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15. Deployment of Gross Bank Credit by Major Sectors
Date : Sep 11, 2018
(₹ Billion)
Item Outstanding as on Growth (%)
Mar. 30, 2018 2017 2018 Financial year so far Y-o-Y
Jul. 21 Jun. 22 Jul. 20 2018-19 2018
1 2 3 4 5 6
1 Gross Bank Credit 77,303 69,452 76,949 76,734 -0.7 10.5
1.1 Food Credit 419 456 624 458 9.5 0.6
1.2 Non-food Credit 76,884 68,996 76,325 76,276 –0.8 10.6
1.2.1 Agriculture & Allied Activities 10,302 9,743 10,355 10,385 0.8 6.6
1.2.2 Industry 26,993 26,280 26,417 26,371 –2.3 0.3
1.2.2.1 Micro & Small 3,730 3,593 3,641 3,594 –3.6 0.0
1.2.2.2 Medium 1,037 1,005 1,029 1,035 –0.2 2.9
1.2.2.3 Large 22,226 21,681 21,747 21,741 –2.2 0.3
1.2.3 Services 20,505 16,316 20,218 20,075 –2.1 23.0
1.2.3.1 Transport Operators 1,213 1,107 1,223 1,243 2.5 12.3
1.2.3.2 Computer Software 186 174 183 181 –2.6 4.1
1.2.3.3 Tourism, Hotels & Restaurants 365 360 366 362 –0.7 0.6
1.2.3.4 Shipping 63 72 67 66 5.3 -7.1
1.2.3.5 Professional Services 1,554 1,322 1,536 1,549 –0.3 17.1
1.2.3.6 Trade 4,669 4,059 4,700 4,625 –0.9 14.0
1.2.3.6.1 Wholesale Trade 2,052 1,773 2,049 2,029 –1.1 14.4
1.2.3.6.2 Retail Trade 2,618 2,286 2,651 2,597 –0.8 13.6
1.2.3.7 Commercial Real Estate 1,858 1,774 1,863 1,818 –2.2 2.4
1.2.3.8 Non-Banking Financial Companies (NBFCs) 4,964 3,375 4,616 4,735 –4.6 40.3
1.2.3.9 Other Services 5,633 4,073 5,663 5,496 –2.4 34.9
1.2.4 Personal Loans 19,085 16,657 19,336 19,445 1.9 16.7
1.2.4.1 Consumer Durables 197 172 203 205 3.9 18.9
1.2.4.2 Housing 9,746 8,636 9,983 10,063 3.3 16.5
1.2.4.3 Advances against Fixed Deposits 725 579 679 644 –11.2 11.2
1.2.4.4 Advances to Individuals against share & bond 56 52 57 60 7.1 15.0
1.2.4.5 Credit Card Outstanding 686 568 744 743 8.2 30.8
1.2.4.6 Education 697 701 686 689 –1.2 -1.7
1.2.4.7 Vehicle Loans 1,898 1,726 1,906 1,918 1.1 11.2
1.2.4.8 Other Personal Loans 5,080 4,224 5,078 5,124 0.9 21.3
1.2A Priority Sector 25,532 23,547 24,975 25,324 –0.8 7.5
1.2A.1 Agriculture & Allied Activities 10,216 9,725 10,292 10,322 1.0 6.1
1.2A.2 Micro & Small Enterprises 9,964 8,726 9,572 9,717 –2.5 11.4
1.2A.2.1 Manufacturing 3,730 3,593 3,641 3,594 –3.6 0.0
1.2A.2.2 Services 6,234 5,132 5,930 6,122 –1.8 19.3
1.2A.3 Housing 3,756 3,572 3,739 3,893 3.6 9.0
1.2A.4 Micro-Credit 264 150 211 208 –21.2 38.2
1.2A.5 Education Loans 607 587 563 574 –5.4 -2.1
1.2A.6 State-Sponsored Orgs. for SC/ST 3 3 3 4 18.2 35.7
1.2A.7 Weaker Sections 5,690 5,502 5,765 5,825 2.4 5.9
1.2A.8 Export Credit 283 412 223 219 –22.7 -46.8
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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