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15. Deployment of Gross Bank Credit by Major Sectors
Date : Sep 11, 2017
(₹ Billion)
Item Outstanding as on Growth (%)
Mar. 31, 2017 2016 2017 Financial year so far Y-o-Y
Jul. 22 Jun. 23 Jul. 21 2017-18 2017
1 2 3 4 5 6
1 Gross Bank Credit 71,347 66,321 69,209 69,452 -2.7 4.7
1.1 Food Credit 400 794 511 456 13.8 -42.6
1.2 Non-food Credit 70,947 65,527 68,698 68,996 –2.7 5.3
1.2.1 Agriculture & Allied Activities 9,924 9,123 9,719 9,743 –1.8 6.8
1.2.2 Industry 26,800 26,365 26,185 26,280 –1.9 -0.3
1.2.2.1 Micro & Small 3,697 3,597 3,616 3,593 –2.8 -0.1
1.2.2.2 Medium 1,048 1,089 1,002 1,005 –4.1 -7.7
1.2.2.3 Large 22,055 21,679 21,567 21,681 –1.7 0.0
1.2.3 Services 18,022 15,559 16,393 16,316 –9.5 4.9
1.2.3.1 Transport Operators 1,104 1,061 1,102 1,107 0.2 4.3
1.2.3.2 Computer Software 179 183 169 174 –2.6 -5.1
1.2.3.3 Tourism, Hotels & Restaurants 375 384 361 360 –4.0 -6.3
1.2.3.4 Shipping 84 101 76 72 –14.6 -28.9
1.2.3.5 Professional Services 1,377 1,145 1,278 1,322 –3.9 15.5
1.2.3.6 Trade 4,279 3,894 4,078 4,059 –5.2 4.2
1.2.3.6.1 Wholesale Trade 1,932 1,746 1,787 1,773 –8.2 1.5
1.2.3.6.2 Retail Trade 2,347 2,148 2,291 2,286 –2.6 6.4
1.2.3.7 Commercial Real Estate 1,856 1,815 1,771 1,774 –4.4 -2.3
1.2.3.8 Non-Banking Financial Companies (NBFCs) 3,910 3,424 3,410 3,375 –13.7 -1.4
1.2.3.9 Other Services 4,859 3,551 4,149 4,073 –16.2 14.7
1.2.4 Personal Loans 16,200 14,480 16,401 16,657 2.8 15.0
1.2.4.1 Consumer Durables 208 188 173 172 –17.2 -8.5
1.2.4.2 Housing 8,601 7,816 8,619 8,636 0.4 10.5
1.2.4.3 Advances against Fixed Deposits 661 612 597 579 –12.5 -5.4
1.2.4.4 Advances to Individuals against share & bond 48 58 52 52 8.9 -10.0
1.2.4.5 Credit Card Outstanding 521 429 567 568 8.9 32.5
1.2.4.6 Education 701 691 695 701 0.0 1.5
1.2.4.7 Vehicle Loans 1,705 1,575 1,716 1,726 1.2 9.6
1.2.4.8 Other Personal Loans 3,755 3,112 3,982 4,224 12.5 35.7
1.2A Priority Sector 24,357 22,805 23,492 23,547 –3.3 3.3
1.2A.1 Agriculture & Allied Activities 9,909 9,087 9,698 9,725 –1.9 7.0
1.2A.2 Micro & Small Enterprises 9,020 8,502 8,733 8,726 –3.3 2.6
1.2A.2.1 Manufacturing 3,697 3,597 3,616 3,593 –2.8 -0.1
1.2A.2.2 Services 5,322 4,905 5,117 5,132 –3.6 4.6
1.2A.3 Housing 3,683 3,512 3,571 3,572 –3.0 1.7
1.2A.4 Micro-Credit 189 182 142 150 –20.5 -17.7
1.2A.5 Education Loans 604 607 582 587 –2.9 -3.3
1.2A.6 State-Sponsored Orgs. for SC/ST 6 6 3 3 –59.6 -56.8
1.2A.7 Weaker Sections 5,546 4,939 5,258 5,502 –0.8 11.4
1.2A.8 Export Credit 425 471 390 412 –3.2 -12.6
Note: Data are provisional and relate to select 41 scheduled commercial banks, accounting for about 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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