| (₹ Crore) |
| Head/ Sub-head | 2020-21 | 2021-22 | 2022-23 | 2023-24 | 2024-25 | 2025-26 |
| 1 | 2 | 3 | 4 | 5 | 6 | 7 |
| A. Non-Food Bank Credit | 466937 | 1050270 | 1819026 | 2295121 | 1808036 | 2919166 |
| B. Flow from Non-Banks (B1+B2) | 1135336 | 1093566 | 903298 | 1263721 | 1815417 | 1769275 |
| B1. Domestic Sources | 794937 | 482260 | 527181 | 1020302 | 1490681 | 1266318 |
| 1. Equity Issuances by Non-Financial Entities | 125902 | 164673 | 116111 | 135008 | 381161 | 362328 |
| 2. Corporate Bond Issuances by Non-Financial Entities | 326969 | 153584 | 112822 | 167374 | 197795 | 322114 |
| 3. Hybrid Instruments (REITs/ InvITs) by Non-Financial Entities | 52416 | 21562 | 6360 | 39024 | 31442 | 30076 |
| 4. Commercial Paper Issuances by Non-Financial Entities | -21443 | 1326 | -78489 | 19712 | 18819 | 7948 |
| 5. Credit by Housing Finance Companies (Net of Bank Borrowings) | 75532 | 13346 | 72111 | 141816 | 127865 | 13089 |
| 6. Credit by RBI-regulated All India Financial Institutions | 56524 | 28292 | 32419 | 73386 | 99501 | 87671 |
| 7. Credit by Non-Banking Financial Companies (Net of Bank Borrowings) | 179038 | 99476 | 265846 | 443982 | 634097 | 443092 |
| B2. Foreign Sources | 340399 | 611306 | 376118 | 243419 | 324736 | 502957 |
| 1. External Commercial Borrowings by Non-Financial Entities | -35955 | 42118 | -10033 | 27916 | 19089 | 22741 |
| 2. ADR/GDR Issues by Non-Financial Entities | 0 | 0 | 0 | 0 | 0 | 0 |
| 3. Short-term Credit from Abroad | -30411 | 150425 | 51136 | -6741 | 58859 | 120992 |
| 4. Foreign Direct Investment to India | 406765 | 418763 | 335015 | 222244 | 246788 | 359223 |
| C. Total Flow of Resources (A+B) | 1602273 | 2143837 | 2722324 | 3558842 | 3623453 | 4688441 |
Notes : i) Data presented are as per the new format.
ii) Data for 2025-26 are provisional.
iii) Credit extended by banks, NBFCs and HFCs is inclusive of personal loans.
iv) Data on all items are presented on a net basis, except equity and hybrid instruments which are on a gross basis.
v) All India Financial Institutions (AIFIs) include National Bank for Agriculture and Rural Development (NABARD), National Housing Bank (NHB), Small Industries Development Bank of India (SIDBI), Export-Import Bank of India (EXIM Bank), and National Bank for Financing Infrastructure and Development (NaBFID). Credit extended by AIFIs excludes refinancing to Scheduled Commercial Banks (SCBs), NBFCs, and HFCs, and direct loans to domestic and foreign governments/institutions.
vi) Data pertaining to HDFC Limited, which merged with HDFC Bank effective from July 1, 2023, is included under credit by Housing Finance Companies prior to its merger while it is included under bank credit post-merger.
vii) Data on credit by Housing Finance Companies (HFCs) and Non-Banking Financial Companies (NBFCs) has been adjusted for the conversion of some HFCs into NBFCs.
Sources : RBI; SEBI; NABARD; EXIM Bank; SIDBI; NHB; NaBFID; and RBI staff estimates. |