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15. Deployment of Gross Bank Credit by Major Sectors
Date : Jan 11, 2020
(₹ Crore)
Item Outstanding as on Growth (%)
Mar. 29, 2019 2018 2019 Financial year so far Y-o-Y
Nov. 23 Oct. 25 Nov. 22 2019-20 2019
1 2 3 4 5 6
1 Gross Bank Credit 8674892 8165199 8733112 8764913 1.0 7.3
1.1 Food Credit 41474 72060 69555 91005 119.4 26.3
1.2 Non-food Credit 8633418 8093139 8663557 8673908 0.5 7.2
1.2.1 Agriculture & Allied Activities 1111300 1064753 1134705 1134004 2.0 6.5
1.2.2 Industry 2885778 2708395 2786751 2772248 –3.9 2.4
1.2.2.1 Micro & Small 375505 362976 359018 362758 –3.4 -0.1
1.2.2.2 Medium 106395 105113 105558 102601 –3.6 -2.4
1.2.2.3 Large 2403878 2240306 2322175 2306889 –4.0 3.0
1.2.3 Services 2415609 2253815 2352418 2362956 –2.2 4.8
1.2.3.1 Transport Operators 138524 129229 139103 139754 0.9 8.1
1.2.3.2 Computer Software 18535 19126 19063 19052 2.8 -0.4
1.2.3.3 Tourism, Hotels & Restaurants 39005 38437 43399 43468 11.4 13.1
1.2.3.4 Shipping 7748 6377 5893 6704 –13.5 5.1
1.2.3.5 Professional Services 171517 168471 169783 170660 –0.5 1.3
1.2.3.6 Trade 528158 479515 505037 501677 –5.0 4.6
1.2.3.6.1 Wholesale Trade 250528 211595 218722 217567 –13.2 2.8
1.2.3.6.2 Retail Trade 277630 267920 286315 284109 2.3 6.0
1.2.3.7 Commercial Real Estate 202291 187665 220300 220685 9.1 17.6
1.2.3.8 Non-Banking Financial Companies (NBFCs) 641208 566312 713344 730907 14.0 29.1
1.2.3.9 Other Services 668623 658683 536499 530048 –20.7 -19.5
1.2.4 Personal Loans 2220732 2066176 2389684 2404701 8.3 16.4
1.2.4.1 Consumer Durables 6299 3274 5557 5499 –12.7 68.0
1.2.4.2 Housing 1160111 1077416 1268734 1274747 9.9 18.3
1.2.4.3 Advances against Fixed Deposits 82873 68160 62902 62892 –24.1 -7.7
1.2.4.4 Advances to Individuals against share & bond 6265 5969 5056 4982 –20.5 -16.5
1.2.4.5 Credit Card Outstanding 88262 85278 105026 105860 19.9 24.1
1.2.4.6 Education 67988 69190 67238 66902 –1.6 -3.3
1.2.4.7 Vehicle Loans 202154 198707 206720 207996 2.9 4.7
1.2.4.8 Other Personal Loans 606780 558182 668451 675823 11.4 21.1
1.2A Priority Sector 2739021 2604065 2766084 2694733 –1.6 3.5
1.2A.1 Agriculture & Allied Activities 1104988 1058673 1125522 1125474 1.9 6.3
1.2A.2 Micro & Small Enterprises 1067175 995653 1053403 1057378 –0.9 6.2
1.2A.2.1 Manufacturing 375505 362976 359018 362758 –3.4 -0.1
1.2A.2.2 Services 691670 632677 694385 694620 0.4 9.8
1.2A.3 Housing 432703 404312 455536 454000 4.9 12.3
1.2A.4 Micro-Credit 24101 23005 32525 33526 39.1 45.7
1.2A.5 Education Loans 53950 56835 53736 53410 –1.0 -6.0
1.2A.6 State-Sponsored Orgs. for SC/ST 397 341 397 387 –2.5 13.5
1.2A.7 Weaker Sections 662628 598556 704413 698449 5.4 16.7
1.2A.8 Export Credit 15566 18529 14040 13219 –15.1 -28.7
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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