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15. Deployment of Gross Bank Credit by Major Sectors
Date : Mar 11, 2020
(₹ Crore)
Item Outstanding as on Growth (%)
Mar. 29, 2019 2019 2020 Financial year so far Y-o-Y
Jan. 18 Dec. 20 Jan. 31 2019-20 2020
1 2 3 4 5 6
1 Gross Bank Credit 8674893 8274989 8822209 8978800 3.5 8.5
1.1 Food Credit 41474 70700 84863 78664 89.7 11.3
1.2 Non-food Credit 8633419 8204289 8737346 8900136 3.1 8.5
1.2.1 Agriculture & Allied Activities 1111300 1083159 1139092 1153386 3.8 6.5
1.2.2 Industry 2885778 2750038 2794372 2817525 –2.4 2.5
1.2.2.1 Micro & Small 375505 371022 365398 373050 –0.7 0.5
1.2.2.2 Medium 106395 103951 107166 106813 0.4 2.8
1.2.2.3 Large 2403878 2275065 2321808 2337662 –2.8 2.8
1.2.3 Services 2415609 2234030 2370600 2431975 0.7 8.9
1.2.3.1 Transport Operators 138524 133198 140438 141293 2.0 6.1
1.2.3.2 Computer Software 18535 18858 18597 18775 1.3 -0.4
1.2.3.3 Tourism, Hotels & Restaurants 39005 38682 44745 45394 16.4 17.4
1.2.3.4 Shipping 7748 7501 6548 6682 –13.8 -10.9
1.2.3.5 Professional Services 171517 169261 172553 172686 0.7 2.0
1.2.3.6 Trade 528158 495938 513987 519547 –1.6 4.8
1.2.3.6.1 Wholesale Trade 250528 218556 228558 237341 –5.3 8.6
1.2.3.6.2 Retail Trade 277630 277381 285429 282206 1.6 1.7
1.2.3.7 Commercial Real Estate 202291 198112 219585 227266 12.3 14.7
1.2.3.8 Non-Banking Financial Companies (NBFCs) 641208 557602 728561 737198 15.0 32.2
1.2.3.9 Other Services 668623 614880 525586 563134 –15.8 -8.4
1.2.4 Personal Loans 2220732 2137063 2433282 2497250 12.5 16.9
1.2.4.1 Consumer Durables 6299 4568 5450 6453 2.4 41.3
1.2.4.2 Housing 1160111 1120792 1289637 1316481 13.5 17.5
1.2.4.3 Advances against Fixed Deposits 82873 68721 64441 67240 –18.9 -2.2
1.2.4.4 Advances to Individuals against share & bond 6265 5841 5072 5185 –17.2 -11.2
1.2.4.5 Credit Card Outstanding 88262 84237 105905 110864 25.6 31.6
1.2.4.6 Education 67988 69175 66895 67038 –1.4 -3.1
1.2.4.7 Vehicle Loans 202154 200582 213601 220240 8.9 9.8
1.2.4.8 Other Personal Loans 606780 583147 682281 703749 16.0 20.7
1.2A Priority Sector 2739021 2664619 2787852 2772197 1.2 4.0
1.2A.1 Agriculture & Allied Activities 1104988 1076840 1133239 1142576 3.4 6.1
1.2A.2 Micro & Small Enterprises 1067175 1018050 1061953 1100615 3.1 8.1
1.2A.2.1 Manufacturing 375505 371022 365398 373050 –0.7 0.5
1.2A.2.2 Services 691670 647028 696555 727566 5.2 12.4
1.2A.3 Housing 432703 428701 456989 461089 6.6 7.6
1.2A.4 Micro-Credit 24101 23521 35104 36176 50.1 53.8
1.2A.5 Education Loans 53950 56584 53215 53101 –1.6 -6.2
1.2A.6 State-Sponsored Orgs. for SC/ST 397 383 395 413 4.0 7.8
1.2A.7 Weaker Sections 662628 608556 711799 715057 7.9 17.5
1.2A.8 Export Credit 15566 17519 15152 13503 –13.3 -22.9
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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