(Per cent)

Occupation

State Bank of India
& its Associates

Nationalised
Banks $

Public Sector Banks

2009

2010

2009

2010

2009

2010

(1)

(2)

(3)

(4)

(5)

(6)

Weighted Average Lending Rate

I. Agriculture

11.00

10.16

10.82

9.66

10.87

9.79

1. Direct Finance

11.48

10.94

11.11

10.34

11.24

10.53

2. Indirect Finance

9.81

8.31

10.47

8.86

10.34

8.75

II. Industry

11.17

10.43

11.10

10.54

11.13

10.51

1. Mining & Quarrying

10.16

9.95

10.37

9.83

10.28

9.87

2. Manufacturing & Processing

11.18

10.34

11.23

10.77

11.21

10.61

3. Electricity, Gas & Water

10.65

10.27

10.53

9.60

10.55

9.69

4. Construction

11.54

11.05

11.16

10.76

11.27

10.83

III. Transport Operators

11.20

10.71

12.09

11.52

11.82

11.34

IV. Professional and Other Services

12.05

11.69

12.14

11.33

12.13

11.39

V. Personal Loans

10.16

9.47

10.50

9.97

10.36

9.74

1. Loans for Purchase of Consumer Durables

11.32

8.82

11.65

11.44

11.55

10.57

2. Loans for Housing

9.63

8.89

10.13

9.55

9.93

9.25

3. Rest of the Personal Loans

11.10

10.63

11.45

10.97

11.27

10.80

VI. Trade

11.95

11.15

11.37

11.23

11.53

11.21

1. Wholesale Trade

11.70

10.65

11.16

10.82

11.32

10.76

2. Retail Trade

12.25

11.73

11.57

11.64

11.75

11.67

VII. Finance

9.77

7.99

10.18

8.39

10.13

8.34

VIII. All Others

11.60

9.93

11.38

10.62

11.39

10.60

Total Bank Credit

11.05

10.25

11.09

10.38

11.08

10.34

Weighted Average Deposit Rate of Term Deposits

8.97

7.37

8.68

7.03

8.76

7.11

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 on average deposit rate for 2009 are based on 61490 reporting branches out of 78385 total branches & that for 2010 based on 74627 reporting branches out of 82620 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.
7. Group 'New private Sector Banks' contains Axis, HDFC, Developments Credit, ICICI, Indusind, Kotak Mahindra and Yes Bank.
8. Data is Provisonal.
Source : Basic Statistical Returns I & II, Department of Statistics and Information Management, RBI.

TABLE 11.4 : BANK GROUP-WISE AND OCCUPATION-WISE WEIGHTED AVERAGE LENDING RATE AND DEPOSIT RATE - 2009 AND 2010 (Contd.)

(Per cent)

Occupation

New Private
Sector Banks

Old Private
Sector Banks

Private Sector
Banks

2009

2010

2009

2010

2009

2010

(7)

(8)

(9)

(10)

(11)

(12)

