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15. Deployment of Gross Bank Credit by Major Sectors
Date : May 17, 2022
(₹ Crore)
Sector Outstanding as on Growth (%)
Mar.26, 2021 2021 2022 Financial year so far Y-o-Y
Mar.26 Feb.25 Mar.25 2021-22 2022
1 2 3 4 % %
I. Gross Bank Credit (II+III) 10847288 10847288 11627008 11890638 9.6 9.6
II. Food Credit 61254 61254 68224 55011 -10.2 -10.2
III. Non-food Credit 10786033 10786033 11558783 11835628 9.7 9.7
1. Agriculture & Allied Activities 1334022 1334022 1448928 1466514 9.9 9.9
2. Industry (Micro and Small, Medium and Large) 2962332 2962332 3135271 3171909 7.1 7.1
2.1 Micro and Small1 407675 407675 484465 495281 21.5 21.5
2.2 Medium 141339 141339 235050 242269 71.4 71.4
2.3 Large 2413318 2413318 2415757 2434359 0.9 0.9
3. Services 2788463 2788463 2966593 3036122 8.9 8.9
3.1 Transport Operators 142898 142898 149178 155220 8.6 8.6
3.2 Computer Software 19671 19671 20134 20497 4.2 4.2
3.3 Tourism, Hotels & Restaurants 59519 59519 64607 64408 8.2 8.2
3.4 Shipping 7747 7747 7480 8603 11.1 11.1
3.5 Aviation 26043 26043 23221 23292 -10.6 -10.6
3.6 Professional Services 107236 107236 113204 115756 7.9 7.9
3.7 Trade 628246 628246 687305 697194 11.0 11.0
3.7.1 Wholesale Trade 318582 318582 336982 341795 7.3 7.3
3.7.2 Retail Trade 309663 309663 350322 355399 14.8 14.8
3.8 Commercial Real Estate 289129 289129 288221 291580 0.8 0.8
3.9 Non-Banking Financial Companies (NBFCs)2 of which, 955311 955311 1027183 1054200 10.4 10.4
3.9.1 Housing Finance Companies (HFCs) 218619 218619 235080 239287 9.5 9.5
3.9.2 Public Financial Institutions (PFIs) 78987 78987 118244 119364 51.1 51.1
3.10 Other Services3 552665 552665 586058 605372 9.5 9.5
4. Personal Loans 3001645 3001645 3306650 3374876 12.4 12.4
4.1 Consumer Durables 17265 17265 26587 27618 60.0 60.0
4.2 Housing 1493906 1493906 1578125 1589326 6.4 6.4
4.3 Advances against Fixed Deposits 68731 68731 76579 79315 15.4 15.4
4.4 Advances to Individuals against share & bonds 5236 5236 5968 6042 15.4 15.4
4.5 Credit Card Outstanding 131193 131193 144004 147782 12.6 12.6
4.6 Education 62645 62645 63130 62622 0.0 0.0
4.7 Vehicle Loans 301445 301445 329636 329753 9.4 9.4
4.8 Loan against gold jewellery 60907 60907 71408 73743 21.1 21.1
4.9 Other Personal Loans 860316 860316 1011213 1058675 23.1 23.1
5. Priority Sector (Memo)            
5.1 Agriculture & Allied Activities4 1277989 1277989 1375748 1393313 9.0 9.0
5.2 Micro & Small Enterprises5 1186591 1186591 1312435 1312705 10.6 10.6
5.3 Medium Enterprises6 222591 222591 298107 304724 36.9 36.9
5.4 Housing 491495 491495 487611 493562 0.4 0.4
5.5 Education Loans 48053 48053 45643 45040 -6.3 -6.3
5.6 Renewable Energy 1244 1244 2573 3726 199.6 199.6
5.7 Social Infrastructure 2666 2666 2480 2421 -9.2 -9.2
5.8 Export Credit 31910 31910 29721 30638 -4.0 -4.0
5.9 Others 15795 15795 40603 37376 136.6 136.6
5.10 Weaker Sections including net PSLC- SF/MF 870584 870584 933147 912822 4.9 4.9
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 94 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.
Note 3: Bank credit growth are adjusted for past reporting errors by select SCBs.
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.

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