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15. Deployment of Gross Bank Credit by Major Sectors
Date : Oct 11, 2018
(₹ Billion)
Item Outstanding as on Growth (%)
Mar. 30, 2018 2017 2018 Financial year so far Y-o-Y
Aug. 18 Jul. 20 Aug. 31 2018-19 2018
1 2 3 4 5 6
1 Gross Bank Credit 77,303 69,659 76,734 78,191 1.1 12.2
1.1 Food Credit 419 542 458 488 16.5 -10.0
1.2 Non-food Credit 76,884 69,117 76,276 77,704 1.1 12.4
1.2.1 Agriculture & Allied Activities 10,302 9,777 10,385 10,419 1.1 6.6
1.2.2 Industry 26,993 26,112 26,371 26,621 –1.4 1.9
1.2.2.1 Micro & Small 3,730 3,571 3,594 3,664 –1.8 2.6
1.2.2.2 Medium 1,037 989 1,035 1,053 1.5 6.5
1.2.2.3 Large 22,226 21,552 21,741 21,904 –1.4 1.6
1.2.3 Services 20,505 16,375 20,075 20,740 1.1 26.7
1.2.3.1 Transport Operators 1,213 1,103 1,243 1,256 3.6 13.9
1.2.3.2 Computer Software 186 176 181 183 –1.5 4.2
1.2.3.3 Tourism, Hotels & Restaurants 365 363 362 370 1.4 1.9
1.2.3.4 Shipping 63 71 66 68 7.5 -5.1
1.2.3.5 Professional Services 1,554 1,284 1,549 1,586 2.0 23.5
1.2.3.6 Trade 4,669 4,096 4,625 4,751 1.7 16.0
1.2.3.6.1 Wholesale Trade 2,052 1,754 2,029 2,105 2.6 20.0
1.2.3.6.2 Retail Trade 2,618 2,342 2,597 2,646 1.1 13.0
1.2.3.7 Commercial Real Estate 1,858 1,761 1,818 1,872 0.8 6.3
1.2.3.8 Non-Banking Financial Companies (NBFCs) 4,964 3,405 4,735 4,902 –1.3 43.9
1.2.3.9 Other Services 5,633 4,115 5,496 5,752 2.1 39.8
1.2.4 Personal Loans 19,085 16,854 19,445 19,924 4.4 18.2
1.2.4.1 Consumer Durables 197 172 205 32 –83.8 -81.4
1.2.4.2 Housing 9,746 8,906 10,063 10,419 6.9 17.0
1.2.4.3 Advances against Fixed Deposits 725 600 644 668 –7.8 11.4
1.2.4.4 Advances to Individuals against share & bond 56 53 60 58 5.1 10.6
1.2.4.5 Credit Card Outstanding 686 571 743 785 14.4 37.4
1.2.4.6 Education 697 706 689 698 0.1 -1.2
1.2.4.7 Vehicle Loans 1,898 1,735 1,918 1,955 3.0 12.7
1.2.4.8 Other Personal Loans 5,080 4,111 5,124 5,309 4.5 29.2
1.2A Priority Sector 25,532 23,642 25,324 25,633 0.4 8.4
1.2A.1 Agriculture & Allied Activities 10,216 9,753 10,322 10,359 1.4 6.2
1.2A.2 Micro & Small Enterprises 9,964 8,741 9,717 9,881 –0.8 13.0
1.2A.2.1 Manufacturing 3,730 3,571 3,594 3,664 –1.8 2.6
1.2A.2.2 Services 6,234 5,170 6,122 6,217 –0.3 20.3
1.2A.3 Housing 3,756 3,625 3,893 3,936 4.8 8.6
1.2A.4 Micro-Credit 264 150 208 212 –19.7 41.4
1.2A.5 Education Loans 607 593 574 578 –4.9 -2.6
1.2A.6 State-Sponsored Orgs. for SC/ST 3 3 4 3 17.9 37.4
1.2A.7 Weaker Sections 5,690 5,312 5,825 5,871 3.2 10.5
1.2A.8 Export Credit 283 415 219 205 –27.5 -50.6
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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