% 6% Kannada 5% 4% 3% 4% Konkani 0.8% 5% 2% 3% Marathi 3% 2% 2% 2% Base: 1,631 14
  • 21. NRI Online 2006 Online NRI are largely mature males Gender Women form 19% of online NRI. This is noticeably lower than the proportion women form among online Indians in India (25%). This may be largely because women form only 12% of gulf NRI. Among the west based NRI they form 28% of the online population, marginally higher than the online Indians in India. Chart 3: Gender Representation Male Female 100% 88% 82% 81% 72% 80% 60% 40% 28% 19% 19% 20% 12% 0% West-Based Gulf-Based NRI Other NRI All NRI NRI Base: 1,631 15
  • 22. NRI Online 2006 Age distribution Online NRI are significantly older in age than online Indians in India. While two-third of the online Indians (70%) in India are below 30 years of age, only about one-third online NRI (39%) are below 30 years in age. In fact even among the west-based online NRI, only 1 in 2 (47%) of them are under 30 years of age. Almost 3 out of four gulf-based online NRI are over 30 years of age. Chart 4: Distribution by Age Group 13 to 30 Years Above 30 Years 80% 71% 61% 58% 60% 53% 47% 42% 39% 40% 29% 20% 0% West-Based NRI Gulf-Based NRI Other NRI All NRI Base: 1,631 16
  • 23. NRI Online 2006 Marital status Though western online NRI are relatively younger in age, yet even 2 out of 3 of them (68%) are married. 78% of gulf-based online NRI are also married. Chart 5: Marital Status Single Married 80% 78% 69% 68% 62% 60% 35% 40% 31% 29% 21% 20% 0% West-Based NRI Gulf-Based NRI Other NRI All NRI Base: 1,631 17
  • 24. NRI Online 2006 Family size West-based online NRI have proportionately smaller size families. Almost 1 in 3 west-based online NRI (33%) has a family size up to 2 members in the family. In comparison only 18% of gulf-based online NRI have family size of 2 or less. Chart 6: Size of the Family They Represent Upto 2 Members More than 2 Members 100% 82% 82% 77% 80% 68% 60% 40% 33% 23% 18% 18% 20% 0% West-Based NRI Gulf-Based NRI Other NRI All NRI Average: 3.2 3.5 3.6 3.4 Base: 1,631 18
  • 25. NRI Online 2006 Only 1 in 5 west- based online NRI is a ‘techie’ Educational Qualification Proportionately as many online NRI from gulf are professionally qualified as from the western countries. Only 1 in 5 online NRI has a professional education/qualification, irrespective of whether they are west-based or gulf-based. However, west-based online NRI are otherwise significantly more educated with a much higher proportion of them having post-graduates and plus education levels (36%) than the gulf-based ones (17%). Table 5: Highest Level of Education Education West-Based NRI Gulf-Based NRI Other NRI All NRI Up to School 8% 10% 14% 10% Graduate 33% 48% 37% 39% Post Graduate 30% 16% 18% 21% Doctorate 6% 0.7% 2% 3% Professional Qualification 20% 22% 20% 21% Base: 1,631 19
  • 26. NRI Online 2006 Occupation Gulf-based online NRI work significantly more in the corporate sector. Two out of 3 of them work as corporate employees of various levels. In comparison, only 1 in 3 west-based online NRI (31%) work as a corporate employee. West-based online NRI are significantly more self-employed (21%) as against the gulf-based ones (13%). But most importantly, a bulk 40% of west-based online NRI come under unemployed/semi-employed categories (students, housewives, unspecified others) whereas only 17% of gulf-based online NRI come under these unemployed/semi-employed categories. Chart 7: Occupational Break Up 70% 67% 60% 45% 50% 40% 37% 40% 33% 31% 30% 30% 21% 21% 18% 17% 20% 13% 8% 7% 6% 10% 3% 0% West-Based NRI Gulf-Based NRI Other NRI All NRI Businessmen Self Employed Professionals Corporate Executives Others Base: 1,631 20
  • 27. NRI Online 2006 Functional background The west-based online NRI come relatively more from the IT sector (21%) in comparison to the gulf-based ones (11%). However, this still means that only 1 in 5 west-based online NRI is a ‘techie’, against the popular perception which almost assumes every second online NRI from the developed countries to be an IT professional. Chart 8: Field of Functional/Occupational Background IT/Software NON/IT Others 59% 60% 53% 53% 47% 50% 36% 40% 33% 32% 30% 30% 21% 20% 14% 11% 11% 10% 0% West-Based NRI Gulf-Based NRI Other NRI All NRI Base: 1,631 21
