| (₹ Billion) | | Item | Outstanding as on | Growth (%) | | Mar. 20, 2015 | 2014 | 2015 | Financial year so far | Y-o-Y | | Dec. 26 | Nov. 27 | Dec. 25 | 2015-16 | 2015 | | 1 | 2 | 3 | 4 | 5 | 6 | | 1 Gross Bank Credit | 61,023 | 58,935 | 63,466 | 64,335 | 5.4 | 9.2 | | 1.1 Food Credit | 994 | 1,065 | 1,069 | 1,084 | 9.1 | 1.7 | | 1.2 Non-food Credit | 60,030 | 57,870 | 62,397 | 63,251 | 5.4 | 9.3 | | 1.2.1 Agriculture & Allied Activities | 7,659 | 7,473 | 8,260 | 8,424 | 10.0 | 12.7 | | 1.2.2 Industry | 26,576 | 25,588 | 26,687 | 26,952 | 1.4 | 5.3 | | 1.2.2.1 Micro & Small | 3,800 | 3,650 | 3,722 | 3,741 | –1.6 | 2.5 | | 1.2.2.2 Medium | 1,265 | 1,246 | 1,148 | 1,151 | –9.1 | –7.6 | | 1.2.2.3 Large | 21,511 | 20,692 | 21,817 | 22,060 | 2.6 | 6.6 | | 1.2.3 Services | 14,131 | 13,355 | 14,403 | 14,582 | 3.2 | 9.2 | | 1.2.3.1 Transport Operators | 916 | 866 | 963 | 962 | 5.0 | 11.0 | | 1.2.3.2 Computer Software | 172 | 170 | 197 | 190 | 10.5 | 11.9 | | 1.2.3.3 Tourism, Hotels & Restaurants | 370 | 359 | 378 | 383 | 3.5 | 6.9 | | 1.2.3.4 Shipping | 101 | 96 | 105 | 103 | 2.3 | 8.1 | | 1.2.3.5 Professional Services | 844 | 715 | 945 | 973 | 15.2 | 36.1 | | 1.2.3.6 Trade | 3,657 | 3,270 | 3,605 | 3,629 | –0.8 | 11.0 | | 1.2.3.6.1 Wholesale Trade | 1,801 | 1,607 | 1,641 | 1,641 | –8.9 | 2.1 | | 1.2.3.6.2 Retail Trade | 1,856 | 1,663 | 1,964 | 1,988 | 7.1 | 19.5 | | 1.2.3.7 Commercial Real Estate | 1,665 | 1,627 | 1,708 | 1,723 | 3.5 | 5.9 | | 1.2.3.8 Non-Banking Financial Companies (NBFCs) | 3,117 | 2,985 | 3,124 | 3,149 | 1.0 | 5.5 | | 1.2.3.9 Other Services | 3,289 | 3,268 | 3,377 | 3,471 | 5.5 | 6.2 | | 1.2.4 Personal Loans | 11,663 | 11,454 | 13,046 | 13,293 | 14.0 | 16.1 | | 1.2.4.1 Consumer Durables | 153 | 147 | 165 | 167 | 9.2 | 13.4 | | 1.2.4.2 Housing | 6,285 | 5,987 | 7,052 | 7,140 | 13.6 | 19.3 | | 1.2.4.3 Advances against Fixed Deposits | 625 | 597 | 605 | 635 | 1.5 | 6.4 | | 1.2.4.4 Advances to Individuals against share & bonds | 54 | 41 | 69 | 60 | 9.9 | 46.5 | | 1.2.4.5 Credit Card Outstanding | 305 | 303 | 376 | 373 | 22.5 | 23.3 | | 1.2.4.6 Education | 633 | 630 | 677 | 680 | 7.4 | 8.1 | | 1.2.4.7 Vehicle Loans | 1,246 | 1,453 | 1,379 | 1,408 | 13.0 | –3.1 | | 1.2.4.8 Other Personal Loans | 2,362 | 2,297 | 2,723 | 2,830 | 19.8 | 23.2 | | 1.2A Priority Sector | 20,103 | 19,434 | 21,183 | 21,564 | 7.3 | 11.0 | | 1.2A.1 Agriculture & Allied Activities | 7,659 | 7,473 | 8,260 | 8,424 | 10.0 | 12.7 | | 1.2A.2 Micro & Small Enterprises | 8,003 | 7,593 | 8,105 | 8,283 | 3.5 | 9.1 | | 1.2A.2.1 Manufacturing | 3,800 | 3,650 | 3,722 | 3,741 | –1.6 | 2.5 | | 1.2A.2.2 Services | 4,203 | 3,944 | 4,383 | 4,542 | 8.1 | 15.2 | | 1.2A.3 Housing | 3,224 | 3,187 | 3,352 | 3,387 | 5.1 | 6.3 | | 1.2A.4 Micro-Credit | 177 | 171 | 192 | 178 | 0.3 | 3.9 | | 1.2A.5 Education Loans | 592 | 591 | 607 | 609 | 2.8 | 3.0 | | 1.2A.6 State-Sponsored Orgs. for SC/ST | 3 | 3 | 5 | 5 | 50.8 | 50.9 | | 1.2A.7 Weaker Sections | 4,049 | 3,954 | 4,533 | 4,606 | 13.7 | 16.5 | | 1.2A.8 Export Credit | 426 | 406 | 314 | 322 | –24.5 | –20.8 | Note: Data are provisional and relate to select banks which cover 95 per cent of total non-food credit extended by all scheduled commercial banks (excludes ING Vysya which has been merged with Kotak Mahindra since April 2015).
Export credit under priority sector relates to foreign banks only.
Micro & small under item 2.1 includes credit to micro & small industries in manufacturing sector.
Micro & small enterprises under item 5.2 includes credit to micro & small enterprises in manufacturing as well as services sector.
Priority Sector is as per old definition and does not conform to FIDD Circular FIDD.CO.Plan.BC.54/04.09.01/2014-15 dated April 23, 2015. | |