(` Billion)

1 Gross Bank Credit

43,714

41,797

47,368

47,911

9.6

14.6

1.1 Food Credit

816

847

1,070

1,053

29.0

24.3

1.2 Non-food Credit

42,897

40,950

46,297

46,858

9.2

14.4

1.2.1 Agriculture & Allied Activities

5,225

4,733

5,580

5,603

7.2

18.4

1.2.2 Industry

19,675

18,819

21,309

21,592

9.7

14.7

1.2.2.1 Micro & Small

2,592

2,492

2,732

2,811

8.4

12.8

1.2.2.2 Medium

2,056

2,044

1,960

1,832

–10.9

–10.4

1.2.2.3 Large

15,026

14,283

16,617

16,949

12.8

18.7

1.2.3 Services

10,168

9,727

10,739

10,957

7.8

12.7

1.2.3.1 Transport Operators

713

682

724

723

1.3

6.0

1.2.3.2 Computer Software

154

150

161

167

8.7

11.7

1.2.3.3 Tourism, Hotels & Restaurants

313

313

360

351

12.2

12.3

1.2.3.4 Shipping

89

108

77

76

–14.1

–29.6

1.2.3.5 Professional Services

639

546

543

537

–15.9

–1.6

1.2.3.6 Trade

2,209

2,171

2,575

2,680

21.3

23.5

1.2.3.6.1 Wholesale Trade

1,280

1,246

1,397

1,481

15.7

18.9

1.2.3.6.2 Retail Trade

929

925

1,178

1,199

29.1

29.7

1.2.3.7 Commercial Real Estate

1,205

1,180

1,311

1,304

8.2

10.5

1.2.3.8 Non-Banking Financial Companies (NBFCs)

2,218

2,078

2,444

2,423

9.3

16.6

1.2.3.9 Other Services

2,628

2,500

2,544

2,695

2.6

7.8

1.2.4 Personal Loans

7,830

7,671

8,669

8,706

11.2

13.5

1.2.4.1 Consumer Durables

88

87

80

81

–7.8

–6.7

1.2.4.2 Housing

4,027

3,945

4,446

4,480

11.2

13.5

1.2.4.3 Advances against Fixed Deposits

685

563

605

610

–11.0

8.3

1.2.4.4 Advances to Individuals against share & bonds

38

37

34

34

–11.1

–7.7

1.2.4.5 Credit Card Outstanding

204

206

252

255

24.7

23.7

1.2.4.6 Education

502

501

547

549

9.3

9.5

1.2.4.7 Vehicle Loans

949

932

1,113

1,127

18.7

20.9

1.2.4.8 Other Personal Loans

1,336

1,401

1,592

1,571

17.6

12.2

1.2A Priority Sector

14,122

13,151

14,917

15,071

6.7

14.6

1.2A.1 Agriculture & Allied Activities

5,225

4,733

5,580

5,603

7.2

18.4

1.2A.2 Micro & Small Enterprises

5,191

4,888

5,429

5,517

6.3

12.9

1.2A.2.1 Manufacturing

2,592

2,492

2,732

2,811

8.4

12.8

1.2A.2.2 Services

2,599

2,396

2,697

2,706

4.2

13.0

1.2A.3 Housing

2,654

2,557

2,710

2,724

2.6

6.5

1.2A.4 Micro-Credit

231

210

238

242

4.8

15.5

1.2A.5 Education Loans

483

484

523

524

8.7

8.3

1.2A.6 State-Sponsored Orgs. for SC/ST

26

27

29

29

11.5

7.4

1.2A.7 Weaker Sections

2,563

2,417

2,856

2,917

13.8

20.7

1.2A.8 Export Credit

377

316

409

443

17.5

40.2