| (₹ Crore) |
| Sector | Outstanding as on | Growth(%) |
| Mar. 24, 2023 | 2022 | 2023 | Financial year so far | Y-o-Y |
| Dec. 30 | Nov. 17 | Dec. 29 | 2023-24 | 2023 |
| 1 | 2 | 3 | 4 | % | % |
| I. Bank Credit (II + III) | 13675235 | 13306853 | 15620554 | 15961345 | 16.7 | 19.9 |
| | | | (15039956) | (15388272) | (12.5) | (15.6) |
| II. Food Credit | 19906 | 53972 | 40261 | 43139 | 116.7 | -20.1 |
| III. Non-food Credit | 13655330 | 13252881 | 15580294 | 15918206 | 16.6 | 20.1 |
| | | | (14999695) | (15345134) | (12.4) | (15.8) |
| 1. Agriculture & Allied Activities | 1728063 | 1669407 | 1931215 | 1994505 | 15.4 | 19.5 |
| 2. Industry (Micro and Small, Medium and Large) | 3416353 | 3375009 | 3600876 | 3664791 | 7.3 | 8.6 |
| | | | (3583164) | (3647315) | (6.8) | (8.1) |
| 2.1 Micro and Small | 633587 | 611948 | 689502 | 704065 | 11.1 | 15.1 |
| 2.2 Medium | 268557 | 267175 | 283774 | 290511 | 8.2 | 8.7 |
| 2.3 Large | 2514209 | 2495885 | 2627599 | 2670215 | 6.2 | 7.0 |
| 3. Services | 3699716 | 3586384 | 4264761 | 4406134 | 19.1 | 22.9 |
| | | | (4145875) | (4289319) | (15.9) | (19.6) |
| 3.1 Transport Operators | 192323 | 179650 | 218897 | 224270 | 16.6 | 24.8 |
| 3.2 Computer Software | 24927 | 25566 | 26444 | 27571 | 10.6 | 7.8 |
| 3.3 Tourism, Hotels & Restaurants | 69462 | 67688 | 76966 | 77442 | 11.5 | 14.4 |
| 3.4 Shipping | 7074 | 7787 | 6727 | 6986 | -1.2 | -10.3 |
| 3.5 Aviation | 28348 | 28936 | 40449 | 45031 | 58.8 | 55.6 |
| 3.6 Professional Services | 139584 | 131372 | 155924 | 157544 | 12.9 | 19.9 |
| 3.7 Trade | 853417 | 802379 | 910846 | 939929 | 10.1 | 17.1 |
| 3.7.1. Wholesale Trade¹ | 422630 | 402622 | 457385 | 471530 | 11.6 | 17.1 |
| 3.7.2 Retail Trade | 430788 | 399756 | 453462 | 468398 | 8.7 | 17.2 |
| 3.8 Commercial Real Estate | 322573 | 317066 | 428720 | 436186 | 35.2 | 37.6 |
| | | | (362185) | (369705) | (14.6) | (16.6) |
| 3.9 Non-Banking Financial Companies (NBFCs)² of which, | 1342070 | 1321714 | 1461751 | 1520800 | 13.3 | 15.1 |
| 3.9.1 Housing Finance Companies (HFCs) | 318729 | 315154 | 304460 | 328775 | 3.2 | 4.3 |
| 3.9.2 Public Financial Institutions (PFIs) | 175714 | 181430 | 190672 | 212038 | 20.7 | 16.9 |
| 3.10 Other Services³ | 719936 | 704227 | 938037 | 970376 | 34.8 | 37.8 |
| | | | (900549) | (934558) | (29.8) | (32.7) |
| 4. Personal Loans | 4180838 | 4026281 | 5056524 | 5175423 | 23.8 | 28.5 |
| | | | (4612590) | (4737380) | (13.3) | (17.7) |
| 4.1 Consumer Durables | 20983 | 21386 | 23595 | 24312 | 15.9 | 13.7 |
| 4.2 Housing | 1988532 | 1947686 | 2594106 | 2640255 | 32.8 | 35.6 |
| | | | (2177221) | (2228607) | (12.1) | (14.4) |
| 4.3 Advances against Fixed Deposits | 122116 | 110149 | 112983 | 117474 | -3.8 | 6.7 |
| 4.4 Advances to Individuals against share & bonds | 7634 | 7611 | 7834 | 8257 | 8.2 | 8.5 |
| 4.5 Credit Card Outstanding | 204708 | 189913 | 244689 | 251880 | 23.0 | 32.6 |
| 4.6 Education | 96853 | 94294 | 111868 | 114952 | 18.7 | 21.9 |
| 4.7 Vehicle Loans | 502377 | 484212 | 564785 | 583297 | 16.1 | 20.5 |
| 4.8 Loan against gold jewellery | 89382 | 85921 | 100279 | 101925 | 14.0 | 18.6 |
| 4.9 Other Personal Loans | 1148253 | 1085110 | 1296385 | 1333071 | 16.1 | 22.9 |
| | | | (1269843) | (1307065) | (13.8) | (20.5) |
| 5. Priority Sector (Memo) | | | | | | |
| (i) Agriculture & Allied Activities⁴ | 1746051 | 1708058 | 1960408 | 2008819 | 15.0 | 17.6 |
| (ii) Micro & Small Enterprises⁵ | 1645484 | 1593724 | 1876492 | 1918338 | 16.6 | 20.4 |
| (iii) Medium Enterprises⁶ | 423888 | 410012 | 460435 | 468942 | 10.6 | 14.4 |
| (iv) Housing | 622799 | 619406 | 740319 | 747520 | 20.0 | 20.7 |
| | | | (641255) | (649527) | (4.3) | (4.9) |
| (v) Education Loans | 59513 | 59003 | 61559 | 62256 | 4.6 | 5.5 |
| (vi) Renewable Energy | 4670 | 4798 | 4677 | 4861 | 4.1 | 1.3 |
| (vii) Social Infrastructure | 2464 | 2473 | 2597 | 2572 | 4.4 | 4.0 |
| (viii) Export Credit | 20489 | 21046 | 12308 | 12940 | -36.8 | -38.5 |
| (ix) Others | 60835 | 53150 | 48865 | 53282 | -12.4 | 0.2 |
| (x) Weaker Sections including net PSLC- SF/MF | 1411633 | 1348931 | 1530814 | 1570568 | 11.3 | 16.4 |
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 non-food 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. |