(in per cent) |
|
|
|
|
Regional Rural |
Other Scheduled |
All Scheduled |
|
|
|
Occupation |
Banks |
|
Commercial |
Banks |
Commercial Banks |
|
|
|
|
2004 |
2005 |
2004 |
2005 |
2004 |
2005 |
|
|
|
|
(7) |
(8) |
(9) |
(10) |
(11) |
(12) |
Weighted Average Lending Rate |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
I. |
Agriculture |
14.18 |
13.28 |
14.55 |
13.88 |
13.03 |
12.45 |
|
1. |
|
Direct Finance |
14.19 |
13.30 |
14.31 |
13.58 |
12.76 |
11.97 |
|
2. |
|
Indirect Finance |
14.05 |
13.07 |
14.89 |
14.42 |
13.29 |
13.00 |
II. |
Industry |
13.77 |
13.00 |
14.53 |
14.03 |
13.44 |
13.21 |
|
1. |
|
Mining & Quarrying |
14.74 |
13.68 |
14.41 |
14.31 |
13.31 |
13.18 |
|
2. |
|
Manufacturing & Processing |
14.18 |
13.35 |
14.55 |
14.00 |
13.51 |
13.20 |
|
3. |
|
Electricity, Gas & Water |
17.78 |
16.48 |
14.94 |
14.70 |
13.31 |
13.36 |
|
4. |
|
Construction |
12.70 |
12.48 |
14.14 |
13.92 |
13.10 |
13.16 |
III. |
Transport Operators |
14.26 |
13.38 |
14.41 |
14.95 |
13.56 |
13.99 |
IV. |
Professional and Other Services |
14.01 |
13.04 |
13.83 |
14.28 |
13.45 |
13.43 |
V. |
Personal Loans |
12.24 |
11.56 |
13.45 |
11.40 |
12.22 |
10.95 |
|
1. |
|
Loans for Purchase of Consumer Durables |
14.49 |
14.99 |
15.94 |
16.48 |
15.08 |
14.68 |
|
2. |
|
Loans for Housing |
11.51 |
10.52 |
11.54 |
8.55 |
10.66 |
8.85 |
|
3. |
|
Rest of the Personal Loans |
14.18 |
14.27 |
16.25 |
15.21 |
14.93 |
14.78 |
VI. |
Trade |
13.93 |
13.24 |
13.47 |
13.44 |
11.49 |
11.52 |
|
1. |
|
Wholesale Trade |
13.86 |
13.16 |
12.75 |
12.73 |
10.68 |
10.67 |
|
2. |
|
Retail Trade |
13.96 |
13.27 |
14.35 |
13.93 |
13.36 |
12.95 |
VII. |
Finance |
12.43 |
12.69 |
14.56 |
14.89 |
13.44 |
13.52 |
VIII. |
All Others |
13.74 |
13.15 |
14.36 |
14.04 |
13.22 |
13.22 |
|
Total Bank Credit |
13.64 |
12.82 |
14.13 |
13.28 |
12.96 |
12.57 |
|
Of which |
|
|
|
|
|
|
|
1. |
|
Artisans & Village Industries |
14.49 |
13.74 |
14.35 |
14.74 |
12.48 |
11.97 |
|
2. |
|
Other Small Scale Industries |
14.36 |
13.43 |
13.94 |
13.47 |
12.81 |
12.29 |
Weighted Average Deposit Rate |
|
|
|
|
|
|
of Term Deposits |
8.34 |
7.52 |
6.33 |
6.35 |
6.51 |
6.18 |
Notes :
1. The data given here are based on the accounts with credit limit of over 2 lakhs.
2. The data are exclusive of Inland & 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 2005 on average deposit rate are based on 57938 reporting branches out of 67558 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. |