This Working Paper focuses on the pattern and costs
of services in four areas, which critically affect most households in Kerala.
The major concerns of this Working Paper include answers to questions
such as: How much did Kerala households spend for education of their
children, for treatment of common and chronic diseases among their
members, and for securing medical services related to pregnancy and
childbirth? What is the extent of household indebtedness in Kerala? At
what cost households secure loans for household and personal needs
from banks and other financial institutions
