| (End-March) | | (Amount in ₹ billion) | | Items | 2016 | 2017 | Share in 2017
(Per cent) | Percentage variation | | 1 | 2 | 3 | 4 | 5 | | I. Gross advances | 13,169 | 14,846 | 100 | 12.7 | | II. Non-food credit (1 to 5) | 13,167 | 14,846 | 100 | 12.8 | | 1. Agriculture and allied activities | 392 | 346 | 2.3 | -11.7 | | 2. Industry | 8,063 | 8,940 | 60.2 | 10.9 | | 2.1 Micro and small | 326 | 508 | 3.4 | 55.8 | | 2.2 Medium | 154 | 172 | 1.2 | 11.7 | | 2.3 Large | 3,726 | 4,375 | 29.5 | 17.4 | | 2.4 Others | 3,857 | 3,885 | 26.2 | 0.7 | | 3. Services | 1,865 | 2,224 | 15.0 | 19.2 | | 3.1 Transport operators | 162 | 173 | 1.2 | 6.8 | | 3.2 Computer software | 11 | 6 | 0 | -45.5 | | 3.3 Tourism, hotel and restaurants | 49 | 60 | 0.4 | 22.4 | | 3.4 Shipping | 11 | 7 | 0.1 | -36.4 | | 3.5 Professional services | 47 | 71 | 0.5 | 51.1 | | 3.6 Trade | 279 | 230 | 1.6 | -17.6 | | 3.6.1 Wholesale trade (other than food procurement) | 99 | 60 | 0.4 | -39.4 | | 3.6.2 Retail trade | 180 | 170 | 1.1 | -5.6 | | 3.7 Commercial real estate | 566 | 958 | 6.5 | 69.3 | | 3.8 NBFCs | 208 | 198 | 1.3 | -4.8 | | 3.9 Aviation | 5 | 6 | 0 | 20.0 | | 3.10 Other services | 526 | 514 | 3.5 | -2.3 | | 4. Retail loans | 2,047 | 2,490 | 16.8 | 21.6 | | 4.1 Housing loans (incl. priority sector housing) | 147 | 106 | 0.7 | -27.9 | | 4.2 Consumer durables | 31 | 57 | 0.4 | 83.9 | | 4.3 Credit card receivables | 92 | 138 | 0.9 | 50.0 | | 4.4 Vehicle / auto loans | 1,150 | 1,035 | 7.0 | -10.0 | | 4.5 Education loans | 32 | 44 | 0.3 | 37.5 | | 4.6 Advances against fixed deposits (incl. FCNR (B), etc.) | 1 | 2 | 0 | 100.0 | | 4.7 Advances to individuals against shares, bonds, etc. | 78 | 124 | 0.8 | 59.0 | | 4.8 Other retail loans | 516 | 984 | 6.6 | 90.7 | | 5. Other non-food credit | 801 | 847 | 5.7 | 5.7 | Notes: 1) This format of reporting of credit to various sectors was introduced from March 31, 2016. Hence, the comparable data for previous years are not available.
2) Food credit in 2015-16 was approximately ₹ 1 billion and nil in 2016-17.
Source: RBI Supervisory Returns. | |