(₹ Crore) |
Sector | Outstanding as on | Growth(%) |
Mar. 22, 2024 | 2023 | 2024 | Financial year so far | Y-o-Y |
Oct. 20 | Sep. 20 | Oct. 18 | 2024-25 | 2024 |
1 | 2 | 3 | 4 | % | % |
I. Bank Credit (II + III) | 16432164 | 15457887 | 17125371 | 17238250 | 4.9 | 11.5 |
| (15901477) | (14871457) | (16648962) | (16772605) | (5.5) | (12.8) |
II. Food Credit | 23081 | 19841 | 19926 | 18654 | -19.2 | -6.0 |
III. Non-food Credit | 16409083 | 15438046 | 17105445 | 17219596 | 4.9 | 11.5 |
| (15878397) | (14851616) | (16629037) | (16753951) | (5.5) | (12.8) |
1. Agriculture & Allied Activities | 2071251 | 1909689 | 2167287 | 2205299 | 6.5 | 15.5 |
2. Industry (Micro and Small, Medium and Large) | 3652804 | 3498502 | 3801604 | 3774252 | 3.3 | 7.9 |
| (3635810) | (3480987) | (3786279) | (3759186) | (3.4) | (8.0) |
2.1 Micro and Small | 726315 | 681618 | 750825 | 749790 | 3.2 | 10.0 |
2.2 Medium | 303998 | 280699 | 334412 | 335822 | 10.5 | 19.6 |
2.3 Large | 2622490 | 2536185 | 2716366 | 2688640 | 2.5 | 6.0 |
3. Services | 4592227 | 4245994 | 4736957 | 4784938 | 4.2 | 12.7 |
| (4490467) | (4122802) | (4654649) | (4704550) | (4.8) | (14.1) |
3.1 Transport Operators | 230175 | 214259 | 245008 | 246407 | 7.1 | 15.0 |
3.2 Computer Software | 25917 | 24665 | 29760 | 30581 | 18.0 | 24.0 |
3.3 Tourism, Hotels & Restaurants | 77513 | 75612 | 78753 | 79732 | 2.9 | 5.4 |
3.4 Shipping | 7067 | 6620 | 7166 | 7782 | 10.1 | 17.6 |
3.5 Aviation | 43248 | 39419 | 44458 | 46168 | 6.8 | 17.1 |
3.6 Professional Services | 167234 | 153150 | 177730 | 186251 | 11.4 | 21.6 |
3.7 Trade | 1025752 | 960414 | 1072493 | 1079498 | 5.2 | 12.4 |
3.7.1. Wholesale Trade1 | 538744 | 499225 | 567242 | 571159 | 6.0 | 14.4 |
3.7.2 Retail Trade | 487008 | 461188 | 505251 | 508339 | 4.4 | 10.2 |
3.8 Commercial Real Estate | 469013 | 445596 | 497333 | 507671 | 8.2 | 13.9 |
| (400470) | (359499) | (441714) | (452869) | (13.1) | (26.0) |
3.9 Non-Banking Financial Companies (NBFCs)2 of which, | 1548027 | 1444263 | 1529006 | 1536655 | -0.7 | 6.4 |
3.9.1 Housing Finance Companies (HFCs) | 325626 | 322128 | 324354 | 321110 | -1.4 | -0.3 |
3.9.2 Public Financial Institutions (PFIs) | 226963 | 190547 | 203257 | 198320 | -12.6 | 4.1 |
3.10 Other Services3 | 998281 | 881996 | 1055250 | 1064193 | 6.6 | 20.7 |
| (978198) | (858939) | (1037408) | (1046715) | (7.0) | (21.9) |
4. Personal Loans | 5331290 | 5002636 | 5596719 | 5647476 | 5.9 | 12.9 |
| (4919468) | (4557230) | (5219246) | (5278594) | (7.3) | (15.8) |
4.1 Consumer Durables | 23713 | 22178 | 23764 | 23640 | -0.3 | 6.6 |
4.2 Housing | 2718715 | 2561961 | 2845505 | 2871845 | 5.6 | 12.1 |
| (2331935) | (2144011) | (2490574) | (2525138) | (8.3) | (17.8) |
4.3 Advances against Fixed Deposits | 125239 | 114983 | 125694 | 127533 | 1.8 | 10.9 |
4.4 Advances to Individuals against share & bonds | 8492 | 7812 | 9546 | 9060 | 6.7 | 16.0 |
4.5 Credit Card Outstanding | 257016 | 240635 | 271813 | 281392 | 9.5 | 16.9 |
4.6 Education | 119380 | 110852 | 129116 | 130309 | 9.2 | 17.6 |
4.7 Vehicle Loans | 589251 | 553141 | 617180 | 616405 | 4.6 | 11.4 |
4.8 Loan against gold jewellery | 102562 | 98747 | 147081 | 154282 | 50.4 | 56.2 |
4.9 Other Personal Loans | 1386921 | 1292327 | 1427020 | 1433009 | 3.3 | 10.9 |
| (1362113) | (1265407) | (1404553) | (1410905) | (3.6) | (11.5) |
5. Priority Sector (Memo) | | | | | | |
(i) Agriculture & Allied Activities4 | 2081856 | 1934682 | 2164159 | 2200460 | 5.7 | 13.7 |
(ii) Micro & Small Enterprises5 | 1974191 | 1849829 | 2057867 | 2076956 | 5.2 | 12.3 |
(iii) Medium Enterprises6 | 490703 | 461739 | 543388 | 557829 | 13.7 | 20.8 |
(iv) Housing | 755222 | 743033 | 750223 | 752216 | -0.4 | 1.2 |
| (660572) | (643177) | (663719) | (665965) | (0.8) | (3.5) |
(v) Education Loans | 62235 | 61110 | 62389 | 62673 | 0.7 | 2.6 |
(vi) Renewable Energy | 5991 | 5007 | 6778 | 7122 | 18.9 | 42.2 |
(vii) Social Infrastructure | 2613 | 2607 | 1124 | 1120 | -57.1 | -57.0 |
(viii) Export Credit | 11774 | 11844 | 11290 | 12094 | 2.7 | 2.1 |
(ix) Others | 61336 | 59553 | 58561 | 58045 | -5.4 | -2.5 |
(x) Weaker Sections including net PSLC- SF/MF | 1647778 | 1555743 | 1711473 | 1742896 | 5.8 | 12.0 |
Notes: (1) Data are provisional. Bank credit, Food credit and Non-food credit data are based on Section-42 return, which covers all scheduled commercial banks (SCBs), while sectoral non-food credit data are based on sector-wise and industry-wise bank credit (SIBC) return, which covers select banks accounting for about 95 per cent of total non-food credit extended by all SCBs, pertaining to the last reporting Friday of the month. (2) Data since July 28, 2023 include the impact of the merger of a non-bank with a bank. Figures in parentheses exclude the impact of the merger. 1 Wholesale trade includes food procurement credit outside the food credit consortium. 2 NBFCs include HFCs, PFIs, Microfinance Institutions (MFIs), NBFCs engaged in gold loan and others. 3 “Other Services” include Mutual Fund (MFs), Banking and Finance other than NBFCs and MFs and other services which are not indicated elsewhere under services. 4 “Agriculture and Allied Activities” under the priority sector also include priority sector lending certificates (PSLCs). 5 “Micro and Small Enterprises” under the priority sector include credit to micro and small enterprises in industry and services sectors and also include PSLCs. 6 “Medium Enterprises” under the priority sector include credit to medium enterprises in industry and services sectors. |