(Per cent)

Occupation

State Bank of India
& its Associates

Nationalised
Banks $

Public Sector Banks

2008

2009

2008

2009

2008

2009

(1)

(2)

(3)

(4)

(5)

(6)

Weighted Average Lending Rate

I. Agriculture

11.42

11.00

11.64

10.82

11.57

10.87

1. Direct Finance

11.60

11.48

11.41

11.11

11.48

11.24

2. Indirect Finance

11.09

9.81

11.92

10.47

11.69

10.34

II. Industry

12.06

11.17

12.57

11.10

12.41

11.13

1. Mining & Quarrying

12.13

10.16

12.89

10.37

12.65

10.28

2. Manufacturing & Processing

12.06

11.18

12.54

11.23

12.37

11.21

3. Electricity, Gas & Water

11.95

10.65

12.32

10.53

12.26

10.55

4. Construction

12.08

11.54

12.73

11.16

12.57

11.27

III. Transport Operators

12.67

11.20

12.72

12.09

12.70

11.82

IV. Professional and Other Services

11.97

12.05

12.59

12.14

12.44

12.13

V. Personal Loans

10.98

10.16

11.09

10.50

11.05

10.36

1. Loans for Purchase of Consumer Durables

14.64

11.32

14.08

11.65

14.24

11.55

2. Loans for Housing

9.73

9.63

10.10

10.13

9.95

9.93

3. Rest of the Personal Loans

13.41

11.10

13.29

11.45

13.34

11.27

VI. Trade

12.04

11.95

12.36

11.37

12.26

11.53

1. Wholesale Trade

11.70

11.70

12.13

11.16

12.01

11.32

2. Retail Trade

12.37

12.25

12.65

11.57

12.56

11.75

VII. Finance

12.26

9.77

12.76

10.18

12.66

10.13

VIII. All Others

12.09

11.60

12.52

11.38

12.49

11.39

Total Bank Credit

11.82

11.05

12.33

11.09

12.18

11.08

Weighted Average Deposit Rate of Term Deposits

8.49

8.97

8.56

8.68

8.54

8.76

Notes : 1. The data given here are based on the accounts with credit limit of over 2 lakhs.

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 for 2008 and 2009 on average deposit rate are based on 65027 and 61490 reporting branches, respectively 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. $ Includes IDBI Ltd.

Source : Basic Statistical Returns I & II, Department of Statistics and Information Management, RBI.

TABLE 11.4 : BANK GROUP-WISE AND OCCUPATION-WISE WEIGHTED AVERAGE LENDING RATE AND DEPOSIT RATE - 2008 AND 2009 (Contd.)

(Per cent)

Occupation

New Private
Sector Banks

Old Private
Sector Banks

Private Sector
Banks

2008

2009

2008

2009

2008

2009

(7)

(8)

(9)

(10)

(11)

(12)

