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15. Deployment of Gross Bank Credit by Major Sectors
Date : Dec 24, 2020
(₹ Crore)
Item Outstanding as on Growth (%)
Mar. 27, 2020 2019 2020 Financial year so far Y-o-Y
Oct. 25 Sep. 25 Oct. 23 2020-21 2020
1 2 3 4 5 6
1 Gross Bank Credit 9263134 8733113 9183525 9213059 -0.5 5.5
1.1 Food Credit 51590 69555 66204 66428 28.8 -4.5
1.2 Non-food Credit 9211544 8663558 9117321 9146631 –0.7 5.6
1.2.1 Agriculture & Allied Activities 1157796 1134705 1194488 1218717 5.3 7.4
1.2.2 Industry 2905151 2786751 2774867 2739841 –5.7 -1.7
1.2.2.1 Micro & Small 381825 359018 360833 361563 –5.3 0.7
1.2.2.2 Medium 105598 105558 120210 123150 16.6 16.7
1.2.2.3 Large 2417728 2322175 2293824 2255128 –6.7 -2.9
1.2.3 Services 2594945 2352418 2576254 2576581 –0.7 9.5
1.2.3.1 Transport Operators 144466 139102 147616 148172 2.6 6.5
1.2.3.2 Computer Software 20051 19062 19828 19368 –3.4 1.6
1.2.3.3 Tourism, Hotels & Restaurants 45977 43398 48378 48594 5.7 12.0
1.2.3.4 Shipping 6557 5893 5099 5364 –18.2 -9.0
1.2.3.5 Professional Services 177085 169783 175455 178191 0.6 5.0
1.2.3.6 Trade 552392 505037 566336 575886 4.3 14.0
1.2.3.6.1 Wholesale Trade 263397 218722 263499 268058 1.8 22.6
1.2.3.6.2 Retail Trade 288995 286315 302837 307828 6.5 7.5
1.2.3.7 Commercial Real Estate 229770 220300 230025 227992 –0.8 3.5
1.2.3.8 Non-Banking Financial Companies (NBFCs) 807383 713344 802552 778739 –3.5 9.2
1.2.3.9 Other Services 611264 536499 580965 594275 –2.8 10.8
1.2.4 Personal Loans 2553652 2389684 2571712 2611492 2.3 9.3
1.2.4.1 Consumer Durables 9298 5557 6661 6881 –26.0 23.8
1.2.4.2 Housing 1338964 1268734 1359824 1373277 2.6 8.2
1.2.4.3 Advances against Fixed Deposits 79496 62902 63167 61460 –22.7 -2.3
1.2.4.4 Advances to Individuals against share & bond 5334 5056 6325 6296 18.0 24.5
1.2.4.5 Credit Card Outstanding 108094 105026 105640 110207 2.0 4.9
1.2.4.6 Education 65745 67238 65146 65432 –0.5 -2.7
1.2.4.7 Vehicle Loans 220609 206720 221388 224022 1.5 8.4
1.2.4.8 Other Personal Loans 726112 668451 743561 763917 5.2 14.3
1.2A Priority Sector 2897461 2766084 2884154 2930417 1.1 5.9
1.2A.1 Agriculture & Allied Activities 1146624 1125522 1180052 1203789 5.0 7.0
1.2A.2 Micro & Small Enterprises 1149394 1053403 1127110 1125326 –2.1 6.8
1.2A.2.1 Manufacturing 381826 359018 360833 361562 –5.3 0.7
1.2A.2.2 Services 767568 694385 766277 763764 –0.5 10.0
1.2A.3 Housing 449945 455536 464642 462216 2.7 1.5
1.2A.4 Micro-Credit 38237 32525 32333 32760 –14.3 0.7
1.2A.5 Education Loans 51906 53736 51898 51789 –0.2 -3.6
1.2A.6 State-Sponsored Orgs. for SC/ST 388 397 515 540 39.2 36.0
1.2A.7 Weaker Sections 731409 704413 743792 727814 –0.5 3.3
1.2A.8 Export Credit 16114 14040 14831 13850 –14.0 -1.4
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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