TABLE 11.4 : BANK GROUP-WISE AND OCCUPATION-WISE WEIGHTED AVERAGE
LENDING RATE AND DEPOSIT RATE - 2006 AND 2007

(in per cent)

Occupation

State Bank of India

Nationalised Banks

Foreign Banks

and its Associates

2006

2007

2006

2007

2006

2007

(1)

(2)

(3)

(4)

(5)

(6)

Weighted Average Lending Rate

I.

Agriculture

11.34

11.50

11.76

11.64

14.77

13.50

1.

Direct Finance

10.99

11.57

11.20

11.19

15.92

14.19

2.

Indirect Finance

11.97

11.31

12.17

12.05

14.36

11.81

II.

Industry

11.96

12.10

12.65

12.43

14.05

12.77

1.

Mining & Quarrying

11.91

12.45

12.48

11.79

14.67

11.94

2.

Manufacturing & Processing

11.96

12.09

12.65

12.41

13.96

12.81

3.

Electricity, Gas & Water

12.45

12.02

12.91

12.59

14.82

12.62

4.

Construction

11.81

12.06

12.45

12.53

14.78

12.43

III.

Transport Operators

13.06

12.22

12.38

12.78

14.25

13.27

IV.

Professional and Other Services

11.94

11.76

12.24

12.18

13.28

12.76

V.

Personal Loans

10.21

10.48

9.80

10.38

12.04

13.47

1.

Loans for Purchase of Consumer Durables

15.74

14.14

14.43

13.89

15.02

15.75

2.

Loans for Housing

8.49

8.92

8.54

9.24

9.22

9.75

3.

Rest of the Personal Loans

13.84

13.61

13.39

13.38

17.50

17.56

VI.

Trade

10.72

10.82

11.00

11.34

14.64

13.12

1.

Wholesale Trade

10.00

10.16

10.35

10.65

14.47

12.74

2.

Retail Trade

11.74

11.90

12.02

12.27

14.79

13.22

VII.

Finance

13.24

12.99

12.51

12.26

14.82

13.23

VIII.

All Others

11.49

11.67

11.71

11.74

13.92

13.80

Total Bank Credit

11.49

11.64

11.89

11.89

13.43

13.03

Of which

1.

Artisans & Village Industries

10.97

11.91

11.87

12.28

15.47

14.98

2.

Other Small Scale Industries

11.21

12.00

11.69

12.12

13.34

12.22

Weighted Average Deposit Rate

of Term Deposits

6.22

7.74

6.42

8.02

5.75

9.03

Notes : 1. The data given here are based on the accounts with credit limit of over 2 lakhs.
2. The data are exclusive of Inland & Foreign Bills purchased and discounted.
3. Amount outstanding figures are used as weights for calculating average lending rates.
4. The deposit data corresponds to only term deposits.
5. The data for 2007 on average deposit rate are based on 61106 reporting branches out of 70408 total branches having term deposits.
6. Mid-points of the interest rate range were taken as values and total deposit amount in the range as weights.
Source : Basic Statistical Returns I & II, Department of Statistical Analysis and Computer Services, RBI.

TABLE 11.4 : BANK GROUP-WISE AND OCCUPATION-WISE WEIGHTED AVERAGE
LENDING RATE AND DEPOSIT RATE - 2006 AND 2007 (Concld.)

(in per cent)

Occupation

Regional Rural

Other Scheduled

All Scheduled

Banks

Commercial Banks

Commercial Banks

2006

2007

2006

2007

2006

2007

(7)

(8)

(9)

(10)

(11)

(2)

Weighted Average Lending Rate

I.

Agriculture

12.49

11.71

11.75

12.01

11.70

11.72

1.

Direct Finance

12.59

11.70

11.99

12.31

11.33

11.60

2.

Indirect Finance

11.98

11.87

11.24

11.56

12.10

11.88

II.

Industry

12.07

11.70

12.72

12.37

12.58

12.36

1.

Mining & Quarrying

12.67

12.84

12.45

12.98

12.39

12.18

2.

Manufacturing & Processing

12.63

12.01

12.77

12.33

12.59

12.33

3.

Electricity, Gas & Water

13.63

12.61

13.29

13.57

12.89

12.64

4.

Construction

11.45

11.25

12.41

11.90

12.39

12.33

III.

Transport Operators

12.82

12.44

12.51

12.18

12.69

12.49

IV.

Professional and Other Services

12.17

12.08

12.42

12.51

12.36

12.26

V.

Personal Loans

11.36

11.36

11.42

11.05

10.66

10.87

1.

Loans for Purchase of Consumer Durables

15.30

13.86

15.01

14.24

15.03

14.36

2.

Loans for Housing

10.16

10.23

8.55

8.68

8.61

9.01

3.

Rest of the Personal Loans

13.96

13.44

15.04

14.95

14.60

14.47

VI.

Trade

12.60

12.00

12.21

12.18

11.23

11.54

1.

Wholesale Trade

12.75

12.51

11.67

11.92

10.49

10.77

2.

Retail Trade

12.55

11.85

12.53

12.36

12.17

12.37

VII.

Finance

11.06

11.16

13.32

12.92

12.95

12.56

VIII.

All Others

12.71

11.63

11.80

12.03

11.80

11.87

Total Bank Credit

12.19

11.70

12.19

11.91

11.97

11.92

Of which

1.

Artisans & Village Industries

12.81

12.64

12.33

14.15

11.41

12.47

2.

Other Small Scale Industries

12.72

11.74

12.22

12.76

11.64

12.15

Weighted Average Deposit Rate

of Term Deposits

7.11

7.51

7.07

8.98

6.51

8.22

Notes: 1. The data given here are based on the accounts with credit limit of over 2 lakhs.
2. The data are exclusive of Inland & Foreign Bills purchased and discounted.
3. Amount outstanding figures are used as weights for calculating average lending rates.
4. The deposit data corresponds to only term deposits.
5. The data for 2007 on average deposit rate are based on 61106 reporting branches out of 70408 total branches
having term deposits.
6. Mid-points of the interest rate range were taken as values and total deposit amount in the range as weights.
Source: Basic Statistical Returns I & II, Department of Statistical Analysis and Computer Services, RBI.