| (₹ Billion) | | Item | Outstanding as on | Growth (%) | | Mar. 31, 2017 | 2016 | 2017 | Financial year so far | Y-o-Y | | Apr. 29 | Mar. 31 | Apr. 28 | 2017-18 | 2017 | | 1 | 2 | 3 | 4 | 5 | 6 | | 1 Gross Bank Credit | 68,352 | 63,205 | 68,352 | 65,935 | -3.5 | 4.3 | | 1.1 Food Credit | 393 | 888 | 393 | 485 | 23.3 | -45.4 | | 1.2 Non-food Credit | 67,959 | 62,317 | 67,959 | 65,451 | –3.7 | 5.0 | | 1.2.1 Agriculture & Allied Activities | 9,373 | 8,471 | 9,373 | 9,148 | –2.4 | 8.0 | | 1.2.2 Industry | 25,475 | 25,197 | 25,475 | 24,941 | –2.1 | -1.0 | | 1.2.2.1 Micro & Small | 3,485 | 3,421 | 3,485 | 3,404 | –2.3 | -0.5 | | 1.2.2.2 Medium | 1,001 | 1,038 | 1,001 | 944 | –5.7 | -9.1 | | 1.2.2.3 Large | 20,989 | 20,738 | 20,989 | 20,593 | –1.9 | -0.7 | | 1.2.3 Services | 17,627 | 15,254 | 17,627 | 15,987 | –9.3 | 4.8 | | 1.2.3.1 Transport Operators | 1,087 | 1,022 | 1,087 | 1,071 | –1.5 | 4.7 | | 1.2.3.2 Computer Software | 175 | 187 | 175 | 171 | –2.3 | -8.6 | | 1.2.3.3 Tourism, Hotels & Restaurants | 362 | 358 | 362 | 347 | –4.2 | -3.0 | | 1.2.3.4 Shipping | 111 | 95 | 111 | 70 | –37.2 | -26.4 | | 1.2.3.5 Professional Services | 1,344 | 1,174 | 1,344 | 1,307 | –2.8 | 11.3 | | 1.2.3.6 Trade | 4,103 | 3,659 | 4,103 | 3,876 | –5.5 | 5.9 | | 1.2.3.6.1 Wholesale Trade | 1,905 | 1,645 | 1,905 | 1,749 | –8.2 | 6.3 | | 1.2.3.6.2 Retail Trade | 2,199 | 2,014 | 2,199 | 2,127 | –3.3 | 5.6 | | 1.2.3.7 Commercial Real Estate | 1,823 | 1,801 | 1,823 | 1,788 | –1.9 | -0.7 | | 1.2.3.8 Non-Banking Financial Companies (NBFCs) | 3,817 | 3,501 | 3,817 | 3,400 | –10.9 | -2.9 | | 1.2.3.9 Other Services | 4,805 | 3,458 | 4,805 | 3,958 | –17.6 | 14.4 | | 1.2.4 Personal Loans | 15,484 | 13,395 | 15,484 | 15,375 | –0.7 | 14.8 | | 1.2.4.1 Consumer Durables | 169 | 151 | 169 | 171 | 1.2 | 13.5 | | 1.2.4.2 Housing | 8,183 | 7,197 | 8,183 | 8,160 | –0.3 | 13.4 | | 1.2.4.3 Advances against Fixed Deposits | 621 | 600 | 621 | 542 | –12.7 | -9.7 | | 1.2.4.4 Advances to Individuals against share & bond | 54 | 50 | 54 | 51 | –4.7 | 1.8 | | 1.2.4.5 Credit Card Outstanding | 521 | 410 | 521 | 541 | 3.9 | 32.1 | | 1.2.4.6 Education | 669 | 648 | 669 | 668 | –0.1 | 3.1 | | 1.2.4.7 Vehicle Loans | 1,634 | 1,431 | 1,634 | 1,645 | 0.7 | 14.9 | | 1.2.4.8 Other Personal Loans | 3,634 | 2,907 | 3,634 | 3,596 | –1.0 | 23.7 | | 1.2A Priority Sector | 22,996 | 21,232 | 22,996 | 22,366 | –2.7 | 5.3 | | 1.2A.1 Agriculture & Allied Activities | 9,358 | 8,460 | 9,358 | 9,128 | –2.5 | 7.9 | | 1.2A.2 Micro & Small Enterprises | 8,621 | 8,065 | 8,621 | 8,344 | –3.2 | 3.5 | | 1.2A.2.1 Manufacturing | 3,499 | 3,421 | 3,499 | 3,404 | –2.7 | -0.5 | | 1.2A.2.2 Services | 5,122 | 4,643 | 5,122 | 4,939 | –3.6 | 6.4 | | 1.2A.3 Housing | 3,449 | 3,231 | 3,449 | 3,389 | –1.7 | 4.9 | | 1.2A.4 Micro-Credit | 150 | 152 | 150 | 143 | –5.0 | -6.3 | | 1.2A.5 Education Loans | 574 | 565 | 574 | 575 | 0.1 | 1.7 | | 1.2A.6 State-Sponsored Orgs. for SC/ST | 3 | 2 | 3 | 2 | –9.1 | 18.6 | | 1.2A.7 Weaker Sections | 5,261 | 4,588 | 5,261 | 5,010 | –4.8 | 9.2 | | 1.2A.8 Export Credit | 425 | 452 | 425 | 421 | –0.9 | -6.9 | Note : Data are provisional and relate to select banks which cover about 90 per cent of total non-food credit extended by all scheduled commercial banks. Exclude data for four erstwhile associates of SBI (State Bank of Bikaner & Jaipur, State Bank of Hyderabad, State Bank of Mysore and State Bank of Patiala) on account of post-merger data reconciliation exercise that is underway.
Export credit under priority sector relates to foreign banks only.
Micro & small under item 2.1 includes credit to micro & small industries in manufacturing sector.
Micro & small enterprises under item 5.2 includes credit to micro & small enterprises in manufacturing as well as services sector.
Priority Sector is as per old definition and does not conform to FIDD Circular FIDD.CO.Plan.BC.54/04.09.01/2014-15 dated April 23, 2015.
Data pertains to sectoral deployment of bank credit collected from select 41 scheduled commercial banks, accounting for about 90 per cent of the total non-food credit deployed by all scheduled commercial banks. | |