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15. Deployment of Gross Bank Credit by Major Sectors
Date : Jul 15, 2021
(₹ Crore)
Sector Outstanding as on Growth (%)
Mar.26, 2021 2020 2021 Financial year so far Y-o-Y
May.22 Apr.23 May.21 2021-22 2021
1 2 3 4 % %
I. Gross Bank Credit (II+III) 10949509 10222753 10860425 10833589 –1.1 6.0
II. Food Credit 61254 79416 58335 90663 48.0 14.2
III. Non-food Credit 10888255 10143337 10802090 10742926 -1.3 5.9
1. Agriculture & Allied Activities 1299914 1165207 1291299 1284756 -1.2 10.3
2. Industry (Micro and Small, Medium and Large) 2918028 2861608 2895875 2883797 -1.2 0.8
2.1 Micro and Small1 383854 352949 372063 370718 -3.4 5.0
2.2 Medium 136054 99847 143052 145549 7.0 45.8
2.3 Large 2398121 2408812 2380760 2367530 -1.3 -1.7
3. Services 2630566 2524078 2592346 2571093 -2.3 1.9
3.1 Transport Operators 145195 142290 143969 142300 -2.0 0.0
3.2 Computer Software 21043 19702 20957 20155 -4.2 2.3
3.3 Tourism, Hotels & Restaurants 49590 45778 50395 49513 -0.2 8.2
3.4 Shipping 7172 5248 5409 5244 -26.9 -0.1
3.5 Aviation 25624 24973 26309 26144 2.0 4.7
3.6 Professional Services 119488 118293 114327 113092 -5.4 -4.4
3.7 Trade 617627 546500 609247 614482 -0.5 12.4
3.7.1 Wholesale Trade 319197 265199 316896 315911 -1.0 19.1
3.7.2 Retail Trade 298430 281301 292350 298570 0.0 6.1
3.8 Commercial Real Estate 235547 227847 234890 233695 -0.8 2.6
3.9 Non-Banking Financial Companies (NBFCs)2 of which, 945061 879966 923756 899502 -4.8 2.2
3.9.1 Housing Finance Companies (HFCs) 187324 165677 183748 168213 -10.2 1.5
3.9.2 Public Financial Institutions (PFIs) 78441 28491 75200 74262 -5.3 160.6
3.10 Other Services3 464219 513482 463088 466967 0.6 -9.1
4. Personal Loans 2813713 2478860 2810419 2787265 -0.9 12.4
4.1 Consumer Durables 7307 8702 7273 7049 -3.5 -19.0
4.2 Housing 1459066 1328100 1461491 1462029 0.2 10.1
4.3 Advances against Fixed Deposits 71544 63594 70693 66510 -7.0 4.6
4.4 Advances to Individuals against share & bonds 4570 4503 4474 4401 -3.7 -2.3
4.5 Credit Card Outstanding 116537 92887 113566 104475 -10.4 12.5
4.6 Education 63805 65205 62909 62965 -1.3 -3.4
4.7 Vehicle Loans 241657 214548 242443 240170 -0.6 11.9
4.8 Loan against gold jewellery 60726 46415 62238 62101 2.3 33.8
4.9 Other Personal Loans 788503 654906 785334 777567 -1.4 18.7
5. Priority Sector (Memo)            
5.1 Agriculture & Allied Activities4 1264151 1138301 1266715 1258377 -0.5 10.5
5.2 Micro & Small Enterprises5 1107236 1065953 1060534 1027910 -7.2 -3.6
5.3 Medium Enterprises6 206122 111491 189012 183639 -10.9 64.7
5.4 Housing 469863 462901 473957 472326 0.5 2.0
5.5 Education Loans 48201 52106 47510 47526 -1.4 -8.8
5.6 Renewable Energy 1171 688 1157 1144 -2.3 66.2
5.7 Social Infrastructure 2352 827 2327 2424 3.1 193.1
5.8 Export Credit7 19028 17406 19058 15649 -17.8 -10.1
5.9 Others 18818 12989 20638 22417 19.1 72.6
5.10 Weaker Sections including net PSLC- SF/MF 813263 768501 809618 813511 0.0 5.9
Note 1: Data are provisional. Gross bank credit and non-food credit data are based on Section - 42 return, which covers all scheduled commercial banks (SCBs), while sectoral non-food credit data are based on sector-wise and industry-wise bank credit (SIBC) return, which covers select banks accounting for about 90 per cent of total non-food credit extended by all SCBs.
Note 2: With effect from January 2021, sectoral credit data are based on revised format due to which values and growth rates of some of the existing components published earlier have undergone some changes
1 Micro & Small includes credit to micro & small industries in the manufacturing sector.
2 NBFCs include HFCs, PFIs, Microfinance Institutions (MFIs), NBFCs engaged in gold loan and others.
3 Other Services include Mutual Fund (MFs), Banking and Finance other than NBFCs and MFs and other services which are not indicated elsewhere under services.
4 Agriculture and Allied Activities also include priority sector lending certificates (PSLCs).
5 Micro and Small Enterprises include credit to micro and small enterprises in manufacturing and services sector and also include PSLCs.
6 Medium Enterprises include credit to medium enterprises in the manufacturing and services sector.
7 Export credit under the priority sector relates to foreign banks only.

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