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Document - Table 11.4 : Bank Group-Wise and occupation-wise Weighted Average Lending Rate and Deposit Rate : 2003 and 2004 () or PDF - Table 11.4 : Bank Group-Wise and occupation-wise Weighted Average Lending Rate and Deposit Rate : 2003 and 2004 ()
Date : Oct 14, 2005
Table 11.4 : Bank Group-Wise and occupation-wise Weighted Average Lending Rate and Deposit Rate : 2003 and 2004

 
     

(in per cent)
                   
       

As on March 31
                   
       

State Bank of India

Nationalised

  

Foreign
 

Occupation

  

and its Associates

Banks

    

Banks
       

2003

2004

2003

2004

2003

2004
       

(1)

(2)

(3)

(4)

(5)

(6)
                   

Weighted Average Lending Rate

            
                   

I.

Agriculture

  

13.12

12.56

13.2

12.9

12.66

13.49
                   
 

1.

Direct Finace

  

13.09

11.94

13.53

12.66

12.68

13.51
                   
 

2.

Indirect Finance

  

13.16

13.27

12.91

13.09

12.48

13.37
                   

II.

Industry

  

12.6

12.78

13.73

13.12

14.74

14.3
                   
 

1.

Mining & Quarrying

9.54

13.09

13.56

13.1

15.59

13.73
                   
 

2.

Manufacturing &

Processing

13.05

12.74

13.87

13.21

14.71

14.29
                   
 

3.

Electricity, Gas &

Water

12.57

13.17

12.98

12.85

15.47

14.05
                   
 

4.

Construction

  

12.56

12.59

13.4

12.83

14.47

14.71
                   

III.

Transport Operators

  

13.46

13.08

13.3

12.95

12.83

14.97
                   

IV.

Professional and Other Services

13.06

12.82

13.66

12.95

14.64

14.72
                   

V.

Personal Loans

  

11.85

10.74

12.24

11.28

14.78

15.19
                   
 

1.

Loans for Purchase of Consumer Durables

13.92

14.5

14.4

14.22

19

16.99
                   
 

2.

Loans for Housing

  

11.13

9.07

11.4

10.07

13.73

14.6
                   
 

3.

Rest of the Personal Loans

13.93

14.11

13.75

13.68

15.97

15.94
                   

VI.

Trade

  

11.62

10.52

12.56

11.3

14.47

14.42
                   
 

1.

Wholesale Trade

  

11.39

10.11

12.13

10.49

14.64

14.95
                   
 

2.

Retail Trade

  

13.2

12.4

14.16

13.19

14.33

14.1
                   

VII.

Finance

  

12.74

13.24

12.49

12.91

14.17

14.86
                   

VIII.

All Others

  

12.96

12.54

13.6

13.13

16.68

15.62
                   

Total Bank Credit

  

12.44

12.16

13.2

12.56

14.68

14.64
                   
 

Of which:

              
                   
 

1.

Artisans & Village

Industries

12.76

11.77

14.57

13.18

19.55

18.09
                   
 

2.

Other Small Scale Industries

13.01

12.11

14.06

12.89

12.84

12.77
                   

Weighted Average Deposit

Rate

            

of Term Deposits

  

9.63

6.38

8.66

6.61

6.67

4.74
                   

Notes

1.The data given here are based on the accounts with creditlimit of over Rs.2 lakhs.

2.The lending rates are exclusive of inland and 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 for 2004 on average depoist rate are based on 57654 reporting branches

out of 66517 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.

Source: Basic Statistical Returns I & II, Department of Statistical Analysis and Computer Services, RBI.