(Amount in Rs. crore)

Sr.

Sector

Outstanding as on

Variation

No.

March 31,

March 31,

March 28,

2006-07

2007-08

2006

2007

2008

1

2

3

4

5

6

I.

Gross Bank Credit (II + III)

14,45,531

18,48,166

22,47,437

4,02,635

3,99,271

II.

Food Credit

40,691

46,927

44,399

6,236

-2,528

III.

Non-Food Gross Bank Credit (1 to 4)

14,04,840

18,01,239

22,03,038

3,96,399

4,01,799

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

1. Agriculture and Allied Activities

1,73,972

2,30,398

2,73,658

56,426

43,260

(12.4)

(12.8)

(12.4)

(14.2)

(10.8)

2. Industry (Small, Medium and Large)

5,50,444

6,97,334

8,71,900

1,46,890

1,74,566

(39.2)

(38.7)

(39.6)

(37.1)

(43.4)

3.

Services

3,20,177

4,16,773

5,46,516

96,596

1,29,743

(22.8)

(23.1)

(24.8)

(24.4)

(32.3)

3.1 Transport Operators

17,341

26,519

37,447

9,178

10,928

(1.2)

(1.5)

(1.7)

(2.3)

(2.7)

3.2 Computer Software

3,637

5,156

8,163

1,519

3,007

(0.3)

(0.3)

(0.4)

(0.4)

(0.7)

3.3 Tourism and Hotels and Restaurants

7,734

9,759

12,165

2,025

2,406

(0.6)

(0.5)

(0.6)

(0.5)

(0.6)

3.4 Shipping

4,358

6,860

7,509

2,502

649

(0.3)

(0.4)

(0.3)

(0.6)

(0.2)

3.5 Professional and Other Services

15,283

23,926

29,756

8,643

5,830

(1.1)

(1.3)

(1.4)

(2.2)

(1.5)

3.6 Trade

83,535

1,06,612

1,22,297

23,077

15,685

(5.9)

(5.9)

(5.6)

(5.8)

(3.9)

3.6.1 Wholesale Trade

39,691

50,113

54,585

10,422

4,472

(other than food procurement)

(2.8)

(2.8)

(2.5)

(2.6)

(1.1)

3.6.2 Retail Trade

43,844

56,499

67,712

12,655

11,213

(3.1)

(3.1)

(3.1)

(3.2)

(2.8)

3.7 Real Estate Loans

26,723

45,206

62,276

18,483

17,070

(1.9)

(2.5)

(2.8)

(4.7)

(4.2)

3.8 Non-Banking Financial Companies

34,305

49,027

75,301

14,722

26,274

(2.4)

(2.7)

(3.4)

(3.7)

(6.5)

3.9 All Others

1,27,261

1,43,708

1,91,602

16,447

47,894

(9.1)

(8.0)

(8.7)

(4.1)

(11.9)

4.

Personal Loans

3,60,248

4,56,734

5,05,390

96,486

48,656

(25.6)

(25.4)

(22.9)

(24.3)

(12.1)

4.1 Consumer Durables

7,106

9,189

8,663

2,083

-526

(0.5)

(0.5)

(0.4)

(0.5)

-(0.1)

4.2 Housing

1,85,203

2,30,994

2,55,653

45,791

24,659

(13.2)

(12.8)

(11.6)

(11.6)

(6.1)

4.3 Advances against Fixed Deposits

34,417

40,239

45,031

5,822

4,792

(including FCNR (B), NRNR Deposits, etc.)

(2.4)

(2.2)

(2.0)

(1.5)

(1.2)

4.4 Advances to individuals against share, bonds, etc.

5,227

4,854

4,865

-373

11

(0.4)

(0.3)

(0.2)

-(0.1)

(0.0)

4.5 Credit Card Outstandings

9,086

13,416

19,259

4,330

5,843

(0.6)

(0.7)

(0.9)

(1.1)

(1.5)

4.6 Education

9,962

15,209

20,547

5,247

5,338

(0.7)

(0.8)

(0.9)

(1.3)

(1.3)

4.7 Other Personal Loans

1,09,247

1,42,833

1,56,723

33,586

13,890

(7.8)

(7.9)

(7.1)

(8.5)

(3.5)

Memo:

5.

Priority Sector

5,10,738

6,34,142

7,38,686

1,23,404

1,04,544

(36.4)

(35.2)

(33.5)

(31.1)

(26.0)

5.1 Agriculture & Allied Activities

1,73,972

2,30,398

2,73,658

56,426

43,260

(12.4)

(12.8)

(12.4)

(14.2)

(10.8)

5.2 SSI

91,212

1,17,880

1,55,804

26,668

37,924

(6.5)

(6.5)

(7.1)

(6.7)

(9.4)

5.3 Housing

1,33,200

1,60,345

1,82,646

27,145

22,301

(9.5)

(8.9)

(8.3)

(6.8)

(5.6)

Note :
1 Data are provisional and relate to select scheduled commercial banks which account for more than 90 per cent of bank
credit of all scheduled commercial banks. Data include the figures of Bharat Overseas Bank, which was merged with Indian Overseas Bank on March 31, 2007.
2 Grossbank credit data include bills rediscounted with Reserve Bank, Exim Bank, other financial institutions and inter-bank participations.
3 Figures in parentheses represent the share in total non-food gross bank credit.