Weighted Average Lending Rate

I. Agriculture

12.56

10.91

12.10

12.24

12.45

11.21

1. Direct Finance

12.74

10.76

12.49

13.09

12.70

11.21

2. Indirect Finance

11.88

11.16

11.65

11.35

11.79

11.22

II. Industry

12.71

12.23

12.71

12.55

12.71

12.33

1. Mining & Quarrying

12.59

11.85

12.43

11.42

12.51

11.75

2. Manufacturing & Processing

12.74

11.92

12.63

12.83

12.70

12.17

3. Electricity, Gas & Water

12.56

11.84

12.97

11.03

12.81

11.52

4. Construction

12.68

13.50

12.83

12.52

12.73

13.13

III. Transport Operators

11.72

13.59

12.27

11.67

11.78

13.27

IV. Professional and Other Services

12.97

12.43

12.59

12.71

12.85

12.51

V. Personal Loans

12.81

13.21

12.30

11.74

12.75

13.05

1. Loans for Purchase of Consumer Durables

14.96

13.26

14.68

12.52

14.68

12.87

2. Loans for Housing

11.55

12.16

10.62

11.17

11.45

12.04

3. Rest of the Personal Loans

14.64

14.58

14.19

12.65

14.59

14.41

VI. Trade

12.63

12.95

13.00

13.52

12.82

13.23

1. Wholesale Trade

12.22

12.82

12.64

12.92

12.46

12.87

2. Retail Trade

12.87

13.04

13.30

13.85

13.08

13.45

VII. Finance

12.80

10.49

12.76

11.24

12.78

10.65

VIII. All Others

12.69

12.70

12.57

12.58

12.66

12.67

Total Bank Credit

12.70

12.48

12.63

12.49

12.68

12.48

Weighted Average Deposit Rate of Term Deposits

9.46

9.57

8.87

9.40

9.31

9.52

Notes : 1. The data given here are based on the accounts with credit limit of over 2 lakhs.

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 for 2008 and 2009 on average deposit rate are based on 65027 and 61490 reporting branches, respectively having term deposits.

6. Mid-points of the interest rate range were taken as values and total deposit amount in the range as weights.

Source : Basic Statistical Returns I & II, Department of Statistics and Information Management, RBI.

TABLE 11.4 : BANK GROUP-WISE AND OCCUPATION-WISE WEIGHTED AVERAGE LENDING RATE AND DEPOSIT RATE - 2008 AND 2009 (Concld.)

(Per cent)

Occupation

Foreign Banks

Regional Rural
Banks

All Scheduled
Commercial Banks

2008

2009

2008

2009

2008

2009

(13)

(14)

(15)

(16)

(17)

(18)

Weighted Average Lending Rate

I. Agriculture

12.74

11.10

12.12

12.30

11.77

10.99

1. Direct Finance

12.24

11.27

12.12

12.31

11.80

11.30

2. Indirect Finance

13.05

11.03

12.06

12.23

11.71

10.53

II. Industry

12.31

12.18

12.23

12.47

12.44

11.34

1. Mining & Quarrying

11.04

9.71

13.25

13.18

12.60

10.48

2. Manufacturing & Processing

12.27

11.97

12.70

12.78

12.40

11.39

3. Electricity, Gas & Water

13.06

12.22

12.59

12.27

12.31

10.67

4. Construction

12.62

14.38

11.57

12.09

12.60

11.66

III. Transport Operators

13.06

11.59

12.83

13.03

12.29

12.29

IV. Professional and Other Services

12.93

13.46

12.47

12.81

12.59

12.32

V. Personal Loans

14.17

15.23

11.85

11.55

11.95

11.61

1. Loans for Purchase of Consumer Durables

18.29

6.62

13.31

12.42

16.73

12.23

2. Loans for Housing

10.97

12.43

10.69

10.84

10.54

10.73

3. Rest of the Personal Loans

17.28

20.33

13.48

12.51

14.28

13.21

VI. Trade

13.66

13.50

12.83

13.12

12.45

11.90

1. Wholesale Trade

13.07

11.70

12.74

13.00

12.13

11.52

2. Retail Trade

14.13

15.11

12.85

13.15

12.78

12.25

VII. Finance

13.02

10.85

11.85

12.62

12.69

10.27

VIII. All Others

13.40

13.63

12.23

12.38

12.59

11.86

Total Bank Credit

13.05

13.14

12.18

12.29

12.34

11.47

Weighted Average Deposit Rate of Term Deposits

8.03

6.90

8.19

8.72

8.71

8.84

Notes : 1. The data given here are based on the accounts with credit limit of over 2 lakhs.

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 for 2008 and 2009 on average deposit rate are based on 65027 and 61490 reporting branches, respectively having term deposits.

6. Mid-points of the interest rate range were taken as values and total deposit amount in the range as weights.

Source : Basic Statistical Returns I & II, Department of Statistics and Information Management, RBI.