15. Deployment of Gross Bank Credit by Major Sectors

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प्रकाशित तारीख जानेवारी 11, 2016

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15. Deployment of Gross Bank Credit by Major Sectors

(₹ Billion)
Item	Outstanding as on				Growth (%)
	Mar. 20, 2015	2014	2015		Financial year so far	Y-o-Y
	Mar. 20, 2015	Nov. 28	Oct. 30	Nov. 27	2015-16	2015
	1	2	3	4	5	6
1 Gross Bank Credit	61,023	58,419	63,022	63,466	4.0	8.6
1.1 Food Credit	994	1,064	924	1,069	7.6	0.5
1.2 Non-food Credit	60,030	57,354	62,097	62,397	3.9	8.8
1.2.1 Agriculture & Allied Activities	7,659	7,391	8,232	8,260	7.9	11.8
1.2.2 Industry	26,576	25,419	26,506	26,687	0.4	5.0
1.2.2.1 Micro & Small	3,800	3,576	3,702	3,722	–2.1	4.1
1.2.2.2 Medium	1,265	1,222	1,127	1,148	–9.3	–6.0
1.2.2.3 Large	21,511	20,621	21,677	21,817	1.4	5.8
1.2.3 Services	14,131	13,484	14,503	14,403	1.9	6.8
1.2.3.1 Transport Operators	916	914	962	963	5.2	5.4
1.2.3.2 Computer Software	172	177	192	197	14.4	11.6
1.2.3.3 Tourism, Hotels & Restaurants	370	367	375	378	2.1	3.1
1.2.3.4 Shipping	101	99	103	105	4.1	6.0
1.2.3.5 Professional Services	844	816	930	945	11.9	15.8
1.2.3.6 Trade	3,657	3,311	3,586	3,605	–1.4	8.9
1.2.3.6.1 Wholesale Trade	1,801	1,580	1,623	1,641	–8.9	3.9
1.2.3.6.2 Retail Trade	1,856	1,731	1,964	1,964	5.8	13.5
1.2.3.7 Commercial Real Estate	1,665	1,635	1,708	1,708	2.6	4.5
1.2.3.8 Non-Banking Financial Companies (NBFCs)	3,117	3,050	3,183	3,124	0.2	2.4
1.2.3.9 Other Services	3,289	3,159	3,465	3,377	2.7	6.9
1.2.4 Personal Loans	11,663	11,059	12,857	13,046	11.9	18.0
1.2.4.1 Consumer Durables	153	147	163	165	8.1	12.9
1.2.4.2 Housing	6,285	5,946	6,959	7,052	12.2	18.6
1.2.4.3 Advances against Fixed Deposits	625	553	608	605	–3.3	9.3
1.2.4.4 Advances to Individuals against share & bonds	54	39	58	69	26.7	78.3
1.2.4.5 Credit Card Outstanding	305	295	360	376	23.6	27.7
1.2.4.6 Education	633	627	674	677	6.9	7.9
1.2.4.7 Vehicle Loans	1,246	1,194	1,360	1,379	10.7	15.5
1.2.4.8 Other Personal Loans	2,362	2,258	2,674	2,723	15.3	20.6
1.2A Priority Sector	20,103	19,204	21,225	21,183	5.4	10.3
1.2A.1 Agriculture & Allied Activities	7,659	7,391	8,232	8,260	7.9	11.8
1.2A.2 Micro & Small Enterprises	8,003	7,470	8,200	8,105	1.3	8.5
1.2A.2.1 Manufacturing	3,800	3,576	3,702	3,722	–2.1	4.1
1.2A.2.2 Services	4,203	3,895	4,499	4,383	4.3	12.5
1.2A.3 Housing	3,224	3,159	3,343	3,352	4.0	6.1
1.2A.4 Micro-Credit	177	169	190	192	8.6	13.6
1.2A.5 Education Loans	592	591	605	607	2.6	2.8
1.2A.6 State-Sponsored Orgs. for SC/ST	3	4	5	5	47.0	45.5
1.2A.7 Weaker Sections	4,049	3,899	4,470	4,533	12.0	16.3
1.2A.8 Export Credit	426	416	310	314	–26.3	–24.4
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.