11.5 : Bank Group-Wise and occupation-wise Weighted Average Lending Rate and Deposit Rate : 2002 and 2003 - আৰবিআই - Reserve Bank of India
11.5 : Bank Group-Wise and occupation-wise Weighted Average Lending Rate and Deposit Rate : 2002 and 2003
(in percent) |
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|
|
|
As on March |
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|
|
State Bank of India |
Nationalised |
Foreign |
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Occupation |
and its Associates |
Banks |
Banks |
|||
2002 |
2003 |
2002 |
2003 |
2002 |
2003 |
|
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
Weighted Average Lending Rate |
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I. Agriculture |
13.52 |
13.12 |
13.81 |
13.2 |
13.55 |
12.66 |
1. Direct Finance |
13.7 |
13.09 |
14.37 |
13.53 |
15.23 |
12.68 |
2. Indirect Finance |
13.39 |
13.16 |
13.46 |
12.91 |
13.39 |
12.48 |
II. Industry |
13.13 |
12.6 |
14.07 |
13.73 |
13.99 |
14.74 |
1. Mining & Quarrying |
10.77 |
9.54 |
13.85 |
13.56 |
13.6 |
15.59 |
2. Manufacturing & Processing |
13.48 |
13.05 |
14.2 |
13.87 |
13.9 |
14.71 |
3. Electricity, Gas & Water |
12.79 |
12.57 |
13.58 |
12.98 |
14.94 |
15.47 |
4. Construction |
13.6 |
12.56 |
13.28 |
13.4 |
14.98 |
14.47 |
III. Transport Operators |
13.74 |
13.46 |
13.11 |
13.3 |
13.37 |
12.83 |
IV. Professional And Other Services |
13.65 |
13.06 |
14.44 |
13.66 |
14.76 |
14.64 |
V. Personal Loans |
12.35 |
11.85 |
12.66 |
12.24 |
15.06 |
14.78 |
1. Loans for Purchase of Consumer Durables |
13.88 |
13.92 |
14.51 |
14.4 |
16.55 |
19 |
2. Loans for Housing |
11.69 |
11.13 |
11.83 |
11.4 |
13.82 |
13.73 |
3. Rest of the Personal Loans |
13.95 |
13.93 |
14.05 |
13.75 |
15.9 |
15.97 |
VI. Trade |
12.19 |
11.62 |
12.86 |
12.56 |
14.36 |
14.47 |
1. Wholesale Trade |
11.96 |
11.39 |
12.51 |
12.13 |
14.59 |
14.64 |
2. Retail Trade |
13.92 |
13.2 |
14.68 |
14.16 |
14.05 |
14.33 |
VII. Finance |
11.96 |
12.74 |
12.32 |
12.49 |
13.9 |
14.17 |
VIII. All Others |
13.62 |
12.96 |
13.89 |
13.6 |
17.55 |
16.68 |
Total Bank Credit |
12.92 |
12.44 |
13.53 |
13.2 |
14.33 |
14.68 |
OF WHICH: 1. Artisans & Village Industries |
13.77 |
12.76 |
15.16 |
14.57 |
19.56 |
19.55 |
2. Other Small Scale Industries |
13.57 |
13.01 |
14.84 |
14.06 |
13.14 |
12.84 |
Weighted Average Deposit Rate |
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Of Term Deposits |
9.63 |
8.62 |
9.6 |
8.66 |
7.53 |
6.67 |
Note |
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1. The lending rates are based on the accounts with credit limit of over 2 lakhs. |
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2. The lending rates are exclusive of inland & Foreign Bills purchased and discounted. |
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3. Amount of Outstanding Credits are used as weights for calculating average lending rates. |
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4. The data on average deposit rate are based on 56281 reporting branches out of 65457 total branches. |
