15. Deployment of Gross Bank Credit by Major Sectors

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Published on July 10, 2018

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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	May 26	Apr. 27	May 25	2018-19	2018
	1	2	3	4	5	6
1 Gross Bank Credit	77,303	68,848	76,130	76,365	-1.2	10.9
1.1 Food Credit	419	605	326	527	26.0	-12.8
1.2 Non-food Credit	76,884	68,243	75,804	75,838	–1.4	11.1
1.2.1 Agriculture & Allied Activities	10,302	9,657	10,269	10,279	–0.2	6.4
1.2.2 Industry	26,993	26,068	26,511	26,446	–2.0	1.4
1.2.2.1 Micro & Small	3,730	3,605	3,629	3,613	–3.1	0.2
1.2.2.2 Medium	1,037	983	1,027	1,023	–1.3	4.1
1.2.2.3 Large	22,226	21,480	21,854	21,809	–1.9	1.5
1.2.3 Services	20,505	16,345	19,813	19,932	–2.8	21.9
1.2.3.1 Transport Operators	1,213	1,094	1,214	1,218	0.4	11.3
1.2.3.2 Computer Software	186	172	179	182	–2.0	5.9
1.2.3.3 Tourism, Hotels & Restaurants	365	361	371	372	2.0	3.3
1.2.3.4 Shipping	63	75	65	66	4.5	-11.7
1.2.3.5 Professional Services	1,554	1,296	1,532	1,546	–0.5	19.3
1.2.3.6 Trade	4,669	4,095	4,605	4,729	1.3	15.5
1.2.3.6.1 Wholesale Trade	2,052	1,806	1,985	2,100	2.4	16.3
1.2.3.6.2 Retail Trade	2,618	2,289	2,621	2,629	0.4	14.8
1.2.3.7 Commercial Real Estate	1,858	1,781	1,849	1,840	–1.0	3.3
1.2.3.8 Non-Banking Financial Companies (NBFCs)	4,964	3,415	4,524	4,439	–10.6	30.0
1.2.3.9 Other Services	5,633	4,057	5,472	5,540	–1.6	36.6
1.2.4 Personal Loans	19,085	16,173	19,211	19,181	0.5	18.6
1.2.4.1 Consumer Durables	197	172	201	201	2.0	17.0
1.2.4.2 Housing	9,746	8,588	9,855	9,919	1.8	15.5
1.2.4.3 Advances against Fixed Deposits	725	572	710	632	–12.8	10.5
1.2.4.4 Advances to Individuals against share & bond	56	51	54	55	–1.8	7.5
1.2.4.5 Credit Card Outstanding	686	558	732	743	8.2	33.1
1.2.4.6 Education	697	697	691	692	–0.8	-0.8
1.2.4.7 Vehicle Loans	1,898	1,731	1,904	1,911	0.7	10.4
1.2.4.8 Other Personal Loans	5,080	3,804	5,065	5,029	–1.0	32.2
1.2A Priority Sector	25,532	23,379	24,928	24,828	–2.8	6.2
1.2A.1 Agriculture & Allied Activities	10,216	9,640	10,240	10,228	0.1	6.1
1.2A.2 Micro & Small Enterprises	9,964	8,728	9,526	9,503	–4.6	8.9
1.2A.2.1 Manufacturing	3,730	3,605	3,629	3,613	–3.1	0.2
1.2A.2.2 Services	6,234	5,123	5,897	5,890	–5.5	15.0
1.2A.3 Housing	3,756	3,526	3,667	3,699	–1.5	4.9
1.2A.4 Micro-Credit	264	142	255	197	–25.2	38.4
1.2A.5 Education Loans	607	593	593	572	–5.7	-3.5
1.2A.6 State-Sponsored Orgs. for SC/ST	3	3	3	3	3.0	18.7
1.2A.7 Weaker Sections	5,690	5,153	5,781	5,718	0.5	11.0
1.2A.8 Export Credit	283	401	201	208	–26.4	-48.1
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.