(Amount in ` Billion)

I

Non-food Credit (1+2+3+4)

36774.29

36836.27

37089.32

37281.58

37610.90

37968.93

1

Agriculture & Allied Activities

4527.00

4507.80

4538.10

4430.04

4394.61

4337.91

2

Industry (Micro & Small, Medium and Large)

16369.15

16577.27

16675.77

16797.80

17144.19

17421.63

2.1 Micro & Small

2336.29

2333.30

2333.83

2385.21

2396.74

2429.91

2.2 Medium

1870.26

1880.45

1871.05

1890.06

1929.86

1956.66

2.3 Large

12162.60

12363.52

12470.90

12522.54

12817.59

13035.07

3

Services

8966.37

8819.17

8922.89

9040.57

8851.77

9124.13

3.1 Transport Operators

652.46

643.48

655.48

626.07

650.04

668.48

3.2 Computer Software

142.23

141.15

148.97

145.23

137.17

140.40

3.3 Tourism, Hotels & Restaurants

283.24

285.29

293.16

290.20

290.82

294.18

3.4 Shipping

90.98

91.26

96.19

90.94

89.89

93.87

3.5 Professional Services

602.48

581.23

582.44

505.90

516.63

595.22

3.6 Trade

1853.92

1841.88

1851.42

1872.06

1861.69

1861.88

3.6.1 Wholesale Trade (other than food procurement)

1028.17

1017.03

1018.37

998.98

974.51

1025.31

3.6.2 Retail Trade

825.75

824.85

833.04

873.09

887.17

836.57

3.7 Commercial Real Estate

1145.50

1146.76

1133.76

1132.45

1116.52

1144.59

3.8 Non-Banking Financial Companies (NBFCs)

1739.44

1714.56

1691.40

1729.40

1748.80

1837.61

3.9 Other Services

2456.13

2373.56

2470.09

2648.32

2440.22

1899.88

4

Personal Loans

6911.77

6932.04

6952.55

7013.18

7100.19

7085.26

4.1 Consumer Durables

105.58

103.01

101.82

98.14

84.78

84.92

4.2 Housing (Including Priority Sector Housing)

3533.38

3584.02

3588.26

3616.02

3641.71

3668.89

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

601.78

593.81

611.13

534.23

544.61

603.92

4.4 Advances to Individuals against share, bonds, etc.

34.35

34.42

34.73

32.92

33.24

31.97

4.5 Credit Card Outstanding

172.68

186.49

181.34

186.04

189.80

189.07

4.6 Education

438.15

439.37

444.89

463.81

476.49

483.39

4.7 Vehicle Loans

801.64

808.60

823.30

835.11

841.32

839.81

4.8 Other Personal Loans

1224.21

1182.32

1167.08

1246.91

1288.23

1183.28

5

Priority Sector

12345.83

12350.51

12475.99

12445.76

12188.91

12452.33

5.1 Agriculture & Allied Activities

4527.00

4507.80

4538.10

4430.04

4394.61

4337.91

5.2 Micro & Small Enterprises

4557.96

4559.57

4574.08

4638.60

4688.74

4716.97

5.2(a) Manufacturing

2336.29

2333.30

2333.83

2385.21

2396.74

2429.91

5.2(b) Services

2221.67

2226.28

2240.26

2253.39

2292.01

2287.06

5.3 Housing

2343.00

2376.27

2383.99

2380.59

2363.42

2382.33

5.4 Micro-Credit

259.02

252.31

271.37

241.78

235.53

224.80

5.5 Education Loans

430.82

431.70

436.00

446.78

467.59

476.33

5.6 State-Sponsored Orgs. for SC/ST

20.37

20.35

21.44

25.10

16.88

16.80

5.7 Weaker Sections

2043.93

2032.35

2035.09

2014.58

1976.78

2072.20

5.8 Export Credit

309.23

304.43

334.42

330.51

367.77

407.17

Note : 1. Data are provisional and relate to select banks which cover 95 per cent of total non-food credit extended by all scheduled commercial banks.
2. Export credit under priority sector relates to foreign banks only.
3. Micro & small under item 2.1 includes credit to micro & small industries in manufacturing sector.
4. Micro & small enterprises under item 5.2 includes credit to micro & small enterprises in manufacturing as well as services sector.
5. Micro credit under priority sector includes loans of very small amount not exceeding Rs. 50,000 per borrower provided by banks either directly or indirectly through a Self Help Groups (SHGs)/ Joint Liability Groups (JLGs) mechanism or to Non-banking Finance Companies (NBFCs)/ Micro Finance Institutions (MFIs) for on-lending up to Rs. 50,000 per borrower.
6. For details of priority sector, please refer RBI Circular RBI/2006-2007/358 RPCD. No. Plan. BC. 84 /04.09.01/ 2006-07 April 30, 2007.
7. Data on credit to commercial real estate since Sep 2009 are not comparable with the earlier data, due to change in definition with effect from Sep 2009.
Source : Monetary Policy Department, RBI.

