| (₹ Crore) | | Sector | Outstanding as on | | Jul 26, 2024 | Aug 23, 2024 | Sep 20, 2024 | Oct 18, 2024 | Nov 29, 2024 | Dec 27, 2024 | | 1 | 2 | 3 | 4 | 5 | 6 | 7 | | Non-food credit | 16786602 | 16920802 | 17105445 | 17219596 | 17457917 | 17686734 | | | (16292966) | (16435470) | (16629037) | (16753951) | (17001903) | (17248192) | | 1 Agriculture and Allied Activities | 2156320 | 2160634 | 2167287 | 2205299 | 2223467 | 2239028 | | 2 Industry (Micro and Small, Medium and Large) | 3724547 | 3756194 | 3801604 | 3774252 | 3813094 | 3854429 | | | (3707719) | (3740619) | (3786279) | (3759186) | (3798411) | (3842044) | | 2.1 Micro and Small | 729948 | 743704 | 750825 | 749790 | 757300 | 771039 | | 2.2 Medium | 317323 | 324746 | 334412 | 335822 | 340525 | 348108 | | 2.3 Large | 2677277 | 2687743 | 2716366 | 2688640 | 2715269 | 2735282 | | 3 Services | 4623910 | 4643586 | 4736957 | 4784938 | 4853884 | 4962520 | | | (4538080) | (4559593) | (4654649) | (4704550) | (4775839) | (4888308) | | 3.1 Transport Operators | 244262 | 243486 | 245008 | 246407 | 249795 | 252966 | | 3.2 Computer Software | 27356 | 27990 | 29760 | 30581 | 31348 | 31582 | | 3.3 Tourism, Hotels and Restaurants | 79202 | 80570 | 78753 | 79732 | 79088 | 80218 | | 3.4 Shipping | 7076 | 7257 | 7166 | 7782 | 7521 | 7102 | | 3.5 Aviation | 44637 | 44837 | 44458 | 46168 | 46446 | 45979 | | 3.6 Professional Services | 171393 | 173738 | 177730 | 186251 | 184913 | 189578 | | 3.7 Trade | 1043753 | 1052621 | 1072493 | 1079498 | 1081553 | 1111227 | | 3.7.1 Wholesale Trade1 | 545170 | 553316 | 567242 | 571159 | 568471 | 584857 | | 3.7.2 Retail Trade | 498582 | 499305 | 505251 | 508339 | 513082 | 526370 | | 3.8 Commercial Real Estate | 484531 | 494809 | 497333 | 507671 | 514894 | 520913 | | | (426515) | (437854) | (441714) | (452869) | (461690) | (470949) | | 3.9 Non-Banking Financial Companies (NBFCs)2 of which, | 1528856 | 1522204 | 1529006 | 1536655 | 1575306 | 1621767 | | 3.9.1 Housing Finance Companies (HFCs) | 322052 | 322093 | 324354 | 321110 | 322240 | 319910 | | 3.9.2 Public Financial Institutions (PFIs) | 202991 | 196565 | 203257 | 198320 | 196793 | 218657 | | 3.10 Other Services3 | 992845 | 996074 | 1055250 | 1064193 | 1083020 | 1101188 | | | (974349) | (977918) | (1037408) | (1046715) | (1066187) | (1084711) | | 4 Personal Loans | 5507740 | 5555484 | 5596719 | 5647476 | 5734856 | 5794866 | | | (5117905) | (5170917) | (5219246) | (5278594) | (5372892) | (5442956) | | 4.1 Consumer Durables | 24606 | 24396 | 23764 | 23640 | 24698 | 24012 | | 4.2 Housing (Including Priority Sector Housing) | 2810108 | 2833166 | 2845505 | 2871845 | 2908672 | 2931739 | | | (2443529) | (2471488) | (2490574) | (2525138) | (2568430) | (2601206) | | 4.3 Advances against Fixed Deposits (Including FCNR(B), NRNR Deposits. etc) | 120373 | 121817 | 125694 | 127533 | 131221 | 140998 | | 4.4 Advances to Individuals against share, bonds, etc. | 9422 | 9722 | 9546 | 9060 | 8274 | 9791 | | 4.5 Credit Card Outstanding | 275601 | 276576 | 271813 | 281392 | 288997 | 291087 | | 4.6 Education | 123066 | 126148 | 129116 | 130309 | 131629 | 133140 | | 4.7 Vehicle Loans | 590981 | 595758 | 602367 | 601976 | 605587 | 613302 | | 4.8 Loan against gold jewellery4 | 132535 | 140391 | 147081 | 154282 | 164556 | 172581 | | 4.9 Other Personal Loans | 1421047 | 1427510 | 1441833 | 1447438 | 1471222 | 1478217 | | | (1397874) | (1404700) | (1419367) | (1425334) | (1449564) | (1456900) | | 5 Priority