| (₹ Crore) |
| Sector | Outstanding as on | Growth(%) |
| Mar. 22, 2024 | 2024 | 2025 | Financial year so far | Y-o-Y |
| Mar. 22 | Feb. 21 | Mar. 21 | 2024-25 | 2025 |
| 1 | 2 | 3 | 4 | % | % |
| I. Bank Credit (II + III) | 16432164 | 16432164 | 17989988 | 18243936 | 11.0 | 11.0 |
| | (15901477) | (15901477) | (17556785) | (17822569) | (12.1) | (12.1) |
| II. Food Credit | 23081 | 23081 | 47448 | 36531 | 58.3 | 58.3 |
| III. Non-food Credit | 16409083 | 16409083 | 17942540 | 18207404 | 11.0 | 11.0 |
| | (15878397) | (15878397) | (17509338) | (17786038) | (12.0) | (12.0) |
| 1. Agriculture & Allied Activities | 2071251 | 2071251 | 2264312 | 2287071 | 10.4 | 10.4 |
| 2. Industry (Micro and Small, Medium and Large) | 3652804 | 3652804 | 3875386 | 3937149 | 7.8 | 7.8 |
| | (3635810) | (3635810) | (3863437) | (3925089) | (8.0) | (8.0) |
| 2.1 Micro and Small | 726315 | 726315 | 784802 | 791721 | 9.0 | 9.0 |
| 2.2 Medium | 303998 | 303998 | 352907 | 360475 | 18.6 | 18.6 |
| 2.3 Large | 2622490 | 2622490 | 2737676 | 2784953 | 6.2 | 6.2 |
| 3. Services | 4592227 | 4592227 | 5056929 | 5161462 | 12.4 | 12.4 |
| | (4490467) | (4490467) | (4987504) | (5094021) | (13.4) | (13.4) |
| 3.1 Transport Operators | 230175 | 230175 | 257630 | 258409 | 12.3 | 12.3 |
| 3.2 Computer Software | 25917 | 25917 | 33062 | 32915 | 27.0 | 27.0 |
| 3.3 Tourism, Hotels & Restaurants | 77513 | 77513 | 82022 | 83091 | 7.2 | 7.2 |
| 3.4 Shipping | 7067 | 7067 | 7411 | 7305 | 3.4 | 3.4 |
| 3.5 Aviation | 43248 | 43248 | 45928 | 46026 | 6.4 | 6.4 |
| 3.6 Professional Services | 167234 | 167234 | 192799 | 195956 | 17.2 | 17.2 |
| 3.7 Trade | 1025752 | 1025752 | 1157875 | 1186787 | 15.7 | 15.7 |
| 3.7.1. Wholesale Trade1 | 538744 | 538744 | 632612 | 648619 | 20.4 | 20.4 |
| 3.7.2 Retail Trade | 487008 | 487008 | 525263 | 538168 | 10.5 | 10.5 |
| 3.8 Commercial Real Estate | 469013 | 469013 | 526161 | 532757 | 13.6 | 13.6 |
| | (400470) | (400470) | (481011) | (488689) | (22.0) | (22.0) |
| 3.9 Non-Banking Financial Companies (NBFCs)2 of which, | 1548027 | 1548027 | 1612332 | 1636098 | 5.7 | 5.7 |
| 3.9.1 Housing Finance Companies (HFCs) | 325626 | 325626 | 324575 | 323146 | -0.8 | -0.8 |
| 3.9.2 Public Financial Institutions (PFIs) | 226963 | 226963 | 217593 | 228678 | 0.8 | 0.8 |
| 3.10 Other Services3 | 998281 | 998281 | 1141708 | 1182118 | 18.4 | 18.4 |
| | (978198) | (978198) | (1125683) | (1166422) | (19.2) | (19.2) |
| 4. Personal Loans | 5331290 | 5331290 | 5878918 | 5952299 | 11.6 | 11.6 |
| | (4919468) | (4919468) | (5527053) | (5610478) | (14.0) | (14.0) |
| 4.1 Consumer Durables | 23713 | 23713 | 24506 | 23402 | -1.3 | -1.3 |
| 4.2 Housing | 2718715 | 2718715 | 2978759 | 3010477 | 10.7 | 10.7 |
| | (2331935) | (2331935) | (2647643) | (2689068) | (15.3) | (15.3) |
| 4.3 Advances against Fixed Deposits | 125239 | 125239 | 134519 | 141101 | 12.7 | 12.7 |
| 4.4 Advances to Individuals against share & bonds | 8492 | 8492 | 9808 | 10080 | 18.7 | 18.7 |
| 4.5 Credit Card Outstanding | 257016 | 257016 | 287047 | 284366 | 10.6 | 10.6 |
| 4.6 Education | 119380 | 119380 | 136821 | 137456 | 15.1 | 15.1 |
| 4.7 Vehicle Loans | 573398 | 573398 | 619783 | 622794 | 8.6 | 8.6 |
| 4.8 Loan against gold jewellery4 | 102562 | 102562 | 191198 | 208735 | 103.5 | 103.5 |
| 4.9 Other Personal Loans | 1402775 | 1402775 | 1496477 | 1513889 | 7.9 | 7.9 |
| | (1377966) | (1377966) | (1475779) | (1493525) | (8.4) | (8.4) |
| 5. Priority Sector (Memo) | - | | | | | |
| (i) Agriculture & Allied Activities5 | 2081856 | 2081856 | 2256770 | 2287804 | 9.9 | 9.9 |
| (ii) Micro & Small Enterprises6 | 1974191 | 1974191 | 2223843 | 2240503 | 13.5 | 13.5 |
| (iii) Medium Enterprises7 | 490703 | 490703 | 584585 | 601451 | 22.6 | 22.6 |
| (iv) Housing | 755222 | 755222 | 747435 | 746651 | -1.1 | -1.1 |
| | (660572) | (660572) | (664855) | (665107) | (0.7) | (0.7) |
| (v) Education Loans | 62235 | 62235 | 62831 | 62825 | 0.9 | 0.9 |
| (vi) Renewable Energy | 5991 | 5991 | 8491 | 10325 | 72.3 | 72.3 |
| (vii) Social Infrastructure | 2613 | 2613 | 1233 | 1316 | -49.6 | -49.6 |
| (viii) Export Credit | 11774 | 11774 | 11827 | 12361 | 5.0 | 5.0 |
| (ix) Others | 61336 | 61336 | 50007 | 47900 | -21.9 | -21.9 |
| (x) Weaker Sections including net PSLC- SF/MF | 1647778 | 1647778 | 1789945 | 1820904 | 10.5 | 10.5 |
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 Since May 2024, a bank has changed the classification of a category of agricultural loan into “Loans against gold jewellery” under retail segment.
5 “Agriculture and Allied Activities” under the priority sector also include priority sector lending certificates (PSLCs).
6 “Micro and Small Enterprises” under the priority sector include credit to micro and small enterprises in industry and services sectors and also include PSLCs.
7 “Medium Enterprises” under the priority sector include credit to medium enterprises in industry and services sectors. |