Table 11.4 : Bank group-wise and occupation-wise weighted average lending rate and deposit rate - 2008 and 2009 - RBI - Reserve Bank of India
Table 11.4 : Bank group-wise and occupation-wise weighted average lending rate and deposit rate - 2008 and 2009
(Per cent) |
||||||
Occupation |
State Bank of India |
Nationalised |
Public Sector Banks |
|||
2008 |
2009 |
2008 |
2009 |
2008 |
2009 |
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
|
Weighted Average Lending Rate |
||||||
I. Agriculture |
11.42 |
11.00 |
11.64 |
10.82 |
11.57 |
10.87 |
1. Direct Finance |
11.60 |
11.48 |
11.41 |
11.11 |
11.48 |
11.24 |
2. Indirect Finance |
11.09 |
9.81 |
11.92 |
10.47 |
11.69 |
10.34 |
II. Industry |
12.06 |
11.17 |
12.57 |
11.10 |
12.41 |
11.13 |
1. Mining & Quarrying |
12.13 |
10.16 |
12.89 |
10.37 |
12.65 |
10.28 |
2. Manufacturing & Processing |
12.06 |
11.18 |
12.54 |
11.23 |
12.37 |
11.21 |
3. Electricity, Gas & Water |
11.95 |
10.65 |
12.32 |
10.53 |
12.26 |
10.55 |
4. Construction |
12.08 |
11.54 |
12.73 |
11.16 |
12.57 |
11.27 |
III. Transport Operators |
12.67 |
11.20 |
12.72 |
12.09 |
12.70 |
11.82 |
IV. Professional and Other Services |
11.97 |
12.05 |
12.59 |
12.14 |
12.44 |
12.13 |
V. Personal Loans |
10.98 |
10.16 |
11.09 |
10.50 |
11.05 |
10.36 |
1. Loans for Purchase of Consumer Durables |
14.64 |
11.32 |
14.08 |
11.65 |
14.24 |
11.55 |
2. Loans for Housing |
9.73 |
9.63 |
10.10 |
10.13 |
9.95 |
9.93 |
3. Rest of the Personal Loans |
13.41 |
11.10 |
13.29 |
11.45 |
13.34 |
11.27 |
VI. Trade |
12.04 |
11.95 |
12.36 |
11.37 |
12.26 |
11.53 |
1. Wholesale Trade |
11.70 |
11.70 |
12.13 |
11.16 |
12.01 |
11.32 |
2. Retail Trade |
12.37 |
12.25 |
12.65 |
11.57 |
12.56 |
11.75 |
VII. Finance |
12.26 |
9.77 |
12.76 |
10.18 |
12.66 |
10.13 |
VIII. All Others |
12.09 |
11.60 |
12.52 |
11.38 |
12.49 |
11.39 |
Total Bank Credit |
11.82 |
11.05 |
12.33 |
11.09 |
12.18 |
11.08 |
Weighted Average Deposit Rate of Term Deposits |
8.49 |
8.97 |
8.56 |
8.68 |
8.54 |
8.76 |
Notes : 1. The data given here are based on the accounts with credit limit of over 2 lakhs. |
||||||
2. The data are exclusive of Inland & Foreign Bills purchased and discounted. |
||||||
3. Amount outstanding figures are used as weights for calculating average lending rates. |
||||||
4. The deposit data corresponds to only term deposits. |
||||||
5. The data for 2008 and 2009 on average deposit rate are based on 65027 and 61490 reporting branches, respectively having term deposits. |
||||||
6. Mid-points of the interest rate range were taken as values and total deposit amount in the range as weights. |
||||||
7. $ Includes IDBI Ltd. |
||||||
Source : Basic Statistical Returns I & II, Department of Statistics and Information Management, RBI. |
||||||
TABLE 11.4 : BANK GROUP-WISE AND OCCUPATION-WISE WEIGHTED AVERAGE LENDING RATE AND DEPOSIT RATE - 2008 AND 2009 (Contd.) |
||||||
(Per cent) |
||||||
Occupation |
New Private |
Old Private |
Private Sector |
|||
2008 |
2009 |
2008 |
2009 |
2008 |
2009 |
|
(7) |
(8) |
(9) |
(10) |
(11) |
(12) |
|
Weighted Average Lending Rate |
||||||
I. Agriculture |
12.56 |
10.91 |
12.10 |
12.24 |
12.45 |
11.21 |
1. Direct Finance |
12.74 |
10.76 |
12.49 |
13.09 |
12.70 |
11.21 |
2. Indirect Finance |
11.88 |
11.16 |
11.65 |
11.35 |
11.79 |
11.22 |
II. Industry |
12.71 |
12.23 |
12.71 |
12.55 |
12.71 |
12.33 |
1. Mining & Quarrying |
12.59 |
11.85 |
12.43 |
11.42 |
12.51 |
11.75 |
2. Manufacturing & Processing |
12.74 |
11.92 |
12.63 |
12.83 |
12.70 |
12.17 |
3. Electricity, Gas & Water |
12.56 |
11.84 |
12.97 |
11.03 |
12.81 |
11.52 |
4. Construction |
12.68 |
13.50 |
12.83 |
12.52 |
12.73 |
13.13 |
III. Transport Operators |
11.72 |
13.59 |
12.27 |
11.67 |
11.78 |
13.27 |
IV. Professional and Other Services |
12.97 |
12.43 |
12.59 |
12.71 |
12.85 |
12.51 |
V. Personal Loans |
12.81 |
13.21 |
12.30 |
11.74 |
12.75 |
13.05 |
1. Loans for Purchase of Consumer Durables |
14.96 |
13.26 |
14.68 |
12.52 |
14.68 |
12.87 |
2. Loans for Housing |