Weighted Average Lending Rate

I. Agriculture

10.91

10.39

12.24

10.48

11.21

10.41

1. Direct Finance

10.76

10.44

13.09

11.23

11.21

10.57

2. Indirect Finance

11.16

10.22

11.35

9.58

11.22

10.00

II. Industry

12.23

10.67

12.55

11.33

12.33

10.89

1. Mining & Quarrying

11.85

11.25

11.42

10.81

11.75

11.15

2. Manufacturing & Processing

11.92

10.18

12.83

11.62

12.17

10.62

3. Electricity, Gas & Water

11.84

11.12

11.03

9.75

11.52

10.55

4. Construction

13.50

11.64

12.52

11.26

13.13

11.50

III. Transport Operators

13.59

12.30

11.67

11.23

13.27

12.12

IV. Professional and Other Services

12.43

11.39

12.71

12.11

12.51

11.60

V. Personal Loans

13.21

12.32

11.74

11.05

13.05

12.08

1. Loans for Purchase of Consumer Durables

13.26

10.96

12.52

13.38

12.87

13.36

2. Loans for Housing

12.16

10.71

11.17

10.58

12.04

10.68

3. Rest of the Personal Loans

14.58

14.56

12.65

11.92

14.41

14.19

VI. Trade

12.95

11.15

13.52

12.49

13.23

11.62

1. Wholesale Trade

12.82

11.16

12.92

12.07

12.87

11.53

2. Retail Trade

13.04

11.14

13.85

12.79

13.45

11.67

VII. Finance

10.49

8.55

11.24

9.55

10.65

8.73

VIII. All Others

12.70

11.00

12.58

12.62

12.67

11.14

Total Bank Credit

12.48

11.02

12.49

11.39

12.48

11.12

Weighted Average Deposit Rate of Term Deposits

9.57

6.42

9.40

7.59

9.52

6.84

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 on average deposit rate for 2009 are based on 61490 reporting branches out of 78385 total branches & that for 2010 based on 74627 reporting branches out of 82620 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.
7. Group 'New private Sector Banks' contains Axis, HDFC, Developments Credit, ICICI, Indusind, Kotak Mahindra and Yes Bank.
8. Data is Provisonal.
Source : Basic Statistical Returns I & II, Department of Statistics and Information Management, RBI.

TABLE 11.4 : BANK GROUP-WISE AND OCCUPATION-WISE WEIGHTED AVERAGE LENDING RATE AND DEPOSIT RATE - 2009 AND 2010 (Concld.)

(Per cent)

Occupation

Foreign Banks

Regional Rural
Banks

All Scheduled
Commercial Banks

2009

2010

2009

2010

2009

2010

(13)

(14)

(15)

(16)

(17)

(18)

Weighted Average Lending Rate

I. Agriculture

11.10

10.72

12.30

11.88

10.99

9.99

1. Direct Finance

11.27

12.85

12.31

11.88

11.30

10.63

2. Indirect Finance

11.03

9.37

12.23

11.88

10.53

8.97

II. Industry

12.18

9.50

12.47

12.32

11.34

10.52

1. Mining & Quarrying

9.71

8.95

13.18

12.93

10.48

9.96

2. Manufacturing & Processing

11.97

9.32

12.78

12.61

11.39

10.54

3. Electricity, Gas & Water

12.22

8.03

12.27

10.74

10.67

9.75

4. Construction

14.38

11.46

12.09

12.10

11.66

10.98

III. Transport Operators

11.59

11.72

13.03

12.38

12.29

11.60

IV. Professional and Other Services

13.46

11.06

12.81

12.77

12.32

11.41

V. Personal Loans

15.23

14.56

11.55

11.21

11.61

10.60

1. Loans for Purchase of Consumer Durables

6.62

8.85

12.42

12.20

12.23

11.62

2. Loans for Housing

12.43

11.42

10.84

10.54

10.73

9.70

3. Rest of the Personal Loans

20.33

20.08

12.51

11.93

13.21

12.36

VI. Trade

13.50

11.87

13.12

12.83

11.90

11.34

1. Wholesale Trade

11.70

11.77

13.00

12.76

11.52

10.94

2. Retail Trade

15.11

11.95

13.15

12.84

12.25

11.70

VII. Finance

10.85

9.16

12.62

12.60

10.27

8.48

VIII. All Others

13.63

12.82

12.38

11.16

11.86

10.88

Total Bank Credit

13.14

11.05

12.29

11.90

11.47

10.53

Weighted Average Deposit Rate of Term Deposits

6.90

4.40

8.72

7.98

8.84

6.97

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 on average deposit rate for 2009 are based on 61490 reporting branches out of 78385 total branches & that for 2010 based on 74627 reporting branches out of 82620 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.
7. Group 'New private Sector Banks' contains Axis, HDFC, Developments Credit, ICICI, Indusind, Kotak Mahindra and Yes Bank.
8. Data is Provisonal.
Source : Basic Statistical Returns I & II, Department of Statistics and Information Management, RBI.