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Table 5.3 : Distribution of Outstanding Credit of Scheduled Commercial Banks According to Interest Rate Range - 2010 and 2011

(Amount in ` Billion)

Interest Rate Bucket

As on March 31

2010

2011

No. of
Accounts

Credit
Limit

Amount
Outstanding

No. of
Accounts

Credit
Limit

Amount
Outstanding

(1)

(2)

(3)

(4)

(5)

(6)

Less than 6%

87161

1816.66

1457.20

124420

2037.58

627.39

 

(0.5)

(4.5)

(5.1)

(0.7)

(3.0)

(1.8)

6% and above but less than 10%

4895338

11993.53

8998.72

4110045

16891.72

9244.32

 

(30.7)

(29.5)

(31.4)

(22.2)

(25.3)

(26.1)

10% and above but less than 12%

4806411

14252.71

9256.75

4720731

21991.44

10040.81

 

(30.2)

(35.0)

(32.3)

(25.5)

(32.9)

(28.3)

12% and above but less than 13%

2471577

6256.24

4640.49

2599998

8073.18

4951.03

 

(15.5)

(15.4)

(16.2)

(14.1)

(12.1)

(14.0)

13% and above but less than 14%

1184955

3089.14

2279.17

2997335

7755.04

5220.18

 

(7.4)

(7.6)

(8.0)

(16.2)

(11.6)

(14.7)

14% and above but less than 15%

643457

1685.07

1047.09

1268975

5027.69

2831.50

 

(4.0)

(4.1)

(3.7)

(6.9)

(7.5)

(8.0)

15% and above but less than 16%

299423

550.55

400.49

638204

2781.81

1549.72

 

(1.9)

(1.4)

(1.4)

(3.5)

(4.2)

(4.4)

16% and above but less than 17%

220333

305.91

219.59

294185

955.86

460.67

 

(1.4)

(0.8)

(0.8)

(1.6)

(1.4)

(1.3)

17% and above but less than 18%

148307

179.98

98.84

198321

420.27

253.96

 

(0.9)

(0.4)

(0.3)

(1.1)

(0.6)

(0.7)

18% and above but less than 20%

316409

222.29

140.60

298435

439.91

154.43

 

(2.0)

(0.5)

(0.5)

(1.6)

(0.7)

(0.4)

20% and above

865160

364.63

101.16

1233899

466.30

105.53

 

(5.4)

(0.9)

(0.4)

(6.7)

(0.7)

(0.3)

Total Loans & Advances

15938531

40716.70

28640.10

18484548

66840.79

35439.53

 

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

Inland & Foreign Bills Purchased / Discounted

77500

2953.77

1204.15

84733

5172.74

1478.06

TOTAL

16016031

43670.46

29844.25

18569281

72013.53

36917.59

Notes : 1. Data relate to accounts each with credit limit over ` 0.2 Million.
2. Figures in brackets represent per cent share in total loans and advances.
Source : Basic Statistical Returns of Scheduled Commercial Banks in India, 2010 & 2011, Volume 39 & 40.

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