15. Deployment of Gross Bank Credit by Major Sectors - আৰবিআই - Reserve Bank of India
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জুন 25, 2025
15. Deployment of Gross Bank Credit by Major Sectors
| (₹ Crore) | ||||||
| Sector | Outstanding as on | Growth(%) | ||||
| Mar. 21, 2025 | 2024 | 2025 | Financial year so far | Y-o-Y | ||
| Apr. 19 | Mar. 21 | Apr. 18 | 2025-26 | 2025 | ||
| 1 | 2 | 3 | 4 | % | % | |
| I. Bank Credit (II + III) | 18243936 | 16491796 | 18243936 | 18186759 | -0.3 | 10.3 |
| (17822569) | (15970978) | (17822569) | (17774269) | (-0.3) | (11.3) | |
| II. Food Credit | 36531 | 18090 | 36531 | 32126 | -12.1 | 77.6 |
| III. Non-food Credit | 18207404 | 16473706 | 18207404 | 18154634 | -0.3 | 10.2 |
| (17786038) | (15952888) | (17786038) | (17742144) | (-0.2) | (11.2) | |
| 1. Agriculture & Allied Activities | 2287071 | 2115986 | 2287071 | 2309631 | 1.0 | 9.2 |
| 2. Industry (Micro and Small, Medium and Large) | 3937149 | 3655455 | 3937149 | 3895471 | -1.1 | 6.6 |
| (3925090) | (3639138) | (3925090) | (3883660) | (-1.1) | (6.7) | |
| 2.1 Micro and Small | 791721 | 731994 | 791721 | 798669 | 0.9 | 9.1 |
| 2.2 Medium | 360475 | 309427 | 360475 | 365378 | 1.4 | 18.1 |
| 2.3 Large | 2784953 | 2614034 | 2784953 | 2731423 | -1.9 | 4.5 |
| 3. Services | 5161462 | 4605915 | 5161462 | 5088547 | -1.4 | 10.5 |
| (5094021) | (4509188) | (5094021) | (5012374) | (-1.6) | (11.2) | |
| 3.1 Transport Operators | 258409 | 234760 | 258409 | 260093 | 0.7 | 10.8 |
| 3.2 Computer Software | 32915 | 24774 | 32915 | 33451 | 1.6 | 35.0 |
| 3.3 Tourism, Hotels & Restaurants | 83091 | 77054 | 83091 | 84692 | 1.9 | 9.9 |
| 3.4 Shipping | 7305 | 6884 | 7305 | 7778 | 6.5 | 13.0 |
| 3.5 Aviation | 46026 | 44998 | 46026 | 46540 | 1.1 | 3.4 |
| 3.6 Professional Services | 195956 | 173429 | 195956 | 194449 | -0.8 | 12.1 |
| 3.7 Trade | 1186787 | 1020885 | 1186787 | 1163877 | -1.9 | 14.0 |
| 3.7.1. Wholesale Trade1 | 648619 | 537086 | 648619 | 621874 | -4.1 | 15.8 |
| 3.7.2 Retail Trade | 538168 | 483799 | 538168 | 542003 | 0.7 | 12.0 |
| 3.8 Commercial Real Estate | 532757 | 468803 | 532757 | 549472 | 3.1 | 17.2 |
| (488689) | (402521) | (488689) | (503090) | (2.9) | (25.0) | |
| 3.9 Non-Banking Financial Companies (NBFCs)2 of which, | 1636098 | 1564519 | 1636098 | 1610587 | -1.6 | 2.9 |
| 3.9.1 Housing Finance Companies (HFCs) | 323146 | 330115 | 323146 | 314881 | -2.6 | -4.6 |
| 3.9.2 Public Financial Institutions (PFIs) | 228678 | 232074 | 228678 | 220806 | -3.4 | -4.9 |
| 3.10 Other Services3 | 1182118 | 989810 | 1182118 | 1137607 | -3.8 | 14.9 |
| (1166422) | (969994) | (1166422) | (1116037) | (-4.3) | (15.1) | |
| 4. Personal Loans | 5952299 | 5346354 | 5952299 | 5980893 | 0.5 | 11.9 |
| (5610478) | (4938617) | (5610478) | (5656449) | (0.8) | (14.5) | |
| 4.1 Consumer Durables | 23402 | 23577 | 23402 | 23279 | -0.5 | -1.3 |
| 4.2 Housing | 3010477 | 2741455 | 3010477 | 3008941 | -0.1 | 9.8 |
| (2689068) | (2358299) | (2689068) | (2704137) | (0.6) | (14.7) | |
