15. Deployment of Gross Bank Credit by Major Sectors

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Published on March 11, 2020

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15. Deployment of Gross Bank Credit by Major Sectors

(₹ Crore)
Item	Outstanding as on				Growth (%)
	Mar. 29, 2019	2019		2020	Financial year so far	Y-o-Y
	Mar. 29, 2019	Jan. 18	Dec. 20	Jan. 31	2019-20	2020
	1	2	3	4	5	6
1 Gross Bank Credit	8674893	8274989	8822209	8978800	3.5	8.5
1.1 Food Credit	41474	70700	84863	78664	89.7	11.3
1.2 Non-food Credit	8633419	8204289	8737346	8900136	3.1	8.5
1.2.1 Agriculture & Allied Activities	1111300	1083159	1139092	1153386	3.8	6.5
1.2.2 Industry	2885778	2750038	2794372	2817525	–2.4	2.5
1.2.2.1 Micro & Small	375505	371022	365398	373050	–0.7	0.5
1.2.2.2 Medium	106395	103951	107166	106813	0.4	2.8
1.2.2.3 Large	2403878	2275065	2321808	2337662	–2.8	2.8
1.2.3 Services	2415609	2234030	2370600	2431975	0.7	8.9
1.2.3.1 Transport Operators	138524	133198	140438	141293	2.0	6.1
1.2.3.2 Computer Software	18535	18858	18597	18775	1.3	-0.4
1.2.3.3 Tourism, Hotels & Restaurants	39005	38682	44745	45394	16.4	17.4
1.2.3.4 Shipping	7748	7501	6548	6682	–13.8	-10.9
1.2.3.5 Professional Services	171517	169261	172553	172686	0.7	2.0
1.2.3.6 Trade	528158	495938	513987	519547	–1.6	4.8
1.2.3.6.1 Wholesale Trade	250528	218556	228558	237341	–5.3	8.6
1.2.3.6.2 Retail Trade	277630	277381	285429	282206	1.6	1.7
1.2.3.7 Commercial Real Estate	202291	198112	219585	227266	12.3	14.7
1.2.3.8 Non-Banking Financial Companies (NBFCs)	641208	557602	728561	737198	15.0	32.2
1.2.3.9 Other Services	668623	614880	525586	563134	–15.8	-8.4
1.2.4 Personal Loans	2220732	2137063	2433282	2497250	12.5	16.9
1.2.4.1 Consumer Durables	6299	4568	5450	6453	2.4	41.3
1.2.4.2 Housing	1160111	1120792	1289637	1316481	13.5	17.5
1.2.4.3 Advances against Fixed Deposits	82873	68721	64441	67240	–18.9	-2.2
1.2.4.4 Advances to Individuals against share & bond	6265	5841	5072	5185	–17.2	-11.2
1.2.4.5 Credit Card Outstanding	88262	84237	105905	110864	25.6	31.6
1.2.4.6 Education	67988	69175	66895	67038	–1.4	-3.1
1.2.4.7 Vehicle Loans	202154	200582	213601	220240	8.9	9.8
1.2.4.8 Other Personal Loans	606780	583147	682281	703749	16.0	20.7
1.2A Priority Sector	2739021	2664619	2787852	2772197	1.2	4.0
1.2A.1 Agriculture & Allied Activities	1104988	1076840	1133239	1142576	3.4	6.1
1.2A.2 Micro & Small Enterprises	1067175	1018050	1061953	1100615	3.1	8.1
1.2A.2.1 Manufacturing	375505	371022	365398	373050	–0.7	0.5
1.2A.2.2 Services	691670	647028	696555	727566	5.2	12.4
1.2A.3 Housing	432703	428701	456989	461089	6.6	7.6
1.2A.4 Micro-Credit	24101	23521	35104	36176	50.1	53.8
1.2A.5 Education Loans	53950	56584	53215	53101	–1.6	-6.2
1.2A.6 State-Sponsored Orgs. for SC/ST	397	383	395	413	4.0	7.8
1.2A.7 Weaker Sections	662628	608556	711799	715057	7.9	17.5
1.2A.8 Export Credit	15566	17519	15152	13503	–13.3	-22.9
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.