(in per cent) |
Occupation |
State Banks of India and its Associates |
Nationalised Banks |
Public Sector Banks |
2010 |
2011 |
2010 |
2011 |
2010 |
2011 |
| |
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
I. Agriculture |
10.16 |
11.05 |
9.66 |
11.09 |
9.79 |
11.08 |
1. Direct Finance |
10.94 |
11.39 |
10.34 |
11.35 |
10.53 |
11.36 |
2. Indirect Finance |
8.31 |
9.80 |
8.86 |
10.54 |
8.75 |
10.41 |
II. Industry |
10.43 |
11.75 |
10.54 |
11.81 |
10.51 |
11.79 |
1. Mining & Quarrying |
9.95 |
10.45 |
9.83 |
11.17 |
9.87 |
10.94 |
2. Manufacturing & Processing |
10.34 |
11.91 |
10.77 |
12.17 |
10.61 |
12.08 |
3. Electricity, Gas & Water |
10.27 |
11.00 |
9.60 |
10.81 |
9.69 |
10.84 |
4. Construction |
11.05 |
11.68 |
10.76 |
11.74 |
10.83 |
11.73 |
III. Transport Operators |
10.71 |
11.60 |
11.52 |
11.60 |
11.34 |
11.60 |
IV. Professional and Other Services |
11.69 |
12.39 |
11.33 |
12.44 |
11.39 |
12.43 |
V. Personal Loans |
9.47 |
10.06 |
9.97 |
10.70 |
9.74 |
10.41 |
1. Loans for Purchase of Consumer Durables |
8.82 |
12.32 |
11.44 |
11.44 |
10.57 |
11.45 |
2. Loans for Housing |
8.89 |
9.39 |
9.55 |
10.16 |
9.25 |
9.79 |
3. Rest of the Personal Loans |
10.63 |
11.23 |
10.97 |
11.53 |
10.80 |
11.41 |
VI. Trade |
11.15 |
12.12 |
11.23 |
12.40 |
11.21 |
12.32 |
1. Wholesale Trade |
10.65 |
11.50 |
10.82 |
11.90 |
10.76 |
11.78 |
2. Retail Trade |
11.73 |
12.88 |
11.64 |
12.89 |
11.67 |
12.89 |
VII. Finance |
7.99 |
10.01 |
8.39 |
9.88 |
8.34 |
9.90 |
VIII. All Others |
9.93 |
11.52 |
10.62 |
11.02 |
10.60 |
11.03 |
Total Bank Credit |
10.25 |
11.31 |
10.38 |
11.49 |
10.34 |
11.44 |
Weighted Average Deposit Rate of Term Deposits |
7.37 |
8.16 |
7.03 |
8.23 |
7.11 |
8.24 |
Notes: 1. The deposit data corresponds to only term deposits.
2. The data on average deposit rate are based on 77,710 reporting branches out of 84,825 total branches having term deposits.
3. Mid-points of the interest rate range were taken as values and total deposit amount in the range as weights.
4. The credit data pertains to accounts with credit limit over ` 0.2 million.
5. The credit data are exclusive of foreign and inland bills purchased and discounted.
6. The amount outstanding has been taken as weight for calculating average lending rates.
7. Group 'New Private Sector Banks' comprises Axis, HDFC, Development Credit, ICICI, Indusind, Kotak Mahindra and Yes Bank. |
TABLE 11.4 BANK GROUP-WISE AND OCCUPATION-WISE WEIGHTED AVERAGE LENDING RATE AND DEPOSIT RATE - 2010 AND 2011 (Contd.) |
(in per cent) |
Occupation |
New Private
Sector Banks |
Old Private
Sector Banks |
Private Sector
Banks |
2010 |
2011 |
2010 |
2011 |
2010 |
2011 |
| |
(7) |
(8) |
(9) |
(10) |
(11) |
(12) |
I. Agriculture |
10.39 |
10.90 |
10.48 |
11.85 |
10.41 |
11.09 |
1. Direct Finance |
10.44 |
11.08 |
11.23 |
11.94 |
10.57 |
11.23 |
2. Indirect Finance |
10.22 |
10.12 |
9.58 |
11.64 |
10.00 |
10.52 |
II. Industry |
10.67 |
11.25 |
11.33 |
12.35 |
10.89 |
11.59 |
1. Mining & Quarrying |
11.25 |
11.26 |
10.81 |
11.84 |
11.15 |
11.36 |
2. Manufacturing & Processing |
10.18 |
10.83 |
11.62 |
12.68 |
10.62 |
11.41 |
3. Electricity, Gas & Water |
11.12 |
11.50 |
9.75 |
10.94 |
10.55 |
11.35 |
4. Construction |
11.64 |
12.06 |
11.26 |
11.99 |
11.50 |
12.04 |
III. Transport Operators |
12.30 |
11.70 |
11.23 |
12.33 |
12.12 |
11.79 |
IV. Professional and Other Services |
11.39 |
11.50 |
12.11 |
12.82 |
11.60 |
11.77 |
V. Personal Loans |
12.32 |
12.24 |
11.05 |
11.88 |
12.08 |
12.16 |
1. Loans for Purchase of Consumer Durables |
10.96 |
13.92 |
13.38 |
13.14 |
13.36 |
12.55 |
2. Loans for Housing |
10.71 |
10.99 |
10.58 |
11.88 |
10.68 |
11.19 |
3. Rest of the Personal Loans |
14.56 |
13.78 |
11.92 |
11.80 |
14.19 |
13.42 |
VI. Trade |
11.15 |
11.70 |
12.49 |
13.12 |
11.62 |
12.39 |
1. Wholesale Trade |
11.16 |
11.39 |
12.07 |
12.80 |
11.53 |
12.09 |
2. Retail Trade |
11.14 |
11.98 |
12.79 |
13.45 |
11.67 |
12.69 |
VII. Finance |
8.55 |
9.33 |
9.55 |
11.02 |
8.73 |
9.68 |
VIII. All Others |
11.00 |
11.28 |
12.62 |
12.35 |
11.14 |
11.36 |
Total Bank Credit |
11.02 |
11.30 |
11.39 |
12.29 |
11.12 |
11.54 |
Weighted Average Deposit Rate of Term Deposits |
6.42 |
8.54 |
7.59 |
8.60 |
6.84 |
8.56 |
Notes: 1. The deposit data corresponds to only term deposits.
