| (₹ Crore) |
| Sector | Outstanding as on | Growth(%) |
| Mar. 21, 2025 | 2024 | 2025 | Financial year so far | Y-o-Y |
| Jun. 28 | May 30 | Jun. 27 | 2025-26 | 2025 |
| 1 | 2 | 3 | 4 | % | % |
| I. Bank Credit (II + III) | 18243936 | 16880782 | 18287597 | 18483098 | 1.3 | 9.5 |
| | (17822569) | (16385798) | (17888624) | (18088612) | (1.5) | (10.4) |
| II. Food Credit | 36531 | 33904 | 70581 | 64389 | 76.3 | 89.9 |
| III. Non-food Credit | 18207404 | 16846879 | 18217016 | 18418709 | 1.2 | 9.3 |
| | (17786038) | (16351894) | (17818043) | (18024223) | (1.3) | (10.2) |
| 1. Agriculture & Allied Activities | 2287071 | 2159559 | 2298815 | 2305993 | 0.8 | 6.8 |
| 2. Industry (Micro and Small, Medium and Large) | 3937149 | 3728156 | 3881567 | 3932773 | -0.1 | 5.5 |
| | (3925089) | (3712270) | (3869110) | (3917824) | (-0.2) | (5.5) |
| 2.1 Micro and Small | 791721 | 731625 | 837079 | 872577 | 10.2 | 19.3 |
| 2.2 Medium | 360475 | 316322 | 365914 | 357618 | -0.8 | 13.1 |
| 2.3 Large | 2784953 | 2680209 | 2678574 | 2702578 | -3.0 | 0.8 |
| 3. Services | 5161462 | 4707069 | 5090833 | 5130831 | -0.6 | 9.0 |
| | (5094021) | (4616040) | (5018221) | (5060940) | (-0.6) | (9.6) |
| 3.1 Transport Operators | 258409 | 242193 | 263377 | 256635 | -0.7 | 6.0 |
| 3.2 Computer Software | 32915 | 26677 | 33981 | 36232 | 10.1 | 35.8 |
| 3.3 Tourism, Hotels & Restaurants | 83091 | 78351 | 85206 | 84781 | 2.0 | 8.2 |
| 3.4 Shipping | 7305 | 7019 | 7793 | 8042 | 10.1 | 14.6 |
| 3.5 Aviation | 46026 | 45360 | 46326 | 50750 | 10.3 | 11.9 |
| 3.6 Professional Services | 195956 | 172138 | 196476 | 196406 | 0.2 | 14.1 |
| 3.7 Trade | 1186787 | 1059459 | 1167392 | 1174129 | -1.1 | 10.8 |
| 3.7.1. Wholesale Trade¹ | 648619 | 557604 | 634298 | 629888 | -2.9 | 13.0 |
| 3.7.2 Retail Trade | 538168 | 501856 | 533094 | 544241 | 1.1 | 8.4 |
| 3.8 Commercial Real Estate | 532757 | 483297 | 549874 | 555519 | 4.3 | 14.9 |
| | (488689) | (421756) | (505800) | (513412) | (5.1) | (21.7) |
| 3.9 Non-Banking Financial Companies (NBFCs)² of which, | 1636098 | 1555496 | 1562646 | 1596490 | -2.4 | 2.6 |
| 3.9.1 Housing Finance Companies (HFCs) | 323146 | 328232 | 308740 | 331346 | 2.5 | 0.9 |
| 3.9.2 Public Financial Institutions (PFIs) | 228678 | 197127 | 207146 | 211702 | -7.4 | 7.4 |
| 3.10 Other Services³ | 1182118 | 1037078 | 1177763 | 1171848 | -0.9 | 13.0 |
| | (1166422) | (1018174) | (1157271) | (1152057) | (-1.2) | (13.1) |
| 4. Personal Loans | 5952299 | 5486107 | 6061987 | 6150295 | 3.3 | 12.1 |
| | (5610478) | (5091342) | (5748146) | (5840710) | (4.1) | (14.7) |
| 4.1 Consumer Durables | 23402 | 24123 | 23715 | 23376 | -0.1 | -3.1 |
| 4.2 Housing | 3010477 | 2798568 | 3037366 | 3067120 | 1.9 | 9.6 |
| | (2689068) | (2427447) | (2742752) | (2776336) | (3.2) | (14.4) |
| 4.3 Advances against Fixed Deposits | 141101 | 126533 | 142479 | 145540 | 3.1 | 15.0 |
| 4.4 Advances to Individuals against share & bonds | 10080 | 9357 | 9412 | 9886 | -1.9 | 5.7 |
| 4.5 Credit Card Outstanding | 284366 | 273044 | 290678 | 292602 | 2.9 | 7.2 |
| 4.6 Education | 137456 | 121990 | 138122 | 139587 | 1.6 | 14.4 |
| 4.7 Vehicle Loans | 622794 | 588575 | 637766 | 652285 | 4.7 | 10.8 |
| 4.8 Loan against gold jewellery⁴ | 208735 | 123776 | 251369 | 277025 | 32.7 | 123.8 |
| 4.9 Other Personal Loans | 1513889 | 1420142 | 1531082 | 1542875 | 1.9 | 8.6 |
| | (1493525) | (1396591) | (1511895) | (1524110) | (2.0) | (9.1) |
| 5. Priority Sector (Memo) | | | | | | |
| (i) Agriculture & Allied Activities⁵ | 2287804 | 2186829 | 2277560 | 2274259 | -0.6 | 4.0 |
| (ii) Micro & Small Enterprises⁶ | 2240503 | 2020474 | 2410013 | 2460012 | 9.8 | 21.8 |
| (iii) Medium Enterprises⁷ | 601451 | 511467 | 610129 | 591992 | -1.6 | 15.7 |
| (iv) Housing | 746651 | 752911 | 750390 | 856626 | 14.7 | 13.8 |
| | (665107) | (661668) | (671007) | (776086) | (16.7) | (17.3) |
| (v) Education Loans | 62825 | 61269 | 63146 | 64355 | 2.4 | 5.0 |
| (vi) Renewable Energy | 10325 | 6279 | 12250 | 12563 | 21.7 | 100.1 |
| (vii) Social Infrastructure | 1316 | 2949 | 827 | 828 | -37.1 | -71.9 |
| (viii) Export Credit | 12361 | 11721 | 12021 | 13047 | 5.5 | 11.3 |
| (ix) Others | 47900 | 60871 | 48675 | 46467 | -3.0 | -23.7 |
| (x) Weaker Sections including net PSLC- SF/MF | 1820904 | 1716930 | 1832723 | 1825579 | 0.3 | 6.3 |
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. |