(Amount in Rs. crore)

Sr. No.

Sector

Outstanding as on

Variation

March 18,
2005

March 31,
2006

March 30,
2007

2005-06

2006-07

1

2

3

4

5

6

I.

Gross Bank Credit (II + III)

10,45,954

14,43,920

18,41,878

3,97,966

3,97,958

II.

Food Credit

41,121

40,691

46,521

-430

5,830

III.

Non-Food Gross Bank Credit (1 to 4)

10,04,833

14,03,229

17,95,357

3,98,396

3,92,128

(100.0)

(100.0)

(100.0)

(100.0)

(100.0)

1. Agriculture and Allied Activities

1,24,269

1,73,875

2,30,180

49,606

56,305

(12.4)

(12.4)

(12.8)

(12.5)

(14.4)

2. Industry (Small, Medium and Large)

4,23,136

5,49,940

6,91,483

1,26,804

1,41,543

(42.1)

(39.2)

(38.5)

(31.8)

(36.1)

3.Services

2,01,080

3,19,334

4,18,191

1,18,254

98,857

(20.0)

(22.8)

(23.3)

(29.7)

(25.2)

3.1 Transport Operators

8,396

17,341

26,416

8,945

9,075

(0.8)

(1.2)

(1.5)

(2.2)

(2.3)

3.2 Computer Software

2,760

3,625

5,093

865

1,468

(0.3)

(0.3)

(0.3)

(0.2)

(0.4)

3.3 Tourism and Hotels and Restaurants

4,199

7,732

9,704

3,533

1,972

(0.4)

(0.6)

(0.5)

(0.9)

(0.5)

3.4 Shipping

1,167

4,351

6,838

3,184

2,487

(0.1)

(0.3)

(0.4)

(0.8)

(0.6)

3.5 Professional and Other Services

9,656

15,283

23,782

5,627

8,499

(1.0)

(1.1)

(1.3)

(1.4)

(2.2)

3.6 Trade

58,195

83,428

1,08,041

25,233

24,613

(5.8)

(5.9)

(6.0)

(6.3)

(6.3)

3.6.1 Wholesale Trade

31,559

39,584

49,506

8,025

9,922

(other than food procurement)

(3.1)

(2.8)

(2.8)

(2.0)

(2.5)

3.6.2

Retail Trade

26,636

43,844

58,535

17,208

14,691

(2.7)

(3.1)

(3.3)

(4.3)

(3.7)

3.7 Real Estate Loans

13,546

26,693

45,328

13,147

18,635

(1.3)

(1.9)

(2.5)

(3.3)

(4.8)

3.8 Non-Banking Financial Companies

22,807

34,270

48,496

11,463

14,226

(2.3)

(2.4)

(2.7)

(2.9)

(3.6)

3.9 All Others

80,354

1,26,611

1,44,493

46,257

17,882

(8.0)

(9.0)

(8.0)

(11.6)

(4.6)

4. Personal Loans

2,56,348

3,60,081

4,55,503

1,03,733

95,422

(25.5)

(25.7)

(25.4)

(26.0)

(24.3)

4.1 Consumer Durables

8,976

7,101

9,151

-1,875

2,050

(0.9)

(0.5)

(0.5)

-(0.5)

(0.5)

4.2

Housing

1,33,908

1,85,181

2,30,689

51,273

45,508

(13.3)

(13.2)

(12.8)

(12.9)

(11.6)

4.3 Advances against Fixed Deposits
(including FCNR (B), NRNR Deposits, etc.)

29,774

34,283

40,455

4,509

6,172

(3.0)

(2.4)

(2.3)

(1.1)

(1.6)

4.4 Advances to individuals against share,bonds, etc.

4,101

5,226

4,511

1,125

-715

(0.4)

(0.4)

(0.3)

(0.3)

-(0.2)

4.5 Credit Card Outstandings

6,432

9,086

13,316

2,654

4,230

(0.6)

(0.6)

(0.7)

(0.7)

(1.1)

4.6 Education

5,680

9,962

15,020

4,282

5,058

(0.6)

(0.7)

(0.8)

(1.1)

(1.3)

4.7 Other Personal Loans

67,477

1,09,242

1,42,361

41,765

33,119

(6.7)

(7.8)

(7.9)

(10.5)

(8.4)

Memo:

5.

Priority Sector

3,74,953

5,10,175

6,32,647

1,35,222

1,22,472

(37.3)

(36.4)

(35.2)

(33.9)

(31.2)

5.1 Agriculture & Allied Activities

1,24,269

1,73,875

2,30,180

49,606

56,305

(12.4)

(12.4)

(12.8)

(12.5)

(14.4)

5.2 SSI

74,189

91,020

1,16,908

16,831

25,888

(7.4)

(6.5)

(6.5)

(4.2)

(6.6)

5.3 Housing

90,298

1,33,200

1,61,832

42,902

28,632

(9.0)

(9.5)

(9.0)

(10.8)

(7.3)

Note:
1. Data are provisional and relate to 51 scheduled commercial banks which account for more
than 90 per cent of bank credit of all scheduled commercial banks.
2. Due to reclassification of sectors, data for March 2006 onwards is not strictly
comparable with the earlier periods.
3. Variations for 2005-06 cover data for 27 fortnights (instead of 26 fortnights in a year).
4. Gross bank credit data include bills rediscounted with Reserve Bank, EXIM Bank, other approved financial institutions and inter-bank participations.
5. Figures in parentheses provide the share in total non-food gross bank credit.