| (₹ Crore) |
| Sector | Outstanding as on | Growth(%) |
| Mar. 21, 2025 | 2024 | 2025 | Financial year so far | Y-o-Y |
| May 31 | Apr. 18 | May 30 | 2025-26 | 2025 |
| 1 | 2 | 3 | 4 | % | % |
| I. Bank Credit (II + III) | 18243936 | 16784076 | 18186759 | 18287597 | 0.2 | 9.0 |
| | (17822569) | (16272998) | (17774269) | (17888624) | (0.4) | (9.9) |
| II. Food Credit | 36531 | 40259 | 32126 | 70581 | 93.2 | 75.3 |
| III. Non-food Credit | 18207404 | 16743817 | 18154634 | 18217016 | 0.1 | 8.8 |
| | (17786038) | (16232739) | (17742144) | (17818043) | (0.2) | (9.8) |
| 1. Agriculture & Allied Activities | 2287071 | 2139045 | 2309631 | 2298815 | 0.5 | 7.5 |
| 2. Industry (Micro and Small, Medium and Large) | 3937149 | 3703069 | 3895471 | 3881567 | -1.4 | 4.8 |
| | (3925089) | (3687055) | (3883660) | (3869110) | (-1.4) | (4.9) |
| 2.1 Micro and Small | 791721 | 736404 | 798669 | 837079 | 5.7 | 13.7 |
| 2.2 Medium | 360475 | 313398 | 365378 | 365914 | 1.5 | 16.8 |
| 2.3 Large | 2784953 | 2653268 | 2731423 | 2678574 | -3.8 | 1.0 |
| 3. Services | 5161462 | 4681418 | 5088547 | 5090833 | -1.4 | 8.7 |
| | (5094021) | (4587724) | (5012374) | (5018221) | (-1.5) | (9.4) |
| 3.1 Transport Operators | 258409 | 243044 | 260093 | 263377 | 1.9 | 8.4 |
| 3.2 Computer Software | 32915 | 25751 | 33451 | 33981 | 3.2 | 32.0 |
| 3.3 Tourism, Hotels & Restaurants | 83091 | 78408 | 84692 | 85206 | 2.5 | 8.7 |
| 3.4 Shipping | 7305 | 6908 | 7778 | 7793 | 6.7 | 12.8 |
| 3.5 Aviation | 46026 | 45556 | 46540 | 46326 | 0.7 | 1.7 |
| 3.6 Professional Services | 195956 | 180059 | 194449 | 196476 | 0.3 | 9.1 |
| 3.7 Trade | 1186787 | 1054911 | 1163877 | 1167392 | -1.6 | 10.7 |
| 3.7.1. Wholesale Trade¹ | 648619 | 556008 | 621874 | 634298 | -2.2 | 14.1 |
| 3.7.2 Retail Trade | 538168 | 498903 | 542003 | 533094 | -0.9 | 6.9 |
| 3.8 Commercial Real Estate | 532757 | 479120 | 549472 | 549874 | 3.2 | 14.8 |
| | (488689) | (415390) | (503090) | (505800) | (3.5) | (21.8) |
| 3.9 Non-Banking Financial Companies (NBFCs)² of which, | 1636098 | 1568073 | 1610587 | 1562646 | -4.5 | -0.3 |
| 3.9.1 Housing Finance Companies (HFCs) | 323146 | 331250 | 314881 | 308740 | -4.5 | -6.8 |
| 3.9.2 Public Financial Institutions (PFIs) | 228678 | 226675 | 220806 | 207146 | -9.4 | -8.6 |
| 3.10 Other Services³ | 1182118 | 999586 | 1137607 | 1177763 | -0.4 | 17.8 |
| | (1166422) | (980269) | (1116037) | (1157271) | (-0.8) | (18.1) |
| 4. Personal Loans | 5952299 | 5456636 | 5980893 | 6061987 | 1.8 | 11.1 |
| | (5610478) | (5055303) | (5656449) | (5748146) | (2.5) | (13.7) |
| 4.1 Consumer Durables | 23402 | 24682 | 23279 | 23715 | 1.3 | -3.9 |
| 4.2 Housing | 3010477 | 2786598 | 3008941 | 3037366 | 0.9 | 9.0 |
| | (2689068) | (2409207) | (2704137) | (2742752) | (2.0) | (13.8) |
| 4.3 Advances against Fixed Deposits | 141101 | 123334 | 143518 | 142479 | 1.0 | 15.5 |
| 4.4 Advances to Individuals against share & bonds | 10080 | 9262 | 10488 | 9412 | -6.6 | 1.6 |
| 4.5 Credit Card Outstanding | 284366 | 267979 | 287172 | 290678 | 2.2 | 8.5 |
| 4.6 Education | 137456 | 121102 | 137454 | 138122 | 0.5 | 14.1 |
| 4.7 Vehicle Loans | 622794 | 586829 | 629691 | 637766 | 2.4 | 8.7 |
| 4.8 Loan against gold jewellery⁴ | 208735 | 116777 | 223034 | 251369 | 20.4 | 115.3 |
| 4.9 Other Personal Loans | 1513889 | 1420073 | 1517316 | 1531082 | 1.1 | 7.8 |
| | (1493525) | (1396233) | (1497721) | (1511895) | (1.2) | (8.3) |
| 5. Priority Sector (Memo) | | | | | | |
| (i) Agriculture & Allied Activities⁵ | 2287804 | 2078112 | 2233685 | 2277560 | -0.4 | 9.6 |
| (ii) Micro & Small Enterprises⁶ | 2240503 | 2030754 | 2313293 | 2410013 | 7.6 | 18.7 |
| (iii) Medium Enterprises⁷ | 601451 | 502496 | 604299 | 610129 | 1.4 | 21.4 |
| (iv) Housing | 746651 | 762822 | 744228 | 750390 | 0.5 | -1.6 |
| | (665107) | (670883) | (663951) | (671007) | (0.9) | (0.0) |
| (v) Education Loans | 62825 | 61277 | 62637 | 63146 | 0.5 | 3.0 |
| (vi) Renewable Energy | 10325 | 5923 | 11979 | 12250 | 18.6 | 106.8 |
| (vii) Social Infrastructure | 1316 | 2674 | 1147 | 827 | -37.2 | -69.1 |
| (viii) Export Credit | 11688 | 11218 | 13086 | 12021 | 2.8 | 7.2 |
| (ix) Others | 47900 | 62047 | 48689 | 48675 | 1.6 | -21.6 |
| (x) Weaker Sections including net PSLC- SF/MF | 1820904 | 1670313 | 1789687 | 1832723 | 0.6 | 9.7 |
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.
(3) 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 Since May 2024, a bank has changed the classification of a category of agricultural loan into “Loans against gold jewellery” under retail segment.
5 “Agriculture and Allied Activities” under the priority sector also include priority sector lending certificates (PSLCs).
6 “Micro and Small Enterprises” under the priority sector include credit to micro and small enterprises in industry and services sectors and also include PSLCs.
7 “Medium Enterprises” under the priority sector include credit to medium enterprises in industry and services sectors. |