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5. For Computation of Deposit Rate Mid-points of the interest rate range were taken as values and total deposit amount in |
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the range as weights |
TABLE 11.5 : BANK GROUP-WISE AND OCCUPATION-WISE WEIGHTED AVERAGE |
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LENDING RATE AND DEPOSIT RATE : 2002 AND 2003 |
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|
|
|
|
|
(in per cent) |
|
|
As on March |
|
|
|
|
|
Regional Rural |
Other Scheduled |
All Scheduled |
||||
Occupation |
Banks |
Commercial Banks |
Commercial Banks |
|||
2002 |
2003 |
2002 |
2003 |
2002 |
2003 |
|
|
(7) |
(8) |
(9) |
(10) |
(11) |
(12) |
Weighted Average Lending Rate |
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I. Agriculture |
15.51 |
14.75 |
14.74 |
14.26 |
13.87 |
13.33 |
1. Direct Finance |
15.53 |
14.78 |
15.55 |
14.3 |
14.38 |
13.56 |
2. Indirect Finance |
15.33 |
14.37 |
14.06 |
14.19 |
13.5 |
13.09 |
II. Industry |
15.38 |
14.51 |
14.59 |
14.17 |
13.98 |
13.68 |
1. Mining & Quarrying |
15.97 |
15.16 |
13.9 |
13.04 |
12.16 |
11.4 |
2. Manufacturing & Processing |
15.68 |
14.97 |
14.64 |
14.23 |
14.13 |
13.87 |
3. Electricity, Gas & Water |
16.38 |
14.85 |
14.05 |
14.01 |
13.58 |
13.26 |
4. Construction |
14.67 |
13.65 |
14.99 |
14.18 |
13.88 |
13.54 |
III. Transport Operators |
15.73 |
14.85 |
14.72 |
14.12 |
13.7 |
13.58 |
IV. Professional And Other Services |
15.68 |
14.84 |
15.24 |
14.06 |
14.73 |
13.89 |
V. Personal Loans |
12.3 |
12.22 |
14.26 |
13.67 |
13.17 |
12.66 |
1. Loans for Purchase of Consumer Durables |
16.06 |
15.26 |
15.69 |
15.78 |
14.53 |
14.34 |
2. Loans for Housing |
11.38 |
11.42 |
13.23 |
11.62 |
12.13 |
11.6 |
3. Rest of the Personal Loans |
15.1 |
14.42 |
15.17 |
14.91 |
14.69 |
14.42 |
VI. Trade |
15.82 |
14.78 |
14.61 |
13.92 |
12.87 |
12.52 |
1. Wholesale Trade |
15.99 |
14.92 |
13.88 |
13.46 |
12.46 |
12.04 |
2. Retail Trade |
15.76 |
14.74 |
15.71 |
14.37 |
14.76 |
14.09 |
VII. Finance |
13.77 |
13.18 |
13.77 |
13.5 |
12.74 |
12.89 |
VIII. All Others |
15.14 |
14.39 |
14.11 |
13.95 |
13.9 |
13.58 |
Total Bank Credit |
14.88 |
14.21 |
14.57 |
14.05 |
13.66 |
13.31 |
OF WHICH: 1. Artisans & Village Industries |
15.68 |
14.94 |
15.2 |
14.77 |
14.03 |
13.32 |
2. Other Small Scale Industries |
15.67 |
15.04 |
15.02 |
14.08 |
14.54 |
13.82 |
Weighted Average Deposit Rate |
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Of Term Deposits |
10.79 |
9.89 |
9.8 |
8.85 |
9.61 |
8.68 |
Note |
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1. The lending rates are based on the accounts with credit limit of over 2 lakhs. |
||||||
2. The lending rates are exclusive of inland & Foreign Bills purchased and discounted. |
||||||
3. Amount of Outstanding Credits are used as weights for calculating average lending rates. |
||||||
4. The data on average deposit rate are based on 56281 reporting branches out of 65457 total branches. |
||||||
5. For Computation of Deposit Rate Mid-points of the interest rate range were taken as values and total |
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