Table 11.4 : Bank Group-Wise and Occupation-Wise Weighted Average Lending Rate and Deposit Rate - 2007 and 2008 - ଆରବିଆଇ - Reserve Bank of India
Table 11.4 : Bank Group-Wise and Occupation-Wise Weighted Average Lending Rate and Deposit Rate - 2007 and 2008
(in per cent) |
||||||
Occupation |
State Bank of India and its Associates |
Nationalised Banks |
Foreign Banks |
|||
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
|
Weighted Average Lending Rate |
|
|
|
|
|
|
|
|
|
|
|
|
|
I. Agriculture |
11.50 |
11.42 |
11.64 |
11.64 |
13.50 |
12.74 |
1. Direct Finance |
11.57 |
11.60 |
11.19 |
11.41 |
14.19 |
12.24 |
2. Indirect Finance |
11.31 |
11.09 |
12.05 |
11.92 |
11.81 |
13.05 |
|
|
|
|
|
|
|
II. Industry |
12.10 |
12.06 |
12.43 |
12.57 |
12.77 |
12.31 |
1. Mining & Quarrying |
12.45 |
12.13 |
11.79 |
12.89 |
11.94 |
11.04 |
2. Manufacturing & Processing |
12.09 |
12.06 |
12.41 |
12.54 |
12.81 |
12.27 |
3. Electricity, Gas & Water |
12.02 |
11.95 |
12.59 |
12.32 |
12.62 |
13.06 |
4. Construction |
12.06 |
12.08 |
12.53 |
12.73 |
12.43 |
12.62 |
|
|
|
|
|
|
|
III. Transport Operators |
12.22 |
12.67 |
12.78 |
12.72 |
13.27 |
13.06 |
|
|
|
|
|
|
|
IV. Professional and Other Services |
11.76 |
11.97 |
12.18 |
12.59 |
12.76 |
12.93 |
|
|
|
|
|
|
|
V. Personal Loans |
10.48 |
10.98 |
10.38 |
11.09 |
13.47 |
14.17 |
1. Loans for Purchase of Consumer Durables |
14.14 |
14.64 |
13.89 |
14.08 |
15.75 |
18.29 |
2. Loans for Housing |
8.92 |
9.73 |
9.24 |
10.10 |
9.75 |
10.97 |
3. Rest of the Personal Loans |
13.61 |
13.41 |
13.38 |
13.29 |
17.56 |
17.28 |
|
|
|
|
|
|
|
VI. Trade |
10.82 |
12.04 |
11.34 |
12.36 |
13.12 |
13.66 |
1. Wholesale Trade |
10.16 |
11.70 |
10.65 |
12.13 |
12.74 |
13.07 |
2. Retail Trade |
11.90 |
12.37 |
12.27 |
12.65 |
13.22 |
14.13 |
|
|
|
|
|
|
|
VII. Finance |
12.99 |
12.26 |
12.26 |
12.76 |
13.23 |
13.02 |
|
|
|
|
|
|
|
VIII. All Others |
11.67 |
12.09 |
11.74 |
12.52 |
13.80 |
13.40 |
|
|
|
|
|
|
|
Total Bank Credit |
11.64 |
11.82 |
11.89 |
12.33 |
13.03 |
13.05 |
|
|
|
|
|
|
|
Weighted Average Deposit Rate of Term Deposits |
7.74 |
8.49 |
8.02 |
8.56 |
9.03 |
8.03 |
Notes : 1. The data given here are based on the accounts with credit limit of over 2 lakhs. |
TABLE 11.4 : BANK GROUP-WISE AND OCCUPATION-WISE WEIGHTED AVERAGE LENDING RATE AND DEPOSIT RATE - 2007 AND 2008 (Concld.) |
||||||
(in per cent) |
||||||
Occupation |
Regional Rural Banks |
Other Scheduled Commercial Banks |
All Scheduled Commercial Banks |
|||
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
|
(7) |
(8) |
(9) |
(10) |
(11) |
(12) |
|
Weighted Average Lending Rate |
|
|
|
|
|
|
I. Agriculture |
11.71 |
12.12 |
12.01 |
12.45 |
11.72 |
11.77 |
1. Direct Finance |
11.70 |
12.12 |
12.31 |
12.70 |
11.60 |
11.80 |
2. Indirect Finance |
11.87 |
12.06 |
11.56 |
11.79 |
11.88 |
11.71 |
|
|
|
|
|
|
|
II. Industry |
11.70 |
12.23 |
12.37 |
12.71 |
12.36 |
12.44 |
1. Mining & Quarrying |
12.84 |
13.25 |
12.98 |
12.51 |
12.18 |
12.60 |
2. Manufacturing & Processing |
12.01 |
12.70 |
12.33 |
12.70 |
12.33 |
12.40 |
3. Electricity, Gas & Water |
12.61 |
12.59 |
13.57 |
12.81 |
12.64 |
12.31 |
4. Construction |
11.25 |
11.57 |
11.90 |
12.73 |
12.33 |
12.60 |
|
|
|
|
|
|
|
III. Transport Operators |
12.44 |
12.83 |
12.18 |
11.78 |
12.49 |
12.29 |
|
|
|
|
|
|
|
IV. Professional and Other Services |
12.08 |
12.47 |
12.51 |
12.85 |
12.26 |
12.59 |
|
|
|
|
|
|
|
V. Personal Loans |
11.36 |
11.85 |
11.05 |
12.75 |
10.87 |
11.95 |
1. Loans for Purchase of Consumer Durables |
13.86 |
13.31 |
14.24 |
14.68 |
14.36 |
16.73 |
2. Loans for Housing |
10.23 |
10.69 |
8.68 |
11.45 |
9.01 |
10.54 |
3. Rest of the Personal Loans |
13.44 |
13.48 |
14.95 |
14.59 |
14.47 |
14.28 |
|
|
|
|
|
|
|
VI. Trade |
12.00 |
12.83 |
12.18 |
12.82 |
11.54 |
12.45 |
1. Wholesale Trade |
12.51 |
12.74 |
11.92 |
12.46 |
10.77 |
12.13 |
2. Retail Trade |
11.85 |
12.85 |
12.36 |
13.08 |
12.37 |
12.78 |
|
|
|
|
|
|
|
VII. Finance |
11.16 |
11.85 |
12.92 |
12.78 |
12.56 |
12.69 |
|
|
|
|
|
|
|
VIII. All Others |
11.63 |
12.23 |
12.03 |
12.66 |
11.87 |
12.59 |
|
|
|
|
|
|
|
Total Bank Credit |
11.70 |
12.18 |
11.91 |
12.68 |
11.92 |
12.34 |
|
|
|
|
|
|
|
Weighted Average Deposit Rate of Term Deposits |
7.51 |
8.19 |
8.98 |
9.31 |
8.22 |
8.71 |
Notes : 1. The data given here are based on the accounts with credit limit of over 2 lakhs. |