(Per cent) |
Occupation |
State Bank of India
& its Associates |
Nationalised
Banks $ |
Public Sector Banks |
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
Weighted Average Lending Rate |
|
|
|
|
|
|
I. Agriculture |
11.00 |
10.16 |
10.82 |
9.66 |
10.87 |
9.79 |
1. Direct Finance |
11.48 |
10.94 |
11.11 |
10.34 |
11.24 |
10.53 |
2. Indirect Finance |
9.81 |
8.31 |
10.47 |
8.86 |
10.34 |
8.75 |
II. Industry |
11.17 |
10.43 |
11.10 |
10.54 |
11.13 |
10.51 |
1. Mining & Quarrying |
10.16 |
9.95 |
10.37 |
9.83 |
10.28 |
9.87 |
2. Manufacturing & Processing |
11.18 |
10.34 |
11.23 |
10.77 |
11.21 |
10.61 |
3. Electricity, Gas & Water |
10.65 |
10.27 |
10.53 |
9.60 |
10.55 |
9.69 |
4. Construction |
11.54 |
11.05 |
11.16 |
10.76 |
11.27 |
10.83 |
III. Transport Operators |
11.20 |
10.71 |
12.09 |
11.52 |
11.82 |
11.34 |
IV. Professional and Other Services |
12.05 |
11.69 |
12.14 |
11.33 |
12.13 |
11.39 |
V. Personal Loans |
10.16 |
9.47 |
10.50 |
9.97 |
10.36 |
9.74 |
1. Loans for Purchase of Consumer Durables |
11.32 |
8.82 |
11.65 |
11.44 |
11.55 |
10.57 |
2. Loans for Housing |
9.63 |
8.89 |
10.13 |
9.55 |
9.93 |
9.25 |
3. Rest of the Personal Loans |
11.10 |
10.63 |
11.45 |
10.97 |
11.27 |
10.80 |
VI. Trade |
11.95 |
11.15 |
11.37 |
11.23 |
11.53 |
11.21 |
1. Wholesale Trade |
11.70 |
10.65 |
11.16 |
10.82 |
11.32 |
10.76 |
2. Retail Trade |
12.25 |
11.73 |
11.57 |
11.64 |
11.75 |
11.67 |
VII. Finance |
9.77 |
7.99 |
10.18 |
8.39 |
10.13 |
8.34 |
VIII. All Others |
11.60 |
9.93 |
11.38 |
10.62 |
11.39 |
10.60 |
Total Bank Credit |
11.05 |
10.25 |
11.09 |
10.38 |
11.08 |
10.34 |
Weighted Average Deposit Rate of Term Deposits |
8.97 |
7.37 |
8.68 |
7.03 |
8.76 |
7.11 |
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 on average deposit rate for 2009 are based on 61490 reporting branches out of 78385 total branches & that for 2010 based on 74627 reporting branches out of 82620 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.
7. Group 'New private Sector Banks' contains Axis, HDFC, Developments Credit, ICICI, Indusind, Kotak Mahindra and Yes Bank.
8. Data is Provisonal.
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 - 2009 AND 2010 (Contd.) |
(Per cent) |
Occupation |
New Private
Sector Banks |
Old Private
Sector Banks |
Private Sector
Banks |
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
(7) |
(8) |
(9) |
(10) |
(11) |
(12) |
Weighted Average Lending Rate |
|
|
|
|
|
|
I. Agriculture |
10.91 |
10.39 |
12.24 |
10.48 |
11.21 |
10.41 |
1. Direct Finance |
10.76 |
10.44 |
13.09 |
11.23 |
11.21 |
10.57 |
2. Indirect Finance |
11.16 |
10.22 |
11.35 |
9.58 |
11.22 |
10.00 |
II. Industry |
12.23 |
10.67 |
12.55 |
11.33 |
12.33 |
10.89 |
1. Mining & Quarrying |
11.85 |
11.25 |
11.42 |
10.81 |
11.75 |
11.15 |
2. Manufacturing & Processing |
11.92 |
10.18 |
12.83 |
11.62 |
12.17 |
10.62 |
3. Electricity, Gas & Water |
11.84 |
11.12 |
11.03 |
9.75 |
11.52 |
10.55 |
4. Construction |
13.50 |
11.64 |
12.52 |
11.26 |
13.13 |
11.50 |
III. Transport Operators |
13.59 |
12.30 |
11.67 |
11.23 |
13.27 |
12.12 |
IV. Professional and Other Services |
12.43 |
11.39 |
12.71 |
12.11 |
12.51 |
11.60 |
V. Personal Loans |
13.21 |
12.32 |
11.74 |
11.05 |
13.05 |
12.08 |
1. Loans for Purchase of Consumer Durables |
13.26 |
10.96 |
12.52 |
13.38 |
12.87 |
13.36 |
2. Loans for Housing |
12.16 |
10.71 |
11.17 |
10.58 |
12.04 |
10.68 |
3. Rest of the Personal Loans |
14.58 |
14.56 |
12.65 |
11.92 |
14.41 |
14.19 |
VI. Trade |
12.95 |
11.15 |
13.52 |
12.49 |
13.23 |
11.62 |
1. Wholesale Trade |
12.82 |
11.16 |
12.92 |
12.07 |
12.87 |
11.53 |
2. Retail Trade |
13.04 |
11.14 |
13.85 |
12.79 |
13.45 |
11.67 |
VII. Finance |
10.49 |
8.55 |
11.24 |
9.55 |
10.65 |
8.73 |
VIII. All Others |
12.70 |
11.00 |
12.58 |
12.62 |
12.67 |
11.14 |
Total Bank Credit |
12.48 |
11.02 |
12.49 |
11.39 |
12.48 |
11.12 |
Weighted Average Deposit Rate of Term Deposits |
9.57 |
6.42 |
9.40 |
7.59 |
9.52 |
6.84 |
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 on average deposit rate for 2009 are based on 61490 reporting branches out of 78385 total
branches & that for 2010 based on 74627 reporting branches out of 82620 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.
