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Statement 1: Deployment of Gross Bank Credit by Major Sectors
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(Rs. Crore)
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SectorOutstanding as onVariation (Year-on-Year)Variation (Financial Year)
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21.Oct,202224.Mar,202320.Oct,202322.Mar,202418.Oct,202420.Oct,2023 / 21.Oct,202218.Oct,2024 / 20.Oct,202320.Oct,2023 / 24.Mar,202318.Oct,2024 / 22.Mar,2024
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I. Bank Credit (II + III)128834041367523515457887164321641723825020.011.513.04.9
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(14871457)(15901477)(16772605)(15.4)(12.8)(8.7)(5.5)
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II. Food Credit2565519906198412308118654-22.7-6.0-0.3-19.2
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III. Non-food Credit128577491365533015438046164090831721959620.111.513.14.9
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(14851616)(15878397)(16753951)(15.5)(12.8)(8.8)(5.5)
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1. Agriculture and Allied Activities1626831172641019096892071251220529917.415.510.66.5
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2. Industry (Micro and Small, Medium and Large)332058933664063498502365280437742525.47.93.93.3
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(3480987)(3635810)(3759186)(4.8)(8.0)(3.4)(3.4)
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 2.1. Micro and Small58486763328968161872631574979016.510.07.63.2
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 2.2. Medium25052026828628069930399833582212.019.64.610.5
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 2.3. Large248520224648312536185262249026886402.16.02.92.5
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3. Services3423428371880542459944592227478493824.012.714.24.2
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(4122802)(4490467)(4704550)(20.4)(14.1)(10.9)(4.8)
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 3.1. Transport Operators17437719205921425923017524640722.915.011.67.1
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 3.2. Computer Software2512824924246652591730581-1.824.0-1.018.0
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 3.3. Tourism, Hotels and Restaurants677876934275612775137973211.55.49.02.9
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 3.4. Shipping74467068662070677782-11.117.6-6.310.1
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 3.5. Aviation233512776239419432484616868.817.142.06.8
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 3.6. Professional Services12837413920815315016723418625119.321.610.011.4
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 3.7. Trade7956818723409604141025752107949820.712.410.15.2
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 3.7.1. Wholesale Trade141382344317649922553874457115920.614.412.66.0
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 3.7.2. Retail Trade38185942916346118848700850833920.810.27.54.4
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 3.8. Commercial Real Estate31325832259144559646901350767142.213.938.18.2
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(359499)(400470)(452869)(14.8)(26.0)(11.4)(13.1)
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 3.9. Non-Banking Financial Companies (NBFCs)2 of which,1220565134253914442631548027153665518.36.47.6-0.7
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 3.9.1. Housing Finance Companies (HFCs)3158063185663221283256263211102.0-0.31.1-1.4
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 3.9.2. Public Financial Institutions (PFIs)17003417571419054722696319832012.14.18.4-12.6
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 3.10. Other Services3667460720969881996998281106419332.120.722.36.6
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(858939)(978198)(1046715)(28.7)(21.9)(19.1)(7.0)
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4. Personal Loans3861264418276750026365331290564747629.612.919.65.9
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(4557230)(4919468)(5278594)(18.0)(15.8)(9.0)(7.3)
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 4.1. Consumer Durables20618209852217823713236407.66.65.7-0.3
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 4.2. Housing (Including Priority Sector Housing)1876066199116425619612718715287184536.612.128.75.6
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(2144011)(2331935)(2525138)(14.3)(17.8)(7.7)(8.3)
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 4.3. Advances against Fixed Deposits (Including FCNR (B), NRNR Deposits etc.)9824812248411498312523912753317.010.9-6.11.8
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 4.4. Advances to Individuals against share, bonds, etc.82737633781284929060-5.616.02.36.7
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 4.5. Credit Card Outstanding18803320470824063525701628139228.016.917.69.5
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 4.6. Education918639648211085211938013030920.717.614.99.2
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 4.7. Vehicle Loans46094750197955314158925161640520.011.410.24.6
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 4.8. Loans against gold jewellery87276893709874710256215428213.156.210.550.4
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 4.9. Other Personal Loans1029939114796312923271386921143300925.510.912.63.3
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(1265407)(1362113)(1410905)(22.9)(11.5)(10.2)(3.6)
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Priority Sector (Memo)
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 (i) Agriculture and Allied Activities41656607174439819346822081856220046016.813.710.95.7
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 (ii) Micro and Small Enterprises51510699164308418498291974191207695622.412.312.65.2
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 (iii) Medium Enterprises639324942356646173949070355782917.420.89.013.7
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 (iv) Housing63309662288974303375522275221617.41.219.3-0.4
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(643177)(660572)(665965)(1.6)(3.5)(3.3)(0.8)
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 (v) Educational Loans59188594706111062235626733.22.62.80.7
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 (vi) Renewable Energy4207462050075991712219.042.28.418.9
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 (vii) Social Infrastructure240024482607261311208.6-57.06.5-57.1
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 (viii) Export Credit1824316522118441177412094-35.12.1-28.32.7
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 (ix) Others503436083559553613365804518.3-2.5-2.1-5.4
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 (x) Weaker Sections including net PSLC- SF/MF1330773141238515557431647778174289616.912.010.25.8
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Notes:
(1) Data are provisional. Bank credit, Food credit and Non-food credit data are based on fortnightly 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 non-food credit extended by all SCBs, pertaining to the last reporting Friday of the month.
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(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.
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1 Wholesale trade includes food procurement credit outside the food credit consortium.
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2 NBFCs include HFCs, PFIs, Microfinance Institutions (MFIs), NBFCs engaged in gold loan and others.
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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.
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4 “Agriculture and Allied Activities” under the priority sector also include priority sector lending certificates (PSLCs).
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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.
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6 “Medium Enterprises” under the priority sector include credit to medium enterprises in industry and services sectors.
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