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Document - Table 168 : Deployment of Bank Credit by Major Sectors () or PDF - Table 168 : Deployment of Bank Credit by Major Sectors ()
Date : Jul 31, 2026
Table 168 : Deployment of Bank Credit by Major Sectors
(₹ Crore)
Sector Outstanding as on
Jul 25, 2025 Aug 22, 2025 Sep 19, 2025 Oct 31, 2025 Nov 28, 2025 Dec 31, 2025
1 2 3 4 5 6 7
Non-food credit 18445197 18594541 18857649 19320128 19447512 20234543
1 Agriculture and Allied Activities 2313847 2324721 2361595 2402610 2417050 2509200
2 Industry (Micro and Small, Medium and Large) 4002277 4055965 4136178 4192700 4219433 4390876
2.1 Micro and Small 891275 907103 924702 953572 952302 1015020
2.2 Medium 367586 370850 385991 398071 397098 422216
2.3 Large 2743416 2778012 2825485 2841057 2870032 2953641
3 Services 5040440 5064686 5144227 5345246 5359639 5661328
3.1 Transport Operators 268979 269997 270335 275525 276292 266820
3.2 Computer Software 36579 37829 37978 39584 40914 42275
3.3 Tourism, Hotels and Restaurants 85717 86099 88240 91529 92182 96721
3.4 Shipping 8727 8923 9585 9959 10675 10457
3.5 Aviation 45250 45892 46332 47560 48649 51012
3.6 Professional Services 194937 197147 195597 200511 202814 210380
3.7 Trade 1175646 1180585 1196397 1227077 1230778 1300856
3.7.1 Wholesale Trade1 633515 632862 638058 655867 657179 708148
3.7.2 Retail Trade 542131 547723 558339 571210 573600 592708
3.8 Commercial Real Estate 550857 550863 564592 569245 570144 590851
3.9 Non-Banking Financial Companies (NBFCs)2 of which, 1568384 1573845 1588698 1703567 1723493 1865190
3.9.1 Housing Finance Companies (HFCs) 315794 318587 324982 332125 346320 352976
3.9.2 Public Financial Institutions (PFIs) 198406 199719 205393 247504 253237 291503
3.10 Other Services3 1105364 1113507 1146472 1180689 1163697 1226766
4 Personal Loans 6180072 6232566 6273708 6455946 6486418 6664044
4.1 Consumer Durables 22938 22748 22110 23646 23028 22569
4.2 Housing (Including Priority Sector Housing) 3081152 3108790 3132868 3187475 3195341 3256397
4.3 Advances against Fixed Deposits (Including FCNR(B), NRNR Deposits. etc) 140969 142689 143924 150287 147076 160036
4.4 Advances to Individuals against share, bonds, etc. 9730 9807 9835 10006 9752 10150
4.5 Credit Card Outstanding 291088 288691 281823 303073 296070 293898
4.6 Education 141537 144539 147176 149442 149800 152789
4.7 Vehicle Loans 643654 647828 646242 677349 680536 715647
4.8 Loan against gold jewellery4 293568 305342 315684 337580 358645 380206
4.9 Other Personal Loans 1555436 1562132 1574047 1617089 1626170 1672353
5 Priority Sector (Memo) - - - - - -
5.1 Agriculture and Allied Activities5 2288550 2310311 2327799 2437756 2433930 2554979
5.2 Micro and Small Enterprises6 2489086 2510254 2520121 2613611 2588509 2755699
5.3 Medium Enterprises7 596343 604659 627019 649366 648766 679528
5.4 Housing 940428 945763 974644 997896 992100 1028285
5.5 Educational Loans 68839 70067 70834 74071 74051 77388
5.6 Renewable Energy 12160 13235 14842 10836 11555 11323
5.7 Social Infrastructure 943 936 939 921 1060 1277
5.8 Export Credit 12875 12529 11755 11533 11052 10749
5.9 Others 44332 44089 43467 41409 41797 42822
5.10 Weaker Sections including net PSLC- SF/MF 1842667 1861780 1873464 1946670 1944735 2001782
(Continued)

TABLE 168 : DEPLOYMENT OF BANK CREDIT BY MAJOR SECTORS (Concld.)