Sector (Memo) | - | - | - | - | - | - | | 5.1 Agriculture and Allied Activities5 | 2196939 | 2152535 | 2164159 | 2200460 | 2210312 | 2236648 | | 5.2 Micro and Small Enterprises6 | 1998597 | 2027278 | 2057867 | 2076956 | 2092196 | 2145252 | | 5.3 Medium Enterprises7 | 511874 | 529582 | 543388 | 557829 | 556186 | 575433 | | 5.4 Housing | 748840 | 749534 | 750223 | 752216 | 752576 | 751317 | | | (633763) | (661835) | (663719) | (665965) | (667694) | (667336) | | 5.5 Educational Loans | 61523 | 61988 | 62389 | 62673 | 62645 | 62993 | | 5.6 Renewable Energy | 7075 | 6844 | 6778 | 7122 | 7458 | 8034 | | 5.7 Social Infrastructure | 2937 | 1072 | 1124 | 1120 | 1095 | 999 | | 5.8 Export Credit | 12163 | 11530 | 11290 | 12094 | 12668 | 12352 | | 5.9 Others | 58548 | 60587 | 58561 | 58045 | 54682 | 55134 | | 5.10 Weaker Sections including net PSLC- SF/MF | 1743686 | 1692726 | 1711473 | 1742896 | 1734996 | 1748608 | | (Continued) |
| TABLE 167 : DEPLOYMENT OF BANK CREDIT BY MAJOR SECTORS (Concld.) | | (₹ Crore) | | Sector | Outstanding as on | | Jan 24, 2025 | Feb 21, 2025 | Mar 21, 2025 | Apr 18, 2025 | May 30, 2025 | Jun 27, 2025 | | 1 | 8 | 9 | 10 | 11 | 12 | 13 | | Non-food credit | 17818577 | 17942540 | 18207404 | 18154634 | 18217016 | 18418709 | | | (17376988) | (17509338) | (17786038) | (17742144) | (17818043) | (18024223) | | 1 Agriculture and Allied Activities | 2253510 | 2264312 | 2287071 | 2309631 | 2298815 | 2305993 | | 2 Industry (Micro and Small, Medium and Large) | 3874601 | 3875386 | 3937149 | 3895471 | 3881567 | 3932773 | | | (3862535) | (3863437) | (3925089) | (3883660) | (3869110) | (3917824) | | 2.1 Micro and Small | 778391 | 784802 | 791721 | 798669 | 837079 | 872577 | | 2.2 Medium | 345986 | 352907 | 360475 | 365378 | 365914 | 357618 | | 2.3 Large | 2750224 | 2737676 | 2784953 | 2731423 | 2678574 | 2702578 | | 3 Services | 5013597 | 5056929 | 5161462 | 5088547 | 5090833 | 5130831 | | | (4941743) | (4987504) | (5094021) | (5012374) | (5018221) | (5060940) | | 3.1 Transport Operators | 253917 | 257630 | 258409 | 260093 | 263377 | 256635 | | 3.2 Computer Software | 33729 | 33062 | 32915 | 33451 | 33981 | 36232 | | 3.3 Tourism, Hotels and Restaurants | 81478 | 82022 | 83091 | 84692 | 85206 | 84781 | | 3.4 Shipping | 7180 | 7411 | 7305 | 7778 | 7793 | 8042 | | 3.5 Aviation | 44788 | 45928 | 46026 | 46540 | 46326 | 50750 | | 3.6 Professional Services | 190859 | 192799 | 195956 | 194449 | 196476 | 196406 | | 3.7 Trade | 1131031 | 1157875 | 1186787 | 1163877 | 1167392 | 1174129 | | 3.7.1 Wholesale Trade1 | 612701 | 632612 | 648619 | 621874 | 634298 | 629888 | | 3.7.2 Retail Trade | 518330 | 525263 | 538168 | 542003 | 533094 | 544241 | | 3.8 Commercial Real Estate | 523535 | 526161 | 532757 | 549472 | 549874 | 555519 | | | (476106) | (481011) | (488689) | (503090) | (505800) | (513412) | | 3.9 Non-Banking Financial Companies (NBFCs)2 of which, | 1618650 | 1612332 | 1636098 | 1610587 | 1562646 | 1596490 | | 3.9.1 Housing Finance Companies (HFCs) | 325646 | 324575 | 323146 | 314881 | 308740 | 331346 | | 3.9.2 Public Financial Institutions (PFIs) | 219865 | 217593 | 228678 | 220806 | 207146 | 211702 | | 3.10 Other Services3 | 1128430 | 1141708 | 1182118 | 1137607 | 1177763 | 1171848 | | | (1112253) | (1125683) | (1166422) | (1116037) | (1157271) | (1152057) | | 4 Personal Loans | 5831547 | 5878918 | 5952299 | 5980893 | 6061987 | 6150295 | | | (5473924) | (5527053) | (5610478) | (5656449) | (5748146) | (5840710) | | 