15. Deployment of Gross Bank Credit by Major Sectors

RbiAnnouncementWeb

Asset Publisher

Back

Published on June 11, 2018

LISTEN

PDF ( 64861 )

EXCEL ( 12908 )

15. Deployment of Gross Bank Credit by Major Sectors

(₹ Billion)
Item	Outstanding as on				Growth (%)
	Mar. 30, 2018	2017	2018		Financial year so far	Y-o-Y
	Mar. 30, 2018	Apr. 28	Mar. 30	Apr. 27	2018-19	2018
	1	2	3	4	5	6
1 Gross Bank Credit	77,223	68,981	77,223	76,130	-1.4	10.4
1.1 Food Credit	338	492	338	326	–3.6	-33.7
1.2 Non-food Credit	76,884	68,489	76,884	75,804	–1.4	10.7
1.2.1 Agriculture & Allied Activities	10,302	9,700	10,302	10,269	–0.3	5.9
1.2.2 Industry	26,993	26,245	26,993	26,511	–1.8	1.0
1.2.2.1 Micro & Small	3,730	3,618	3,730	3,629	–2.7	0.3
1.2.2.2 Medium	1,037	991	1,037	1,027	–0.9	3.6
1.2.2.3 Large	22,226	21,636	22,226	21,854	–1.7	1.0
1.2.3 Services	20,505	16,412	20,505	19,813	–3.4	20.7
1.2.3.1 Transport Operators	1,213	1,088	1,213	1,214	0.1	11.6
1.2.3.2 Computer Software	186	175	186	179	–3.7	2.5
1.2.3.3 Tourism, Hotels & Restaurants	365	360	365	371	1.7	3.1
1.2.3.4 Shipping	63	75	63	65	2.8	-13.7
1.2.3.5 Professional Services	1,554	1,343	1,554	1,532	–1.4	14.1
1.2.3.6 Trade	4,669	4,052	4,669	4,605	–1.4	13.6
1.2.3.6.1 Wholesale Trade	2,052	1,777	2,052	1,985	–3.3	11.7
1.2.3.6.2 Retail Trade	2,618	2,275	2,618	2,621	0.1	15.2
1.2.3.7 Commercial Real Estate	1,858	1,821	1,858	1,849	–0.5	1.6
1.2.3.8 Non-Banking Financial Companies (NBFCs)	4,964	3,493	4,964	4,524	–8.9	29.5
1.2.3.9 Other Services	5,633	4,003	5,633	5,472	–2.8	36.7
1.2.4 Personal Loans	19,085	16,132	19,085	19,211	0.7	19.1
1.2.4.1 Consumer Durables	197	210	197	201	2.0	-4.3
1.2.4.2 Housing	9,746	8,578	9,746	9,855	1.1	14.9
1.2.4.3 Advances against Fixed Deposits	725	582	725	710	–2.0	22.0
1.2.4.4 Advances to Individuals against share & bond	56	51	56	54	–3.5	4.9
1.2.4.5 Credit Card Outstanding	686	541	686	732	6.6	35.2
1.2.4.6 Education	697	700	697	691	–0.9	-1.4
1.2.4.7 Vehicle Loans	1,898	1,732	1,898	1,904	0.3	9.9
1.2.4.8 Other Personal Loans	5,080	3,737	5,080	5,065	–0.3	35.5
1.2A Priority Sector	25,532	23,734	25,532	24,928	–2.4	5.0
1.2A.1 Agriculture & Allied Activities	10,216	9,680	10,216	10,240	0.2	5.8
1.2A.2 Micro & Small Enterprises	9,964	8,749	9,964	9,526	–4.4	8.9
1.2A.2.1 Manufacturing	3,730	3,618	3,730	3,629	–2.7	0.3
1.2A.2.2 Services	6,234	5,131	6,234	5,897	–5.4	14.9
1.2A.3 Housing	3,756	3,623	3,756	3,667	–2.4	1.2
1.2A.4 Micro-Credit	264	182	264	255	–3.3	40.0
1.2A.5 Education Loans	607	605	607	593	–2.3	-1.9
1.2A.6 State-Sponsored Orgs. for SC/ST	3	6	3	3	1.7	-51.0
1.2A.7 Weaker Sections	5,690	5,291	5,690	5,781	1.6	9.3
1.2A.8 Export Credit	283	421	283	201	–28.9	-52.2
Note: Data are provisional and relate to select 41 scheduled commercial banks, accounting for about 90 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.