2. The data on average deposit rate are based on 77,710 reporting branches out of 84,825 total branches having term deposits.
3. Mid-points of the interest rate range were taken as values and total deposit amount in the range as weights.
4. The credit data pertains to accounts with credit limit over ` 0.2 million.
5. The credit data are exclusive of foreign and inland bills purchased and discounted.
6. The amount outstanding has been taken as weight for calculating average lending rates.
7. Group 'New Private Sector Banks' comprises Axis, HDFC, Development Credit, ICICI, Indusind, Kotak Mahindra and Yes Bank. |
TABLE 11.4 BANK GROUP-WISE AND OCCUPATION-WISE WEIGHTED AVERAGE LENDING RATE AND DEPOSIT RATE - 2010 AND 2011 (Concld.) |
(in per cent) |
Occupation |
Foreign Banks |
Regional Rural Banks |
All Scheduled Commercial Banks |
2010 |
2011 |
2010 |
2011 |
2010 |
2011 |
| |
(13) |
(14) |
(15) |
(16) |
(17) |
(18) |
I. Agriculture |
10.72 |
10.36 |
11.88 |
11.87 |
9.99 |
11.11 |
1. Direct Finance |
12.85 |
9.48 |
11.88 |
11.88 |
10.63 |
11.36 |
2. Indirect Finance |
9.37 |
10.73 |
11.88 |
11.69 |
8.97 |
10.44 |
II. Industry |
9.50 |
9.96 |
12.32 |
12.25 |
10.52 |
11.68 |
1. Mining & Quarrying |
8.95 |
10.41 |
12.93 |
12.70 |
9.96 |
10.98 |
2. Manufacturing & Processing |
9.32 |
9.85 |
12.61 |
12.52 |
10.54 |
11.85 |
3. Electricity, Gas & Water |
8.03 |
10.01 |
10.74 |
11.98 |
9.75 |
10.88 |
4. Construction |
11.46 |
10.54 |
12.10 |
11.93 |
10.98 |
11.75 |
III. Transport Operators |
11.72 |
10.09 |
12.38 |
12.55 |
11.60 |
11.64 |
IV. Professional and Other Services |
11.06 |
11.03 |
12.77 |
12.60 |
11.41 |
12.18 |
V. Personal Loans |
14.56 |
14.69 |
11.21 |
11.60 |
10.60 |
11.09 |
1. Loans for Purchase of Consumer Durables |
8.85 |
8.98 |
12.20 |
12.85 |
11.62 |
11.93 |
2. Loans for Housing |
11.42 |
12.13 |
10.54 |
10.94 |
9.70 |
10.27 |
3. Rest of the Personal Loans |
20.08 |
20.39 |
11.93 |
12.29 |
12.36 |
12.36 |
VI. Trade |
11.87 |
10.48 |
12.83 |
12.64 |
11.34 |
12.26 |
1. Wholesale Trade |
11.77 |
9.24 |
12.76 |
12.58 |
10.94 |
11.71 |
2. Retail Trade |
11.95 |
12.18 |
12.84 |
12.65 |
11.70 |
12.82 |
VII. Finance |
9.16 |
8.97 |
12.60 |
11.56 |
8.48 |
9.80 |
VIII. All Others |
12.82 |
10.77 |
11.16 |
10.87 |
10.88 |
11.14 |
Total Bank Credit |
11.05 |
10.93 |
11.90 |
11.86 |
10.53 |
11.44 |
Weighted Average Deposit Rate of Term Deposits |
4.40 |
7.30 |
7.98 |
8.42 |
6.97 |
8.29 |
Notes: 1. The deposit data corresponds to only term deposits.
2. The data on average deposit rate are based on 77,710 reporting branches out of 84,825 total branches having term deposits.
3. Mid-points of the interest rate range were taken as values and total deposit amount in the range as weights.
4. The credit data pertains to accounts with credit limit over ` 0.2 million.
5. The credit data are exclusive of foreign and inland bills purchased and discounted.
6. The amount outstanding has been taken as weight for calculating average lending rates.
7. Group 'New Private Sector Banks' comprises Axis, HDFC, Development Credit, ICICI, Indusind, Kotak Mahindra and Yes Bank. |
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