  • 28. NRI Online 2006 West-based online NRI are economically better off Household Incomes West-based online NRI earn significantly more than. Almost 4 out of 10 of them have monthly incomes over US$ 5,000. In comparison, only 14% gulf-based online NRI have such high level of incomes. In fact, almost half of the gulf-based online NRI have monthly incomes of less than US$ 2,000. Only a quarter of online western NRI have such low incomes. However, an equal proportion of gulf-based and west-based NRI come from the middle income NRI groups (between US$ 2,000 to US$ 5,000), at 38% each. Chart 9: Distribution by Monthly Income of the Household Less than US$ 2K US$ 2K - US$ 5K Above US$ 5k 50% 49% 48% 39% 40% 38% 37% 40% 36% 34% 30% 25% 24% 18% 20% 14% 10% 0% West-Based NRI Gulf-Based NRI Other NRI All NRI Base: 1,631 22
  • 29. NRI Online 2006 Vehicle ownerships While 3 out of 4 west-based online NRI (71%) own a car, only 1 in 2 gulf- based online NRI own a car (53%). In all about 58% of online NRI own a car, almost the double of what online Indians in India own (27%). Chart 10: Most Expensive Vehicle Owned by the Household Four Wheeler Two Wheeler Don’t own either 80% 72% 70% 60% 58% 53% 50% 50% 40% 32% 30% 26% 23% 27% 20% 20% 16% 9% 15% 10% 0% West-Based NRI Gulf-Based NRI Other NRI All NRI Base: 1,631 23
  • 30. NRI Online 2006 Gulf-based online NRI are more connected with India Emotional Connectivity Motivation for Staying Connected with India Family connection is what essentially keeps online NRI hooked to India. By and large two-thirds of online NRI, irrespective of whether they are bases in gulf or in the more developed parts of the world, feel that what binds them to India is their ‘family’ back home. Gulf ones highlight family connection somewhat more at 72%. At 63%, west-based ones also highlight this connection the most. Only about 1 in 4 online NRI feels connected to India essentially because of patriotic feelings for the home country or towards its culture and heritage. West-based ones do so marginally more at 24% than gulf-based ones at 19%. Chart 11: Motivation to Stay Connected with India Family Patriotic Feelings/ Culture & Heritage Property 80% 72% 66% 63% 63% 60% 40% 24% 23% 22% 19% 20% 5% 3% 3% 2% 0% West-Based NRI Gulf-Based NRI Other NRI All NRI Base: 1,631 24
  • 31. NRI Online 2006 Indian Role Models The online NRI look at APJ Abdul Kalam, Mahatma Gandhi and Manmohan Singh as bigger role models than business, sports or cinema celebrities. This is in contrast to role models the online Indians living in India have. Online Indians see business, sports and cinema celebrities like Amitabh Bachchan, Dhirubahi Ambani, Sachin Tendulkar or Shah Rukh Khan as the bigger role models in their lives (apart from their parents). Table 6: Top Ten Indian Role Models of Online NRI Role Models West-Based NRI Gulf-Based NRI Other NRI All NRI A P J Abdul Kalam 7% 12% 4% 8% Mahatma Gandhi 6% 5% 9% 7% Dr Manmohan Singh 4% 4% 3% 4% Amitabh Bacchan 3% 3% 4% 3% Father 3% 3% 3% 3% Mrs. Sonia Gandhi 1% 4% 2% 2% Sachin Tendulkar 3% 1% 3% 2% Aishwariya Rai 0.8% 2% 3% 2% Rajeev Gandhi 0.8% 3% 2% 2% Mother Teresa 2% 2% 1% 2% Base: 1,631 25
  • 32. NRI Online 2006 Physical connectivity Travel to India for Personal Reasons Online NRI travel to India more frequently for personal reasons, with almost 2 out 3 of them (69%) visiting India at least once in 3 months for this reason. The high frequency of travel to India is largely driven by the gulf-based online NRI, 80% of whom claim to travel to India that frequently. In comparison, only 54% of west-based NRI claim to travel to India at least once in 3 months for personal reasons. Online NRI travel relatively more with their families when traveling to India for personal reasons. Two out of 3 west-based online NRI (63%) travel with family on such occasions while only 1 in 2 gulf-based online NRI (50%) does so. Chart 12: Frequency of Visit to India for Personal Reasons At least once in 3 months Less than once in 3 months Never traveled to India 100% 81% 80% 73% 69% 60% 54% 35% 40% 23% 17% 18% 20% 11% 9% 8% 2% 0% West-Based NRI Gulf-Based NRI Other NRI All NRI Base: 1,631 26