(₹ Crore)
Sector Outstanding as on
Jan 31, 2026 Feb 28, 2026 Mar 31, 2026 Apr 30, 2026 May 31, 2026
1 8 9 10 11 12
Non-food credit 20386087 20671435 21291163 21107913 21378960
1 Agriculture and Allied Activities 2509789 2543477 2644250 2626040 2641484
2 Industry (Micro and Small, Medium and Large) 4388308 4447192 4584304 4537732 4623904
2.1 Micro and Small 1031291 1031799 1059417 1049053 1066411
2.2 Medium 426211 430263 442585 441429 447397
2.3 Large 2930806 2985130 3082303 3047250 3110095
3 Services 5722969 5807798 6061400 5954519 6045176
3.1 Transport Operators 267665 280409 286807 286206 286706
3.2 Computer Software 40695 46183 45738 51096 52659
3.3 Tourism, Hotels and Restaurants 97418 98895 102559 102767 104265
3.4 Shipping 10373 10502 10384 10944 10986
3.5 Aviation 49613 49830 52688 52704 58303
3.6 Professional Services 209054 210543 218324 219386 220054
3.7 Trade 1309115 1320670 1376531 1317230 1362456
3.7.1 Wholesale Trade1 723122 737574 775808 731935 768720
3.7.2 Retail Trade 585993 583096 600723 585295 593736
3.8 Commercial Real Estate 597880 606612 627117 635404 642082
3.9 Non-Banking Financial Companies (NBFCs)2 of which, 1905207 1947584 2069732 2056412 2088395
3.9.1 Housing Finance Companies (HFCs) 353406 359226 373339 367439 369647
3.9.2 Public Financial Institutions (PFIs) 305670 316124 348766 346877 355795
3.10 Other Services3 1235949 1236570 1271520 1222370 1219270
4 Personal Loans 6723042 6796850 6939750 6960422 7015041
4.1 Consumer Durables 22360 21925 21962 22302 22906
4.2 Housing (Including Priority Sector Housing) 3278420 3305691 3355963 3351752 3369034
4.3 Advances against Fixed Deposits (Including FCNR(B), NRNR Deposits. etc) 154360 154183 169107 158016 154712
4.4 Advances to Individuals against share, bonds, etc. 10264 10085 10546 10111 10192
4.5 Credit Card Outstanding 296417 292067 294461 298016 294535
4.6 Education 154899 155590 155824 155698 157517
4.7 Vehicle Loans 720567 726037 738678 742870 748450
4.8 Loan against gold jewellery4 400517 428578 461373 488761 514281
4.9 Other Personal Loans 1685238 1702695 1731838 1732898 1743414
5 Priority Sector (Memo) - - - - -
5.1 Agriculture and Allied Activities5 2565250 2600490 2652747 2620849 2593709
5.2 Micro and Small Enterprises6 2735314 2812171 2896912 2973317 2981386
5.3 Medium Enterprises7 682981 692153 709163 708509 719024
5.4 Housing 1030805 1033416 1043836 1041436 1042877
5.5 Educational Loans 77853 77935 77289 77212 77399
5.6 Renewable Energy 12243 13955 13011 13852 14389
5.7 Social Infrastructure 1255 1221 1486 1551 1423
5.8 Export Credit 10663 10270 11270 11607 11623
5.9 Others 40417 41690 44820 42626 41980
5.10 Weaker Sections including net PSLC- SF/MF 2007819 2032409 2071083 1980618 1998775
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. Data for the fortnights corresponding to the Section-42 fortnights are not available for the SIBC return. Therefore, reference periods (fortnights dates) considered for arriving sectoral non-food credit growth rates are different than the reference period for arriving growth rates of Section-42 data.
(2) With effect from December 31, 2025, definition of last reporting fortnight has been changed to the last day of the month under the Banking Laws (Amendment) Act 2025. Accordingly, the y-o-y growth rates from December 2025 onwards are based on end-of-month data for the current year and data for the last reporting fortnight (as per old definition) for the corresponding month of the previous year.
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.