7. Group 'New private Sector Banks' contains Axis, HDFC, Developments Credit, ICICI, Indusind, Kotak Mahindra and Yes Bank.
8. Data is Provisonal.
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 - 2009 AND 2010 (Concld.) |
(Per cent) |
Occupation |
Foreign Banks |
Regional Rural
Banks |
All Scheduled
Commercial Banks |
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
(13) |
(14) |
(15) |
(16) |
(17) |
(18) |
Weighted Average Lending Rate |
|
|
|
|
|
|
I. Agriculture |
11.10 |
10.72 |
12.30 |
11.88 |
10.99 |
9.99 |
1. Direct Finance |
11.27 |
12.85 |
12.31 |
11.88 |
11.30 |
10.63 |
2. Indirect Finance |
11.03 |
9.37 |
12.23 |
11.88 |
10.53 |
8.97 |
II. Industry |
12.18 |
9.50 |
12.47 |
12.32 |
11.34 |
10.52 |
1. Mining & Quarrying |
9.71 |
8.95 |
13.18 |
12.93 |
10.48 |
9.96 |
2. Manufacturing & Processing |
11.97 |
9.32 |
12.78 |
12.61 |
11.39 |
10.54 |
3. Electricity, Gas & Water |
12.22 |
8.03 |
12.27 |
10.74 |
10.67 |
9.75 |
4. Construction |
14.38 |
11.46 |
12.09 |
12.10 |
11.66 |
10.98 |
III. Transport Operators |
11.59 |
11.72 |
13.03 |
12.38 |
12.29 |
11.60 |
IV. Professional and Other Services |
13.46 |
11.06 |
12.81 |
12.77 |
12.32 |
11.41 |
V. Personal Loans |
15.23 |
14.56 |
11.55 |
11.21 |
11.61 |
10.60 |
1. Loans for Purchase of Consumer Durables |
6.62 |
8.85 |
12.42 |
12.20 |
12.23 |
11.62 |
2. Loans for Housing |
12.43 |
11.42 |
10.84 |
10.54 |
10.73 |
9.70 |
3. Rest of the Personal Loans |
20.33 |
20.08 |
12.51 |
11.93 |
13.21 |
12.36 |
VI. Trade |
13.50 |
11.87 |
13.12 |
12.83 |
11.90 |
11.34 |
1. Wholesale Trade |
11.70 |
11.77 |
13.00 |
12.76 |
11.52 |
10.94 |
2. Retail Trade |
15.11 |
11.95 |
13.15 |
12.84 |
12.25 |
11.70 |
VII. Finance |
10.85 |
9.16 |
12.62 |
12.60 |
10.27 |
8.48 |
VIII. All Others |
13.63 |
12.82 |
12.38 |
11.16 |
11.86 |
10.88 |
Total Bank Credit |
13.14 |
11.05 |
12.29 |
11.90 |
11.47 |
10.53 |
Weighted Average Deposit Rate of Term Deposits |
6.90 |
4.40 |
8.72 |
7.98 |
8.84 |
6.97 |
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 on average deposit rate for 2009 are based on 61490 reporting branches out of 78385 total
branches & that for 2010 based on 74627 reporting branches out of 82620 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.
7. Group 'New private Sector Banks' contains Axis, HDFC, Developments Credit, ICICI, Indusind, Kotak Mahindra and Yes Bank.
8. Data is Provisonal.
Source : Basic Statistical Returns I & II, Department of Statistics and Information Management, RBI. |
|