15. Deployment of Gross Bank Credit by Major Sectors

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Published on May 14, 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	Mar. 29	Feb. 28	Mar. 27	2019-20	2020
	1	2	3	4	5	6
1 Gross Bank Credit	8674893	8674893	8980095	9263134	6.8	6.8
1.1 Food Credit	41474	41474	65384	51590	24.4	24.4
1.2 Non-food Credit	8633419	8633419	8914711	9211544	6.7	6.7
1.2.1 Agriculture & Allied Activities	1111300	1111300	1155990	1157795	4.2	4.2
1.2.2 Industry	2885778	2885778	2792812	2905151	0.7	0.7
1.2.2.1 Micro & Small	375505	375505	371333	381825	1.7	1.7
1.2.2.2 Medium	106395	106395	107502	105598	–0.7	-0.7
1.2.2.3 Large	2403878	2403878	2313977	2417728	0.6	0.6
1.2.3 Services	2415609	2415609	2433858	2594945	7.4	7.4
1.2.3.1 Transport Operators	138524	138524	142127	144466	4.3	4.3
1.2.3.2 Computer Software	18535	18535	19205	20051	8.2	8.2
1.2.3.3 Tourism, Hotels & Restaurants	39005	39005	45184	45977	17.9	17.9
1.2.3.4 Shipping	7748	7748	6527	6557	–15.4	-15.4
1.2.3.5 Professional Services	171517	171517	172907	177085	3.2	3.2
1.2.3.6 Trade	528158	528158	538608	552392	4.6	4.6
1.2.3.6.1 Wholesale Trade	250528	250528	254833	263397	5.1	5.1
1.2.3.6.2 Retail Trade	277630	277630	283775	288995	4.1	4.1
1.2.3.7 Commercial Real Estate	202291	202291	228826	229770	13.6	13.6
1.2.3.8 Non-Banking Financial Companies (NBFCs)	641208	641208	703667	807383	25.9	25.9
1.2.3.9 Other Services	668623	668623	576807	611264	–8.6	-8.6
1.2.4 Personal Loans	2220732	2220732	2532051	2553652	15.0	15.0
1.2.4.1 Consumer Durables	6299	6299	6495	9298	47.6	47.6
1.2.4.2 Housing	1160111	1160111	1328991	1338964	15.4	15.4
1.2.4.3 Advances against Fixed Deposits	82873	82873	75469	79496	–4.1	-4.1
1.2.4.4 Advances to Individuals against share & bond	6265	6265	5183	5334	–14.9	-14.9
1.2.4.5 Credit Card Outstanding	88262	88262	110946	108094	22.5	22.5
1.2.4.6 Education	67988	67988	66563	65745	–3.3	-3.3
1.2.4.7 Vehicle Loans	202154	202154	221129	220609	9.1	9.1
1.2.4.8 Other Personal Loans	606780	606780	717275	726112	19.7	19.7
1.2A Priority Sector	2739021	2739021	2690428	2897461	5.8	5.8
1.2A.1 Agriculture & Allied Activities	1104988	1104988	1145063	1146624	3.8	3.8
1.2A.2 Micro & Small Enterprises	1067175	1067175	1095182	1149394	7.7	7.7
1.2A.2.1 Manufacturing	375505	375505	371333	381825	1.7	1.7
1.2A.2.2 Services	691670	691670	723849	767568	11.0	11.0
1.2A.3 Housing	432703	432703	460496	449945	4.0	4.0
1.2A.4 Micro-Credit	24101	24101	36477	38237	58.7	58.7
1.2A.5 Education Loans	53950	53950	52692	51906	–3.8	-3.8
1.2A.6 State-Sponsored Orgs. for SC/ST	397	397	115	388	–2.3	-2.3
1.2A.7 Weaker Sections	662628	662628	701304	731409	10.4	10.4
1.2A.8 Export Credit	15566	15566	14325	16114	3.5	3.5
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.