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15. Deployment of Gross Bank Credit by Major Sectors
Date : Nov 11, 2019
(₹ Crore)
Item Outstanding as on Growth (%)
Mar. 29, 2019 2018 2019 Financial year so far Y-o-Y
Sep. 28 Aug. 30 Sep. 27 2019-20 2019
1 2 3 4 5 6
1 Gross Bank Credit 8674892 8024959 8594549 8680216 0.1 8.2
1.1 Food Credit 41474 47515 62182 59887 44.4 26.0
1.2 Non-food Credit 8633418 7977444 8532367 8620329 –0.2 8.1
1.2.1 Agriculture & Allied Activities 1111300 1054439 1113027 1127794 1.5 7.0
1.2.2 Industry 2885778 2701649 2765215 2774883 –3.8 2.7
1.2.2.1 Micro & Small 375505 363797 358885 361328 –3.8 -0.7
1.2.2.2 Medium 106395 105256 104436 104989 –1.3 -0.3
1.2.2.3 Large 2403878 2232596 2301894 2308566 –4.0 3.4
1.2.3 Services 2415609 2201392 2350198 2361866 –2.2 7.3
1.2.3.1 Transport Operators 138524 126685 141245 142605 2.9 12.6
1.2.3.2 Computer Software 18535 19206 18761 18771 1.3 -2.3
1.2.3.3 Tourism, Hotels & Restaurants 39005 37351 40221 40419 3.6 8.2
1.2.3.4 Shipping 7748 6616 5955 5963 –23.0 -9.9
1.2.3.5 Professional Services 171517 161816 169097 171733 0.1 6.1
1.2.3.6 Trade 528158 481529 504278 508039 –3.8 5.5
1.2.3.6.1 Wholesale Trade 250528 209628 221053 217325 –13.3 3.7
1.2.3.6.2 Retail Trade 277630 271901 283225 290714 4.7 6.9
1.2.3.7 Commercial Real Estate 202291 184739 216388 218088 7.8 18.1
1.2.3.8 Non-Banking Financial Companies (NBFCs) 641208 546659 680360 713510 11.3 30.5
1.2.3.9 Other Services 668623 636791 573894 542738 –18.8 -14.8
1.2.4 Personal Loans 2220732 2019963 2303930 2355785 6.1 16.6
1.2.4.1 Consumer Durables 6299 3225 5484 5445 –13.6 68.8
1.2.4.2 Housing 1160111 1050222 1214773 1253190 8.0 19.3
1.2.4.3 Advances against Fixed Deposits 82873 73645 62607 64192 –22.5 -12.8
1.2.4.4 Advances to Individuals against share & bond 6265 6308 5087 5105 –18.5 -19.1
1.2.4.5 Credit Card Outstanding 88262 78921 97650 99372 12.6 25.9
1.2.4.6 Education 67988 69100 68457 68229 0.4 -1.3
1.2.4.7 Vehicle Loans 202154 195402 202662 203446 0.6 4.1
1.2.4.8 Other Personal Loans 606780 543140 647211 656806 8.2 20.9
1.2A Priority Sector 2739021 2586911 2721947 2759852 0.8 6.7
1.2A.1 Agriculture & Allied Activities 1104988 1047421 1105805 1118871 1.3 6.8
1.2A.2 Micro & Small Enterprises 1067175 994504 1048364 1056600 –1.0 6.2
1.2A.2.1 Manufacturing 375505 363797 358884 361328 –3.8 -0.7
1.2A.2.2 Services 691670 630707 689479 695271 0.5 10.2
1.2A.3 Housing 432703 394884 444823 454566 5.1 15.1
1.2A.4 Micro-Credit 24101 21924 31376 32077 33.1 46.3
1.2A.5 Education Loans 53950 57134 53983 53921 –0.1 -5.6
1.2A.6 State-Sponsored Orgs. for SC/ST 397 345 402 410 3.3 18.8
1.2A.7 Weaker Sections 662628 590954 682231 696626 5.1 17.9
1.2A.8 Export Credit 15566 22277 13139 14454 –7.1 -35.1
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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