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15. Deployment of Gross Bank Credit by Major Sectors
Date : Nov 14, 2018
(₹ Billion)
Item Outstanding as on Growth (%)
Mar. 30, 2018 2017 2018 Financial year so far Y-o-Y
Sep. 29 Aug. 31 Sep. 28 2018-19 2018
1 2 3 4 5 6
1 Gross Bank Credit 77,303 72,133 78,191 80,250 3.8 11.3
1.1 Food Credit 419 462 488 475 13.5 2.8
1.2 Non-food Credit 76,884 71,671 77,704 79,774 3.8 11.3
1.2.1 Agriculture & Allied Activities 10,302 9,971 10,419 10,544 2.4 5.8
1.2.2 Industry 26,993 26,404 26,621 27,016 0.1 2.3
1.2.2.1 Micro & Small 3,730 3,690 3,664 3,638 –2.5 -1.4
1.2.2.2 Medium 1,037 1,019 1,053 1,053 1.5 3.3
1.2.2.3 Large 22,226 21,696 21,904 22,326 0.5 2.9
1.2.3 Services 20,505 17,749 20,740 22,014 7.4 24.0
1.2.3.1 Transport Operators 1,213 1,126 1,256 1,267 4.5 12.5
1.2.3.2 Computer Software 186 181 183 192 3.2 6.0
1.2.3.3 Tourism, Hotels & Restaurants 365 370 370 374 2.4 1.0
1.2.3.4 Shipping 63 75 68 66 4.9 -12.1
1.2.3.5 Professional Services 1,554 1,305 1,586 1,618 4.1 24.0
1.2.3.6 Trade 4,669 4,346 4,751 4,815 3.1 10.8
1.2.3.6.1 Wholesale Trade 2,052 1,875 2,105 2,096 2.2 11.8
1.2.3.6.2 Retail Trade 2,618 2,471 2,646 2,719 3.9 10.0
1.2.3.7 Commercial Real Estate 1,858 1,863 1,872 1,847 –0.6 -0.8
1.2.3.8 Non-Banking Financial Companies (NBFCs) 4,964 3,862 4,902 5,467 10.1 41.5
1.2.3.9 Other Services 5,633 4,619 5,752 6,368 13.1 37.9
1.2.4 Personal Loans 19,085 17,547 19,924 20,200 5.8 15.1
1.2.4.1 Consumer Durables 197 178 32 32 –83.6 -81.9
1.2.4.2 Housing 9,746 9,086 10,419 10,502 7.8 15.6
1.2.4.3 Advances against Fixed Deposits 725 653 668 736 1.6 12.8
1.2.4.4 Advances to Individuals against share & bond 56 57 58 63 13.5 10.6
1.2.4.5 Credit Card Outstanding 686 599 785 789 15.0 31.7
1.2.4.6 Education 697 720 698 691 –0.9 -4.0
1.2.4.7 Vehicle Loans 1,898 1,786 1,955 1,954 3.0 9.4
1.2.4.8 Other Personal Loans 5,080 4,468 5,309 5,431 6.9 21.6
1.2A Priority Sector 25,532 24,266 25,633 25,869 1.3 6.6
1.2A.1 Agriculture & Allied Activities 10,216 9,950 10,359 10,474 2.5 5.3
1.2A.2 Micro & Small Enterprises 9,964 9,079 9,881 9,945 –0.2 9.5
1.2A.2.1 Manufacturing 3,730 3,690 3,664 3,638 –2.5 -1.4
1.2A.2.2 Services 6,234 5,389 6,217 6,307 1.2 17.0
1.2A.3 Housing 3,756 3,688 3,936 3,949 5.1 7.1
1.2A.4 Micro-Credit 264 164 212 219 –16.8 33.3
1.2A.5 Education Loans 607 600 578 571 –5.9 -4.7
1.2A.6 State-Sponsored Orgs. for SC/ST 3 3 3 3 16.6 25.9
1.2A.7 Weaker Sections 5,690 5,422 5,871 5,910 3.8 9.0
1.2A.8 Export Credit 283 458 205 223 –21.3 -51.3
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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