Appendix Table IV.3 Sectoral Deployment of Gross Bank Credit - ಆರ್ಬಿಐ - Reserve Bank of India
Appendix Table IV.3 Sectoral Deployment of Gross Bank Credit
(Amount in Rs. crore)
|
||||||
Sr. |
Sector |
Outstanding as on |
Variation |
|||
March |
March |
March |
2007-08 |
2008-09 |
||
1 |
2 |
3 |
4 |
5 |
6 |
|
I. |
Gross Bank Credit (II + III) |
18,48,187 |
22,47,289 |
26,48,501 |
3,99,102 |
4,01,212 |
II. |
Food Credit |
46,947 |
44,399 |
46,211 |
-2,548 |
1,812 |
III. |
Non-Food Gross Bank Credit (1 to 4) |
18,01,240 |
22,02,890 |
26,02,290 |
4,01,650 |
3,99,400 |
|
|
(100.0) |
(100.0) |
(100.0) |
(100.0) |
(100.0) |
|
1. Agriculture and Allied Activities |
2,30,377 |
2,75,343 |
3,38,656 |
44,966 |
63,313 |
|
|
(12.8) |
(12.5) |
(13.0) |
(11.2) |
(15.9) |
|
2. Industry |
6,97,339 |
8,66,875 |
10,54,390 |
1,69,536 |
1,87,515 |
|
|
(38.7) |
(39.4) |
(40.5) |
(42.2) |
(46.9) |
|
3. Services |
4,20,766 |
5,53,185 |
6,46,765 |
1,32,419 |
93,580 |
|
|
(23.4) |
(25.1) |
(24.9) |
(33.0) |
(23.4) |
|
3.1 Transport Operators |
28,332 |
37,818 |
39,302 |
9,486 |
1,484 |
|
|
(1.6) |
(1.7) |
(1.5) |
(2.4) |
(0.4) |
|
3.2 Computer Software |
5,156 |
8,251 |
9,687 |
3,095 |
1,436 |
|
|
(0.3) |
(0.4) |
(0.4) |
(0.8) |
(0.4) |
|
3.3 Tourism and Hotels and Restaurants |
9,797 |
12,205 |
13,625 |
2,408 |
1,420 |
|
|
(0.5) |
(0.6) |
(0.5) |
(0.6) |
(0.4) |
|
3.4 Shipping |
6,860 |
7,557 |
9,417 |
697 |
1,860 |
|
|
(0.4) |
(0.3) |
(0.4) |
(0.2) |
(0.5) |
|
3.5 Professional Services |
23,932 |
27,133 |
45,373 |
3,201 |
18,240 |
|
|
(1.3) |
(1.2) |
(1.7) |
(0.8) |
(4.6) |
|
3.6 Trade |
1,06,662 |
1,23,721 |
1,44,377 |
17,059 |
20,656 |
|
3.6.1 Wholesale Trade |
50,143 |
55,702 |
67,425 |
5,559 |
11,723 |
|
(other than food procurement) |
(2.8) |
(2.5) |
(2.6) |
(1.4) |
(2.9) |
|
3.6.2 Retail Trade |
56,519 |
68,019 |
76,951 |
11,500 |
8,932 |
|
|
(3.1) |
(3.1) |
(3.0) |
(2.9) |
(2.2) |
|
3.7Real Estate Loans |
44,079 |
63,314 |
91,575 |
19,235 |
28,261 |
|
|
(2.4) |
(2.9) |
(3.5) |
(4.8) |
(7.1) |
|
3.8Non-Banking Financial Companies |
48,924 |
79,018 |
98,853 |
30,094 |
19,835 |
|
|
(2.7) |
(3.6) |
(3.8) |
(7.5) |
(5.0) |
|
3.9All Other Services |
1,47,024 |
1,94,168 |
1,94,556 |
47,144 |
388 |
|
|
(8.2) |
(8.8) |
(7.5) |
(11.7) |
(0.1) |
|
4. Personal Loans |
4,52,758 |
5,07,488 |
5,62,479 |
54,730 |
54,991 |
|
|
(25.1) |
(23.0) |
(21.6) |
(13.6) |
(13.8) |
|
4.1 Consumer Durables |
9,189 |
8,799 |
8,187 |
-390 |
-612 |
|
|
(0.5) |
(0.4) |
(0.3) |
-(0.1) |
-(0.2) |
|
4.2 Housing |
2,30,990 |
2,57,792 |
2,76,957 |
26,802 |
19,165 |
|
|
(12.8) |
(11.7) |
(10.6) |
(6.7) |
(4.8) |
|
4.3 Advances against Fixed Deposits |
40,835 |
45,005 |
48,676 |
4,170 |
3,671 |
|
(including FCNR (B), NRNR Deposits, etc.) |
(2.3) |
(2.0) |
(1.9) |
(1.0) |
(0.9) |
|
4.4 Advances to individuals against share, bonds, etc. |
4,876 |
4,177 |
2,286 |
-699 |
-1,891 |
|
|
(0.3) |
(0.2) |
(0.1) |
-(0.2) |
-(0.5) |
|
4.5 Credit Card Outstandings |
18,299 |
26,393 |
28,000 |
8,094 |
1,607 |
|
|
(1.0) |
(1.2) |
(1.1) |
(2.0) |
(0.4) |
|
4.6 Education |
15,208 |
20,532 |
28,579 |
5,324 |
8,047 |
|
|
(0.8) |
(0.9) |
(1.1) |
(1.3) |
(2.0) |
|
4.7 Other Personal Loans |
1,33,361 |
1,50,658 |
1,69,795 |
17,297 |
19,137 |
|
|
(7.4) |
(6.8) |
(6.5) |
(4.3) |
(4.8) |
|
Memo: |
|
|
|
|
|
|
5.Priority Sector |
6,35,966 |
7,47,380 |
9,15,886 |
1,11,414 |
1,68,506 |
|
|
(35.3) |
(33.9) |
(35.2) |
(27.7) |
(42.2) |
|
5.1 Agriculture & Allied Activities |
2,30,377 |
2,75,342 |
3,38,656 |
44,965 |
63,314 |
|
|
(12.8) |
(12.5) |
(13.0) |
(11.2) |
(15.9) |
|
5.2 Micro & Small Enterprises * |
N.A. |
2,04,892 |
2,59,998 |
– |
55,106 |
|
|
|
(9.3) |
(10.0) |
|
(13.8) |
|
5.3 Housing |
1,60,343 |
1,91,878 |
2,03,154 |
31,535 |
11,276 |
|
|
(8.9) |
(8.7) |
(7.8) |
(7.9) |
(2.8) |
* : Micro & Small Enterprises include manufacturing as well as service enterprises. N.A. : Not Available. Note : 1. Data are provisional and relate to select scheduled commercial banks which account for more than 90 per cent of bank credit of all scheduled commercial banks. Data include the figures of Bharat Overseas Bank, which was merged with Indian Overseas Bank on March 31, 2007. 2. Gross bank credit data include bills rediscounted with Reserve Bank, Exim Bank, other financial institutions and inter-bank participations. 3. Figures in parentheses represent the share in total non-food gross bank credit. |