15. Deployment of Gross Bank Credit by Major Sectors

ମୁଖ୍ୟ କଣ୍ଟେଣ୍ଟ କୁ ଯାଆନ୍ତୁ

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ପ୍ରକାଶିତ ତାରିଖ ଜୁନ 25, 2025

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15. Deployment of Gross Bank Credit by Major Sectors

(₹ Crore)

Sector

Outstanding as on

Growth(%)

Mar. 21, 2025

2024

2025

Financial year so far

Y-o-Y

Apr. 19

Mar. 21

Apr. 18

2025-26

2025

I. Bank Credit (II + III)

18243936

16491796

18243936

18186759

-0.3

10.3

(17822569)

(15970978)

(17822569)

(17774269)

(-0.3)

(11.3)

II. Food Credit

36531

18090

36531

32126

-12.1

77.6

III. Non-food Credit

18207404

16473706

18207404

18154634

-0.3

10.2

(17786038)

(15952888)

(17786038)

(17742144)

(-0.2)

(11.2)

1. Agriculture & Allied Activities

2287071

2115986

2287071

2309631

1.0

9.2

2. Industry (Micro and Small, Medium and Large)

3937149

3655455

3937149

3895471

-1.1

6.6

(3925090)

(3639138)

(3925090)

(3883660)

(-1.1)

(6.7)

2.1 Micro and Small

791721

731994

791721

798669

0.9

9.1

2.2 Medium

360475

309427

360475

365378

1.4

18.1

2.3 Large

2784953

2614034

2784953

2731423

-1.9

4.5

3. Services

5161462

4605915

5161462

5088547

-1.4

10.5

(5094021)

(4509188)

(5094021)

(5012374)

(-1.6)

(11.2)

3.1 Transport Operators

258409

234760

258409

260093

0.7

10.8

3.2 Computer Software

32915

24774

32915

33451

1.6

35.0

3.3 Tourism, Hotels & Restaurants

83091

77054

83091

84692

1.9

9.9

3.4 Shipping

7305

6884

7305

7778

6.5

13.0

3.5 Aviation

46026

44998

46026

46540

1.1

3.4

3.6 Professional Services

195956

173429

195956

194449

-0.8

12.1

3.7 Trade

1186787

1020885

1186787

1163877

-1.9

14.0

3.7.1. Wholesale Trade¹

648619

537086

648619

621874

-4.1

15.8

3.7.2 Retail Trade

538168

483799

538168

542003

0.7

12.0

3.8 Commercial Real Estate

532757

468803

532757

549472

3.1

17.2

(488689)

(402521)

(488689)

(503090)

(2.9)

(25.0)

3.9 Non-Banking Financial Companies (NBFCs)² of which,

1636098

1564519

1636098

1610587

-1.6

2.9

3.9.1 Housing Finance Companies (HFCs)

323146

330115

323146

314881

-2.6

-4.6

3.9.2 Public Financial Institutions (PFIs)

228678

232074

228678

220806

-3.4

-4.9

3.10 Other Services³

1182118

989810

1182118

1137607

-3.8

14.9

(1166422)

(969994)

(1166422)

(1116037)

(-4.3)

(15.1)

4. Personal Loans

5952299

5346354

5952299

5980893

0.5

11.9

(5610478)

(4938617)

(5610478)

(5656449)

(0.8)

(14.5)

4.1 Consumer Durables

23402

23577

23402

23279

-0.5

-1.3

4.2 Housing

3010477

2741455

3010477

3008941

-0.1

9.8

(2689068)

(2358299)

(2689068)

(2704137)

(0.6)

(14.7)

4.3 Advances against Fixed Deposits

141101

121868

141101

143518

1.7

17.8

4.4 Advances to Individuals against share & bonds

10080

8472

10080

10488

4.0

23.8

4.5 Credit Card Outstanding

284366

259641

284366

287172

1.0

10.6

4.6 Education

137456

119125

137456

137454

0.0

15.4

4.7 Vehicle Loans

622794

578504

622794

629691

1.1

8.8

4.8 Loan against gold jewellery⁴

208735

101552

208735

223034

6.9

119.6

4.9 Other Personal Loans

1513889

1392161

1513889

1517316

0.2

9.0

(1493525)

(1367743)

(1493525)

(1497721)

(0.3)

(9.5)

5. Priority Sector (Memo)

(i) Agriculture & Allied Activities⁵

2287804

2060244

2287804

2233685

-2.4

8.4

(ii) Micro & Small Enterprises⁶

2240503

1964032

2240503

2313293

3.2

17.8

(iii) Medium Enterprises⁷

601451

498958

601451

604299

0.5

21.1

(iv) Housing

746651

753576

746651

744228

-0.3

-1.2

(665107)

(659843)

(665107)

(663951)

(-0.2)

(0.6)

(v) Education Loans

62825

61027

62825

62637

-0.3

2.6

(vi) Renewable Energy

10325

5712

10325

11979

16.0

109.7

(vii) Social Infrastructure

1316

2619

1316

1147

-12.9

-56.2

(viii) Export Credit

12361

12539

12361

13086

5.9

4.4

(ix) Others

47900

75152

47900

48689

1.6

-35.2

(x) Weaker Sections including net PSLC- SF/MF

1820904

1605821

1820904

1789687

-1.7

11.5

Notes: (1) Data are provisional. Bank credit, Food credit and Non-food credit data are based on Section-42 return, which covers all scheduled commercial banks (SCBs), while sectoral non-food credit data are based on sector-wise and industry-wise bank credit (SIBC) return, which covers select banks accounting for about 95 per cent of total non-food credit extended by all SCBs, pertaining to the last reporting Friday of the month.
(2) Data since July 28, 2023 include the impact of the merger of a non-bank with a bank.
(3) Figures in parentheses exclude the impact of the merger.
1 Wholesale trade includes food procurement credit outside the food credit consortium.
2 NBFCs include HFCs, PFIs, Microfinance Institutions (MFIs), NBFCs engaged in gold loan and others.
3 “Other Services” include Mutual Fund (MFs), Banking and Finance other than NBFCs and MFs, and other services which are not indicated elsewhere under services.
4 Since May 2024, a bank has changed the classification of a category of agricultural loan into “Loans against gold jewellery” under retail segment.
5 “Agriculture and Allied Activities” under the priority sector also include priority sector lending certificates (PSLCs).
6 “Micro and Small Enterprises” under the priority sector include credit to micro and small enterprises in industry and services sectors and also include PSLCs.
7 “Medium Enterprises” under the priority sector include credit to medium enterprises in industry and services sectors.