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15. Deployment of Gross Bank Credit by Major Sectors
Date : Oct 12, 2020
(₹ Crore)
Item Outstanding as on Growth (%)
Mar. 27, 2020 2019 2020 Financial year so far Y-o-Y
Aug. 30 Jul. 31 Aug. 28 2020-21 2020
1 2 3 4 5 6
1 Gross Bank Credit 9263134 8594549 9148074 9112035 -1.6 6.0
1.1 Food Credit 51590 62182 79023 65708 27.4 5.7
1.2 Non-food Credit 9211544 8532367 9069051 9046327 –1.8 6.0
1.2.1 Agriculture & Allied Activities 1157796 1113026 1169273 1168075 0.9 4.9
1.2.2 Industry 2905151 2765215 2821316 2778672 –4.4 0.5
1.2.2.1 Micro & Small 381825 358885 354728 354546 –7.1 -1.2
1.2.2.2 Medium 105598 104436 101994 107386 1.7 2.8
1.2.2.3 Large 2417728 2301894 2364594 2316740 –4.2 0.6
1.2.3 Services 2594945 2350197 2547228 2551467 –1.7 8.6
1.2.3.1 Transport Operators 144466 141243 148727 148575 2.8 5.2
1.2.3.2 Computer Software 20051 18761 21167 20089 0.2 7.1
1.2.3.3 Tourism, Hotels & Restaurants 45977 40221 47383 47282 2.8 17.6
1.2.3.4 Shipping 6557 5955 5178 4987 –23.9 -16.3
1.2.3.5 Professional Services 177085 169097 176815 175191 –1.1 3.6
1.2.3.6 Trade 552392 504278 560579 567367 2.7 12.5
1.2.3.6.1 Wholesale Trade 263397 221053 267712 265152 0.7 19.9
1.2.3.6.2 Retail Trade 288995 283225 292867 302215 4.6 6.7
1.2.3.7 Commercial Real Estate 229770 216388 233200 230759 0.4 6.6
1.2.3.8 Non-Banking Financial Companies (NBFCs) 807383 680360 793451 796763 –1.3 17.1
1.2.3.9 Other Services 611264 573894 560728 560454 –8.3 -2.3
1.2.4 Personal Loans 2553652 2303929 2531234 2548113 –0.2 10.6
1.2.4.1 Consumer Durables 9298 5484 9127 9053 –2.6 65.1
1.2.4.2 Housing 1338964 1214771 1347565 1349501 0.8 11.1
1.2.4.3 Advances against Fixed Deposits 79496 62607 62317 62568 –21.3 -0.1
1.2.4.4 Advances to Individuals against share & bond 5334 5087 6392 6313 18.4 24.1
1.2.4.5 Credit Card Outstanding 108094 97650 101391 104833 –3.0 7.4
1.2.4.6 Education 65745 68457 65100 64865 –1.3 -5.2
1.2.4.7 Vehicle Loans 220609 202662 217697 219769 –0.4 8.4
1.2.4.8 Other Personal Loans 726112 647211 721645 731211 0.7 13.0
1.2A Priority Sector 2897461 2721947 2828526 2842996 –1.9 4.4
1.2A.1 Agriculture & Allied Activities 1146624 1105805 1155451 1154411 0.7 4.4
1.2A.2 Micro & Small Enterprises 1149394 1048364 1100578 1104504 –3.9 5.4
1.2A.2.1 Manufacturing 381826 358885 354728 354546 –7.1 -1.2
1.2A.2.2 Services 767568 689479 745850 749958 –2.3 8.8
1.2A.3 Housing 449945 444823 464437 473151 5.2 6.4
1.2A.4 Micro-Credit 38237 31376 32817 32139 –15.9 2.4
1.2A.5 Education Loans 51906 53983 51434 52013 0.2 -3.6
1.2A.6 State-Sponsored Orgs. for SC/ST 388 402 410 443 14.2 10.2
1.2A.7 Weaker Sections 731409 682231 742426 743473 1.6 9.0
1.2A.8 Export Credit 16114 13139 15237 13959 –13.4 6.2
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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