(` Billion)

1 Gross Bank Credit

43,714

41,305

46,610

47,288

8.2

14.5

1.1 Food Credit

816

847

1,058

1,057

29.5

24.8

1.2 Non-food Credit

42,897

40,458

45,552

46,231

7.8

14.3

1.2.1 Agriculture & Allied Activities

5,225

4,606

5,495

5,590

7.0

21.4

1.2.2 Industry

19,675

18,582

20,853

21,140

7.5

13.8

1.2.2.1 Micro & Small

2,592

2,468

2,685

2,717

4.8

10.1

1.2.2.2 Medium

2,056

1,986

2,031

2,019

–1.8

1.7

1.2.2.3 Large

15,026

14,129

16,137

16,405

9.2

16.1

1.2.3 Services

10,168

9,670

10,625

10,858

6.8

12.3

1.2.3.1 Transport Operators

713

671

790

730

2.4

8.9

1.2.3.2 Computer Software

154

151

164

161

4.7

7.1

1.2.3.3 Tourism, Hotels & Restaurants

313

315

342

351

12.2

11.5

1.2.3.4 Shipping

89

100

81

80

–9.8

–19.6

1.2.3.5 Professional Services

639

555

511

527

–17.4

–4.9

1.2.3.6 Trade

2,209

2,125

2,538

2,558

15.8

20.4

1.2.3.6.1 Wholesale Trade

1,280

1,203

1,389

1,400

9.4

16.4

1.2.3.6.2 Retail Trade

929

922

1,148

1,158

24.6

25.6

1.2.3.7 Commercial Real Estate

1,205

1,162

1,201

1,308

8.5

12.6

1.2.3.8 Non-Banking Financial Companies (NBFCs)

2,218

2,114

2,439

2,523

13.8

19.3

1.2.3.9 Other Services

2,628

2,477

2,558

2,619

–0.3

5.7

1.2.4 Personal Loans

7,830

7,600

8,580

8,643

10.4

13.7

1.2.4.1 Consumer Durables

88

120

75

77

–12.5

–36.1

1.2.4.2 Housing

4,027

3,917

4,372

4,408

9.5

12.5

1.2.4.3 Advances against Fixed Deposits

685

537

615

610

–10.9

13.7

1.2.4.4 Advances to Individuals against share & bonds

38

51

31

33

–14.9

–35.6

1.2.4.5 Credit Card Outstanding

204

195

247

248

21.2

27.1

1.2.4.6 Education

502

492

543

542

7.9

10.1

1.2.4.7 Vehicle Loans

949

906

1,093

1,107

16.6

22.2

1.2.4.8 Other Personal Loans

1,336

1,382

1,604

1,619

21.1

17.1

1.2A Priority Sector

14,122

13,007

14,617

14,886

5.4

14.4

1.2A.1 Agriculture & Allied Activities

5,225

4,606

5,495

5,590

7.0

21.4

1.2A.2 Micro & Small Enterprises

5,191

4,825

5,262

5,397

4.0

11.9

1.2A.2.1 Manufacturing

2,592

2,468

2,685

2,717

4.8

10.1

1.2A.2.2 Services

2,599

2,358

2,576

2,681

3.2

13.7

1.2A.3 Housing

2,654

2,516

2,667

2,678

0.9

6.4

1.2A.4 Micro-Credit

231

210

219

241

4.3

14.8

1.2A.5 Education Loans

483

483

523

521

8.0

8.0

1.2A.6 State-Sponsored Orgs. for SC/ST

26

27

20

28

7.7

3.7

1.2A.7 Weaker Sections

2,563

2,326

2,725

2,795

9.1

20.2

1.2A.8 Export Credit

377

404

401

429

13.8

6.2