| 4.3 Advances against Fixed Deposits | 141101 | 121868 | 141101 | 143518 | 1.7 | 17.8 |
| 4.4 Advances to Individuals against share & bonds | 10080 | 8472 | 10080 | 10488 | 4.0 | 23.8 |
| 4.5 Credit Card Outstanding | 284366 | 259641 | 284366 | 287172 | 1.0 | 10.6 |
| 4.6 Education | 137456 | 119125 | 137456 | 137454 | 0.0 | 15.4 |
| 4.7 Vehicle Loans | 622794 | 578504 | 622794 | 629691 | 1.1 | 8.8 |
| 4.8 Loan against gold jewellery4 | 208735 | 101552 | 208735 | 223034 | 6.9 | 119.6 |
| 4.9 Other Personal Loans | 1513889 | 1392161 | 1513889 | 1517316 | 0.2 | 9.0 |
| (1493525) | (1367743) | (1493525) | (1497721) | (0.3) | (9.5) | |
| 5. Priority Sector (Memo) | ||||||
| (i) Agriculture & Allied Activities5 | 2287804 | 2060244 | 2287804 | 2233685 | -2.4 | 8.4 |
| (ii) Micro & Small Enterprises6 | 2240503 | 1964032 | 2240503 | 2313293 | 3.2 | 17.8 |
| (iii) Medium Enterprises7 | 601451 | 498958 | 601451 | 604299 | 0.5 | 21.1 |
| (iv) Housing | 746651 | 753576 | 746651 | 744228 | -0.3 | -1.2 |
| (665107) | (659843) | (665107) | (663951) | (-0.2) | (0.6) | |
| (v) Education Loans | 62825 | 61027 | 62825 | 62637 | -0.3 | 2.6 |
| (vi) Renewable Energy | 10325 | 5712 | 10325 | 11979 | 16.0 | 109.7 |
| (vii) Social Infrastructure | 1316 | 2619 | 1316 | 1147 | -12.9 | -56.2 |
| (viii) Export Credit | 12361 | 12539 | 12361 | 13086 | 5.9 | 4.4 |
| (ix) Others | 47900 | 75152 | 47900 | 48689 | 1.6 | -35.2 |
| (x) Weaker Sections including net PSLC- SF/MF | 1820904 | 1605821 | 1820904 | 1789687 | -1.7 | 11.5 |
| Notes: (1) Data are provisional. Bank credit, Food credit and Non-food credit data are based on Section-42 return, which covers all scheduled commercial banks (SCBs), while sectoral non-food credit data are based on sector-wise and industry-wise bank credit (SIBC) return, which covers select banks accounting for about 95 per cent of total non-food credit extended by all SCBs, pertaining to the last reporting Friday of the month. (2) Data since July 28, 2023 include the impact of the merger of a non-bank with a bank. (3) Figures in parentheses exclude the impact of the merger. 1 Wholesale trade includes food procurement credit outside the food credit consortium. 2 NBFCs include HFCs, PFIs, Microfinance Institutions (MFIs), NBFCs engaged in gold loan and others. 3 “Other Services” include Mutual Fund (MFs), Banking and Finance other than NBFCs and MFs, and other services which are not indicated elsewhere under services. 4 Since May 2024, a bank has changed the classification of a category of agricultural loan into “Loans against gold jewellery” under retail segment. 5 “Agriculture and Allied Activities” under the priority sector also include priority sector lending certificates (PSLCs). 6 “Micro and Small Enterprises” under the priority sector include credit to micro and small enterprises in industry and services sectors and also include PSLCs. 7 “Medium Enterprises” under the priority sector include credit to medium enterprises in industry and services sectors. |
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