15. Deployment of Gross Bank Credit by Major Sectors

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شائع کیا گیا پر نومبر 10, 2016

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15. Deployment of Gross Bank Credit by Major Sectors

(₹ Billion)
Item	Outstanding as on				Growth (%)
	Mar. 18, 2016	2015	2016		Financial year so far	Y-o-Y
	Mar. 18, 2016	Sep. 18	Aug. 19	Sep. 30	2016-17	2016
	1	2	3	4	5	6
1 Gross Bank Credit	66,500	62,016	66,287	69,167	4.0	11.5
1.1 Food Credit	1,031	1,030	771	1,611	56.3	56.5
1.2 Non-food Credit	65,469	60,987	65,515	67,556	3.2	10.8
1.2.1 Agriculture & Allied Activities	8,829	8,133	9,177	9,427	6.8	15.9
1.2.2 Industry	27,307	26,293	26,181	26,522	–2.9	0.9
1.2.2.1 Micro & Small	3,715	3,675	3,543	3,630	–2.3	-1.2
1.2.2.2 Medium	1,148	1,136	1,079	1,107	–3.6	-2.6
1.2.2.3 Large	22,444	21,482	21,559	21,784	–2.9	1.4
1.2.3 Services	15,411	14,014	15,594	16,590	7.7	18.4
1.2.3.1 Transport Operators	997	961	1,055	1,049	5.2	9.2
1.2.3.2 Computer Software	191	197	183	183	–4.2	-7.3
1.2.3.3 Tourism, Hotels & Restaurants	371	373	385	385	3.8	3.2
1.2.3.4 Shipping	104	104	100	98	–6.0	-5.6
1.2.3.5 Professional Services	1,046	909	1,128	1,206	15.3	32.7
1.2.3.6 Trade	3,811	3,679	3,912	4,050	6.3	10.1
1.2.3.6.1 Wholesale Trade	1,686	1,759	1,761	1,809	7.3	2.8
1.2.3.6.2 Retail Trade	2,125	1,920	2,151	2,240	5.4	16.7
1.2.3.7 Commercial Real Estate	1,776	1,649	1,817	1,810	1.9	9.8
1.2.3.8 Non-Banking Financial Companies (NBFCs)	3,527	2,961	3,395	3,701	4.9	25.0
1.2.3.9 Other Services	3,587	3,182	3,619	4,108	14.5	29.1
1.2.4 Personal Loans	13,922	12,547	14,563	15,017	7.9	19.7
1.2.4.1 Consumer Durables	178	161	191	195	10.0	21.5
1.2.4.2 Housing	7,468	6,829	7,869	8,058	7.9	18.0
1.2.4.3 Advances against Fixed Deposits	667	604	595	664	–0.4	9.8
1.2.4.4 Advances to Individuals against share & bonds	64	56	57	59	–7.9	5.4
1.2.4.5 Credit Card Outstanding	377	337	431	432	14.7	28.0
1.2.4.6 Education	682	672	701	712	4.4	6.0
1.2.4.7 Vehicle Loans	1,529	1,331	1,589	1,635	6.9	22.8
1.2.4.8 Other Personal Loans	2,958	2,557	3,131	3,262	10.3	27.6
1.2A Priority Sector	22,259	20,992	22,646	23,389	5.1	11.4
1.2A.1 Agriculture & Allied Activities	8,826	8,133	9,139	9,385	6.3	15.4
1.2A.2 Micro & Small Enterprises	8,476	8,124	8,392	8,732	3.0	7.5
1.2A.2.1 Manufacturing	3,715	3,675	3,543	3,618	–2.6	-1.5
1.2A.2.2 Services	4,761	4,449	4,849	5,114	7.4	14.9
1.2A.3 Housing	3,423	3,317	3,516	3,585	4.7	8.1
1.2A.4 Micro-Credit	188	185	184	182	–3.5	-1.5
1.2A.5 Education Loans	601	606	615	620	3.1	2.4
1.2A.6 State-Sponsored Orgs. for SC/ST	5	5	6	6	22.0	26.9
1.2A.7 Weaker Sections	4,774	4,410	4,994	4,938	3.4	12.0
1.2A.8 Export Credit	424	355	459	492	16.2	38.6
Note : Data are provisional and relate to select banks which cover 95 per cent of total non-food credit extended by all scheduled commercial banks (excludes ING Vysya which has been merged with Kotak Mahindra since April 2015). Export credit under priority sector relates to foreign banks only. Micro & small under item 2.1 includes credit to micro & small industries in manufacturing sector. Micro & small enterprises under item 5.2 includes credit to micro & small enterprises in manufacturing as well as services sector. Priority Sector is as per old definition and does not conform to FIDD Circular FIDD.CO.Plan.BC.54/04.09.01/2014-15 dated April 23, 2015.