15. Deployment of Gross Bank Credit by Major Sectors

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Published on February 11, 2020

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15. Deployment of Gross Bank Credit by Major Sectors

(₹ Crore)
Item	Outstanding as on				Growth (%)
	Mar. 29, 2019	2018	2019		Financial year so far	Y-o-Y
	Mar. 29, 2019	Dec. 21	Nov. 22	Dec. 20	2019-20	2019
	1	2	3	4	5	6
1 Gross Bank Credit	8674892	8241267	8764913	8822209	1.7	7.0
1.1 Food Credit	41474	77092	91005	84863	104.6	10.1
1.2 Non-food Credit	8633418	8164175	8673908	8737346	1.2	7.0
1.2.1 Agriculture & Allied Activities	1111300	1082111	1134004	1139092	2.5	5.3
1.2.2 Industry	2885778	2749375	2772248	2794372	–3.2	1.6
1.2.2.1 Micro & Small	375505	365002	362758	365398	–2.7	0.1
1.2.2.2 Medium	106395	104570	102601	107166	0.7	2.5
1.2.2.3 Large	2403878	2279803	2306889	2321808	–3.4	1.8
1.2.3 Services	2415609	2232987	2362956	2370600	–1.9	6.2
1.2.3.1 Transport Operators	138524	130312	139754	140438	1.4	7.8
1.2.3.2 Computer Software	18535	19124	19052	18597	0.3	-2.8
1.2.3.3 Tourism, Hotels & Restaurants	39005	38792	43468	44745	14.7	15.3
1.2.3.4 Shipping	7748	6236	6704	6548	–15.5	5.0
1.2.3.5 Professional Services	171517	171662	170660	172553	0.6	0.5
1.2.3.6 Trade	528158	485990	501677	513987	–2.7	5.8
1.2.3.6.1 Wholesale Trade	250528	214041	217567	228558	–8.8	6.8
1.2.3.6.2 Retail Trade	277630	271949	284109	285429	2.8	5.0
1.2.3.7 Commercial Real Estate	202291	189929	220685	219585	8.5	15.6
1.2.3.8 Non-Banking Financial Companies (NBFCs)	641208	570946	730907	728561	13.6	27.6
1.2.3.9 Other Services	668623	619996	530048	525586	–21.4	-15.2
1.2.4 Personal Loans	2220732	2099699	2404701	2433282	9.6	15.9
1.2.4.1 Consumer Durables	6299	3280	5499	5450	–13.5	66.2
1.2.4.2 Housing	1160111	1096614	1274747	1289637	11.2	17.6
1.2.4.3 Advances against Fixed Deposits	82873	69324	62892	64441	–22.2	-7.0
1.2.4.4 Advances to Individuals against share & bond	6265	6170	4982	5072	–19.0	-17.8
1.2.4.5 Credit Card Outstanding	88262	84519	105860	105905	20.0	25.3
1.2.4.6 Education	67988	69115	66902	66895	–1.6	-3.2
1.2.4.7 Vehicle Loans	202154	199235	207996	213601	5.7	7.2
1.2.4.8 Other Personal Loans	606780	571442	675823	682281	12.4	19.4
1.2A Priority Sector	2739021	2627870	2694733	2787852	1.8	6.1
1.2A.1 Agriculture & Allied Activities	1104988	1074992	1125474	1133239	2.6	5.4
1.2A.2 Micro & Small Enterprises	1067175	1004744	1057378	1061953	–0.5	5.7
1.2A.2.1 Manufacturing	375505	365002	362758	365398	–2.7	0.1
1.2A.2.2 Services	691670	639742	694620	696555	0.7	8.9
1.2A.3 Housing	432703	408457	454000	456989	5.6	11.9
1.2A.4 Micro-Credit	24101	23877	33526	35104	45.7	47.0
1.2A.5 Education Loans	53950	56694	53410	53215	–1.4	-6.1
1.2A.6 State-Sponsored Orgs. for SC/ST	397	338	387	395	–0.5	16.9
1.2A.7 Weaker Sections	662628	601915	698449	711799	7.4	18.3
1.2A.8 Export Credit	15566	18495	13219	15152	–2.7	-18.1
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.