| (₹ Crore) |
| Sector | Outstanding as on | Growth(%) |
| Mar. 21, 2025 | 2024 | 2025 | Financial year so far | Y-o-Y |
| Sep. 20 | Aug. 22 | Sep. 19 | 2025-26 | 2025 |
| 1 | 2 | 3 | 4 | % | % |
| I. Bank Credit (II + III) | 18243972 | 17125052 | 18644997 | 18902934 | 3.6 | 10.4 |
| II. Food Credit | 36531 | 19926 | 50456 | 45284 | 24.0 | 127.3 |
| III. Non-food Credit | 18207441 | 17105126 | 18594541 | 18857649 | 3.6 | 10.2 |
| 1. Agriculture & Allied Activities | 2287061 | 2167287 | 2324719 | 2361593 | 3.3 | 9.0 |
| 2. Industry (Micro and Small, Medium and Large) | 3935857 | 3801604 | 4002072 | 4080522 | 3.7 | 7.3 |
| 2.1 Micro and Small | 790430 | 750825 | 898780 | 916188 | 15.9 | 22.0 |
| 2.2 Medium | 360475 | 334412 | 367293 | 382327 | 6.1 | 14.3 |
| 2.3 Large | 2784953 | 2716366 | 2735998 | 2782006 | -0.1 | 2.4 |
| 3. Services | 5161542 | 4736957 | 5137774 | 5219318 | 1.1 | 10.2 |
| 3.1 Transport Operators | 258409 | 245008 | 266868 | 267295 | 3.4 | 9.1 |
| 3.2 Computer Software | 32915 | 29760 | 37829 | 37978 | 15.4 | 27.6 |
| 3.3 Tourism, Hotels & Restaurants | 83091 | 78753 | 85840 | 87990 | 5.9 | 11.7 |
| 3.4 Shipping | 7305 | 7166 | 8923 | 9585 | 31.2 | 33.8 |
| 3.5 Aviation | 46026 | 44458 | 45857 | 46286 | 0.6 | 4.1 |
| 3.6 Professional Services | 195956 | 177730 | 197147 | 195596 | -0.2 | 10.1 |
| 3.7 Trade | 1187030 | 1072493 | 1183548 | 1198879 | 1.0 | 11.8 |
| 3.7.1. Wholesale Trade¹ | 648619 | 567242 | 635841 | 640595 | -1.2 | 12.9 |
| 3.7.2 Retail Trade | 538410 | 505251 | 547706 | 558284 | 3.7 | 10.5 |
| 3.8 Commercial Real Estate | 532757 | 497333 | 560651 | 574656 | 7.9 | 15.5 |
| 3.9 Non-Banking Financial Companies (NBFCs)² of which, | 1635737 | 1529006 | 1574362 | 1589195 | -2.8 | 3.9 |
| 3.9.1 Housing Finance Companies (HFCs) | 323146 | 324354 | 318570 | 324965 | 0.6 | 0.2 |
| 3.9.2 Public Financial Institutions (PFIs) | 228678 | 203257 | 199719 | 205393 | -10.2 | 1.1 |
| 3.10 Other Services³ | 1182316 | 1055250 | 1176749 | 1211859 | 2.5 | 14.8 |
| 4. Personal Loans | 5953521 | 5596719 | 6213373 | 6254274 | 5.1 | 11.7 |
| 4.1 Consumer Durables | 23402 | 23764 | 22921 | 22279 | -4.8 | -6.2 |
| 4.2 Housing | 3010477 | 2845505 | 3108791 | 3132868 | 4.1 | 10.1 |
| 4.3 Advances against Fixed Deposits | 141101 | 125694 | 142074 | 143143 | 1.4 | 13.9 |
| 4.4 Advances to Individuals against share & bonds | 10080 | 9546 | 9807 | 9835 | -2.4 | 3.0 |
| 4.5 Credit Card Outstanding | 284366 | 271813 | 288691 | 281823 | -0.9 | 3.7 |
| 4.6 Education | 137456 | 129116 | 144539 | 147176 | 7.1 | 14.0 |
| 4.7 Vehicle Loans | 622794 | 602367 | 647829 | 646242 | 3.8 | 7.3 |
| 4.8 Loan against gold jewellery⁴ | 208735 | 147081 | 305814 | 316042 | 51.4 | 114.9 |
| 4.9 Other Personal Loans | 1515112 | 1441833 | 1542907 | 1554867 | 2.6 | 7.8 |
| 5. Priority Sector (Memo) | | | | | | |
| (i) Agriculture & Allied Activities⁵ | 2287794 | 2164159 | 2310308 | 2327797 | 1.7 | 7.6 |
| (ii) Micro & Small Enterprises⁶ | 2239409 | 2057867 | 2510253 | 2520120 | 12.5 | 22.5 |
| (iii) Medium Enterprises⁷ | 601451 | 543388 | 604659 | 627019 | 4.3 | 15.4 |
| (iv) Housing | 746651 | 750223 | 945763 | 974644 | 30.5 | 29.9 |
| (v) Education Loans | 62825 | 62389 | 70067 | 70834 | 12.7 | 13.5 |
| (vi) Renewable Energy | 10325 | 6778 | 13235 | 14842 | 43.7 | 119.0 |
| (vii) Social Infrastructure | 1316 | 1124 | 936 | 939 | -28.6 | -16.4 |
| (viii) Export Credit | 12479 | 11410 | 12529 | 11755 | -5.8 | 3.0 |
| (ix) Others | 49552 | 58561 | 44088 | 43466 | -12.3 | -25.8 |
| (x) Weaker Sections including net PSLC- SF/MF | 1820904 | 1711473 | 1861780 | 1873464 | 2.9 | 9.5 |
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.
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. |