(` Billion)

1 Gross Bank Credit

49,642

43,793

49,642

49,815

0.3

13.8

1.1 Food Credit

946

843

946

930

–1.7

10.4

1.2 Non-food Credit

48,696

42,950

48,696

48,884

0.4

13.8

1.2.1 Agriculture & Allied Activities

5,899

5,440

5,899

6,011

1.9

10.5

1.2.2 Industry

22,302

19,382

22,302

22,390

0.4

15.5

1.2.2.1 Micro & Small

2,843

2,395

2,843

2,943

3.5

22.9

1.2.2.2 Medium

1,247

1,237

1,247

1,248

0.1

0.9

1.2.2.3 Large

18,211

15,749

18,211

18,198

–0.1

15.6

1.2.3 Services

11,486

10,180

11,486

11,359

–1.1

11.6

1.2.3.1 Transport Operators

796

784

796

815

2.3

3.9

1.2.3.2 Computer Software

169

145

169

169

–0.2

16.5

1.2.3.3 Tourism, Hotels & Restaurants

354

326

354

354

–0.1

8.7

1.2.3.4 Shipping

82

73

82

83

1.4

14.7

1.2.3.5 Professional Services

564

480

564

596

5.6

24.3

1.2.3.6 Trade

2,760

2,259

2,760

2,784

0.9

23.3

1.2.3.6.1 Wholesale Trade

1,501

1,231

1,501

1,492

–0.6

21.2

1.2.3.6.2 Retail Trade

1,259

1,028

1,259

1,292

2.7

25.7

1.2.3.7 Commercial Real Estate

1,261

1,143

1,261

1,274

1.1

11.5

1.2.3.8 Non-Banking Financial Companies (NBFCs)

2,570

2,442

2,570

2,570

0.0

5.2

1.2.3.9 Other Services

2,930

2,530

2,930

2,714

–7.4

7.3

1.2.4 Personal Loans

9,009

7,948

9,009

9,125

1.3

14.8

1.2.4.1 Consumer Durables

84

71

84

86

2.0

19.9

1.2.4.2 Housing

4,600

4,084

4,600

4,701

2.2

15.1

1.2.4.3 Advances against Fixed Deposits

611

552

611

601

–1.6

9.0

1.2.4.4 Advances to Individuals against share & bonds

31

32

31

30

–3.0

–4.3

1.2.4.5 Credit Card Outstanding

249

210

249

252

1.3

20.1

1.2.4.6 Education

550

500

550

548

–0.3

9.6

1.2.4.7 Vehicle Loans

1,111

902

1,111

1,142

2.8

26.6

1.2.4.8 Other Personal Loans

1,774

1,598

1,774

1,764

–0.5

10.4

1.2A Priority Sector

15,398

14,039

15,398

15,892

3.2

13.2

1.2A.1 Agriculture & Allied Activities

5,899

5,440

5,899

6,011

1.9

10.5

1.2A.2 Micro & Small Enterprises

5,623

4,939

5,623

5,823

3.6

17.9

1.2A.2.1 Manufacturing

2,843

2,395

2,843

2,943

3.5

22.9

1.2A.2.2 Services

2,779

2,544

2,779

2,880

3.6

13.2

1.2A.3 Housing

2,672

2,558

2,672

2,792

4.5

9.2

1.2A.4 Micro-Credit

165

163

165

172

4.0

5.6

1.2A.5 Education Loans

526

480

526

546

3.8

13.9

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

1

1

1

1

–2.4

–14.2

1.2A.7 Weaker Sections

2,734

2,392

2,734

2,890

5.7

20.8

1.2A.8 Export Credit

422

372

422

425

0.7

14.3