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15. Deployment of Gross Bank Credit by Major Sectors
Date : Sep 12, 2019
(₹ Crore)
Item Outstanding as on Growth (%)
Mar. 29, 2019 2018 2019 Financial year so far Y-o-Y
Jul. 20 Jun. 21 Jul. 19 2019-20 2019
1 2 3 4 5 6
1 Gross Bank Credit 8,674,892 7,678,072 8,547,555 8,561,546 -1.3 11.5
1.1 Food Credit 41,474 50,480 71,178 65,787 58.6 30.3
1.2 Non-food Credit 8,633,418 7,627,592 8,476,377 8,495,759 –1.6 11.4
1.2.1 Agriculture & Allied Activities 1,111,300 1,038,519 1,125,788 1,108,988 –0.2 6.8
1.2.2 Industry 2,885,778 2,637,052 2,812,032 2,798,360 –3.0 6.1
1.2.2.1 Micro & Small 375,505 359,421 366,185 361,608 –3.7 0.6
1.2.2.2 Medium 106,395 103,487 105,170 105,214 –1.1 1.7
1.2.2.3 Large 2,403,878 2,174,144 2,340,677 2,331,538 –3.0 7.2
1.2.3 Services 2,415,609 2,007,545 2,284,715 2,312,871 –4.3 15.2
1.2.3.1 Transport Operators 138,524 124,286 141,710 140,947 1.7 13.4
1.2.3.2 Computer Software 18,535 18,123 18,312 18,212 –1.7 0.5
1.2.3.3 Tourism, Hotels & Restaurants 39,005 36,221 39,603 39,899 2.3 10.2
1.2.3.4 Shipping 7,748 6,645 6,080 5,879 –24.1 -11.5
1.2.3.5 Professional Services 171,517 154,875 168,679 166,562 –2.9 7.5
1.2.3.6 Trade 528,158 462,536 511,576 513,452 –2.8 11.0
1.2.3.6.1 Wholesale Trade 250,528 202,851 230,096 229,764 –8.3 13.3
1.2.3.6.2 Retail Trade 277,630 259,685 281,479 283,688 2.2 9.2
1.2.3.7 Commercial Real Estate 202,291 181,762 205,495 208,627 3.1 14.8
1.2.3.8 Non-Banking Financial Companies (NBFCs) 641,208 473,497 635,098 636,733 –0.7 34.5
1.2.3.9 Other Services 668,623 549,601 558,161 582,558 –12.9 6.0
1.2.4 Personal Loans 2,220,732 1,944,478 2,253,843 2,275,540 2.5 17.0
1.2.4.1 Consumer Durables 6,299 20,470 5,770 5,623 –10.7 -72.5
1.2.4.2 Housing 1,160,111 1,006,311 1,187,027 1,199,806 3.4 19.2
1.2.4.3 Advances against Fixed Deposits 82,873 64,353 67,105 64,901 –21.7 0.9
1.2.4.4 Advances to Individuals against share & bond 6,265 5,950 5,368 5,396 –13.9 -9.3
1.2.4.5 Credit Card Outstanding 88,262 74,279 94,890 93,974 6.5 26.5
1.2.4.6 Education 67,988 68,908 67,641 67,665 –0.5 -1.8
1.2.4.7 Vehicle Loans 202,154 191,823 200,419 201,318 –0.4 4.9
1.2.4.8 Other Personal Loans 606,780 512,383 625,622 636,857 5.0 24.3
1.2A Priority Sector 2,739,021 2,532,437 2,751,954 2,716,953 –0.8 7.3
1.2A.1 Agriculture & Allied Activities 1,104,988 1,032,197 1,118,660 1,102,240 –0.2 6.8
1.2A.2 Micro & Small Enterprises 1,067,175 971,650 1,062,806 1,047,483 –1.8 7.8
1.2A.2.1 Manufacturing 375,505 359,421 366,185 361,608 –3.7 0.6
1.2A.2.2 Services 691,670 612,229 696,621 685,875 –0.8 12.0
1.2A.3 Housing 432,703 389,288 440,022 441,976 2.1 13.5
1.2A.4 Micro-Credit 24,101 20,754 28,690 31,593 31.1 52.2
1.2A.5 Education Loans 53,950 57,414 54,237 53,659 –0.5 -6.5
1.2A.6 State-Sponsored Orgs. for SC/ST 397 350 383 385 –3.0 10.0
1.2A.7 Weaker Sections 662,628 582,490 701,478 678,242 2.4 16.4
1.2A.8 Export Credit 15,566 21,889 14,279 14,155 –9.1 -35.3
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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