(in per cent)

Regional Rural

Other Scheduled

All Scheduled

Occupation

Banks

Commercial

Banks

Commercial Banks

2004

2005

2004

2005

2004

2005

(7)

(8)

(9)

(10)

(11)

(12)

Weighted Average Lending Rate

I.

Agriculture

14.18

13.28

14.55

13.88

13.03

12.45

1.

Direct Finance

14.19

13.30

14.31

13.58

12.76

11.97

2.

Indirect Finance

14.05

13.07

14.89

14.42

13.29

13.00

II.

Industry

13.77

13.00

14.53

14.03

13.44

13.21

1.

Mining & Quarrying

14.74

13.68

14.41

14.31

13.31

13.18

2.

Manufacturing & Processing

14.18

13.35

14.55

14.00

13.51

13.20

3.

Electricity, Gas & Water

17.78

16.48

14.94

14.70

13.31

13.36

4.

Construction

12.70

12.48

14.14

13.92

13.10

13.16

III.

Transport Operators

14.26

13.38

14.41

14.95

13.56

13.99

IV.

Professional and Other Services

14.01

13.04

13.83

14.28

13.45

13.43

V.

Personal Loans

12.24

11.56

13.45

11.40

12.22

10.95

1.

Loans for Purchase of Consumer Durables

14.49

14.99

15.94

16.48

15.08

14.68

2.

Loans for Housing

11.51

10.52

11.54

8.55

10.66

8.85

3.

Rest of the Personal Loans

14.18

14.27

16.25

15.21

14.93

14.78

VI.

Trade

13.93

13.24

13.47

13.44

11.49

11.52

1.

Wholesale Trade

13.86

13.16

12.75

12.73

10.68

10.67

2.

Retail Trade

13.96

13.27

14.35

13.93

13.36

12.95

VII.

Finance

12.43

12.69

14.56

14.89

13.44

13.52

VIII.

All Others

13.74

13.15

14.36

14.04

13.22

13.22

Total Bank Credit

13.64

12.82

14.13

13.28

12.96

12.57

Of which

1.

Artisans & Village Industries

14.49

13.74

14.35

14.74

12.48

11.97

2.

Other Small Scale Industries

14.36

13.43

13.94

13.47

12.81

12.29

Weighted Average Deposit Rate

of Term Deposits

8.34

7.52

6.33

6.35

6.51

6.18

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 2005 on average deposit rate are based on 57938 reporting branches out of 67558 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.