Table 11.4 : Bank group-wise and occupation-wise weighted average lending rate and deposit rate - 2010 and 2011

RbiAnnouncementWeb

Asset Publisher

Back

Published on November 08, 2012

LISTEN

PDF (77463)

EXCEL (32768)

Table 11.4 : Bank group-wise and occupation-wise weighted average lending rate and deposit rate - 2010 and 2011

(in per cent)
Occupation	State Banks of India and its Associates		Nationalised Banks		Public Sector Banks
Occupation	2010	2011	2010	2011	2010	2011
	(1)	(2)	(3)	(4)	(5)	(6)
I. Agriculture	10.16	11.05	9.66	11.09	9.79	11.08
1. Direct Finance	10.94	11.39	10.34	11.35	10.53	11.36
2. Indirect Finance	8.31	9.80	8.86	10.54	8.75	10.41
II. Industry	10.43	11.75	10.54	11.81	10.51	11.79
1. Mining & Quarrying	9.95	10.45	9.83	11.17	9.87	10.94
2. Manufacturing & Processing	10.34	11.91	10.77	12.17	10.61	12.08
3. Electricity, Gas & Water	10.27	11.00	9.60	10.81	9.69	10.84
4. Construction	11.05	11.68	10.76	11.74	10.83	11.73
III. Transport Operators	10.71	11.60	11.52	11.60	11.34	11.60
IV. Professional and Other Services	11.69	12.39	11.33	12.44	11.39	12.43
V. Personal Loans	9.47	10.06	9.97	10.70	9.74	10.41
1. Loans for Purchase of Consumer Durables	8.82	12.32	11.44	11.44	10.57	11.45
2. Loans for Housing	8.89	9.39	9.55	10.16	9.25	9.79
3. Rest of the Personal Loans	10.63	11.23	10.97	11.53	10.80	11.41
VI. Trade	11.15	12.12	11.23	12.40	11.21	12.32
1. Wholesale Trade	10.65	11.50	10.82	11.90	10.76	11.78
2. Retail Trade	11.73	12.88	11.64	12.89	11.67	12.89
VII. Finance	7.99	10.01	8.39	9.88	8.34	9.90
VIII. All Others	9.93	11.52	10.62	11.02	10.60	11.03
Total Bank Credit	10.25	11.31	10.38	11.49	10.34	11.44
Weighted Average Deposit Rate of Term Deposits	7.37	8.16	7.03	8.23	7.11	8.24
Notes: 1. The deposit data corresponds to only term deposits. 2. The data on average deposit rate are based on 77,710 reporting branches out of 84,825 total branches having term deposits. 3. Mid-points of the interest rate range were taken as values and total deposit amount in the range as weights. 4. The credit data pertains to accounts with credit limit over ` 0.2 million. 5. The credit data are exclusive of foreign and inland bills purchased and discounted. 6. The amount outstanding has been taken as weight for calculating average lending rates. 7. Group 'New Private Sector Banks' comprises Axis, HDFC, Development Credit, ICICI, Indusind, Kotak Mahindra and Yes Bank.

