| (₹ Crore) |
| Sector | Outstanding as on | Growth(%) |
| Mar. 21, 2025 | 2024 | 2025 | Financial year so far | Y-o-Y |
| Aug. 23 | Jul. 25 | Aug. 22 | 2025-26 | 2025 |
| 1 | 2 | 3 | 4 | % | % |
| I. Bank Credit (II + III) | 18243936 | 16945162 | 18501872 | 18644997 | 2.2 | 10.0 |
| II. Food Credit | 36531 | 24361 | 56674 | 50456 | 38.1 | 107.1 |
| III. Non-food Credit | 18207404 | 16920802 | 18445197 | 18594541 | 2.1 | 9.9 |
| 1. Agriculture & Allied Activities | 2287061 | 2160634 | 2313845 | 2324719 | 1.6 | 7.6 |
| 2. Industry (Micro and Small, Medium and Large) | 3935857 | 3756194 | 3947778 | 4002072 | 1.7 | 6.5 |
| 2.1 Micro and Small | 790430 | 743704 | 883101 | 898780 | 13.7 | 20.9 |
| 2.2 Medium | 360475 | 324746 | 363994 | 367293 | 1.9 | 13.1 |
| 2.3 Large | 2784953 | 2687743 | 2700683 | 2735998 | -1.8 | 1.8 |
| 3. Services | 5161542 | 4643586 | 5113966 | 5137774 | -0.5 | 10.6 |
| 3.1 Transport Operators | 258409 | 243486 | 265924 | 266868 | 3.3 | 9.6 |
| 3.2 Computer Software | 32915 | 27990 | 36579 | 37829 | 14.9 | 35.2 |
| 3.3 Tourism, Hotels & Restaurants | 83091 | 80570 | 85458 | 85840 | 3.3 | 6.5 |
| 3.4 Shipping | 7305 | 7257 | 8727 | 8923 | 22.1 | 23.0 |
| 3.5 Aviation | 46026 | 44837 | 45213 | 45857 | -0.4 | 2.3 |
| 3.6 Professional Services | 195956 | 173738 | 194935 | 197147 | 0.6 | 13.5 |
| 3.7 Trade | 1187030 | 1052621 | 1179121 | 1183548 | -0.3 | 12.4 |
| 3.7.1. Wholesale Trade¹ | 648619 | 553316 | 637065 | 635841 | -2.0 | 14.9 |
| 3.7.2 Retail Trade | 538410 | 499305 | 542056 | 547706 | 1.7 | 9.7 |
| 3.8 Commercial Real Estate | 532757 | 494809 | 560514 | 560651 | 5.2 | 13.3 |
| 3.9 Non-Banking Financial Companies (NBFCs)² of which, | 1635737 | 1522204 | 1568925 | 1574362 | -3.8 | 3.4 |
| 3.9.1 Housing Finance Companies (HFCs) | 323146 | 322093 | 315767 | 318570 | -1.4 | -1.1 |
| 3.9.2 Public Financial Institutions (PFIs) | 228678 | 196565 | 198406 | 199719 | -12.7 | 1.6 |
| 3.10 Other Services³ | 1182316 | 996074 | 1168570 | 1176749 | -0.5 | 18.1 |
| 4. Personal Loans | 5953521 | 5555484 | 6161047 | 6213373 | 4.4 | 11.8 |
| 4.1 Consumer Durables | 23402 | 24396 | 23114 | 22921 | -2.1 | -6.0 |
| 4.2 Housing | 3010477 | 2833166 | 3081152 | 3108791 | 3.3 | 9.7 |
| 4.3 Advances against Fixed Deposits | 141101 | 121817 | 140433 | 142074 | 0.7 | 16.6 |
| 4.4 Advances to Individuals against share & bonds | 10080 | 9722 | 9730 | 9807 | -2.7 | 0.9 |
| 4.5 Credit Card Outstanding | 284366 | 276576 | 291088 | 288691 | 1.5 | 4.4 |
| 4.6 Education | 137456 | 126148 | 141537 | 144539 | 5.2 | 14.6 |
| 4.7 Vehicle Loans | 622794 | 595758 | 643654 | 647829 | 4.0 | 8.7 |
| 4.8 Loan against gold jewellery⁴ | 208735 | 140391 | 294166 | 305814 | 46.5 | 117.8 |
| 4.9 Other Personal Loans | 1515112 | 1427510 | 1536172 | 1542907 | 1.8 | 8.1 |
| 5. Priority Sector (Memo) | | | | | | |
| (i) Agriculture & Allied Activities⁵ | 2287794 | 2152535 | 2288548 | 2310308 | 1.0 | 7.3 |
| (ii) Micro & Small Enterprises⁶ | 2239409 | 2027278 | 2489085 | 2510253 | 12.1 | 23.8 |
| (iii) Medium Enterprises⁷ | 601451 | 529582 | 596343 | 604659 | 0.5 | 14.2 |
| (iv) Housing | 746651 | 749534 | 940427 | 945763 | 26.7 | 26.2 |
| (v) Education Loans | 62825 | 61988 | 68839 | 70067 | 11.5 | 13.0 |
| (vi) Renewable Energy | 10325 | 6844 | 12160 | 13235 | 28.2 | 93.4 |
| (vii) Social Infrastructure | 1316 | 1072 | 943 | 936 | -28.9 | -12.7 |
| (viii) Export Credit | 12479 | 11618 | 12875 | 12529 | 0.4 | 7.8 |
| (ix) Others | 49552 | 60587 | 44331 | 44088 | -11.0 | -27.2 |
| (x) Weaker Sections including net PSLC- SF/MF | 1820904 | 1692726 | 1842667 | 1861780 | 2.2 | 10.0 |
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.
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 Since May 2024, a bank has changed the classification of a category of agricultural loan into “Loans against gold jewellery” under retail segment.
5 “Agriculture and Allied Activities” under the priority sector also include priority sector lending certificates (PSLCs).
6 “Micro and Small Enterprises” under the priority sector include credit to micro and small enterprises in industry and services sectors and also include PSLCs.
7 “Medium Enterprises” under the priority sector include credit to medium enterprises in industry and services sectors. |