Data on sectoral deployment of bank credit for the month¹ of August 2025 collected from 41 select scheduled commercial banks (SCBs), accounting for about 95 per cent of the total non-food credit by all SCBs, are set out in Statements I and II.

On a year-on-year (y-o-y) basis, non-food bank credit ² grew ³ by 9.9 per cent as on the fortnight ended August 22, 2025, compared to 13.6 per cent during the corresponding fortnight of the previous year (i.e., August 23, 2024).

• Credit to agriculture and allied activities registered a y-o-y growth of 7.6 per cent (17.7 per cent in the corresponding fortnight of the previous year).
• Credit to industry recorded a y-o-y growth of 6.5 per cent, compared with 9.7 per cent in the corresponding fortnight of last year. Credit to micro and small, and medium industries continued to expand at a robust pace. Among major industries, outstanding credit to ‘all engineering’, ‘vehicles, vehicle parts and transport equipment’ and ‘rubber, plastic and their products’ recorded buoyant y-o-y growth.
• Credit to services sector registered a growth rate of 10.6 per cent y-o-y (13.9 per cent in the corresponding fortnight of the previous year). Growth in credit to ‘non-banking financial companies’ (NBFCs) decelerated, while it remained robust in segments such as ‘professional services’, ‘computer software’, ‘commercial real estate’ and ‘trade’.
• Credit to personal loans segment recorded a decelerated y-o-y growth of 11.8 per cent, as compared with 13.9 per cent a year ago, largely due to moderation in growth of ‘other personal loans’, ‘vehicle loans’ and ‘credit card outstanding’.

Ajit Prasad            
Deputy General Manager
(Communications)     

Press Release: 2025-2026/1203