(in per cent)

I. Agriculture

10.16

11.05

9.66

11.09

9.79

11.08

1. Direct Finance

10.94

11.39

10.34

11.35

10.53

11.36

2. Indirect Finance

8.31

9.80

8.86

10.54

8.75

10.41

II. Industry

10.43

11.75

10.54

11.81

10.51

11.79

1. Mining & Quarrying

9.95

10.45

9.83

11.17

9.87

10.94

2. Manufacturing & Processing

10.34

11.91

10.77

12.17

10.61

12.08

3. Electricity, Gas & Water

10.27

11.00

9.60

10.81

9.69

10.84

4. Construction

11.05

11.68

10.76

11.74

10.83

11.73

III. Transport Operators

10.71

11.60

11.52

11.60

11.34

11.60

IV. Professional and Other Services

11.69

12.39

11.33

12.44

11.39

12.43

V. Personal Loans

9.47

10.06

9.97

10.70

9.74

10.41

1. Loans for Purchase of Consumer Durables

8.82

12.32

11.44

11.44

10.57

11.45

2. Loans for Housing

8.89

9.39

9.55

10.16

9.25

9.79

3. Rest of the Personal Loans

10.63

11.23

10.97

11.53

10.80

11.41

VI. Trade

11.15

12.12

11.23

12.40

11.21

12.32

1. Wholesale Trade

10.65

11.50

10.82

11.90

10.76

11.78

2. Retail Trade

11.73

12.88

11.64

12.89

11.67

12.89

VII. Finance

7.99

10.01

8.39

9.88

8.34

9.90

VIII. All Others

9.93

11.52

10.62

11.02

10.60

11.03

Total Bank Credit

10.25

11.31

10.38

11.49

10.34

11.44

Weighted Average Deposit Rate of Term Deposits

7.37

8.16

7.03

8.23

7.11

8.24

Notes: 1. The deposit data corresponds to only term deposits.
2. The data on average deposit rate are based on 77,710 reporting branches out of 84,825 total branches having term deposits.
3. Mid-points of the interest rate range were taken as values and total deposit amount in the range as weights.
4. The credit data pertains to accounts with credit limit over ` 0.2 million.
5. The credit data are exclusive of foreign and inland bills purchased and discounted.
6. The amount outstanding has been taken as weight for calculating average lending rates.
7. Group 'New Private Sector Banks' comprises Axis, HDFC, Development Credit, ICICI, Indusind, Kotak Mahindra and Yes Bank.

TABLE 11.4 BANK GROUP-WISE AND OCCUPATION-WISE WEIGHTED AVERAGE LENDING RATE AND DEPOSIT RATE - 2010 AND 2011 (Contd.)

(in per cent)

