| (₹ crore) | | Items | End-March | End-March | End-March | End-September | Percentage Variation | | 2023 | 2024 | 2025 | 2025 | 2024-25 | | 1 | 2 | 3 | 4 | 5 | 6 | | Gross Advances (1 to 5) | 34,13,804 | 40,52,732 | 48,38,744 | 52,05,544 | 19.4 | | 1. Agriculture and Allied Activities | 60,717 | 84,712 | 82,059 | 87,840 | -3.1 | | 2. Industry (2.1 to 2.2 equals 2.a to 2.d) | 17,36,685 | 19,37,033 | 22,91,605 | 23,94,110 | 18.3 | | 2.1 Power | 9,40,408 | 11,26,554 | 12,85,589 | 13,21,790 | 14.1 | | 2.2 Others | 7,96,277 | 8,10,479 | 10,06,016 | 10,72,320 | 24.1 | | Total 2.a to 2.d | 17,36,685 | 19,37,032 | 22,91,605 | 23,94,110 | 18.3 | | 2.a Micro and Small | 89,931 | 1,03,138 | 1,25,723 | 1,41,181 | 21.9 | | 2.b Medium | 19,479 | 21,297 | 23,510 | 25,251 | 10.4 | | 2.c Large | 10,27,341 | 12,37,653 | 13,96,438 | 14,49,186 | 12.8 | | 2.d Others | 5,99,934 | 5,74,944 | 7,45,934 | 7,78,493 | 29.7 | | 3. Services (3.1 to 3.10 equals 3.a to 3.d) | 4,52,917 | 5,73,198 | 7,44,181 | 8,01,470 | 29.8 | | 3.1 Transport Operators | 1,02,886 | 1,32,778 | 1,61,937 | 1,66,426 | 22.0 | | 3.2 Computer Software | 2,110 | 3,083 | 3,534 | 4,488 | 14.6 | | 3.3 Tourism, Hotel and Restaurants | 7,547 | 7,451 | 10,927 | 12,869 | 46.6 | | 3.4 Shipping | 185 | 273 | 192 | 198 | -29.5 | | 3.5 Professional Services | 23,665 | 25,402 | 33,698 | 43,103 | 32.7 | | 3.6 Trade | 70,448 | 95,149 | 1,27,923 | 1,33,648 | 34.4 | | 3.6.1 Wholesale Trade (other than Food Procurement) | 10,754 | 16,156 | 24,837 | 26,964 | 53.7 | | 3.6.2 Retail Trade | 59,693 | 78,993 | 1,03,086 | 1,06,684 | 30.5 | | 3.7 Commercial Real Estate | 81,911 | 89,809 | 95,624 | 1,01,664 | 6.5 | | 3.8 NBFCs | 48,024 | 60,899 | 70,712 | 72,146 | 16.1 | | 3.9 Aviation | 826 | 503 | 458 | 615 | -9.0 | | 3.10 Other Services | 1,15,316 | 1,57,853 | 2,39,178 | 2,66,313 | 51.5 | | Total 3.a to 3.d | 4,52,917 | 5,73,198 | 7,44,181 | 8,01,470 | 29.8 | | 3.a Micro and Small | 1,33,000 | 2,11,865 | 3,01,830 | 3,31,232 | 42.5 | | 3.b Medium | 20,332 | 29,100 | 26,329 | 28,351 | -9.5 | | 3.c Large | 78,526 | 81,914 | 1,16,965 | 1,20,865 | 42.8 | | 3.d Others | 2,21,058 | 2,50,320 | 2,99,057 | 3,21,022 | 19.5 | | 4. Retail Loans (4.1 to 4.10) | 10,48,337 | 13,82,146 | 16,31,900 | 18,38,897 | 18.1 | | 4.1 Housing Loans (incl. priority sector Housing) | 32,172 | 33,822 | 46,392 | 71,219 | 37.2 | | 4.2 Consumer Durables | 31,541 | 40,957 | 48,379 | 55,460 | 18.1 | | 4.3 Credit Card Receivables | 44,007 | 55,736 | 61,781 | 66,272 | 10.8 | | 4.4 Vehicle/Auto Loans | 3,82,320 | 4,77,135 | 5,71,954 | 6,11,714 | 19.9 | | 4.5 Education Loans | 25,324 | 45,026 | 63,551 | 73,099 | 41.1 | | 4.6 Advances against Fixed Deposits (incl. FCNR(B), etc.) | 215 | 153 | 191 | 237 | 24.3 | | 4.7 Advances to Individuals against Shares, Bonds, etc. | 13,389 | 21,814 | 26,488 | 30,070 | 21.4 | | 4.8 Advances to Individuals against Gold | 1,29,787 | 1,54,315 | 2,08,482 | 2,61,728 | 35.1 | | 4.9 Micro finance loan/ SHG Loan | 1,16,707 | 1,50,750 | 1,33,186 | 1,24,089 | -11.7 | | 4.10 Other Retail Loans | 2,72,875 | 4,02,437 | 4,71,497 | 5,45,009 | 17.2 | | 5. Others | 1,15,149 | 75,643 | 88,998 | 83,227 | 17.7 | - : Not applicable or Not available or Nil
Notes: 1. Data are provisional. Percentage figures are rounded-off.
2. Data for NBFCs (excluding CICs, HFCs and SPDs) falling in upper and middle layers.
3. The data is based on the classification of NBFCs by layers as per the list of NBFCs registered with the RBI. Layer-wise identification of NBFCs up to March-2025 is based on their position as on December 31, 2024. For September-2025, the same position is considered, except where there was change in layer of NBFC between January and September 2025.
Source: Supervisory returns, RBI. | |