Table 11.4 : Bank Group-Wise and occupation-wise Weighted Average Lending Rate and Deposit Rate : 2003 and 2004

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Table 11.4 : Bank Group-Wise and occupation-wise Weighted Average Lending Rate and Deposit Rate : 2003 and 2004

			(in per cent)

				As on March 31

				State Bank of India		Nationalised			Foreign
	Occupation			and its Associates		Banks			Banks
				2003	2004	2003	2004	2003	2004
				(1)	(2)	(3)	(4)	(5)	(6)

Weighted Average Lending Rate

I.	Agriculture			13.12	12.56	13.2	12.9	12.66	13.49

	1.	Direct Finace		13.09	11.94	13.53	12.66	12.68	13.51

	2.	Indirect Finance		13.16	13.27	12.91	13.09	12.48	13.37

II.	Industry			12.6	12.78	13.73	13.12	14.74	14.3

	1.	Mining & Quarrying		9.54	13.09	13.56	13.1	15.59	13.73

	2.	Manufacturing &	Processing	13.05	12.74	13.87	13.21	14.71	14.29

	3.	Electricity, Gas &	Water	12.57	13.17	12.98	12.85	15.47	14.05

	4.	Construction		12.56	12.59	13.4	12.83	14.47	14.71

III.	Transport Operators			13.46	13.08	13.3	12.95	12.83	14.97

IV.	Professional and Other Services			13.06	12.82	13.66	12.95	14.64	14.72

V.	Personal Loans			11.85	10.74	12.24	11.28	14.78	15.19

	1.	Loans for Purchase of Consumer Durables		13.92	14.5	14.4	14.22	19	16.99

	2.	Loans for Housing		11.13	9.07	11.4	10.07	13.73	14.6

	3.	Rest of the Personal Loans		13.93	14.11	13.75	13.68	15.97	15.94

VI.	Trade			11.62	10.52	12.56	11.3	14.47	14.42

	1.	Wholesale Trade		11.39	10.11	12.13	10.49	14.64	14.95

	2.	Retail Trade		13.2	12.4	14.16	13.19	14.33	14.1

VII.	Finance			12.74	13.24	12.49	12.91	14.17	14.86

VIII.	All Others			12.96	12.54	13.6	13.13	16.68	15.62

Total Bank Credit				12.44	12.16	13.2	12.56	14.68	14.64

	Of which:

	1.	Artisans & Village	Industries	12.76	11.77	14.57	13.18	19.55	18.09

	2.	Other Small Scale Industries		13.01	12.11	14.06	12.89	12.84	12.77

Weighted Average Deposit			Rate
of Term Deposits				9.63	6.38	8.66	6.61	6.67	4.74

Notes 1.The data given here are based on the accounts with creditlimit of over Rs.2 lakhs. 2.The lending rates are exclusive of inland and 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 2004 on average depoist rate are based on 57654 reporting branches out of 66517 total branches 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 Statistical Analysis and Computer Services, RBI.