  • 33. NRI Online 2006 Travel to India for professional reasons On the other hand, only about 1 in 3 online NRI (39%) travel to India at least once in 3 months for professional reasons. Here again the gulf-based online NRI travel more frequently with 41% of them traveling at least once in 3 months. In comparison, only 27% of west-based NRI travel to India that frequently for professional reasons. Chart 13: Frequency of Visit to India for Professional Reasons At least once in 3 months Less than once in 3 months Never traveled to India 60% 53% 48% 41% 41% 38% 39% 40% 31% 27% 21% 21% 21% 20% 20% 0% West-Based NRI Gulf-Based NRI Other NRI All NRI Base: 1,631 27
  • 34. NRI Online 2006 Communication connectivity Phone Calls for Personal Reason Online NRI call India significantly more for personal reasons than for professional reasons. While 1 in 4 online NRI (28%) calls India for personal reasons at least once a day, another 56% call at least once a week. The gulf-based online NRI call India relatively more frequently, with 92% of them calling India at least once a week for personal reasons (80% of west-based NRI also do so). Chart 14: Frequency of Calling India for Personal Reasons At least once a day At least once a week Less than a week/Never 80% 64% 59% 60% 56% 46% 40% 32% 28% 28% 23% 23% 19% 16% 20% 8% 0% West-Based NRI Gulf-Based NRI Other NRI All NRI Base: 1,631 28
  • 35. NRI Online 2006 Phone calls for professional reason In comparison, only 14% online NRI call India at least once a day for professional reasons, with another 20% calling once a week. The online NRI of both the groups call almost equally infrequently to India for professional reasons. Chart 15: Frequency of Calling India for Professional Reasons At least once a day At least once a week Less than a week/Never 100% 80% 72% 67% 66% 59% 60% 40% 22% 21% 21% 20% 18% 14% 20% 11% 11% 0% West-Based Gulf-Based NRI Other NRI All NRI NRI Base: 1,631 29
  • 36. NRI Online 2006 Emailing for personal reason Almost twice the proportions of online NRI (both gulf-based and west- based) ‘communicate’ with their family, friends and colleagues India on a daily basis using an email rather than a phone. Gulf-based online NRI email relatively more frequently for personal reasons. One in 2 out of them (49%) corresponds with people back home on email every day. In comparison, 41% of west-based online NRI email people back home everyday. Chart 16: Send or Receive E-Mails From/To India for Personal Reasons At least once a day At least once a week Less than a week/Never 49% 50% 48% 46% 41% 40% 34% 32% 31% 27% 27% 30% 26% 24% 17% 20% 10% 0% West-Based NRI Gulf-Based NRI Other NRI All NRI Base: 1,631 30
  • 37. NRI Online 2006 Emailing for professional reason Once again both the online NRI groups email for professional reasons significantly less frequently. Only 1 in 2 gulf-based ones (25%) email someone in India for professional reasons, while a marginally lower 21% of west-based online NRI do the same. Chart 17: Send or Receive E-Mails From/To India for Professional Reasons At least once a day At least once a week L h k/N 70% 59% 60% 53% 52% 47% 50% 40% 27% 25%23% 25% 30% 24%23% 21%21% 20% 10% 0% West-Based NRI Gulf-Based NRI Other NRI All NRI Base: 1,631 31
  • 38. NRI Online 2006 Informational connectivity Medium used for staying updated on India While 2 out of 3 west-based NRI (64%) prefer to stay updated with happenings in India using the Internet more, only about 1 in 3 gulf- based online NRI (39%) prefers to do so. In fact, a noticeably higher proportion of the gulf-based online NRI (48%) prefer to update themselves about Indian happening through the electronic media (TV largely). Only 1 in 5 west-based NRI (19%) prefers electronic media to check happening about India. Chart 18: Preferred Medium to Follow Happenings in India Internet Eloctronic Media Print Media 70% 64% 60% 49% 48% 50% 44% 39% 40% 35% 34% 30% 21% 19% 16% 20% 13% 13% 10% 0% West-Based NRI Gulf-Based NRI Other NRI All NRI Base: 1,631 32
  • 39. NRI Online 2006 Usage of electronic medium Two out of 3 online NRI (69%) watch Indian programs on TV daily. While 86% of gulf-based online NRI watch Indian programs on TV daily only 50% of west-based ones do so daily. Chart 19: Frequency of Watching Indian TV Programs At least once a day At least once a week Less than a week/Never 100% 86% 80% 72% 69% 60% 50% 40% 29% 21% 18% 18% 13% 20% 11% 7% 7% 0% West-Based Gulf-Based NRI Other NRI All NRI NRI Base: 1,631 33
