(in per cent)

I. Agriculture

11.05

11.89

11.09

11.94

11.08

11.93

1. Direct Finance

11.39

11.90

11.35

11.94

11.36

11.93

2. Indirect Finance

9.80

11.85

10.54

11.96

10.41

11.94

II. Industry

11.75

13.23

11.81

12.87

11.79

12.98

1. Mining & Quarrying

10.45

12.40

11.17

12.57

10.94

12.52

2. Manufacturing & Processing

11.91

13.40

12.17

13.12

12.08

13.22

3. Electricity, Gas & Water

11.00

12.48

10.81

12.22

10.84

12.27

4. Construction

11.68

13.06

11.74

12.82

11.73

12.88

III. Transport Operators

11.60

12.97

11.60

11.99

11.60

12.20

IV. Professional and Other Services

12.39

14.37

12.44

13.50

12.43

13.63

V. Personal Loans

10.06

11.15

10.70

11.79

10.41

11.49

1. Loans for Purchase of Consumer Durables

12.32

11.25

11.44

13.00

11.45

12.95

2. Loans for Housing

9.39

10.33

10.16

11.19

9.79

10.78

3. Rest of the Personal Loans

11.23

12.54

11.53

12.64

11.41

12.59

VI. Trade

12.12

13.41

12.40

13.08

12.32

13.17

1. Wholesale Trade

11.50

12.88

11.90

13.06

11.78

13.00

2. Retail Trade

12.88

14.16

12.89

13.09

12.89

13.30

VII. Finance

10.01

11.21

9.88

11.21

9.90

11.21

VIII. All Others

11.52

13.36

11.02

12.46

11.03

12.48

Total Bank Credit

11.31

12.62

11.49

12.54

11.44

12.56

Weighted Average Deposit Rate of Term Deposits

8.16

9.09

8.23

9.20

8.24

9.17

Notes : 1. The data given here are based on the accounts with credit limit of over ` 0.2 million.
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 2012 are based on 93549 reporting branches out of 96050 total branches & that for 2011 based on 77710 reporting branches out of 84825 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.
Source : Basic Statistical Returns 1 & 2, Department of Statistics and Information Management, RBI.

TABLE 11.4 BANK GROUP-WISE AND OCCUPATION-WISE WEIGHTED AVERAGE LENDING
RATE AND DEPOSIT RATE - 2011 AND 2012 (Contd.)

(in per cent)

I. Agriculture

10.90

12.10

11.85

12.49

11.09

12.18

1. Direct Finance

11.08

12.15

11.94

12.42

11.23

12.20

2. Indirect Finance

10.12

11.90

11.64

12.73

10.52

12.09

II. Industry

11.25

12.66

12.35

13.37

11.59

12.88

1. Mining & Quarrying

11.26

11.91

11.84

11.80

11.36

11.88

2. Manufacturing & Processing

10.83

12.43

12.68

13.59

11.41

12.79

3. Electricity, Gas & Water

11.50

12.89

10.94

12.77

11.35

12.86

4. Construction

12.06

13.13

11.99

13.27

12.04

13.18

III. Transport Operators

11.70

11.80

12.33

12.61

11.79

11.90

IV. Professional and Other Services

11.50

13.24

12.82

13.99

11.77

13.39

V. Personal Loans

12.24

13.08

11.88

12.48

12.16

12.94

1. Loans for Purchase of Consumer Durables

13.92

12.59

13.14

12.82

12.55

12.71

2. Loans for Housing

10.99

12.07

11.88

12.12

11.19

12.08

3. Rest of the Personal Loans

13.78

14.30

11.80

12.92

13.42

13.99

VI. Trade

11.70

12.89

13.12

13.33

12.39

13.11

1. Wholesale Trade

11.39

12.87

12.80

12.82

12.09

12.85

2. Retail Trade

11.98

12.92

13.45

13.76

12.69

13.37

VII. Finance

9.33

10.48

11.02

11.58

9.68

10.69

VIII. All Others

11.28

13.87

12.35

13.15

11.36

13.82

Total Bank Credit

11.30

12.65

12.29

13.06

11.54

12.75

Weighted Average Deposit Rate of Term Deposits

8.54

9.60

8.60

9.49

8.56

9.56

Notes : 1. The data given here are based on the accounts with credit limit of over ` 0.2 million.
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 2012 are based on 93549 reporting branches out of 96050 total branches & that for 2011 based on 77710 reporting branches out of 84825 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.
Source : Basic Statistical Returns 1 & 2, Department of Statistics and Information Management, RBI.

TABLE 11.4 BANK GROUP-WISE AND OCCUPATION-WISE WEIGHTED AVERAGE LENDING
RATE AND DEPOSIT RATE - 2011 AND 2012 (Concld.)

(in per cent)

I. Agriculture

10.36

12.44

11.87

11.88

11.11

11.98

1. Direct Finance

9.48

13.20

11.88

11.83

11.36

11.98

2. Indirect Finance

10.73

12.29

11.69

12.34

10.44

11.97

II. Industry

9.96

10.59

12.25

12.84

11.68

12.85

1. Mining & Quarrying

10.41

9.07

12.70

12.27

10.98

12.25

2. Manufacturing & Processing

9.85

10.42

12.52

13.29

11.85

12.99

3. Electricity, Gas & Water

10.01

11.79

11.98

11.99

10.88

12.31

4. Construction

10.54

11.68

11.93

12.48

11.75

12.89

III. Transport Operators

10.09

11.95

12.55

13.20

11.64

12.10

IV. Professional and Other Services

11.03

12.94

12.60

12.87

12.18

13.51

V. Personal Loans

14.69

14.66

11.60

12.17

11.09

11.94

1. Loans for Purchase of Consumer Durables

8.98

17.25

12.85

13.36

11.93

13.02

2. Loans for Housing

12.13

12.55

10.94

11.30

10.27

11.13

3. Rest of the Personal Loans

20.39

23.42

12.29

12.79

12.36

13.14

VI. Trade

10.48

11.56

12.64

13.68

12.28

13.11

1. Wholesale Trade

9.24

10.70

12.58

12.66

11.71

12.87

2. Retail Trade

12.18

12.90

12.65

13.81

12.82

13.31

VII. Finance

8.97

11.74

11.56

13.57

9.80

11.14

VIII. All Others

10.77

11.39

10.87

14.81

11.14

13.29

Total Bank Credit

10.93

11.75

11.86

12.81

11.44

12.57

Weighted Average Deposit Rate of Term Deposits

7.30

7.98

8.42

9.01

8.29

9.19

Notes : 1. The data given here are based on the accounts with credit limit of over ` 0.2 million.
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 2012 are based on 93549 reporting branches out of 96050 total branches & that for 2011 based on 77710 reporting branches out of 84825 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.
Source : Basic Statistical Returns 1 & 2, Department of Statistics and Information Management, RBI.