TABLE 5.6: SECTOR-WISE GROSS BANK CREDIT OF SCHEDULED COMMERCIAL BANKS (Concld)

(Amount in ` Billion)

I

Non-food Credit (1+2+3+4)

38381.89

38723.86

40457.76

40387.90

40949.89

42897.44

1

Agriculture & Allied Activities

4353.10

4418.41

4606.38

4658.17

4739.71

5225.32

2

Industry (Micro & Small, Medium and Large)

17596.22

17711.83

18585.02

18504.39

18819.06

19674.53

2.1 Micro & Small

2438.27

2448.25

2467.81

2463.06

2495.17

2592.05

2.2 Medium

1962.37

1971.81

1985.66

2015.22

2044.07

2056.42

2.3 Large

13195.57

13291.77

14131.54

14026.11

14279.81

15026.07

3

Services

9271.05

9387.09

9846.88

9779.59

9901.85

10167.90

3.1 Transport Operators

667.10

650.46

670.77

668.71

681.57

713.35

3.2 Computer Software

139.65

146.20

150.53

150.22

149.90

154.05

3.3 Tourism, Hotels & Restaurants

298.25

302.60

315.08

311.22

312.73

313.17

3.4 Shipping

98.50

96.93

99.68

100.60

108.37

88.84

3.5 Professional Services

588.31

604.76

624.79

610.03

616.78

638.85

3.6 Trade

1973.99

2018.32

2077.14

2086.07

2120.58

2208.80

3.6.1 Wholesale Trade (other than food procurement)

1081.08

1127.47

1174.94

1184.04

1224.49

1279.59

3.6.2 Retail Trade

892.91

890.85

902.20

902.03

896.09

929.21

3.7 Commercial Real Estate

1172.67

1166.70

1180.84

1187.13

1204.01

1205.19

3.8 Non-Banking Financial Companies (NBFCs)

1854.55

1872.22

2104.44

2010.26

2078.34

2218.12

3.9 Other Services

2478.02

2528.91

2623.61

2655.37

2629.58

2627.53

4

Personal Loans

7161.53

7206.53

7419.48

7445.74

7489.28

7829.70

4.1 Consumer Durables

86.26

81.68

120.48

86.24

86.90

87.95

4.2 Housing (Including Priority Sector Housing)

3699.35

3725.03

3786.01

3819.79

3807.28

4026.78

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

609.51

587.69

587.90

610.22

608.84

684.94

4.4 Advances to Individuals against share, bonds, etc.

32.35

36.12

50.63

36.46

36.90

38.33

4.5 Credit Card Outstanding

194.01

196.11

194.89

203.12

205.93

204.35

4.6 Education

489.65

490.65

492.09

495.26

500.81

501.90

4.7 Vehicle Loans

850.88

868.77

905.77

919.41

931.61

949.04

4.8 Other Personal Loans

1199.51

1220.46

1281.71

1275.24

1311.00

1336.42

5

Priority Sector

12483.86

12539.47

12759.20

12823.28

12724.95

14122.17

5.1 Agriculture & Allied Activities

4353.10

4418.41

4606.38

4658.17

4739.71

5225.32

5.2 Micro & Small Enterprises

4738.45

4735.73

4825.43

4776.23

4861.13

5190.55

5.2(a) Manufacturing

2438.27

2448.25

2467.81

2463.06

2495.17

2592.05

5.2(b) Services

2300.17

2287.47

2357.62

2313.17

2365.95

2598.51

5.3 Housing

2362.82

2360.00

2402.21

2412.79

2531.02

2554.24

5.4 Micro-Credit

246.01

253.43

209.96

203.32

209.56

231.10

5.5 Education Loans

481.70

479.78

482.54

483.98

484.39

482.65

5.6 State-Sponsored Orgs. for SC/ST

16.70

17.15

26.19

27.00

27.67

19.35

5.7 Weaker Sections

2105.46

2112.66

2149.12

2185.86

2220.92

2563.05

5.8 Export Credit

410.99

408.92

403.92

354.08

316.11

376.99

Note : 1. Data are provisional and relate to select banks which cover 95 per cent of total non-food credit extended by all scheduled commercial banks.
2. Export credit under priority sector relates to foreign banks only.
3. Micro & small under item 2.1 includes credit to micro & small industries in manufacturing sector.
4. Micro & small enterprises under item 5.2 includes credit to micro & small enterprises in manufacturing as well as services sector.
5. Micro credit under priority sector includes loans of very small amount not exceeding Rs. 50,000 per borrower provided by banks either directly or indirectly through a Self Help Groups (SHGs)/ Joint Liability Groups (JLGs) mechanism or to Non-banking Finance Companies (NBFCs)/ Micro Finance Institutions (MFIs) for on-lending up to Rs. 50,000 per borrower.
6. For details of priority sector, please refer RBI Circular RBI/2006-2007/358 RPCD. No. Plan. BC. 84 /04.09.01/ 2006-07 April 30, 2007.
7. Data on credit to commercial real estate since Sep 2009 are not comparable with the earlier data, due to change in definition with effect from Sep 2009.
Source : Monetary Policy Department, RBI.