RBI Bulletin


Search Archives

download file (13 kb) or PDF document (200 kb)
15. Deployment of Gross Bank Credit by Major Sectors
Date : Oct 18, 2021
(₹ Crore)
Sector Outstanding as on Growth (%)
Mar.26, 2021 2020 2021 Financial year so far Y-o-Y
Aug.28 Jul.30 Aug.27 2021-22 2021
1 2 3 4 % %
I. Gross Bank Credit (II+III) 10949509 10216158 10910416 10897463 –0.5 6.7
II. Food Credit 61254 65941 77478 68801 12.3 4.3
III. Non-food Credit 10888255 10150217 10832938 10828662 -0.5 6.7
1. Agriculture & Allied Activities 1271047 1171679 1318024 1304270 2.6 11.3
2. Industry (Micro and Small, Medium and Large) 2895786 2757526 2824855 2819601 -2.6 2.3
2.1 Micro and Small1 383854 354380 386092 390108 1.6 10.1
2.2 Medium 136054 104148 163401 170177 25.1 63.4
2.3 Large 2375878 2298998 2275362 2259315 -4.9 -1.7
3. Services 2647362 2536619 2597736 2625323 -0.8 3.5
3.1 Transport Operators 133953 127391 132405 131845 -1.6 3.5
3.2 Computer Software 19183 17818 19192 18541 -3.3 4.1
3.3 Tourism, Hotels & Restaurants 48019 45613 48398 48563 1.1 6.5
3.4 Shipping 7188 4957 7142 6997 -2.7 41.1
3.5 Aviation 25643 25807 30351 28278 10.3 9.6
3.6 Professional Services 105253 106814 97174 99935 -5.1 -6.4
3.7 Trade 590377 552665 594351 591683 0.2 7.1
3.7.1 Wholesale Trade 309611 273523 313305 309807 0.1 13.3
3.7.2 Retail Trade 280766 279142 281046 281876 0.4 1.0
3.8 Commercial Real Estate 264246 260797 262655 258286 -2.3 -1.0
3.9 Non-Banking Financial Companies (NBFCs)2 of which, 937949 893062 892226 870541 -7.2 -2.5
3.9.1 Housing Finance Companies (HFCs) 215189 186983 169722 205093 -4.7 9.7
3.9.2 Public Financial Institutions (PFIs) 78442 38887 78398 77833 -0.8 100.2
3.10 Other Services3 515550 501695 513843 570654 10.7 13.7
4. Personal Loans 2845527 2580501 2858741 2893913 1.7 12.1
4.1 Consumer Durables 8810 7931 9526 10258 16.4 29.4
4.2 Housing 1458358 1345571 1466762 1469744 0.8 9.2
4.3 Advances against Fixed Deposits 62975 55096 59191 61088 -3.0 10.9
4.4 Advances to Individuals against share & bonds 4419 5985 4453 4390 -0.7 -26.6
4.5 Credit Card Outstanding 116537 104833 111323 115612 -0.8 10.3
4.6 Education 63968 65033 62531 62964 -1.6 -3.2
4.7 Vehicle Loans 267352 248210 265951 268643 0.5 8.2
4.8 Loan against gold jewellery 60724 37860 62412 62926 3.6 66.2
4.9 Other Personal Loans 802385 709983 816592 838288 4.5 18.1
5. Priority Sector (Memo)            
5.1 Agriculture & Allied Activities4 1235082 1154920 1260065 1249775 1.2 8.2
5.2 Micro & Small Enterprises5 1113243 1098330 1099061 1110565 -0.2 1.1
5.3 Medium Enterprises6 207615 139525 209743 215688 3.9 54.6
5.4 Housing 468659 473048 471896 470652 0.4 -0.5
5.5 Education Loans 48201 52013 46754 46993 -2.5 -9.7
5.6 Renewable Energy 1171 1017 1230 1313 12.1 29.1
5.7 Social Infrastructure 2352 980 2438 2619 11.4 167.3
5.8 Export Credit7 19028 14464 21765 17875 -6.1 23.6
5.9 Others 9169 9166 29024 15988 74.4 74.4
5.10 Weaker Sections including net PSLC- SF/MF 813263 722250 775238 814998 0.2 12.8
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.

2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
Archives
Top