New Delhi [India], January 10 (ANI): Household (HH) debts have gone up due to increased financial inclusion amid increased wealth because of increased investments in real estate and equities according to a recent report 'India Strategy' by DAM Capital."due to increasing financial penetration. 18.3 per cent of adults have some outstanding loan, rural male more likely to have debt. But, Wealth effect kicking in: HH's GFA to