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15. Deployment of Gross Bank Credit by Major Sectors
Date : Nov 11, 2020
(₹ Crore)
Item Outstanding as on Growth (%)
Mar. 27, 2020 2019 2020 Financial year so far Y-o-Y
Sep. 27 Aug. 28 Sep. 25 2020-21 2020
1 2 3 4 5 6
1 Gross Bank Credit 9263134 8680216 9112035 9183525 -0.9 5.8
1.1 Food Credit 51590 59887 65708 66204 28.3 10.5
1.2 Non-food Credit 9211544 8620329 9046327 9117321 –1.0 5.8
1.2.1 Agriculture & Allied Activities 1157796 1127794 1168075 1194488 3.2 5.9
1.2.2 Industry 2905151 2774883 2778672 2774867 –4.5 0.0
1.2.2.1 Micro & Small 381825 361328 354546 360833 –5.5 -0.1
1.2.2.2 Medium 105598 104989 107386 120210 13.8 14.5
1.2.2.3 Large 2417728 2308566 2316740 2293824 –5.1 -0.6
1.2.3 Services 2594945 2361867 2551467 2576254 –0.7 9.1
1.2.3.1 Transport Operators 144466 142605 148575 147616 2.2 3.5
1.2.3.2 Computer Software 20051 18772 20089 19828 –1.1 5.6
1.2.3.3 Tourism, Hotels & Restaurants 45977 40419 47282 48378 5.2 19.7
1.2.3.4 Shipping 6557 5963 4987 5099 –22.2 -14.5
1.2.3.5 Professional Services 177085 171733 175191 175455 –0.9 2.2
1.2.3.6 Trade 552392 508039 567367 566336 2.5 11.5
1.2.3.6.1 Wholesale Trade 263397 217325 265152 263499 0.0 21.2
1.2.3.6.2 Retail Trade 288995 290714 302215 302837 4.8 4.2
1.2.3.7 Commercial Real Estate 229770 218088 230759 230025 0.1 5.5
1.2.3.8 Non-Banking Financial Companies (NBFCs) 807383 713510 796763 802552 –0.6 12.5
1.2.3.9 Other Services 611264 542738 560454 580965 –5.0 7.0
1.2.4 Personal Loans 2553652 2355785 2548113 2571712 0.7 9.2
1.2.4.1 Consumer Durables 9298 5445 9053 6661 –28.4 22.3
1.2.4.2 Housing 1338964 1253190 1349501 1359824 1.6 8.5
1.2.4.3 Advances against Fixed Deposits 79496 64192 62568 63167 –20.5 -1.6
1.2.4.4 Advances to Individuals against share & bond 5334 5105 6313 6325 18.6 23.9
1.2.4.5 Credit Card Outstanding 108094 99372 104833 105640 –2.3 6.3
1.2.4.6 Education 65745 68229 64865 65146 –0.9 -4.5
1.2.4.7 Vehicle Loans 220609 203446 219769 221388 0.4 8.8
1.2.4.8 Other Personal Loans 726112 656806 731211 743561 2.4 13.2
1.2A Priority Sector 2897461 2759852 2842996 2884154 –0.5 4.5
1.2A.1 Agriculture & Allied Activities 1146624 1118871 1154411 1180052 2.9 5.5
1.2A.2 Micro & Small Enterprises 1149394 1056600 1104504 1127110 –1.9 6.7
1.2A.2.1 Manufacturing 381826 361328 354546 360833 –5.5 -0.1
1.2A.2.2 Services 767568 695272 749958 766277 –0.2 10.2
1.2A.3 Housing 449945 454566 473151 464642 3.3 2.2
1.2A.4 Micro-Credit 38237 32077 32139 32333 –15.4 0.8
1.2A.5 Education Loans 51906 53921 52013 51898 –0.0 -3.8
1.2A.6 State-Sponsored Orgs. for SC/ST 388 410 443 515 32.7 25.6
1.2A.7 Weaker Sections 731409 696626 743473 743792 1.7 6.8
1.2A.8 Export Credit 16114 14454 13959 14831 –8.0 2.6
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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