15. Deployment of Gross Bank Credit by Major Sectors

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شائع کیا گیا پر اگست 10, 2017

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15. Deployment of Gross Bank Credit by Major Sectors

(₹ Billion)
Item	Outstanding as on				Growth (%)
	Mar. 31, 2017	2016	2017		Financial year so far	Y-o-Y
	Mar. 31, 2017	Jun. 24	May 26	Jun. 23	2017-18	2017
	1	2	3	4	5	6
1 Gross Bank Credit	71,347	66,295	68,776	69,209	-3.0	4.4
1.1 Food Credit	400	757	533	511	27.7	-32.5
1.2 Non-food Credit	70,947	65,538	68,243	68,698	–3.2	4.8
1.2.1 Agriculture & Allied Activities	9,924	9,044	9,657	9,719	–2.1	7.5
1.2.2 Industry	26,800	26,469	26,068	26,185	–2.3	-1.1
1.2.2.1 Micro & Small	3,697	3,598	3,605	3,616	–2.2	0.5
1.2.2.2 Medium	1,048	1,090	983	1,002	–4.4	-8.1
1.2.2.3 Large	22,055	21,782	21,480	21,567	–2.2	-1.0
1.2.3 Services	18,022	15,651	16,345	16,393	–9.0	4.7
1.2.3.1 Transport Operators	1,104	1,055	1,094	1,102	–0.2	4.4
1.2.3.2 Computer Software	179	192	172	169	–5.7	-11.9
1.2.3.3 Tourism, Hotels & Restaurants	375	376	361	361	–3.7	-4.0
1.2.3.4 Shipping	84	100	75	76	–9.6	-24.6
1.2.3.5 Professional Services	1,377	1,135	1,296	1,278	–7.2	12.6
1.2.3.6 Trade	4,279	3,872	4,095	4,078	–4.7	5.3
1.2.3.6.1 Wholesale Trade	1,932	1,711	1,806	1,787	–7.5	4.5
1.2.3.6.2 Retail Trade	2,347	2,161	2,289	2,291	–2.4	6.0
1.2.3.7 Commercial Real Estate	1,856	1,832	1,781	1,771	–4.6	-3.3
1.2.3.8 Non-Banking Financial Companies (NBFCs)	3,910	3,451	3,415	3,410	–12.8	-1.2
1.2.3.9 Other Services	4,859	3,639	4,057	4,149	–14.6	14.0
1.2.4 Personal Loans	16,200	14,374	16,173	16,401	1.2	14.1
1.2.4.1 Consumer Durables	208	187	172	173	–16.9	-7.7
1.2.4.2 Housing	8,601	7,734	8,588	8,619	0.2	11.4
1.2.4.3 Advances against Fixed Deposits	661	613	572	597	–9.6	-2.5
1.2.4.4 Advances to Individuals against share & bond	48	56	51	52	10.3	-7.0
1.2.4.5 Credit Card Outstanding	521	425	558	567	8.7	33.4
1.2.4.6 Education	701	683	697	695	–0.8	1.8
1.2.4.7 Vehicle Loans	1,705	1,564	1,731	1,716	0.6	9.7
1.2.4.8 Other Personal Loans	3,755	3,112	3,804	3,982	6.0	28.0
1.2A Priority Sector	24,357	22,588	23,379	23,492	–3.5	4.0
1.2A.1 Agriculture & Allied Activities	9,909	9,034	9,640	9,698	–2.1	7.3
1.2A.2 Micro & Small Enterprises	9,020	8,495	8,728	8,733	–3.2	2.8
1.2A.2.1 Manufacturing	3,697	3,598	3,605	3,616	–2.2	0.5
1.2A.2.2 Services	5,322	4,898	5,123	5,117	–3.9	4.5
1.2A.3 Housing	3,683	3,473	3,526	3,571	–3.1	2.8
1.2A.4 Micro-Credit	189	184	142	142	–24.8	-22.8
1.2A.5 Education Loans	604	599	593	582	–3.7	-2.9
1.2A.6 State-Sponsored Orgs. for SC/ST	6	6	3	3	–60.8	-57.5
1.2A.7 Weaker Sections	5,546	4,927	5,153	5,258	–5.2	6.7
1.2A.8 Export Credit	425	475	401	390	–8.2	-17.8
Note: Data are provisional and relate to select 41 scheduled commercial banks, accounting for about 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.