  • 40. NRI Online 2006 Usage of print medium Two out of 3 online NRI (69%) read Indian newspaper and magazine daily as well. While 81% of gulf-based online NRI read about India in the print medium daily only 60% of the west-based ones do so daily. Chart 20: Frequency of Reading Indian Newspaper & Magazines At least once a day At least once a week Less than a week/Never 100% 81% 80% 69% 66% 60% 60% 40% 22% 18% 17%16% 17% 14% 20% 13% 6% 0% West-Based NRI Gulf-Based NRI Other NRI All NRI Base: 1,631 34
  • 41. NRI Online 2006 Usage of internet medium Compared to a significantly higher 2 out of 3 online NRI (69%) relying on the conventional 'offline' mediums to stay in touch with India on a daily basis, only 1 in 2 online NRI (52%) surfs the net on a daily basis to check Indian content. Between the two online NRI groups, the gulf-based ones surf the net as regularly as the west-based ones to check Indian content (56% versus 54% respectively), though they use the offline mediums significantly more than the west-based ones to watch or read about India. Chart 21: Frequency of Surfing Indian Content on Internet At least once a day At least once a week Less than a week/Never 60% 56% 54% 52% 50% 45% 40% 27%28% 26% 30% 26% 25% 23% 22% 18% 20% 10% 0% West-Based NRI Gulf-Based NRI Other NRI All NRI Base: 1,631 35
  • 42. NRI Online 2006 Information sought about India They have a keen eye on India's progress and stability. By and large online NRI are more interested in content about ‘economic progress” in India, followed thereafter about the general happenings in India, including political happenings. Interestingly, this is in quite a variance to what generally online Indians in India are interested in content about India. Compared to the online NRI, the online Indians show far greater interest in entertainment content (sports, cinema, lifestyle, etc.) And far less in the economic progress and political developments in the country. Table 7: Happenings in India NRI Want to Stay Updated On Interest Areas West-Based NRI Gulf-Based NRI Other NRI All NRI Economic Progress 58% 63% 53% 58% General Happenings 57% 57% 44% 53% Sports 47% 51% 48% 49% Politics 55% 51% 38% 48% Cinema 54% 38% 42% 44% Social Progress 44% 41% 33% 39% Religion/Spirituality 44% 36% 37% 39% Lifestyle Trends 30% 26% 32% 29% Fashion 24% 15% 25% 21% Social Progress 14% 14% 13% 13% Others 7% 4% 9% 7% Base: 1,629 36
  • 43. NRI Online 2006 Entertainment Connectivity Indian Movies Only 1 in 3 online NRI (35%) watch Indian movies on a daily basis. The gulf-based online NRI watch Indian movies relatively more regularly, with 36% of them doing so everyday. In comparison, a lower 29% of the west-based NRI watch Indian movies everyday. Chart 22: Frequency of Watching Indian Movies At least once a day At least once a week 60% Less than a week/Never 50% 42% 40% 40% 39%38% 40% 36% 35% 31% 30% 29% 26% 24% 22% 20% 10% 0% West-Based NRI Gulf-Based NRI Other NRI All NRI Base: 1,631 37
  • 44. NRI Online 2006 Indian sports Again only 1 in 3 online NRI (36%) watch Indian sports on a daily basis. The gulf-based online NRI follow the Indian sports content significantly more regularly, with 47% of them doing so everyday. In comparison, only 22% of the west-based NRI check Indian sports content everyday. Chart 23: Frequency of Watching Indian Sports At least once a day At least once a week Less than a week/Never 70% 60% 51% 50% 47% 40% 40% 34% 36% 31% 30%30% 29% 27% 30% 22% 22% 20% 10% 0% West-Based Gulf-Based NRI Other NRI All NRI NRI Base: 1,631 38
  • 45. NRI Online 2006 Indian music However, a significantly higher 3 out of 4 online NRI (75%) listens to Indian music everyday. The gulf-based online NRI listen to Indian music also noticeably more regularly. While 77% of them listen to Indian music on a daily basis, a relatively lower 70% of the west-based NRI listen to Indian music everyday. Chart 24: Frequency of Listening to Indian Music At least once a day At least once a week Less than a week/Never 100% 76% 80% 77% 75% 70% 60% 40% 18% 13% 15% 14% 13% 11% 20% 11% 9% 0% West-Based NRI Gulf-Based NRI Other NRI All NRI Base: 1,631 39