I. Agriculture

10.39

10.90

10.48

11.85

10.41

11.09

1. Direct Finance

10.44

11.08

11.23

11.94

10.57

11.23

2. Indirect Finance

10.22

10.12

9.58

11.64

10.00

10.52

II. Industry

10.67

11.25

11.33

12.35

10.89

11.59

1. Mining & Quarrying

11.25

11.26

10.81

11.84

11.15

11.36

2. Manufacturing & Processing

10.18

10.83

11.62

12.68

10.62

11.41

3. Electricity, Gas & Water

11.12

11.50

9.75

10.94

10.55

11.35

4. Construction

11.64

12.06

11.26

11.99

11.50

12.04

III. Transport Operators

12.30

11.70

11.23

12.33

12.12

11.79

IV. Professional and Other Services

11.39

11.50

12.11

12.82

11.60

11.77

V. Personal Loans

12.32

12.24

11.05

11.88

12.08

12.16

1. Loans for Purchase of Consumer Durables

10.96

13.92

13.38

13.14

13.36

12.55

2. Loans for Housing

10.71

10.99

10.58

11.88

10.68

11.19

3. Rest of the Personal Loans

14.56

13.78

11.92

11.80

14.19

13.42

VI. Trade

11.15

11.70

12.49

13.12

11.62

12.39

1. Wholesale Trade

11.16

11.39

12.07

12.80

11.53

12.09

2. Retail Trade

11.14

11.98

12.79

13.45

11.67

12.69

VII. Finance

8.55

9.33

9.55

11.02

8.73

9.68

VIII. All Others

11.00

11.28

12.62

12.35

11.14

11.36

Total Bank Credit

11.02

11.30

11.39

12.29

11.12

11.54

Weighted Average Deposit Rate of Term Deposits

6.42

8.54

7.59

8.60

6.84

8.56

Notes: 1. The deposit data corresponds to only term deposits.
2. The data on average deposit rate are based on 77,710 reporting branches out of 84,825 total branches having term deposits.
3. Mid-points of the interest rate range were taken as values and total deposit amount in the range as weights.
4. The credit data pertains to accounts with credit limit over ` 0.2 million.
5. The credit data are exclusive of foreign and inland bills purchased and discounted.
6. The amount outstanding has been taken as weight for calculating average lending rates.
7. Group 'New Private Sector Banks' comprises Axis, HDFC, Development Credit, ICICI, Indusind, Kotak Mahindra and Yes Bank.

TABLE 11.4 BANK GROUP-WISE AND OCCUPATION-WISE WEIGHTED AVERAGE LENDING RATE AND DEPOSIT RATE - 2010 AND 2011 (Concld.)

(in per cent)

I. Agriculture

10.72

10.36

11.88

11.87

9.99

11.11

1. Direct Finance

12.85

9.48

11.88

11.88

10.63

11.36

2. Indirect Finance

9.37

10.73

11.88

11.69

8.97

10.44

II. Industry

9.50

9.96

12.32

12.25

10.52

11.68

1. Mining & Quarrying

8.95

10.41

12.93

12.70

9.96

10.98

2. Manufacturing & Processing

9.32

9.85

12.61

12.52

10.54

11.85

3. Electricity, Gas & Water

8.03

10.01

10.74

11.98

9.75

10.88

4. Construction

11.46

10.54

12.10

11.93

10.98

11.75

III. Transport Operators

11.72

10.09

12.38

12.55

11.60

11.64

IV. Professional and Other Services

11.06

11.03

12.77

12.60

11.41

12.18

V. Personal Loans

14.56

14.69

11.21

11.60

10.60

11.09

1. Loans for Purchase of Consumer Durables

8.85

8.98

12.20

12.85

11.62

11.93

2. Loans for Housing

11.42

12.13

10.54

10.94

9.70

10.27

3. Rest of the Personal Loans

20.08

20.39

11.93

12.29

12.36

12.36

VI. Trade

11.87

10.48

12.83

12.64

11.34

12.26

1. Wholesale Trade

11.77

9.24

12.76

12.58

10.94

11.71

2. Retail Trade

11.95

12.18

12.84

12.65

11.70

12.82

VII. Finance

9.16

8.97

12.60

11.56

8.48

9.80

VIII. All Others

12.82

10.77

11.16

10.87

10.88

11.14

Total Bank Credit

11.05

10.93

11.90

11.86

10.53

11.44

Weighted Average Deposit Rate of Term Deposits

4.40

7.30

7.98

8.42

6.97

8.29

Notes: 1. The deposit data corresponds to only term deposits.
2. The data on average deposit rate are based on 77,710 reporting branches out of 84,825 total branches having term deposits.
3. Mid-points of the interest rate range were taken as values and total deposit amount in the range as weights.
4. The credit data pertains to accounts with credit limit over ` 0.2 million.
5. The credit data are exclusive of foreign and inland bills purchased and discounted.
6. The amount outstanding has been taken as weight for calculating average lending rates.
7. Group 'New Private Sector Banks' comprises Axis, HDFC, Development Credit, ICICI, Indusind, Kotak Mahindra and Yes Bank.