| (Amount in ₹ crore) | | Items | End-March 2020 | End-March 2021 | End-March 2022 | End-September 2022 | Percentage variation 2021-22 | | 1 | 2 | 3 | 4 | 5 | 6 | | I. Gross Advances (II + III) | 24,63,943 | 27,02,618 | 29,08,743 | 29,37,051 | 7.6 | | II. Food Credit | 75 | - | - | 1,752 | - | | III. Non-Food Credit (1 to 5) | 24,63,868 | 27,02,618 | 29,08,743 | 29,35,299 | 7.6 | | 1. Agriculture and Allied Activities | 34,448 | 37,728 | 50,422 | 46,464 | 33.6 | | 2. Industry (2.1 to 2.4) | 9,58,468 | 10,60,411 | 11,12,852 | 11,15,749 | 4.9 | | 2.1 Micro and Small | 36,441 | 44,235 | 46,967 | 49,966 | 6.2 | | 2.2 Medium | 14,077 | 14,910 | 17,186 | 15,103 | 15.3 | | 2.3 Large | 7,95,188 | 8,54,546 | 8,94,102 | 8,99,619 | 4.6 | | 2.4 Others, if any, Please specify | 1,12,762 | 1,46,720 | 1,54,598 | 1,51,061 | 5.4 | | 3. Services (3.1 to 3.10) | 3,48,901 | 3,30,758 | 4,02,935 | 3,81,485 | 21.8 | | 3.1 Transport Operators | 63,963 | 65,313 | 1,02,742 | 90,059 | 57.3 | | 3.2 Computer Software | 1,391 | 1,706 | 1,659 | 1,462 | -2.7 | | 3.3 Tourism, Hotel and Restaurants | 7,035 | 8,453 | 7,673 | 7,177 | -9.2 | | 3.4 Shipping | 165 | 140 | 172 | 167 | 22.9 | | 3.5 Professional Services | 14,664 | 16,396 | 20,749 | 21,592 | 26.5 | | 3.6 Trade | 33,864 | 33,594 | 49,928 | 54,951 | 48.6 | | 3.6.1 Wholesale Trade (other than Food Procurement) | 7,142 | 6,875 | 9,538 | 9,885 | 38.7 | | 3.6.2 Retail Trade | 26,722 | 26,719 | 40,390 | 45,066 | 51.2 | | 3.7 Commercial Real Estate | 1,01,454 | 80,480 | 88,123 | 79,754 | 9.5 | | 3.8 NBFCs | 26,647 | 28,671 | 34,292 | 32,757 | 19.6 | | 3.9 Aviation | 801 | 948 | 1,143 | 1,301 | 20.5 | | 3.10 Other Services | 98,917 | 95,058 | 96,455 | 92,265 | 1.5 | | 4. Retail Loans (4.1 to 4.10) | 7,34,795 | 7,90,073 | 8,29,485 | 8,79,571 | 5.0 | | 4.1 Housing Loans (incl. priority sector Housing) | 14,071 | 21,484 | 23,329 | 24,680 | 8.6 | | 4.2 Consumer Durables | 19,171 | 18,519 | 24,802 | 27,464 | 33.9 | | 4.3 Credit Card Receivables | 24,606 | 25,991 | 32,710 | 40,166 | 25.8 | | 4.4 Vehicle/Auto Loans | 3,32,449 | 3,57,338 | 3,34,947 | 3,54,966 | -6.3 | | 4.5 Education Loans | 9,049 | 9,277 | 14,264 | 7,879 | 53.8 | | 4.6 Advances against Fixed Deposits (incl. FCNR(B), etc.) | 44 | 31 | 42 | 213 | 36.2 | | 4.7 Advances to Individuals against Shares, Bonds, etc. | 7,940 | 8,298 | 12,998 | 13,398 | 56.6 | | 4.8 Advances to Individuals against Gold | 75,451 | 1,12,899 | 1,18,918 | 1,18,723 | 5.3 | | 4.9 Micro finance loan/SHG Loan | 45,107 | 59,635 | 74,826 | 77,567 | 25.5 | | 4.10 Other Retail Loans | 2,06,907 | 1,76,600 | 1,92,648 | 2,14,513 | 9.1 | | 5. Other Non-food Credit | 3,87,256 | 4,83,648 | 5,13,050 | 5,12,031 | 6.1 | Notes: 1. Data are provisional.
2. Percentage figures are rounded-off to one decimal place.
3. Excluding CICs and PDs.
Source: Quarterly returns of NBFCs, RBI. | |