(In per cent)

Occupation

State Bank of India and its Associates

Nationalised
Banks

  Foreign Banks

2005

2006

2005

2006

2005

2006

(1)

(2)

(3)

(4)

(5)

(6)

Weighted Average Lending Rate

I.

Agriculture

12.00

11.34

12.23

11.76

15.80

14.77

1.

Direct Finance

11.09

10.99

11.74

11.2

16.58

15.92

2.

Indirect Finance

13.14

11.97

12.69

12.17

15.45

14.36

II.

Industry

12.61

11.96

12.81

12.65

15.46

14.05

1.

Mining & Quarrying

13.06

11.91

13.18

12.48

13.99

14.67

2.

Manufacturing & Processing

12.51

11.96

12.74

12.65

15.46

13.96

3.

Electricity, Gas & Water

13.29

12.45

13.03

12.91

14.82

14.82

4.

Construction

12.68

11.81

12.88

12.45

16.18

14.78

III.

Transport Operators

12.92

13.06

12.75

12.38

16.13

14.25

IV.

Professional and Other Services

12.42

11.94

12.55

12.24

15.76

13.28

V.

Personal Loans

10.20

10.21

10.30

9.80

13.55

12.04

1.

Loans for Purchase of Consumer Durables

14.61

15.74

14.31

14.43

15.12

15.02

2.

Loans for Housing

8.62

8.49

8.95

8.54

10.15

9.22

3.

Rest of the Personal Loans

13.85

13.84

13.50

13.39

18.06

17.50

VI.

Trade

10.60

10.72

11.24

11.00

15.02

14.64

1.

Wholesale Trade

10.00

10.00

10.50

10.35

14.92

14.47

2.

Retail Trade

11.98

11.74

12.71

12.02

15.11

14.79

VII.

Finance

13.55

13.24

12.77

12.51

15.37

14.82

VIII.

All Others

13.04

11.49

12.82

11.71

14.99

13.92

Total Bank Credit

11.91

11.49

12.16

11.89

14.95

13.43

Of which

1.

Artisans & Village Industries

11.53

10.97

12.54

11.87

17.08

15.47

2.

Other Small Scale Industries

11.68

11.21

12.23

11.69

15.05

13.34

Weighted Average Deposit Rate of Term Deposits

6.14

6.22

6.11

6.42

5.08

5.75

Notes: 1. The data given here are based on the accounts with credit limit of over Rs. 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 2006 on average deposit rate are based on 59642 reporting branches out of 68366 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.

(In per cent)

Occupation

Regional Rural Banks

Other Scheduled Commercial Banks

All Scheduled Commercial Banks

2005

2006

2005

2006

2005

2006

(7)

(8)

(9)

(10)

(11)

(12)

Weighted Average Lending Rate

I.

Agriculture

13.28

12.49

13.88

11.75

12.45

11.70

1.

Direct Finance

13.30

12.59

13.58

11.99

11.97

11.33

2.

Indirect Finance

13.07

11.98

14.42

11.24

13.00

12.10

II.

Industry

13.00

12.07

14.03

12.72

13.21

12.58

1.

Mining & Quarrying

13.68

12.67

14.31

12.45

13.18

12.39

2.

Manufacturing & Processing

13.35

12.63

14.00

12.77

13.20

12.59

3.

Electricity, Gas & Water

16.48

13.63

14.70

13.29

13.36

12.89

4.

Construction

12.48

11.45

13.92

12.41

13.16

12.39

III.

Transport Operators

13.38

12.82

14.95

12.51

13.99

12.69

IV.

Professional and Other Services

13.04

12.17

14.28

12.42

13.43

12.36

V.

Personal Loans

11.56

11.36

11.40

11.42

10.95

10.66

1.

Loans for Purchase of Consumer Durables

14.99

15.30

16.48

15.01

14.68

15.03

2.

Loans for Housing

10.52

10.16

8.55

8.55

8.85

8.61

3.

Rest of the Personal Loans

14.27

13.96

15.21

15.04

14.78

14.60

VI.

Trade

13.24

12.60

13.44

12.21

11.52

11.23

1.

Wholesale Trade

13.16

12.75

12.73

11.67

10.67

10.49

2.

Retail Trade

13.27

12.55

13.93

12.53

12.95

12.17

VII.

Finance

12.69

11.06

14.89

13.32

13.52

12.95

VIII.

All Others

13.15

12.71

14.04

11.80

13.22

11.80

Total Bank Credit

12.82

12.19

13.28

12.19

12.57

11.97

Of which

1.

Artisans & Village Industries

13.74

12.81

14.74

12.33

11.97

11.41

2.

Other Small Scale Industries

13.43

12.72

13.47

12.22

12.29

11.64

Weighted Average Deposit Rate

of Term Deposits

7.52

7.11

6.35

7.07

6.18

6.51

Notes : 1. The data given here are based on the accounts with credit limit of over Rs. 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 2006 on average deposit rate are based on 59642 reporting branches out of 68366 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.