| (₹ Crore) |
| Sector | Outstanding as on | Growth(%) |
Mar. 22,
2024 | 2023 | 2024 | Financial year so far | Y-o-Y |
| Sep. 22 | Aug. 23 | Sep. 20 | 2024-25 | 2024 |
| 1 | 2 | 3 | 4 | % | % |
| I. Bank Credit (II + III) | 16432164 | 15151314 | 16945162 | 17125371 | 4.2 | 13.0 |
| | (15901477) | (14558874) | (16459830) | (16648962) | (4.7) | (14.4) |
| II. Food Credit | 23081 | 18865 | 24361 | 19926 | -13.7 | 5.6 |
| III. Non-food Credit | 16409083 | 15132449 | 16920802 | 17105445 | 4.2 | 13.0 |
| | (15878397) | (14540009) | (16435470) | (16629037) | (4.7) | (14.4) |
| 1. Agriculture & Allied Activities | 2071251 | 1862538 | 2160634 | 2167287 | 4.6 | 16.4 |
| 2. Industry (Micro and Small, Medium and Large) | 3652804 | 3489700 | 3756194 | 3801604 | 4.1 | 8.9 |
| | (3635810) | (3471775) | (3740619) | (3786279) | (4.1) | (9.1) |
| 2.1 Micro and Small | 726315 | 662065 | 743704 | 750825 | 3.4 | 13.4 |
| 2.2 Medium | 303998 | 277614 | 324746 | 334412 | 10.0 | 20.5 |
| 2.3 Large | 2622490 | 2550021 | 2687743 | 2716366 | 3.6 | 6.5 |
| 3. Services | 4592227 | 4166060 | 4643586 | 4736957 | 3.2 | 13.7 |
| | (4490467) | (4040721) | (4559593) | (4654649) | (3.7) | (15.2) |
| 3.1 Transport Operators | 230175 | 209425 | 243486 | 245008 | 6.4 | 17.0 |
| 3.2 Computer Software | 25917 | 24160 | 27990 | 29760 | 14.8 | 23.2 |
| 3.3 Tourism, Hotels & Restaurants | 77513 | 75767 | 80570 | 78753 | 1.6 | 3.9 |
| 3.4 Shipping | 7067 | 6642 | 7257 | 7166 | 1.4 | 7.9 |
| 3.5 Aviation | 43248 | 39218 | 44837 | 44458 | 2.8 | 13.4 |
| 3.6 Professional Services | 167234 | 152272 | 173738 | 177730 | 6.3 | 16.7 |
| 3.7 Trade | 1025752 | 937960 | 1052621 | 1072493 | 4.6 | 14.3 |
| 3.7.1. Wholesale Trade1 | 538744 | 482405 | 553316 | 567242 | 5.3 | 17.6 |
| 3.7.2 Retail Trade | 487008 | 455555 | 499305 | 505251 | 3.7 | 10.9 |
| 3.8 Commercial Real Estate | 469013 | 442202 | 494809 | 497333 | 6.0 | 12.5 |
| | (400470) | (354751) | (437854) | (441714) | (10.3) | (24.5) |
| 3.9 Non-Banking Financial Companies (NBFCs)2 of which, | 1548027 | 1396680 | 1522204 | 1529006 | -1.2 | 9.5 |
| 3.9.1 Housing Finance Companies (HFCs) | 325626 | 308711 | 322093 | 324354 | -0.4 | 5.1 |
| 3.9.2 Public Financial Institutions (PFIs) | 226963 | 193196 | 196565 | 203257 | -10.4 | 5.2 |
| 3.10 Other Services3 | 998281 | 881734 | 996074 | 1055250 | 5.7 | 19.7 |
| | (978198) | (858200) | (977918) | (1037408) | (6.1) | (20.9) |
| 4. Personal Loans | 5331290 | 4934424 | 5555484 | 5596719 | 5.0 | 13.4 |
| | (4919468) | (4485276) | (5170917) | (5219246) | (6.1) | (16.4) |
| 4.1 Consumer Durables | 23713 | 21881 | 24396 | 23764 | 0.2 | 8.6 |
| 4.2 Housing | 2718715 | 2527201 | 2833166 | 2845505 | 4.7 | 12.6 |
| | (2331935) | (2105971) | (2471488) | (2490574) | (6.8) | (18.3) |
| 4.3 Advances against Fixed Deposits | 125239 | 114851 | 121817 | 125694 | 0.4 | 9.4 |
| 4.4 Advances to Individuals against share & bonds | 8492 | 7764 | 9722 | 9546 | 12.4 | 22.9 |
| 4.5 Credit Card Outstanding | 257016 | 230259 | 276576 | 271813 | 5.8 | 18.0 |
| 4.6 Education | 119380 | 109772 | 126148 | 129116 | 8.2 | 17.6 |
| 4.7 Vehicle Loans | 589251 | 544599 | 610792 | 617180 | 4.7 | 13.3 |
| 4.8 Loan against gold jewellery | 102562 | 97426 | 140391 | 147081 | 43.4 | 51.0 |
| 4.9 Other Personal Loans | 1386921 | 1280670 | 1412476 | 1427020 | 2.9 | 11.4 |
| | (1362113) | (1253324) | (1389666) | (1404553) | (3.1) | (12.1) |
| 5. Priority Sector (Memo) | | | | | | |
| (i) Agriculture & Allied Activities4 | 2081856 | 1881206 | 2152535 | 2164159 | 4.0 | 15.0 |
| (ii) Micro & Small Enterprises5 | 1974191 | 1818843 | 2027278 | 2057867 | 4.2 | 13.1 |
| (iii) Medium Enterprises6 | 490703 | 449895 | 529582 | 543388 | 10.7 | 20.8 |
| (iv) Housing | 755222 | 737700 | 749534 | 750223 | -0.7 | 1.7 |
| | (660572) | (637057) | (661835) | (663719) | (0.5) | (4.2) |
| (v) Education Loans | 62235 | 60715 | 61988 | 62389 | 0.2 | 2.8 |
| (vi) Renewable Energy | 5991 | 4872 | 6844 | 6778 | 13.1 | 39.1 |
| (vii) Social Infrastructure | 2613 | 2581 | 1072 | 1124 | -57.0 | -56.5 |
| (viii) Export Credit | 11774 | 12209 | 11530 | 11290 | -4.1 | -7.5 |
| (ix) Others | 61336 | 51048 | 60587 | 58561 | -4.5 | 14.7 |
| (x) Weaker Sections including net PSLC- SF/MF | 1647778 | 1498137 | 1692726 | 1711473 | 3.9 | 14.2 |
Notes:
(1) Data are provisional. Bank credit, Food 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 95 per cent of total non-food credit extended by all SCBs, pertaining to the last reporting Friday of the month.
(2) Data since July 28, 2023 include the impact of the merger of a non-bank with a bank. Figures in parentheses exclude the impact of the merger.
1 Wholesale trade includes food procurement credit outside the food credit consortium.
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” under the priority sector also include priority sector lending certificates (PSLCs).
5 “Micro and Small Enterprises” under the priority sector include credit to micro and small enterprises in industry and services sectors and also include PSLCs.
6 “Medium Enterprises” under the priority sector include credit to medium enterprises in industry and services sectors. |