  • 46. NRI Online 2006 Indian fashion The proportion of online NRI who check Indian fashion on a daily basis are the least at only 17%. The gulf-based online NRI also follow the Indian fashion trends marginally more regularly than the west-based online NRI. While 16% of gulf-based online NRI follow Indian fashion trend on a daily basis, only a marginally lower 13% of west-based ones also do so. Chart 25: Frequency of Checking Out Fashion Trends in India At least once a day At least once a week Less than a week/Never 80% 70% 65% 62% 60% 54% 60% 50% 40% 30% 24% 23% 22% 23% 23% 17% 20% 16% 13% 10% 0% West-Based NRI Gulf-Based NRI Other NRI All NRI Base: 1,631 40
  • 47. NRI Online 2006 Financial connectivity Current ownerships of assets in India Almost 2 out of 3 online NRI already have bank accounts and houses back in India (almost 70% have each). One in 2 (51%) also owns some land. Only 1 in 5 (21%) has invested money in shares in India. Among the two groups of online NRI, the gulf-based ones not only show relatively higher current ownership of both physical and financial assets in India. Table 8: Current Asset Ownerships in India Assets West-Based NRI Gulf-Based NRI Other NRI All NRI Bank Accounts 70% 75% 66% 70% House 68% 71% 69% 69% Land 47% 53% 52% 51% Deposit 38% 40% 36% 38% Shares 22% 24% 18% 21% Others 5% 5% 3% 4% Base: 1,555 41
  • 48. NRI Online 2006 Future plans for making financial investments in India Despite fairly high current ownership of assets in India, a significant proportion of online NRI would like to invest further in India, especially in physical assets. Almost half the online NRI would like to invest in a house or land in India in the near future. In comparison only around 1 in 4 online NRI (between 26% to 30%) would like to invest in financial assets. The gulf-based online NRI show relatively higher propensity to make further investments in shares and deposits in India as compared to the west-based ones. The west-based ones show a relatively higher propensity for opening bank accounts in India. Table 9: Plans for Future Financial Investments in India Assets West-Based NRI Gulf-Based NRI Other NRI All NRI House 49% 48% 49% 49% Land 46% 48% 43% 46% Shares 28% 37% 25% 30% Deposit 29% 32% 27% 29% Bank Accounts 28% 21% 28% 26% Others 4% 5% 3% 4% Base: 1,531 42
  • 49. NRI Online 2006 Remitting money to India Almost 2 out of 3 online NRI remitting money to India at least once a month. Significantly more gulf-based online NRI remit money to India with higher frequency than the west-based ones. Nine out of 10 online NRI based in the gulf (87%) remit money to India at least once a month. In comparison, only 1 in 2 west-based NRI (47%) remits money to India at least once a month. Chart 26: Frequency of Remitting Money to India At least once a month Once in 3 months Once in less than 3 months 100% 87% 80% 66% 65% 60% 47% 32% 40% 22% 21% 20% 14% 13% 20% 8% 5% 0% West-Based Gulf-Based NRI Other NRI All NRI NRI Base: 1,631 43
  • 50. NRI Online 2006 Preferred mode of remitting money When it comes to the mode of remitting money to India, contrary to the popular perception, it is the gulf-based online NRI who trust the banking modes of transferring funds to India relatively more (both online and offline banking modes). While only 2 out of 3 west-based online NRI (65%) prefer to remit money through online or offline bank based transfers or transactions, a significantly higher 80% gulf-based online NRI rely on such modes of transfer. This higher preference for banking modes by the gulf-based online NRI may have something to do with the fact that they remit money to India much more frequently. Chart 27: Preferred Mode of Remitting Money to India Online Transactions Offline Transactions Cash Transactions 50% 43% 37% 38% 36% 39% 40% 33% 32% 29% 27% 30% 25% 24% 19% 20% 10% 0% West-Based Gulf-Based NRI Other NRI All NRI NRI Base: 1,631 On the whole, all this data clearly suggests that the gulf-based online NRI not only show higher physical, financial and communication connectivity with India but also more informational and entertainment- related connectivity as well. It is only in emotional connectivity that the west-based online NRI are almost equally glued to India. 44
