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15. Deployment of Gross Bank Credit by Major Sectors
Date : Jun 10, 2020
(₹ Crore)
Item Outstanding as on Growth (%)
Mar. 27, 2020 2019 2020 Financial year so far Y-o-Y
Apr. 26 Mar. 27 Apr. 24 2020-21 2020
1 2 3 4 5 6
1 Gross Bank Credit 9263134 8524065 9263134 9153122 -1.2 7.4
1.1 Food Credit 51590 43033 51590 52474 1.7 21.9
1.2 Non-food Credit 9211544 8481032 9211544 9100648 –1.2 7.3
1.2.1 Agriculture & Allied Activities 1157795 1107970 1157795 1151330 –0.6 3.9
1.2.2 Industry 2905151 2835204 2905151 2884372 –0.7 1.7
1.2.2.1 Micro & Small 381825 366577 381825 358340 –6.2 -2.2
1.2.2.2 Medium 105598 106283 105598 99458 –5.8 -6.4
1.2.2.3 Large 2417728 2362344 2417728 2426574 0.4 2.7
1.2.3 Services 2594946 2315042 2594946 2574155 –0.8 11.2
1.2.3.1 Transport Operators 144466 140924 144466 148733 3.0 5.5
1.2.3.2 Computer Software 20051 18625 20051 20157 0.5 8.2
1.2.3.3 Tourism, Hotels & Restaurants 45977 39879 45977 45862 –0.3 15.0
1.2.3.4 Shipping 6558 6482 6558 6491 –1.0 0.1
1.2.3.5 Professional Services 177085 171279 177085 173346 –2.1 1.2
1.2.3.6 Trade 552392 507357 552392 545240 –1.3 7.5
1.2.3.6.1 Wholesale Trade 263397 226653 263397 249316 –5.3 10.0
1.2.3.6.2 Retail Trade 288995 280704 288995 295924 2.4 5.4
1.2.3.7 Commercial Real Estate 229770 200296 229770 229926 0.1 14.8
1.2.3.8 Non-Banking Financial Companies (NBFCs) 807383 623418 807383 812388 0.6 30.3
1.2.3.9 Other Services 611264 606782 611264 592012 –3.1 -2.4
1.2.4 Personal Loans 2553652 2222816 2553652 2490791 –2.5 12.1
1.2.4.1 Consumer Durables 9298 6200 9298 8908 –4.2 43.7
1.2.4.2 Housing 1338964 1168623 1338964 1330709 –0.6 13.9
1.2.4.3 Advances against Fixed Deposits 79496 67389 79496 67905 –14.6 0.8
1.2.4.4 Advances to Individuals against share & bond 5334 5692 5334 4818 –9.7 -15.4
1.2.4.5 Credit Card Outstanding 108094 92526 108094 96978 –10.3 4.8
1.2.4.6 Education 65745 67546 65745 65246 –0.8 -3.4
1.2.4.7 Vehicle Loans 220609 199817 220609 216968 –1.7 8.6
1.2.4.8 Other Personal Loans 726112 615023 726112 699259 –3.7 13.7
1.2A Priority Sector 2897461 2729851 2897461 2811116 –3.0 3.0
1.2A.1 Agriculture & Allied Activities 1146624 1101235 1146624 1145120 –0.1 4.0
1.2A.2 Micro & Small Enterprises 1149394 1065969 1149394 1100834 –4.2 3.3
1.2A.2.1 Manufacturing 381825 366577 381825 358340 –6.2 -2.2
1.2A.2.2 Services 767568 699392 767568 742494 –3.3 6.2
1.2A.3 Housing 449945 432122 449945 459911 2.2 6.4
1.2A.4 Micro-Credit 38237 27331 38237 35154 –8.1 28.6
1.2A.5 Education Loans 51906 53814 51906 52003 0.2 -3.4
1.2A.6 State-Sponsored Orgs. for SC/ST 388 392 388 395 1.8 0.8
1.2A.7 Weaker Sections 731409 677013 731409 743790 1.7 9.9
1.2A.8 Export Credit 16114 15212 16114 16690 3.6 9.7
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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