Low rate of savings and investments:
Although national income increased during the planning periods, population also grew at a fast rate. So, the per capita national income increased at a lower rate as compared to national income.
Owing to low per capita income and expenses to be incurred to provide the basic necessities to the large population India’s savings and investment remained low.
Hence, India could not make adequate investment in industry, agriculture or other sectors and so could not create much employment opportunities.