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15. Deployment of Gross Bank Credit by Major Sectors
Date : May 14, 2020
(₹ Crore)
Item Outstanding as on Growth (%)
Mar. 29,
2019
2019 2020 Financial year so far Y-o-Y
Mar. 29 Feb. 28 Mar. 27 2019-20 2020
1 2 3 4 5 6
1 Gross Bank Credit 8674893 8674893 8980095 9263134 6.8 6.8
1.1 Food Credit 41474 41474 65384 51590 24.4 24.4
1.2 Non-food Credit 8633419 8633419 8914711 9211544 6.7 6.7
1.2.1 Agriculture & Allied Activities 1111300 1111300 1155990 1157795 4.2 4.2
1.2.2 Industry 2885778 2885778 2792812 2905151 0.7 0.7
1.2.2.1 Micro & Small 375505 375505 371333 381825 1.7 1.7
1.2.2.2 Medium 106395 106395 107502 105598 –0.7 -0.7
1.2.2.3 Large 2403878 2403878 2313977 2417728 0.6 0.6
1.2.3 Services 2415609 2415609 2433858 2594945 7.4 7.4
1.2.3.1 Transport Operators 138524 138524 142127 144466 4.3 4.3
1.2.3.2 Computer Software 18535 18535 19205 20051 8.2 8.2
1.2.3.3 Tourism, Hotels & Restaurants 39005 39005 45184 45977 17.9 17.9
1.2.3.4 Shipping 7748 7748 6527 6557 –15.4 -15.4
1.2.3.5 Professional Services 171517 171517 172907 177085 3.2 3.2
1.2.3.6 Trade 528158 528158 538608 552392 4.6 4.6
1.2.3.6.1 Wholesale Trade 250528 250528 254833 263397 5.1 5.1
1.2.3.6.2 Retail Trade 277630 277630 283775 288995 4.1 4.1
1.2.3.7 Commercial Real Estate 202291 202291 228826 229770 13.6 13.6
1.2.3.8 Non-Banking Financial Companies (NBFCs) 641208 641208 703667 807383 25.9 25.9
1.2.3.9 Other Services 668623 668623 576807 611264 –8.6 -8.6
1.2.4 Personal Loans 2220732 2220732 2532051 2553652 15.0 15.0
1.2.4.1 Consumer Durables 6299 6299 6495 9298 47.6 47.6
1.2.4.2 Housing 1160111 1160111 1328991 1338964 15.4 15.4
1.2.4.3 Advances against Fixed Deposits 82873 82873 75469 79496 –4.1 -4.1
1.2.4.4 Advances to Individuals against share & bond 6265 6265 5183 5334 –14.9 -14.9
1.2.4.5 Credit Card Outstanding 88262 88262 110946 108094 22.5 22.5
1.2.4.6 Education 67988 67988 66563 65745 –3.3 -3.3
1.2.4.7 Vehicle Loans 202154 202154 221129 220609 9.1 9.1
1.2.4.8 Other Personal Loans 606780 606780 717275 726112 19.7 19.7
1.2A Priority Sector 2739021 2739021 2690428 2897461 5.8 5.8
1.2A.1 Agriculture & Allied Activities 1104988 1104988 1145063 1146624 3.8 3.8
1.2A.2 Micro & Small Enterprises 1067175 1067175 1095182 1149394 7.7 7.7
1.2A.2.1 Manufacturing 375505 375505 371333 381825 1.7 1.7
1.2A.2.2 Services 691670 691670 723849 767568 11.0 11.0
1.2A.3 Housing 432703 432703 460496 449945 4.0 4.0
1.2A.4 Micro-Credit 24101 24101 36477 38237 58.7 58.7
1.2A.5 Education Loans 53950 53950 52692 51906 –3.8 -3.8
1.2A.6 State-Sponsored Orgs. for SC/ST 397 397 115 388 –2.3 -2.3
1.2A.7 Weaker Sections 662628 662628 701304 731409 10.4 10.4
1.2A.8 Export Credit 15566 15566 14325 16114 3.5 3.5
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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