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Table 11.4 : Bank Group-Wise and occupation-wise Weighted Average Lending Rate and Deposit Rate : 2003 and 2004

 

     

(in per cent)

                   
       

As on March 31

                   
       

State Bank of India

Nationalised

 

Foreign

 

Occupation

 

and its Associates

Banks

   

Banks

       

2003

2004

2003

2004

2003

2004

       

(1)

(2)

(3)

(4)

(5)

(6)

                   

Weighted Average Lending Rate

           
                   

I.

Agriculture

 

13.12

12.56

13.2

12.9

12.66

13.49

                   
 

1.

Direct Finace

 

13.09

11.94

13.53

12.66

12.68

13.51

                   
 

2.

Indirect Finance

 

13.16

13.27

12.91

13.09

12.48

13.37

                   

II.

Industry

 

12.6

12.78

13.73

13.12

14.74

14.3

                   
 

1.

Mining & Quarrying

9.54

13.09

13.56

13.1

15.59

13.73

                   
 

2.

Manufacturing &

Processing

13.05

12.74

13.87

13.21

14.71

14.29

                   
 

3.

Electricity, Gas &

Water

12.57

13.17

12.98

12.85

15.47

14.05

                   
 

4.

Construction

 

12.56

12.59

13.4

12.83

14.47

14.71

                   

III.

Transport Operators

 

13.46

13.08

13.3

12.95

12.83

14.97

                   

IV.

Professional and Other Services

13.06

12.82

13.66

12.95

14.64

14.72

                   

V.

Personal Loans

 

11.85

10.74

12.24

11.28

14.78

15.19

                   
 

1.

Loans for Purchase of Consumer Durables

13.92

14.5

14.4

14.22

19

16.99

                   
 

2.

Loans for Housing

 

11.13

9.07

11.4

10.07

13.73

14.6

                   
 

3.

Rest of the Personal Loans

13.93

14.11

13.75

13.68

15.97

15.94

                   

VI.

Trade

 

11.62

10.52

12.56

11.3

14.47

14.42

                   
 

1.

Wholesale Trade

 

11.39

10.11

12.13

10.49

14.64

14.95

                   
 

2.

Retail Trade

 

13.2

12.4

14.16

13.19

14.33

14.1

                   

VII.

Finance

 

12.74

13.24

12.49

12.91

14.17

14.86

                   

VIII.

All Others

 

12.96

12.54

13.6

13.13

16.68

15.62

                   

Total Bank Credit

 

12.44

12.16

13.2

12.56

14.68

14.64

                   
 

Of which:

             
                   
 

1.

Artisans & Village

Industries

12.76

11.77

14.57

13.18

19.55

18.09

                   
 

2.

Other Small Scale Industries

13.01

12.11

14.06

12.89

12.84

12.77

                   

Weighted Average Deposit

Rate

           

of Term Deposits

 

9.63

6.38

8.66

6.61

6.67

4.74

                   

Notes

1.The data given here are based on the accounts with creditlimit of over Rs.2 lakhs.

2.The lending rates are exclusive of inland and 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 2004 on average depoist rate are based on 57654 reporting branches

out of 66517 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.

 

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