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15. Deployment of Gross Bank Credit by Major Sectors
Date : May 11, 2019
(₹ Billion)
Item Outstanding as on Growth (%)
Mar. 30, 2018 2018 2019 Financial year so far Y-o-Y
Mar. 30 Feb. 15 Mar. 29 2018-19 2019
1 2 3 4 5 6
1 Gross Bank Credit 77,303 77,303 83,681 86,749 12.2 12.2
1.1 Food Credit 419 419 615 415 –0.9 -0.9
1.2 Non-food Credit 76,884 76,884 83,065 86,334 12.3 12.3
1.2.1 Agriculture & Allied Activities 10,302 10,302 10,928 11,113 7.9 7.9
1.2.2 Industry 26,993 26,993 27,743 28,858 6.9 6.9
1.2.2.1 Micro & Small 3,730 3,730 3,727 3,755 0.7 0.7
1.2.2.2 Medium 1,037 1,037 1,034 1,064 2.6 2.6
1.2.2.3 Large 22,226 22,226 22,982 24,039 8.2 8.2
1.2.3 Services 20,505 20,505 22,762 24,156 17.8 17.8
1.2.3.1 Transport Operators 1,213 1,213 1,349 1,385 14.2 14.2
1.2.3.2 Computer Software 186 186 192 185 –0.4 -0.4
1.2.3.3 Tourism, Hotels & Restaurants 365 365 386 390 6.9 6.9
1.2.3.4 Shipping 63 63 74 77 22.8 22.8
1.2.3.5 Professional Services 1,554 1,554 1,781 1,715 10.4 10.4
1.2.3.6 Trade 4,669 4,669 5,047 5,282 13.1 13.1
1.2.3.6.1 Wholesale Trade 2,052 2,052 2,243 2,505 22.1 22.1
1.2.3.6.2 Retail Trade 2,618 2,618 2,804 2,776 6.1 6.1
1.2.3.7 Commercial Real Estate 1,858 1,858 1,988 2,023 8.9 8.9
1.2.3.8 Non-Banking Financial Companies (NBFCs) 4,964 4,964 5,754 6,412 29.2 29.2
1.2.3.9 Other Services 5,633 5,633 6,191 6,686 18.7 18.7
1.2.4 Personal Loans 19,085 19,085 21,633 22,207 16.4 16.4
1.2.4.1 Consumer Durables 197 197 45 63 –68.0 -68.0
1.2.4.2 Housing 9,746 9,746 11,349 11,601 19.0 19.0
1.2.4.3 Advances against Fixed Deposits 725 725 706 829 14.3 14.3
1.2.4.4 Advances to Individuals against share & bond 56 56 59 63 12.8 12.8
1.2.4.5 Credit Card Outstanding 686 686 834 883 28.6 28.6
1.2.4.6 Education 697 697 689 680 –2.5 -2.5
1.2.4.7 Vehicle Loans 1,898 1,898 2,005 2,022 6.5 6.5
1.2.4.8 Other Personal Loans 5,080 5,080 5,946 6,068 19.4 19.4
1.2A Priority Sector 25,532 25,532 26,829 27,390 7.3 7.3
1.2A.1 Agriculture & Allied Activities 10,216 10,216 10,863 11,050 8.2 8.2
1.2A.2 Micro & Small Enterprises 9,964 9,964 10,266 10,672 7.1 7.1
1.2A.2.1 Manufacturing 3,730 3,730 3,727 3,755 0.7 0.7
1.2A.2.2 Services 6,234 6,234 6,540 6,917 11.0 11.0
1.2A.3 Housing 3,756 3,756 4,332 4,327 15.2 15.2
1.2A.4 Micro-Credit 264 264 243 241 –8.5 -8.5
1.2A.5 Education Loans 607 607 563 540 –11.1 -11.1
1.2A.6 State-Sponsored Orgs. for SC/ST 3 3 4 4 34.1 34.1
1.2A.7 Weaker Sections 5,690 5,690 6,149 6,626 16.4 16.4
1.2A.8 Export Credit 283 283 165 156 –45.0 -45.0
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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