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15. Deployment of Gross Bank Credit by Major Sectors
Date : Feb 11, 2020
(₹ Crore)
Item Outstanding as on Growth (%)
Mar. 29, 2019 2018 2019 Financial year so far Y-o-Y
Dec. 21 Nov. 22 Dec. 20 2019-20 2019
1 2 3 4 5 6
1 Gross Bank Credit 8674892 8241267 8764913 8822209 1.7 7.0
1.1 Food Credit 41474 77092 91005 84863 104.6 10.1
1.2 Non-food Credit 8633418 8164175 8673908 8737346 1.2 7.0
1.2.1 Agriculture & Allied Activities 1111300 1082111 1134004 1139092 2.5 5.3
1.2.2 Industry 2885778 2749375 2772248 2794372 –3.2 1.6
1.2.2.1 Micro & Small 375505 365002 362758 365398 –2.7 0.1
1.2.2.2 Medium 106395 104570 102601 107166 0.7 2.5
1.2.2.3 Large 2403878 2279803 2306889 2321808 –3.4 1.8
1.2.3 Services 2415609 2232987 2362956 2370600 –1.9 6.2
1.2.3.1 Transport Operators 138524 130312 139754 140438 1.4 7.8
1.2.3.2 Computer Software 18535 19124 19052 18597 0.3 -2.8
1.2.3.3 Tourism, Hotels & Restaurants 39005 38792 43468 44745 14.7 15.3
1.2.3.4 Shipping 7748 6236 6704 6548 –15.5 5.0
1.2.3.5 Professional Services 171517 171662 170660 172553 0.6 0.5
1.2.3.6 Trade 528158 485990 501677 513987 –2.7 5.8
1.2.3.6.1 Wholesale Trade 250528 214041 217567 228558 –8.8 6.8
1.2.3.6.2 Retail Trade 277630 271949 284109 285429 2.8 5.0
1.2.3.7 Commercial Real Estate 202291 189929 220685 219585 8.5 15.6
1.2.3.8 Non-Banking Financial Companies (NBFCs) 641208 570946 730907 728561 13.6 27.6
1.2.3.9 Other Services 668623 619996 530048 525586 –21.4 -15.2
1.2.4 Personal Loans 2220732 2099699 2404701 2433282 9.6 15.9
1.2.4.1 Consumer Durables 6299 3280 5499 5450 –13.5 66.2
1.2.4.2 Housing 1160111 1096614 1274747 1289637 11.2 17.6
1.2.4.3 Advances against Fixed Deposits 82873 69324 62892 64441 –22.2 -7.0
1.2.4.4 Advances to Individuals against share & bond 6265 6170 4982 5072 –19.0 -17.8
1.2.4.5 Credit Card Outstanding 88262 84519 105860 105905 20.0 25.3
1.2.4.6 Education 67988 69115 66902 66895 –1.6 -3.2
1.2.4.7 Vehicle Loans 202154 199235 207996 213601 5.7 7.2
1.2.4.8 Other Personal Loans 606780 571442 675823 682281 12.4 19.4
1.2A Priority Sector 2739021 2627870 2694733 2787852 1.8 6.1
1.2A.1 Agriculture & Allied Activities 1104988 1074992 1125474 1133239 2.6 5.4
1.2A.2 Micro & Small Enterprises 1067175 1004744 1057378 1061953 –0.5 5.7
1.2A.2.1 Manufacturing 375505 365002 362758 365398 –2.7 0.1
1.2A.2.2 Services 691670 639742 694620 696555 0.7 8.9
1.2A.3 Housing 432703 408457 454000 456989 5.6 11.9
1.2A.4 Micro-Credit 24101 23877 33526 35104 45.7 47.0
1.2A.5 Education Loans 53950 56694 53410 53215 –1.4 -6.1
1.2A.6 State-Sponsored Orgs. for SC/ST 397 338 387 395 –0.5 16.9
1.2A.7 Weaker Sections 662628 601915 698449 711799 7.4 18.3
1.2A.8 Export Credit 15566 18495 13219 15152 –2.7 -18.1
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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