15. Deployment of Gross Bank Credit by Major Sectors

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Published on June 19, 2024

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15. Deployment of Gross Bank Credit by Major Sectors

(₹ Crore)
Sector	Outstanding as on				Growth (%)
	Mar. 22, 2024	2023	2024		Financial year so far	Y-o-Y
	Mar. 22, 2024	Apr. 21	Mar. 22	Apr. 19	2024-25	2024
	1	2	3	4	%	%
I. Bank Credit (II + III)	16434662	13859447	16434662	16494283	0.4	19.0
			(15903976)	(15973464)	(0.4)	(15.3)
II. Food Credit	23081	21292	23081	18090	-21.6	-15.0
III. Non-food Credit	16411581	13838155	16411581	16476192	0.4	19.1
			(15880895)	(15955374)	(0.5)	(15.3)
1. Agriculture & Allied Activities	2071329	1765618	2071329	2114030	2.1	19.7
2. Industry (Micro and Small, Medium and Large)	3653544	3404576	3653544	3657055	0.1	7.4
			(3636225)	(3640411)	(0.1)	(6.9)
2.1 Micro and Small	726315	634011	726315	732953	0.9	15.6
2.2 Medium	303998	273173	303998	309427	1.8	13.3
2.3 Large	2623231	2497392	2623231	2614675	-0.3	4.7
3. Services	4588489	3774658	4588489	4593618	0.1	21.7
			(4489033)	(4499129)	(0.2)	(19.2)
3.1 Transport Operators	230229	196487	230229	235007	2.1	19.6
3.2 Computer Software	25981	24962	25981	24886	-4.2	-0.3
3.3 Tourism, Hotels & Restaurants	77592	69804	77592	77214	-0.5	10.6
3.4 Shipping	7070	6724	7070	6887	-2.6	2.4
3.5 Aviation	43248	29525	43248	44998	4.0	52.4
3.6 Professional Services	168388	140493	168388	174656	3.7	24.3
3.7 Trade	1026678	889104	1026678	1023222	-0.3	15.1
3.7.1. Wholesale Trade¹	539068	461976	539068	537600	-0.3	16.4
3.7.2 Retail Trade	487610	427128	487610	485622	-0.4	13.7
3.8 Commercial Real Estate	447313	329740	447313	446269	-0.2	35.3
			(395747)	(396695)	(0.2)	(20.3)
3.9 Non-Banking Financial Companies (NBFCs)² of which,	1548002	1356674	1548002	1554703	0.4	14.6
3.9.1 Housing Finance Companies (HFCs)	325626	317522	325626	330115	1.4	4.0
3.9.2 Public Financial Institutions (PFIs)	226963	177773	226963	232074	2.3	30.5
3.10 Other Services³	1013988	731146	1013988	1005776	-0.8	37.6
			(980211)	(972517)	(-0.8)	(33.0)
4. Personal Loans	5334210	4219768	5334210	5362859	0.5	27.1
			(4920441)	(4953242)	(0.7)	(17.4)
4.1 Consumer Durables	23713	21237	23713	23577	-0.6	11.0
4.2 Housing	2721616	2004953	2721616	2744147	0.8	36.9
			(2332901)	(2359123)	(1.1)	(17.7)
4.3 Advances against Fixed Deposits	125239	113093	125239	121868	-2.7	7.8
4.4 Advances to Individuals against share & bonds	8498	7194	8498	8472	-0.3	17.8
4.5 Credit Card Outstanding	257016	211151	257016	259641	1.0	23.0
4.6 Education	119380	97002	119380	119125	-0.2	22.8
4.7 Vehicle Loans	589251	508193	589251	594034	0.8	16.9
4.8 Loan against gold jewellery	102562	90649	102562	101552	-1.0	12.0
4.9 Other Personal Loans	1386933	1166296	1386933	1390443	0.3	19.2
			(1362113)	(1366014)	(0.3)	(17.1)
5. Priority Sector (Memo)	-
(i) Agriculture & Allied Activities⁴	2081856	1718496	2081856	2060244	-1.0	19.9
(ii) Micro & Small Enterprises⁵	1974191	1656134	1974191	1964032	-0.5	18.6
(iii) Medium Enterprises⁶	490703	428417	490703	498958	1.7	16.5
(iv) Housing	755222	625294	755222	753576	-0.2	20.5
			(660572)	(659843)	(-0.1)	(5.5)
(v) Education Loans	62235	59296	62235	61027	-1.9	2.9
(vi) Renewable Energy	5991	4628	5991	5712	-4.7	23.4
(vii) Social Infrastructure	2613	2493	2613	2619	0.2	5.0
(viii) Export Credit	12855	18667	12855	13433	4.5	-28.0
(ix) Others	61336	53030	61336	75152	22.5	41.7
(x) Weaker Sections including net PSLC- SF/MF	1647778	1382359	1647778	1605821	-2.5	16.2
Notes: (1) Data are provisional. Bank credit, Food credit and Non-food credit data are based on Section-42 return, which covers all scheduled commercial banks (SCBs), while sectoral non-food credit data are based on sector-wise and industry-wise bank credit (SIBC) return, which covers select banks accounting for about 95 per cent of total nonfood credit extended by all SCBs, pertaining to the last reporting Friday of the month. (2) Data since July 28, 2023 include the impact of the merger of a non-bank with a bank. Figures in parentheses exclude the impact of the merger. 1 Wholesale trade includes food procurement credit outside the food credit consortium. 2 NBFCs include HFCs, PFIs, Microfinance Institutions (MFIs), NBFCs engaged in gold loan and others. 3 “Other Services” include Mutual Fund (MFs), Banking and Finance other than NBFCs and MFs and other services which are not indicated elsewhere under services. 4 “Agriculture and Allied Activities” under the priority sector also include priority sector lending certificates (PSLCs). 5 “Micro and Small Enterprises” under the priority sector include credit to micro and small enterprises in industry and services sectors and also include PSLCs. 6 “Medium Enterprises” under the priority sector include credit to medium enterprises in industry and services sectors.