  • 51. NRI Online 2006 West-based NRI are more 'online' Online connectivity Regularity of internet usage Almost 2 out of 3 online NRI (69%) log on to the net several times a day. In fact, 9 out of 10 online NRI (92%) use the net on a daily basis. Though fairly high proportions of both group of online NRI use the Internet daily (97% and 94% respectively), a noticeably higher proportion of west-based online NRI (80%) access the net several times a day. Only 71% of gulf-based ones access it several times a day. Chart 28: Frequency of Using Internet Several times a day Once a day Once a week or less 100% 80% 80% 69% 71% 57% 60% 40% 28% 23% 23% 17% 20% 8% 3% 2% 2% 0% West-Based Gulf-Based NRI Other NRI All NRI NRI Base: 975 45
  • 52. NRI Online 2006 Experience in internet usage Eight out of 10 online NRI (80%) have experience of 2 or more years in using the net. With 87% of them using the net already for 2 years or more, the gulf- based online NRI are marginally more experienced net users than the west-based ones, only 84% of whom have that level of net usage experience. This could be largely because the west-based online NRI have a significantly higher proportion of students and non-working users in their base, while gulf-based online NRI are mostly the working ones. Chart 29: Years of Experience in Using Internet Upto 2 Years More than 2 Years 100% 87% 84% 80% 80% 66% 60% 34% 40% 20% 16% 13% 20% 0% West-Based Gulf-Based NRI Other NRI All NRI NRI Base: 975 46
  • 53. NRI Online 2006 Internet users per family Over 40% of all NRI have more than 2 members in the household using the Internet. This means that on an average, there are 2.5 Internet users per NRI household. This is significantly higher than the average Internet users per household of 1.7 among the online Indians living in India. Only 1 out of 3 gulf-based online NRI (33%) come from a household that has more than 2 members in the household using the net. In comparison 45% of west-based online NRI come from such households. As a result of this, west-based NRI shows noticeably higher net users per household at an average of 2.6. In comparison, the gulf-based online NRI have only 2.2 users per household. Chart 30: Number of Family Member Using the Internet Upto 2 Members More than 2 Members 100% 80% 67% 59% 60% 55% 52% 45% 48% 41% 40% 33% 20% 0% West-Based NRI Gulf-Based NRI Other NRI All NRI Average: 2.6 2.2 2.7 2.5 Base: 975 47
  • 54. NRI Online 2006 Gulf NRI access Internet more from office, west ones more from homes Place of access Almost 2 out of 3 online NRI (67%) use the net from home, with an almost equal proportion also using it from offices. At 90%, the west- based online NRI also access the net significantly more from homes. In comparison, only 58% of the gulf-based online NRI access the net from homes. The story is almost the reverse when it comes to net usage from office. While the gulf-based ones access the net significantly more from offices at 82%, only 57% of the west-based ones access it from the office. Further, whether based in the gulf or in the west, online NRI use the net mainly from home or office. Very few of them access the net from cyber cafes. Only 4% of west-based online NRI and 14% of gulf-based ones access the net from cyber cafes. On the whole, though both the groups access the net from distinct places, the fact remains that both the groups access the net equally regularly. Chart 31: Place of Accessing Internet Office Home Cyber-Café 100% 90% 82% 80% 69% 67% 60% 60% 57% 59% 58% 40% 19% 14% 12% 20% 4% 0% West-Based Gulf-Based NRI Other NRI All NRI NRI Base: 975 48
  • 55. NRI Online 2006 Type on connection at home The reason why gulf-based online NRI access the net more from office and less from homes is clear from the fact that not only 1 in 4 of them does not have an internet connection at home, but also another 2 out of 4 have only a regular dial up connection. So effectively, only 1 in 4 gulf-based online NRI has a broadband connection at home. In sharp contrast to this, 3 out of 4 west-based online NRI (77%) using the net from home have broadband access from home. This may be facilitating higher home-based Internet usage among them. On the whole, only 1 in 2 online NRI (48%) who use the Internet from home has a broadband connection at home. Interestingly, this is marginally lower than the proportion of online Indians using the Internet from home with broadband access (52%). Chart 32: Type of Internet Connection at Home No Internet at Home Regular dial up connection Broadband Connection 77% 80% 60% 48% 42% 47% 40% 26% 30% 25% 25%28% 18% 20% 11% 6% 0% West-Based NRI Gulf-Based NRI Other NRI All NRI Base: 975 49
