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15. Deployment of Gross Bank Credit by Major Sectors
Date : Dec 24, 2024
(₹ 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.

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