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15. Deployment of Gross Bank Credit by Major Sectors
Date : Mar 10, 2018
(₹ Billion)
Item Outstanding as on Growth (%)
Mar. 31, 2017 2017 2018 Financial year so far Y-o-Y
Jan. 20 Dec. 22 Jan. 19 2017-18 2018
1 2 3 4 5 6
1 Gross Bank Credit 71,347 67,113 72,631 73,009 2.3 8.8
1.1 Food Credit 400 886 238 473 18.2 -46.6
1.2 Non-food Credit 70,947 66,228 72,393 72,536 2.2 9.5
1.2.1 Agriculture & Allied Activities 9,924 9,202 9,981 10,068 1.5 9.4
1.2.2 Industry 26,800 25,866 26,341 26,151 –2.4 1.1
1.2.2.1 Micro & Small 3,697 3,496 3,683 3,738 1.1 6.9
1.2.2.2 Medium 1,048 1,037 957 972 –7.3 -6.3
1.2.2.3 Large 22,055 21,333 21,701 21,442 –2.8 0.5
1.2.3 Services 18,022 15,923 18,119 18,030 0.0 13.2
1.2.3.1 Transport Operators 1,104 1,030 1,152 1,172 6.1 13.8
1.2.3.2 Computer Software 179 176 179 185 3.4 5.3
1.2.3.3 Tourism, Hotels & Restaurants 375 376 367 371 –1.2 -1.5
1.2.3.4 Shipping 84 119 73 61 –27.2 -48.7
1.2.3.5 Professional Services 1,377 1,258 1,422 1,508 9.5 19.9
1.2.3.6 Trade 4,279 3,868 4,406 4,484 4.8 15.9
1.2.3.6.1 Wholesale Trade 1,932 1,776 1,935 1,993 3.2 12.2
1.2.3.6.2 Retail Trade 2,347 2,093 2,471 2,491 6.1 19.0
1.2.3.7 Commercial Real Estate 1,856 1,782 1,825 1,841 –0.8 3.3
1.2.3.8 Non-Banking Financial Companies (NBFCs) 3,910 3,239 3,682 3,760 –3.8 16.1
1.2.3.9 Other Services 4,859 4,076 5,013 4,650 –4.3 14.1
1.2.4 Personal Loans 16,200 15,236 17,952 18,286 12.9 20.0
1.2.4.1 Consumer Durables 208 199 182 184 –11.5 -7.3
1.2.4.2 Housing 8,601 8,216 9,362 9,466 10.1 15.2
1.2.4.3 Advances against Fixed Deposits 661 597 557 591 –10.6 -1.0
1.2.4.4 Advances to Individuals against share & bond 48 47 58 53 12.0 13.1
1.2.4.5 Credit Card Outstanding 521 498 642 653 25.2 31.2
1.2.4.6 Education 701 719 704 708 1.1 -1.5
1.2.4.7 Vehicle Loans 1,705 1,678 1,831 1,847 8.3 10.1
1.2.4.8 Other Personal Loans 3,755 3,282 4,617 4,783 27.4 45.7
1.2A Priority Sector 24,357 22,655 24,224 24,359 0.0 7.5
1.2A.1 Agriculture & Allied Activities 9,909 9,171 9,932 10,024 1.2 9.3
1.2A.2 Micro & Small Enterprises 9,020 8,315 9,066 9,161 1.6 10.2
1.2A.2.1 Manufacturing 3,697 3,496 3,683 3,738 1.1 6.9
1.2A.2.2 Services 5,322 4,819 5,383 5,423 1.9 12.5
1.2A.3 Housing 3,683 3,564 3,727 3,740 1.5 4.9
1.2A.4 Micro-Credit 189 181 169 191 1.0 5.5
1.2A.5 Education Loans 604 609 592 580 –4.0 -4.8
1.2A.6 State-Sponsored Orgs. for SC/ST 6 6 3 3 –56.1 -55.4
1.2A.7 Weaker Sections 5,546 5,192 5,493 5,570 0.4 7.3
1.2A.8 Export Credit 425 456 409 321 –24.4 -29.6
Note: Data are provisional and relate to select 41 scheduled commercial banks, accounting for about 90 per cent of total non-food credit extended by all scheduled commercial banks (excludes ING Vysya which has been merged with Kotak Mahindra since April 2015).
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.

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