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15. Deployment of Gross Bank Credit by Major Sectors
Date : Aug 14, 2019
(₹ Billion)
Item Outstanding as on Growth (%)
Mar. 29, 2019 2018 2019 Financial year so far Y-o-Y
Jun. 22 May 24 Jun. 21 2019-20 2019
1 2 3 4 5 6
1 Gross Bank Credit 86,749 76,949 85,167 85,476 -1.5 11.1
1.1 Food Credit 415 624 655 712 71.6 14.2
1.2 Non-food Credit 86,334 76,325 84,512 84,764 –1.8 11.1
1.2.1 Agriculture & Allied Activities 11,113 10,355 11,079 11,258 1.3 8.7
1.2.2 Industry 28,858 26,417 28,140 28,120 –2.6 6.4
1.2.2.1 Micro & Small 3,755 3,641 3,653 3,662 –2.5 0.6
1.2.2.2 Medium 1,064 1,029 1,054 1,052 –1.2 2.2
1.2.2.3 Large 24,039 21,747 23,433 23,407 –2.6 7.6
1.2.3 Services 24,156 20,218 22,879 22,847 –5.4 13.0
1.2.3.1 Transport Operators 1,385 1,223 1,416 1,417 2.3 15.8
1.2.3.2 Computer Software 185 183 184 183 –1.2 0.0
1.2.3.3 Tourism, Hotels & Restaurants 390 366 389 396 1.5 8.2
1.2.3.4 Shipping 77 67 62 61 –21.5 -9.2
1.2.3.5 Professional Services 1,715 1,536 1,708 1,687 –1.7 9.9
1.2.3.6 Trade 5,282 4,700 5,075 5,116 –3.1 8.9
1.2.3.6.1 Wholesale Trade 2,505 2,049 2,267 2,301 –8.2 12.3
1.2.3.6.2 Retail Trade 2,776 2,651 2,808 2,815 1.4 6.2
1.2.3.7 Commercial Real Estate 2,023 1,863 2,007 2,055 1.6 10.3
1.2.3.8 Non-Banking Financial Companies (NBFCs) 6,412 4,616 6,235 6,351 –1.0 37.6
1.2.3.9 Other Services 6,686 5,663 5,802 5,582 –16.5 -1.4
1.2.4 Personal Loans 22,207 19,336 22,414 22,538 1.5 16.6
1.2.4.1 Consumer Durables 63 203 61 58 –8.4 -71.5
1.2.4.2 Housing 11,601 9,983 11,769 11,870 2.3 18.9
1.2.4.3 Advances against Fixed Deposits 829 679 665 671 –19.0 -1.2
1.2.4.4 Advances to Individuals against share & bond 63 57 55 54 –14.3 -5.4
1.2.4.5 Credit Card Outstanding 883 744 936 949 7.5 27.5
1.2.4.6 Education 680 686 674 676 –0.5 -1.5
1.2.4.7 Vehicle Loans 2,022 1,906 2,019 2,004 –0.9 5.1
1.2.4.8 Other Personal Loans 6,068 5,078 6,235 6,256 3.1 23.2
1.2A Priority Sector 27,390 24,975 27,275 27,520 0.5 10.2
1.2A.1 Agriculture & Allied Activities 11,050 10,292 11,005 11,187 1.2 8.7
1.2A.2 Micro & Small Enterprises 10,672 9,572 10,623 10,628 –0.4 11.0
1.2A.2.1 Manufacturing 3,755 3,641 3,653 3,662 –2.5 0.6
1.2A.2.2 Services 6,917 5,930 6,970 6,966 0.7 17.5
1.2A.3 Housing 4,327 3,739 4,325 4,400 1.7 17.7
1.2A.4 Micro-Credit 241 211 276 287 19.0 36.2
1.2A.5 Education Loans 540 563 542 542 0.5 -3.7
1.2A.6 State-Sponsored Orgs. for SC/ST 4 3 4 4 –3.5 14.3
1.2A.7 Weaker Sections 6,626 5,765 6,794 7,015 5.9 21.7
1.2A.8 Export Credit 156 223 144 143 –8.3 -36.1
Note : Data are provisional and relate to select 41 scheduled commercial banks, accounting for about 90 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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