4.1 Consumer Durables | 23508 | 24506 | 23402 | 23279 | 23715 | 23376 | | 4.2 Housing (Including Priority Sector Housing) | 2950974 | 2978759 | 3010477 | 3008941 | 3037366 | 3067120 | | | (2614403) | (2647643) | (2689068) | (2704137) | (2742752) | (2776336) | | 4.3 Advances against Fixed Deposits (Including FCNR(B), NRNR Deposits. etc) | 135900 | 134519 | 141101 | 143518 | 142479 | 145540 | | 4.4 Advances to Individuals against share, bonds, etc. | 9765 | 9808 | 10080 | 10488 | 9412 | 9886 | | 4.5 Credit Card Outstanding | 292084 | 287047 | 284366 | 287172 | 290678 | 292602 | | 4.6 Education | 135864 | 136821 | 137456 | 137454 | 138122 | 139587 | | 4.7 Vehicle Loans | 615236 | 619783 | 622794 | 629691 | 637766 | 652285 | | 4.8 Loan against gold jewellery4 | 178861 | 191198 | 208735 | 223034 | 251369 | 277025 | | 4.9 Other Personal Loans | 1489354 | 1496477 | 1513889 | 1517316 | 1531082 | 1542875 | | | (1468357) | (1475779) | (1493525) | (1497721) | (1511895) | (1524110) | | 5 Priority Sector (Memo) | - | - | - | - | - | - | | 5.1 Agriculture and Allied Activities5 | 2248829 | 2256770 | 2287804 | 2233685 | 2277560 | 2274259 | | 5.2 Micro and Small Enterprises6 | 2191766 | 2223843 | 2240503 | 2313293 | 2410013 | 2460012 | | 5.3 Medium Enterprises7 | 574228 | 584585 | 601451 | 604299 | 610129 | 591992 | | 5.4 Housing | 747261 | 747435 | 746651 | 744228 | 750390 | 856626 | | | (664181) | (664855) | (665107) | (663951) | (671007) | (776086) | | 5.5 Educational Loans | 63056 | 62831 | 62825 | 62637 | 63146 | 64355 | | 5.6 Renewable Energy | 7559 | 8491 | 10325 | 11979 | 12250 | 12563 | | 5.7 Social Infrastructure | 983 | 1233 | 1316 | 1147 | 827 | 828 | | 5.8 Export Credit | 12739 | 11827 | 12361 | 13086 | 12021 | 13047 | | 5.9 Others | 53143 | 50007 | 47900 | 48689 | 48675 | 46467 | | 5.10 Weaker Sections including net PSLC- SF/MF | 1793997 | 1789945 | 1820904 | 1789687 | 1832723 | 1825579 | Notes : (1) Data are provisional. Non-food credit data is based on fortnightly Section-42 return, which covers all scheduled commercial banks (SCBs), while sectoral non-food credit data are based on sector-wise and industry-wise bank credit (SIBC) return, which covers select banks accounting for about 95 per cent of total non-food credit extended by all SCBs, pertaining to the last reporting Friday of the month.
(2) Data since July 28, 2023 include the impact of the merger of a non-bank with a bank. Figures in parentheses exclude the impact of the merger.
1 Wholesale trade includes food procurement credit outside the food credit consortium.
2 NBFCs include HFCs, PFIs, Microfinance Institutions (MFIs), NBFCs engaged in gold loan and others.
3 “Other Services” include Mutual Fund (MFs), Banking and Finance other than NBFCs and MFs and other services which are not indicated elsewhere under services.
4 Since May 2024, a bank has changed the classification of a category of agricultural loan into “Loans against gold jewellery” under retail segment.
5 “Agriculture and Allied Activities” under the priority sector also include priority sector lending certificates (PSLCs).
6 “Micro and Small Enterprises” under the priority sector include credit to micro and small enterprises in industry and services sectors and also include PSLCs.
7 “Medium Enterprises” under the priority sector include credit to medium enterprises in industry and services sectors.
Also see Notes on Tables.
Source : Reserve Bank of India. | |