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15. Deployment of Gross Bank Credit by Major Sectors
Date : Oct 11, 2019
(₹ Crore)
Item Outstanding as on Growth (%)
Mar. 29, 2019 2018 2019 Financial year so far Y-o-Y
Aug. 31 Jul. 19 Aug. 30 2019-20 2019
1 2 3 4 5 6
1 Gross Bank Credit 8674892 7819134 8561546 8594549 -0.9 9.9
1.1 Food Credit 41474 48754 65787 62182 49.9 27.5
1.2 Non-food Credit 8633418 7770380 8495759 8532367 –1.2 9.8
1.2.1 Agriculture & Allied Activities 1111300 1041879 1108988 1113027 0.2 6.8
1.2.2 Industry 2885778 2662066 2798360 2765215 –4.2 3.9
1.2.2.1 Micro & Small 375505 366411 361608 358885 –4.4 -2.1
1.2.2.2 Medium 106395 105261 105214 104436 –1.8 -0.8
1.2.2.3 Large 2403878 2190394 2331538 2301894 –4.2 5.1
1.2.3 Services 2415609 2074013 2312871 2350198 –2.7 13.3
1.2.3.1 Transport Operators 138524 125613 140947 141245 2.0 12.4
1.2.3.2 Computer Software 18535 18332 18212 18761 1.2 2.3
1.2.3.3 Tourism, Hotels & Restaurants 39005 36994 39899 40221 3.1 8.7
1.2.3.4 Shipping 7748 6781 5879 5955 –23.1 -12.2
1.2.3.5 Professional Services 171517 158591 166562 169097 –1.4 6.6
1.2.3.6 Trade 528158 475076 513452 504278 –4.5 6.1
1.2.3.6.1 Wholesale Trade 250528 210472 229764 221053 –11.8 5.0
1.2.3.6.2 Retail Trade 277630 264604 283688 283225 2.0 7.0
1.2.3.7 Commercial Real Estate 202291 187220 208627 216388 7.0 15.6
1.2.3.8 Non-Banking Financial Companies (NBFCs) 641208 490160 636733 680360 6.1 38.8
1.2.3.9 Other Services 668623 575246 582558 573894 –14.2 -0.2
1.2.4 Personal Loans 2220732 1992422 2275540 2303930 3.7 15.6
1.2.4.1 Consumer Durables 6299 3193 5623 5484 –12.9 71.8
1.2.4.2 Housing 1160111 1041857 1199806 1214773 4.7 16.6
1.2.4.3 Advances against Fixed Deposits 82873 66825 64901 62607 –24.5 -6.3
1.2.4.4 Advances to Individuals against share & bond 6265 5843 5396 5087 –18.8 -12.9
1.2.4.5 Credit Card Outstanding 88262 78499 93974 97650 10.6 24.4
1.2.4.6 Education 67988 69766 67665 68457 0.7 -1.9
1.2.4.7 Vehicle Loans 202154 195499 201318 202662 0.3 3.7
1.2.4.8 Other Personal Loans 606780 530940 636857 647211 6.7 21.9
1.2A Priority Sector 2739021 2563310 2716953 2721947 –0.6 6.2
1.2A.1 Agriculture & Allied Activities 1104988 1035940 1102240 1105805 0.1 6.7
1.2A.2 Micro & Small Enterprises 1067175 988106 1047483 1048364 –1.8 6.1
1.2A.2.1 Manufacturing 375505 366411 361608 358884 –4.4 -2.1
1.2A.2.2 Services 691670 621695 685875 689479 –0.3 10.9
1.2A.3 Housing 432703 393556 441976 444823 2.8 13.0
1.2A.4 Micro-Credit 24101 21155 31593 31376 30.2 48.3
1.2A.5 Education Loans 53950 57766 53659 53983 0.1 -6.5
1.2A.6 State-Sponsored Orgs. for SC/ST 397 349 385 402 1.3 15.2
1.2A.7 Weaker Sections 662628 587136 678242 682231 3.0 16.2
1.2A.8 Export Credit 15566 20518 14155 13139 –15.6 -36.0
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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