According to a pilot survey conducted by the National Statistical Office (NSO), nearly 79% of households in India funded their construction activities using personal income and informal loans from relatives over the past year. Only 21% of households accessed institutional finance. The survey, which took place between July and December 2025, included data from 19,154 households and 4,470 unincorporated enterprises involved in construction. It found that close to one crore households engaged in some form of construction during this period. Expenditure on materials constituted nearly 75% of the total costs, with bricks, cement, iron, and steel making up about 60% of these material costs. Access to institutional loans was notably higher in rural areas, where 23% of households reported using them, compared to 13% in urban areas. Among the states, Maharashtra had the highest percentage of households utilizing institutional finance, followed by West Bengal and Karnataka. This survey aims to shed light on the output, employment, and capital formation in the unincorporated construction sector, which plays a crucial role in the Indian economy.