| (₹ Crore) |
| Sector | Outstanding as on | Growth(%) |
| Mar. 21, 2025 | 2024 | 2025 | Financial year so far | Y-o-Y |
| Jul. 26 | Jun. 27 | Jul. 25 | 2025-26 | 2025 |
| 1 | 2 | 3 | 4 | % | % |
| I. Bank Credit (II + III) | 18243936 | 16814792 | 18483098 | 18501872 | 1.4 | 10.0 |
| II. Food Credit | 36531 | 28190 | 64389 | 56674 | 55.1 | 101.0 |
| III. Non-food Credit | 18207404 | 16786602 | 18418709 | 18445197 | 1.3 | 9.9 |
| 1. Agriculture & Allied Activities | 2287071 | 2156320 | 2305993 | 2313845 | 1.2 | 7.3 |
| 2. Industry (Micro and Small, Medium and Large) | 3937149 | 3724547 | 3947139 | 3947778 | 0.3 | 6.0 |
| 2.1 Micro and Small | 791721 | 729948 | 872577 | 883101 | 11.5 | 21.0 |
| 2.2 Medium | 360475 | 317323 | 357618 | 363994 | 1.0 | 14.7 |
| 2.3 Large | 2784953 | 2677277 | 2716943 | 2700683 | -3.0 | 0.9 |
| 3. Services | 5161462 | 4623910 | 5140226 | 5113966 | -0.9 | 10.6 |
| 3.1 Transport Operators | 258409 | 244262 | 266029 | 265924 | 2.9 | 8.9 |
| 3.2 Computer Software | 32915 | 27356 | 36232 | 36579 | 11.1 | 33.7 |
| 3.3 Tourism, Hotels & Restaurants | 83091 | 79202 | 84781 | 85458 | 2.8 | 7.9 |
| 3.4 Shipping | 7305 | 7076 | 8042 | 8727 | 19.5 | 23.3 |
| 3.5 Aviation | 46026 | 44637 | 50750 | 45213 | -1.8 | 1.3 |
| 3.6 Professional Services | 195956 | 171393 | 196406 | 194935 | -0.5 | 13.7 |
| 3.7 Trade | 1186787 | 1043753 | 1174129 | 1179121 | -0.6 | 13.0 |
| 3.7.1. Wholesale Trade¹ | 648619 | 545170 | 629888 | 637065 | -1.8 | 16.9 |
| 3.7.2 Retail Trade | 538168 | 498582 | 544241 | 542056 | 0.7 | 8.7 |
| 3.8 Commercial Real Estate | 532757 | 484531 | 555519 | 560514 | 5.2 | 15.7 |
| 3.9 Non-Banking Financial Companies (NBFCs)² of which, | 1636098 | 1528856 | 1596490 | 1568925 | -4.1 | 2.6 |
| 3.9.1 Housing Finance Companies (HFCs) | 323146 | 322052 | 331346 | 315767 | -2.3 | -2.0 |
| 3.9.2 Public Financial Institutions (PFIs) | 228678 | 202991 | 211702 | 198406 | -13.2 | -2.3 |
| 3.10 Other Services³ | 1182118 | 992845 | 1171848 | 1168570 | -1.1 | 17.7 |
| 4. Personal Loans | 5952299 | 5507740 | 6126535 | 6161047 | 3.5 | 11.9 |
| 4.1 Consumer Durables | 23402 | 24606 | 23376 | 23114 | -1.2 | -6.1 |
| 4.2 Housing | 3010477 | 2810108 | 3067120 | 3081152 | 2.3 | 9.6 |
| 4.3 Advances against Fixed Deposits | 141101 | 120373 | 145540 | 140433 | -0.5 | 16.7 |
| 4.4 Advances to Individuals against share & bonds | 10080 | 9422 | 9886 | 9730 | -3.5 | 3.3 |
| 4.5 Credit Card Outstanding | 284366 | 275601 | 292602 | 291088 | 2.4 | 5.6 |
| 4.6 Education | 137456 | 123066 | 139587 | 141537 | 3.0 | 15.0 |
| 4.7 Vehicle Loans | 622794 | 590981 | 642866 | 643654 | 3.3 | 8.9 |
| 4.8 Loan against gold jewellery⁴ | 208735 | 132535 | 277025 | 294166 | 40.9 | 122.0 |
| 4.9 Other Personal Loans | 1513889 | 1421047 | 1528534 | 1536172 | 1.5 | 8.1 |
| 5. Priority Sector (Memo) | | | | | | |
| (i) Agriculture & Allied Activities⁵ | 2287804 | 2196939 | 2274259 | 2288548 | 0.0 | 4.2 |
| (ii) Micro & Small Enterprises⁶ | 2240503 | 1998597 | 2460012 | 2489085 | 11.1 | 24.5 |
| (iii) Medium Enterprises⁷ | 601451 | 511874 | 591992 | 596343 | -0.8 | 16.5 |
| (iv) Housing | 746651 | 748840 | 856626 | 940427 | 26.0 | 25.6 |
| (v) Education Loans | 62825 | 61523 | 64355 | 68839 | 9.6 | 11.9 |
| (vi) Renewable Energy | 10325 | 7075 | 12563 | 12160 | 17.8 | 71.9 |
| (vii) Social Infrastructure | 1316 | 2937 | 828 | 943 | -28.4 | -67.9 |
| (viii) Export Credit | 12479 | 12298 | 13047 | 12875 | 3.2 | 4.7 |
| (ix) Others | 47900 | 58548 | 46467 | 44331 | -7.5 | -24.3 |
| (x) Weaker Sections including net PSLC- SF/MF | 1820904 | 1743686 | 1825579 | 1842667 | 1.2 | 5.7 |
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.
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. |