TABLE 11.4 BANK GROUP-WISE AND OCCUPATION-WISE WEIGHTED AVERAGE LENDING RATE AND DEPOSIT RATE - 2010 AND 2011 (Contd.)
(in per cent)
Occupation	New Private Sector Banks		Old Private Sector Banks		Private Sector Banks
Occupation	2010	2011	2010	2011	2010	2011
	(7)	(8)	(9)	(10)	(11)	(12)
I. Agriculture	10.39	10.90	10.48	11.85	10.41	11.09
1. Direct Finance	10.44	11.08	11.23	11.94	10.57	11.23
2. Indirect Finance	10.22	10.12	9.58	11.64	10.00	10.52
II. Industry	10.67	11.25	11.33	12.35	10.89	11.59
1. Mining & Quarrying	11.25	11.26	10.81	11.84	11.15	11.36
2. Manufacturing & Processing	10.18	10.83	11.62	12.68	10.62	11.41
3. Electricity, Gas & Water	11.12	11.50	9.75	10.94	10.55	11.35
4. Construction	11.64	12.06	11.26	11.99	11.50	12.04
III. Transport Operators	12.30	11.70	11.23	12.33	12.12	11.79
IV. Professional and Other Services	11.39	11.50	12.11	12.82	11.60	11.77
V. Personal Loans	12.32	12.24	11.05	11.88	12.08	12.16
1. Loans for Purchase of Consumer Durables	10.96	13.92	13.38	13.14	13.36	12.55
2. Loans for Housing	10.71	10.99	10.58	11.88	10.68	11.19
3. Rest of the Personal Loans	14.56	13.78	11.92	11.80	14.19	13.42
VI. Trade	11.15	11.70	12.49	13.12	11.62	12.39
1. Wholesale Trade	11.16	11.39	12.07	12.80	11.53	12.09
2. Retail Trade	11.14	11.98	12.79	13.45	11.67	12.69
VII. Finance	8.55	9.33	9.55	11.02	8.73	9.68
VIII. All Others	11.00	11.28	12.62	12.35	11.14	11.36
Total Bank Credit	11.02	11.30	11.39	12.29	11.12	11.54
Weighted Average Deposit Rate of Term Deposits	6.42	8.54	7.59	8.60	6.84	8.56
Notes: 1. The deposit data corresponds to only term deposits. 2. The data on average deposit rate are based on 77,710 reporting branches out of 84,825 total branches having term deposits. 3. Mid-points of the interest rate range were taken as values and total deposit amount in the range as weights. 4. The credit data pertains to accounts with credit limit over ` 0.2 million. 5. The credit data are exclusive of foreign and inland bills purchased and discounted. 6. The amount outstanding has been taken as weight for calculating average lending rates. 7. Group 'New Private Sector Banks' comprises Axis, HDFC, Development Credit, ICICI, Indusind, Kotak Mahindra and Yes Bank.

TABLE 11.4 BANK GROUP-WISE AND OCCUPATION-WISE WEIGHTED AVERAGE LENDING RATE AND DEPOSIT RATE - 2010 AND 2011 (Concld.)
(in per cent)
Occupation	Foreign Banks		Regional Rural Banks		All Scheduled Commercial Banks
Occupation	2010	2011	2010	2011	2010	2011
	(13)	(14)	(15)	(16)	(17)	(18)
I. Agriculture	10.72	10.36	11.88	11.87	9.99	11.11
1. Direct Finance	12.85	9.48	11.88	11.88	10.63	11.36
2. Indirect Finance	9.37	10.73	11.88	11.69	8.97	10.44
II. Industry	9.50	9.96	12.32	12.25	10.52	11.68
1. Mining & Quarrying	8.95	10.41	12.93	12.70	9.96	10.98
2. Manufacturing & Processing	9.32	9.85	12.61	12.52	10.54	11.85
3. Electricity, Gas & Water	8.03	10.01	10.74	11.98	9.75	10.88
4. Construction	11.46	10.54	12.10	11.93	10.98	11.75
III. Transport Operators	11.72	10.09	12.38	12.55	11.60	11.64
IV. Professional and Other Services	11.06	11.03	12.77	12.60	11.41	12.18
V. Personal Loans	14.56	14.69	11.21	11.60	10.60	11.09
1. Loans for Purchase of Consumer Durables	8.85	8.98	12.20	12.85	11.62	11.93
2. Loans for Housing	11.42	12.13	10.54	10.94	9.70	10.27
3. Rest of the Personal Loans	20.08	20.39	11.93	12.29	12.36	12.36
VI. Trade	11.87	10.48	12.83	12.64	11.34	12.26
1. Wholesale Trade	11.77	9.24	12.76	12.58	10.94	11.71
2. Retail Trade	11.95	12.18	12.84	12.65	11.70	12.82
VII. Finance	9.16	8.97	12.60	11.56	8.48	9.80
VIII. All Others	12.82	10.77	11.16	10.87	10.88	11.14
Total Bank Credit	11.05	10.93	11.90	11.86	10.53	11.44
Weighted Average Deposit Rate of Term Deposits	4.40	7.30	7.98	8.42	6.97	8.29
Notes: 1. The deposit data corresponds to only term deposits. 2. The data on average deposit rate are based on 77,710 reporting branches out of 84,825 total branches having term deposits. 3. Mid-points of the interest rate range were taken as values and total deposit amount in the range as weights. 4. The credit data pertains to accounts with credit limit over ` 0.2 million. 5. The credit data are exclusive of foreign and inland bills purchased and discounted. 6. The amount outstanding has been taken as weight for calculating average lending rates. 7. Group 'New Private Sector Banks' comprises Axis, HDFC, Development Credit, ICICI, Indusind, Kotak Mahindra and Yes Bank.