(in per cent) |
Occupation |
State Bank of India
and its Associates |
Nationalised Banks |
Foreign
Banks |
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
Weighted Average Lending Rate |
|
|
|
|
|
|
|
|
|
|
|
|
|
I. Agriculture |
11.50 |
11.42 |
11.64 |
11.64 |
13.50 |
12.74 |
1. Direct Finance |
11.57 |
11.60 |
11.19 |
11.41 |
14.19 |
12.24 |
2. Indirect Finance |
11.31 |
11.09 |
12.05 |
11.92 |
11.81 |
13.05 |
|
|
|
|
|
|
|
II. Industry |
12.10 |
12.06 |
12.43 |
12.57 |
12.77 |
12.31 |
1. Mining & Quarrying |
12.45 |
12.13 |
11.79 |
12.89 |
11.94 |
11.04 |
2. Manufacturing & Processing |
12.09 |
12.06 |
12.41 |
12.54 |
12.81 |
12.27 |
3. Electricity, Gas & Water |
12.02 |
11.95 |
12.59 |
12.32 |
12.62 |
13.06 |
4. Construction |
12.06 |
12.08 |
12.53 |
12.73 |
12.43 |
12.62 |
|
|
|
|
|
|
|
III. Transport Operators |
12.22 |
12.67 |
12.78 |
12.72 |
13.27 |
13.06 |
|
|
|
|
|
|
|
IV. Professional and Other Services |
11.76 |
11.97 |
12.18 |
12.59 |
12.76 |
12.93 |
|
|
|
|
|
|
|
V. Personal Loans |
10.48 |
10.98 |
10.38 |
11.09 |
13.47 |
14.17 |
1. Loans for Purchase of Consumer Durables |
14.14 |
14.64 |
13.89 |
14.08 |
15.75 |
18.29 |
2. Loans for Housing |
8.92 |
9.73 |
9.24 |
10.10 |
9.75 |
10.97 |
3. Rest of the Personal Loans |
13.61 |
13.41 |
13.38 |
13.29 |
17.56 |
17.28 |
|
|
|
|
|
|
|
VI. Trade |
10.82 |
12.04 |
11.34 |
12.36 |
13.12 |
13.66 |
1. Wholesale Trade |
10.16 |
11.70 |
10.65 |
12.13 |
12.74 |
13.07 |
2. Retail Trade |
11.90 |
12.37 |
12.27 |
12.65 |
13.22 |
14.13 |
|
|
|
|
|
|
|
VII. Finance |
12.99 |
12.26 |
12.26 |
12.76 |
13.23 |
13.02 |
|
|
|
|
|
|
|
VIII. All Others |
11.67 |
12.09 |
11.74 |
12.52 |
13.80 |
13.40 |
|
|
|
|
|
|
|
Total Bank Credit |
11.64 |
11.82 |
11.89 |
12.33 |
13.03 |
13.05 |
|
|
|
|
|
|
|
Weighted Average Deposit Rate of Term Deposits |
7.74 |
8.49 |
8.02 |
8.56 |
9.03 |
8.03 |
Notes : 1. The data given here are based on the accounts with credit limit of over 2 lakhs.
2. The data are exclusive of Inland & Foreign Bills purchased and discounted.
3. Amount outstanding figures are used as weights for calculating average lending rates.
4. The deposit data corresponds to only term deposits.
5. The data for 2008 on average deposit rate are based on 65027 reporting branches out of 70207 total branches having term deposits.
6. Mid-points of the interest rate range were taken as values and total deposit amount in the range as weights.
Source : Basic Statistical Returns I & II, Department of Statistics and Information Management, RBI. |
TABLE 11.4 : BANK GROUP-WISE AND OCCUPATION-WISE WEIGHTED AVERAGE LENDING RATE AND DEPOSIT RATE - 2007 AND 2008 (Concld.) |
(in per cent) |
Occupation |
Regional Rural Banks |
Other Scheduled Commercial Banks |
All Scheduled Commercial Banks |
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
(7) |
(8) |
(9) |
(10) |
(11) |
(12) |
Weighted Average Lending Rate |
|
|
|
|
|
|
I. Agriculture |
11.71 |
12.12 |
12.01 |
12.45 |
11.72 |
11.77 |
1. Direct Finance |
11.70 |
12.12 |
12.31 |
12.70 |
11.60 |
11.80 |
2. Indirect Finance |
11.87 |
12.06 |
11.56 |
11.79 |
11.88 |
11.71 |
|
|
|
|
|
|
|
II. Industry |
11.70 |
12.23 |
12.37 |
12.71 |
12.36 |
12.44 |
1. Mining & Quarrying |
12.84 |
13.25 |
12.98 |
12.51 |
12.18 |
12.60 |
2. Manufacturing & Processing |
12.01 |
12.70 |
12.33 |
12.70 |
12.33 |
12.40 |
3. Electricity, Gas & Water |
12.61 |
12.59 |
13.57 |
12.81 |
12.64 |
12.31 |
4. Construction |
11.25 |
11.57 |
11.90 |
12.73 |
12.33 |
12.60 |
|
|
|
|
|
|
|
III. Transport Operators |
12.44 |
12.83 |
12.18 |
11.78 |
12.49 |
12.29 |
|
|
|
|
|
|
|
IV. Professional and Other Services |
12.08 |
12.47 |
12.51 |
12.85 |
12.26 |
12.59 |
|
|
|
|
|
|
|
V. Personal Loans |
11.36 |
11.85 |
11.05 |
12.75 |
10.87 |
11.95 |
1. Loans for Purchase of Consumer Durables |
13.86 |
13.31 |
14.24 |
14.68 |
14.36 |
16.73 |
2. Loans for Housing |
10.23 |
10.69 |
8.68 |
11.45 |
9.01 |
10.54 |
3. Rest of the Personal Loans |
13.44 |
13.48 |
14.95 |
14.59 |
14.47 |
14.28 |
|
|
|
|
|
|
|
VI. Trade |
12.00 |
12.83 |
12.18 |
12.82 |
11.54 |
12.45 |
1. Wholesale Trade |
12.51 |
12.74 |
11.92 |
12.46 |
10.77 |
12.13 |
2. Retail Trade |
11.85 |
12.85 |
12.36 |
13.08 |
12.37 |
12.78 |
|
|
|
|
|
|
|
VII. Finance |
11.16 |
11.85 |
12.92 |
12.78 |
12.56 |
12.69 |
|
|
|
|
|
|
|
VIII. All Others |
11.63 |
12.23 |
12.03 |
12.66 |
11.87 |
12.59 |
|
|
|
|
|
|
|
Total Bank Credit |
11.70 |
12.18 |
11.91 |
12.68 |
11.92 |
12.34 |
|
|
|
|
|
|
|
Weighted Average Deposit Rate of Term Deposits |
7.51 |
8.19 |
8.98 |
9.31 |
8.22 |
8.71 |
Notes : 1. The data given here are based on the accounts with credit limit of over 2 lakhs.
2. The data are exclusive of Inland & Foreign Bills purchased and discounted.
3. Amount outstanding figures are used as weights for calculating average lending rates.
4. The deposit data corresponds to only term deposits.
5. The data for 2008 on average deposit rate are based on 65027 reporting branches out of 70207 total branches having term deposits.
6. Mid-points of the interest rate range were taken as values and total deposit amount in the range as weights.
Source : Basic Statistical Returns I & II, Department of Statistics and Information Management, RBI. |