11.55 |
12.16 |
10.62 |
11.17 |
11.45 |
12.04 |
3. Rest of the Personal Loans |
14.64 |
14.58 |
14.19 |
12.65 |
14.59 |
14.41 |
VI. Trade |
12.63 |
12.95 |
13.00 |
13.52 |
12.82 |
13.23 |
1. Wholesale Trade |
12.22 |
12.82 |
12.64 |
12.92 |
12.46 |
12.87 |
2. Retail Trade |
12.87 |
13.04 |
13.30 |
13.85 |
13.08 |
13.45 |
VII. Finance |
12.80 |
10.49 |
12.76 |
11.24 |
12.78 |
10.65 |
VIII. All Others |
12.69 |
12.70 |
12.57 |
12.58 |
12.66 |
12.67 |
Total Bank Credit |
12.70 |
12.48 |
12.63 |
12.49 |
12.68 |
12.48 |
Weighted Average Deposit Rate of Term Deposits |
9.46 |
9.57 |
8.87 |
9.40 |
9.31 |
9.52 |
Notes : 1. The data given here are based on the accounts with credit limit of over 2 lakhs. |
||||||
2. The data are exclusive of Inland & Foreign Bills purchased and discounted. |
||||||
3. Amount outstanding figures are used as weights for calculating average lending rates. |
||||||
4. The deposit data corresponds to only term deposits. |
||||||
5. The data for 2008 and 2009 on average deposit rate are based on 65027 and 61490 reporting branches, respectively having term deposits. |
||||||
6. Mid-points of the interest rate range were taken as values and total deposit amount in the range as weights. |
||||||
Source : Basic Statistical Returns I & II, Department of Statistics and Information Management, RBI. |
||||||
TABLE 11.4 : BANK GROUP-WISE AND OCCUPATION-WISE WEIGHTED AVERAGE LENDING RATE AND DEPOSIT RATE - 2008 AND 2009 (Concld.) |
||||||
(Per cent) |
||||||
Occupation |
Foreign Banks |
Regional Rural |
All Scheduled |
|||
2008 |
2009 |
2008 |
2009 |
2008 |
2009 |
|
(13) |
(14) |
(15) |
(16) |
(17) |
(18) |
|
Weighted Average Lending Rate |
||||||
I. Agriculture |
12.74 |
11.10 |
12.12 |
12.30 |
11.77 |
10.99 |
1. Direct Finance |
12.24 |
11.27 |
12.12 |
12.31 |
11.80 |
11.30 |
2. Indirect Finance |
13.05 |
11.03 |
12.06 |
12.23 |
11.71 |
10.53 |
II. Industry |
12.31 |
12.18 |
12.23 |
12.47 |
12.44 |
11.34 |
1. Mining & Quarrying |
11.04 |
9.71 |
13.25 |
13.18 |
12.60 |
10.48 |
2. Manufacturing & Processing |
12.27 |
11.97 |
12.70 |
12.78 |
12.40 |
11.39 |
3. Electricity, Gas & Water |
13.06 |
12.22 |
12.59 |
12.27 |
12.31 |
10.67 |
4. Construction |
12.62 |
14.38 |
11.57 |
12.09 |
12.60 |
11.66 |
III. Transport Operators |
13.06 |
11.59 |
12.83 |
13.03 |
12.29 |
12.29 |
IV. Professional and Other Services |
12.93 |
13.46 |
12.47 |
12.81 |
12.59 |
12.32 |
V. Personal Loans |
14.17 |
15.23 |
11.85 |
11.55 |
11.95 |
11.61 |
1. Loans for Purchase of Consumer Durables |
18.29 |
6.62 |
13.31 |
12.42 |
16.73 |
12.23 |
2. Loans for Housing |
10.97 |
12.43 |
10.69 |
10.84 |
10.54 |
10.73 |
3. Rest of the Personal Loans |
17.28 |
20.33 |
13.48 |
12.51 |
14.28 |
13.21 |
VI. Trade |
13.66 |
13.50 |
12.83 |
13.12 |
12.45 |
11.90 |
1. Wholesale Trade |
13.07 |
11.70 |
12.74 |
13.00 |
12.13 |
11.52 |
2. Retail Trade |
14.13 |
15.11 |
12.85 |
13.15 |
12.78 |
12.25 |
VII. Finance |
13.02 |
10.85 |
11.85 |
12.62 |
12.69 |
10.27 |
VIII. All Others |
13.40 |
13.63 |
12.23 |
12.38 |
12.59 |
11.86 |
Total Bank Credit |
13.05 |
13.14 |
12.18 |
12.29 |
12.34 |
11.47 |
Weighted Average Deposit Rate of Term Deposits |
8.03 |
6.90 |
8.19 |
8.72 |
8.71 |
8.84 |
Notes : 1. The data given here are based on the accounts with credit limit of over 2 lakhs. |
||||||
2. The data are exclusive of Inland & Foreign Bills purchased and discounted. |
||||||
3. Amount outstanding figures are used as weights for calculating average lending rates. |
||||||
4. The deposit data corresponds to only term deposits. |
||||||
5. The data for 2008 and 2009 on average deposit rate are based on 65027 and 61490 reporting branches, respectively having term deposits. |
||||||
6. Mid-points of the interest rate range were taken as values and total deposit amount in the range as weights. |
||||||
Source : Basic Statistical Returns I & II, Department of Statistics and Information Management, RBI. |
||||||
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