  • 56. NRI Online 2006 Duration of net usage from home Almost 3 out of 4 online NRI (76%) are light to medium users of the Internet from homes. Only 1 in 4 of them uses the net for more than 2 hours a day. West-based NRI are the relatively heavier users of the net. A significantly higher 35% of them use the net on an average for more than 2 hours a day from home. In comparison, only 14% of the gulf- based ones use the net for more than 2 hours a day from home. Chart 33: Time Spent on Internet at Home Upto 2 Hours More than 2 Hours 100% 86% 79% 76% 80% 65% 60% 35% 40% 24% 21% 14% 20% 0% West-Based NRI Gulf-Based NRI Other NRI All NRI Base: 838 50
  • 57. NRI Online 2006 Duration of net usage from office Almost 2 out of 3 online NRI (64%) are also light to medium users of the Internet from offices. However, with 1 in 3 of them using the net for more than 2 hours a day from office, online NRI are relatively heavier users of the net from office than from homes. Gulf-based online NRI are almost as heavy users of the net from office as the west-based ones (37% to 39% of both groups' NRI use the net for more than 2 hours a day on an average from the office). Chart 34: Time Spent on Internet at Office Upto 2 Hours More than 2 Hours 80% 69% 64% 63% 61% 60% 39% 37% 36% 40% 31% 20% 0% West-Based Gulf-Based NRI Other NRI All NRI NRI Base: 781 51
  • 58. NRI Online 2006 Both surf for Indian content almost equally Duration of surfing Indian content from home When it comes to the surfing Indian content on the net from home, only 7% of the west-based online NRI do so for more than 2 hours a day, while 3% of the gulf-based ones surf it for those durations. In other words, almost 20% each of the west-based and gulf-based online NRI (or 1 in 5 of them) who use the Internet to check Indian content from home do so for more than 2 hours a day on an average. Chart 35: Time Spent on Internet at Home to Check Indian Content Upto 2 Hours More than 2 Hours 94% 98% 100% 93% 90% 80% 60% 40% 20% 10% 7% 6% 3% 0% West-Based Gulf-Based NRI Other NRI All NRI NRI Base: 830 52
  • 59. NRI Online 2006 Duration of surfing Indian content from office The story is no different for usage of Indian content from the offices as well. While only 4% of the west-based online NRI who access the net from office check Indian content online for more than 2 hours a day from there, a marginally higher 8% of the gulf-based ones use it for those durations from office. In other words, while only 10% of the west-based online NRI who use the Internet to check Indian content from office do so for more than 2 hours a day, a noticeably higher 20% of the gulf-based online NRI who use the Internet to check Indian content from office do so for more than 2 hours a day. Chart 36: Time Spent on Internet at Office to Check Indian Content Upto 2 Hours More than 2 Hours 97% 93% 100% 92% 92% 80% 60% 40% 20% 8% 8% 7% 4% 0% West-Based Gulf-Based NRI Other NRI All NRI NRI Base: 720 53
  • 60. NRI Online 2006 Politics and economy are the most surfed Indian content Indian content surfed online Irrespective of whether they are based in gulf or in the more developed parts of the world, all online NRI check the political and economic development of the country much more than anything else on the net. Thereafter, Indian sports content is checked relatively more by the gulf-based ones on the net, while Indian cinema and music content is checked relatively more by the west-based ones. Gulf-based online NRI also check health and fitness related Indian content also relatively more on the net, while west-based ones check religious and spirituality and cultural heritage content relatively more. Table 10: Indian Content Sought Online More Contents West-Based NRI Gulf-Based NRI Other NRI All NRI Politics 72% 71% 65% 70% Business / Economy 60% 63% 63% 62% Sports 51% 62% 60% 58% Music & Cinema 57% 45% 53% 52% Science / Technology 38% 38% 41% 39% Stocks / Shares / Interest Rates 33% 38% 32% 35% Traveling / Tourism 30% 34% 32% 32% Relationship / Friendship 27% 30% 35% 31% Culture / Heritage 33% 24% 36% 31% Spirituality / Religion 33% 27% 28% 29% Health / Fitness 20% 33% 29% 27% Picture Gallery / Video Gallery 25% 24% 27% 25% Astrology 26% 24% 24% 25% Food and Recipes 31% 21% 22% 25% Cartoon / Jokes 23% 19% 28% 23% Personality / Celebrity Interviews 22% 23% 23% 23% Glamour / Fashion / Lifestyle 19% 21% 28% 22% Community Building 16% 10% 17% 14% Charity / Donations 10% 9% 12% 10% Base: 975 54
