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15. Deployment of Gross Bank Credit by Major Sectors
Date : Apr 10, 2017
(₹ Billion)
Item Outstanding as on Growth (%)
Mar. 18, 2016 2016 2017 Financial year so far Y-o-Y
Feb. 19 Jan. 20 Feb. 17 2016-17 2017
1 2 3 4 5 6
1 Gross Bank Credit 66,500 65,779 67,113 67,754 1.9 3.0
1.1 Food Credit 1,031 1,041 886 886 –14.0 -14.9
1.2 Non-food Credit 65,469 64,738 66,228 66,867 2.1 3.3
1.2.1 Agriculture & Allied Activities 8,829 8,564 9,202 9,330 5.7 9.0
1.2.2 Industry 27,307 27,455 25,866 26,014 –4.7 -5.2
1.2.2.1 Micro & Small 3,715 3,759 3,496 3,562 –4.1 -5.2
1.2.2.2 Medium 1,148 1,144 1,037 1,005 –12.5 -12.2
1.2.2.3 Large 22,444 22,552 21,333 21,448 –4.4 -4.9
1.2.3 Services 15,411 14,970 15,923 16,120 4.6 7.7
1.2.3.1 Transport Operators 997 986 1,030 1,039 4.2 5.3
1.2.3.2 Computer Software 191 188 176 174 –9.0 -7.5
1.2.3.3 Tourism, Hotels & Restaurants 371 375 376 380 2.5 1.4
1.2.3.4 Shipping 104 106 119 118 13.1 11.6
1.2.3.5 Professional Services 1,046 1,041 1,258 1,243 18.8 19.4
1.2.3.6 Trade 3,811 3,730 3,868 3,943 3.5 5.7
1.2.3.6.1 Wholesale Trade 1,686 1,686 1,776 1,800 6.8 6.7
1.2.3.6.2 Retail Trade 2,125 2,044 2,093 2,143 0.9 4.9
1.2.3.7 Commercial Real Estate 1,776 1,766 1,782 1,781 0.3 0.9
1.2.3.8 Non-Banking Financial Companies (NBFCs) 3,527 3,311 3,239 3,195 –9.4 -3.5
1.2.3.9 Other Services 3,587 3,467 4,076 4,247 18.4 22.5
1.2.4 Personal Loans 13,922 13,749 15,236 15,403 10.6 12.0
1.2.4.1 Consumer Durables 178 171 199 202 13.8 18.1
1.2.4.2 Housing 7,468 7,359 8,216 8,202 9.8 11.4
1.2.4.3 Advances against Fixed Deposits 667 680 597 588 –11.8 -13.4
1.2.4.4 Advances to Individuals against share & bonds 64 59 47 49 –23.2 -16.0
1.2.4.5 Credit Card Outstanding 377 385 498 493 30.9 28.2
1.2.4.6 Education 682 682 719 720 5.6 5.6
1.2.4.7 Vehicle Loans 1,529 1,432 1,678 1,692 10.7 18.2
1.2.4.8 Other Personal Loans 2,958 2,982 3,282 3,456 16.9 15.9
1.2A Priority Sector 22,259 21,853 22,655 22,889 2.8 4.7
1.2A.1 Agriculture & Allied Activities 8,826 8,560 9,171 9,302 5.4 8.7
1.2A.2 Micro & Small Enterprises 8,476 8,380 8,315 8,437 –0.5 0.7
1.2A.2.1 Manufacturing 3,715 3,759 3,496 3,562 –4.1 -5.2
1.2A.2.2 Services 4,761 4,621 4,819 4,875 2.4 5.5
1.2A.3 Housing 3,423 3,416 3,564 3,572 4.4 4.6
1.2A.4 Micro-Credit 188 188 181 185 –1.9 -1.6
1.2A.5 Education Loans 601 605 609 611 1.6 1.1
1.2A.6 State-Sponsored Orgs. for SC/ST 5 5 6 6 20.6 24.5
1.2A.7 Weaker Sections 4,774 4,703 5,192 5,208 9.1 10.8
1.2A.8 Export Credit 424 371 456 435 2.7 17.4
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.

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