15. Deployment of Gross Bank Credit by Major Sectors

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15. Deployment of Gross Bank Credit by Major Sectors

(₹ Billion)
Item	Outstanding as on				Growth (%)
	Mar. 20, 2015	2015		2016	Financial year so far	Y-o-Y
	Mar. 20, 2015	Jan. 23	Dec. 25	Jan. 22	2015-16	2016
	1	2	3	4	5	6
1 Gross Bank Credit	61,023	59,323	64,335	64,983	6.5	9.5
1.1 Food Credit	994	1,070	1,084	1,002	0.8	–6.3
1.2 Non-food Credit	60,030	58,253	63,251	63,981	6.6	9.8
1.2.1 Agriculture & Allied Activities	7,659	7,510	8,424	8,514	11.2	13.4
1.2.2 Industry	26,576	25,792	26,952	27,244	2.5	5.6
1.2.2.1 Micro & Small	3,800	3,687	3,741	3,776	–0.6	2.4
1.2.2.2 Medium	1,265	1,244	1,151	1,155	–8.7	–7.1
1.2.2.3 Large	21,511	20,861	22,060	22,313	3.7	7.0
1.2.3 Services	14,131	13,527	14,582	14,732	4.3	8.9
1.2.3.1 Transport Operators	916	913	962	984	7.5	7.8
1.2.3.2 Computer Software	172	173	190	187	8.4	8.1
1.2.3.3 Tourism, Hotels & Restaurants	370	365	383	371	0.2	1.8
1.2.3.4 Shipping	101	94	103	103	1.5	8.8
1.2.3.5 Professional Services	844	828	973	1,033	22.4	24.7
1.2.3.6 Trade	3,657	3,416	3,629	3,662	0.1	7.2
1.2.3.6.1 Wholesale Trade	1,801	1,660	1,641	1,650	–8.4	–0.6
1.2.3.6.2 Retail Trade	1,856	1,756	1,988	2,012	8.4	14.6
1.2.3.7 Commercial Real Estate	1,665	1,650	1,723	1,766	6.1	7.1
1.2.3.8 Non-Banking Financial Companies (NBFCs)	3,117	2,945	3,149	3,260	4.6	10.7
1.2.3.9 Other Services	3,289	3,144	3,471	3,367	2.4	7.1
1.2.4 Personal Loans	11,663	11,425	13,293	13,491	15.7	18.1
1.2.4.1 Consumer Durables	153	149	167	170	10.8	14.0
1.2.4.2 Housing	6,285	6,113	7,140	7,238	15.2	18.4
1.2.4.3 Advances against Fixed Deposits	625	625	635	639	2.1	2.1
1.2.4.4 Advances to Individuals against share & bonds	54	52	60	58	7.5	12.7
1.2.4.5 Credit Card Outstanding	305	311	373	386	26.6	24.1
1.2.4.6 Education	633	635	680	683	7.9	7.5
1.2.4.7 Vehicle Loans	1,246	1,232	1,408	1,420	13.9	15.2
1.2.4.8 Other Personal Loans	2,362	2,308	2,830	2,898	22.7	25.5
1.2A Priority Sector	20,103	19,640	21,564	21,724	8.1	10.6
1.2A.1 Agriculture & Allied Activities	7,659	7,510	8,424	8,514	11.2	13.4
1.2A.2 Micro & Small Enterprises	8,003	7,737	8,283	8,346	4.3	7.9
1.2A.2.1 Manufacturing	3,800	3,687	3,741	3,776	–0.6	2.4
1.2A.2.2 Services	4,203	4,050	4,542	4,570	8.7	12.8
1.2A.3 Housing	3,224	3,212	3,387	3,392	5.2	5.6
1.2A.4 Micro-Credit	177	170	178	188	6.4	10.7
1.2A.5 Education Loans	592	596	609	607	2.5	1.9
1.2A.6 State-Sponsored Orgs. for SC/ST	3	4	5	5	47.6	46.4
1.2A.7 Weaker Sections	4,049	3,963	4,606	4,650	14.8	17.3
1.2A.8 Export Credit	426	391	322	346	–18.9	–11.7
Note: Data are provisional and relate to select banks which cover 95 per cent of total non-food credit extended by all scheduled commercial banks (excludes ING Vysya which has been merged with Kotak Mahindra since April 2015). Export credit under priority sector relates to foreign banks only. Micro & small under item 2.1 includes credit to micro & small industries in manufacturing sector. Micro & small enterprises under item 5.2 includes credit to micro & small enterprises in manufacturing as well as services sector. Priority Sector is as per old definition and does not conform to FIDD Circular FIDD.CO.Plan.BC.54/04.09.01/2014- 15 dated April 23, 2015.