  • 61. NRI Online 2006 Gulf ones buy from Indian websites relatively more Online buying Almost 6 out of 10 online NRI (59%) buy from the Internet. While only 1 in 2 gulf-based online NRI (50%) has ever bought online, 3 out of 4 west-based online NRI (73%) have bought online. West-based ones are the more regular online shoppers as well. Against only 24% of the gulf-based online NRI shopping online at least once a month, an almost double that proportion of west-based online NRI (42%) shop online that frequently. Chart 37: Frequency of Buying Online At least once a month Once in Less than a month Never shopped online 60% 50% 50% 45% 42% 41% 40% 31% 31% 29% 28% 27% 26% 30% 26% 24% 20% 10% 0% West-Based NRI Gulf-Based NRI Other NRI All NRI Base: 975 55
  • 62. NRI Online 2006 Online buying for Indian products or services Almost 4 out of 10 online NRI (44%) buy from an Indian website. As 59% of all online NRI buy online, clearly there are about 15% online NRI who buy online but do not buy from an Indian website. This means that 3 out of 4 online NRI (75%) who buy online also buys from an Indian website. While only 1 in 2 west-based online NRI (49%) has ever shopped from an Indian website, 40% of the gulf-based ones have also shopped from Indian websites. So proportionately more gulf-based online NRI who buy online buy from the Indian websites. That is, 82% of gulf-based NRI who buy online also buy from an Indian websites, while only 70% of west-based NRI who buy online also buys from an Indian website. However in terms of the frequency of buying from Indian websites, less than 2 out of 10 online NRI from each of the groups are really the regular online NRI buyers from these Indian websites. West-based ones buy marginally more regularly from Indian websites, with 18% of them buying at least once a month from these websites. Chart 38: Frequency of Buying Online on Indian Websites At least once a month Once in Less than a month Never shopped online 80% 60% 60% 56% 60% 49% 40% 33% 28% 28% 22% 19% 16% 18% 20% 13% 0% West-Based NRI Gulf-Based NRI Other NRI All NRI Base: 975 56
  • 63. NRI Online 2006 Average spends on Indian websites Online NRI from both the groups show almost an equal proportion of heavy online spenders buying from the Indian websites. Only 5% from each of the groups spend on an average more than US$ 500 a month with these websites. However, a noticeably higher 45% of west-based online NRI are light to medium spenders on these websites (as against only 35% of the gulf- based ones). Chart 39: Average Monthly Spends When Buying from Indian Websites Never Shop Online Upto $500 More than $500 70% 65% 58% 60% 60% 50% 45% 50% 36% 35% 40% 27% 30% 20% 8% 6% 5% 10% 5% 0% West-Based NRI Gulf-Based NRI Other NRI All NRI Base: 975 57
  • 64. NRI Online 2006 Popular items bought from Indian websites Air tickets are the most bought items online from the Indian websites for both groups of online NRI. Almost half the online shopping NRI from both the groups who shop from Indian websites buy air tickets online. The other popularly bought online products from the Indian websites are CD and DVDs, books and magazines, gifts and travel and tour packages. Between the two groups, the products that the west-based online NRI buy relatively more from Indian websites are CD and dvds, gifts for relatives in India, Indian spices and food, jewelry and handicraft items. On the other hand, the items that the gulf-based online NRI buy relatively more from these websites are only books and magazines. Table 11: Products Or Services Bought from Indian Websites Products West-Based NRI Gulf-Based NRI Other NRI All NRI Air ticket 44% 47% 42% 45% CDs & DVDs 36% 23% 36% 31% Books & Magazines 26% 34% 31% 31% Gifts for relatives in India 34% 22% 19% 25% Travel / Tour Packages 21% 22% 19% 20% Clothes / Shoes / Fashion accessories 18% 14% 16% 16% Indian Spices / Food Items 17% 6% 16% 13% Jewellery 12% 8% 14% 11% Toys / Games 8% 9% 14% 10% Indian Festival Gifts for Self 11% 8% 11% 10% Ayurvedic Products / Medicine 11% 8% 10% 10% Herbal Beauty products 7% 7% 14% 9% Perfumes 7% 5% 12% 8% Handicraft items 10% 4% 9% 8% Furniture / Fixtures 5% 2% 4% 4% Base: 939 58