| (₹ Crore) |
| Sector | Outstanding as on | Growth (%) |
| Mar. 22, 2024 | 2023 | 2024 | Financial year so far | Y-o-Y |
| May 19 | Apr. 19 | May 31 | 2024-25 | 2024 |
| 1 | 2 | 3 | 4 | % | % |
| I. Bank Credit (II + III) | 16434662 | 14009695 | 16494283 | 16781420 | 2.1 | 19.8 |
| | (15903976) | | (15973464) | (16270342) | (2.3) | (16.1) |
| II. Food Credit | 23081 | 36753 | 18090 | 40259 | 74.4 | 9.5 |
| III. Non-food Credit | 16411581 | 13972942 | 16476192 | 16741162 | 2.0 | 19.8 |
| | (15880895) | | (15955374) | (16230083) | (2.2) | (16.2) |
| 1. Agriculture & Allied Activities | 2071251 | 1759075 | 2115986 | 2139047 | 3.3 | 21.6 |
| 2. Industry (Micro and Small, Medium and Large) | 3652804 | 3386088 | 3655455 | 3703160 | 1.4 | 9.4 |
| | (3635810) | | (3639138) | (3687080) | (1.4) | (8.9) |
| 2.1 Micro and Small | 726315 | 637395 | 731994 | 736404 | 1.4 | 15.5 |
| 2.2 Medium | 303998 | 271423 | 309427 | 313398 | 3.1 | 15.5 |
| 2.3 Large | 2622490 | 2477270 | 2614034 | 2653358 | 1.2 | 7.1 |
| 3. Services | 4592227 | 3800500 | 4605915 | 4681338 | 1.9 | 23.2 |
| | (4490467) | | (4509188) | (4587710) | (2.2) | (20.7) |
| 3.1 Transport Operators | 230175 | 196453 | 234760 | 243074 | 5.6 | 23.7 |
| 3.2 Computer Software | 25917 | 24359 | 24774 | 25787 | -0.5 | 5.9 |
| 3.3 Tourism, Hotels & Restaurants | 77513 | 68712 | 77054 | 78408 | 1.2 | 14.1 |
| 3.4 Shipping | 7067 | 6575 | 6884 | 6908 | -2.2 | 5.1 |
| 3.5 Aviation | 43248 | 31010 | 44998 | 45556 | 5.3 | 46.9 |
| 3.6 Professional Services | 167234 | 140735 | 173429 | 179919 | 7.6 | 27.8 |
| 3.7 Trade | 1025752 | 896234 | 1020885 | 1054824 | 2.8 | 17.7 |
| 3.7.1. Wholesale Trade1 | 538744 | 470183 | 537086 | 556014 | 3.2 | 18.3 |
| 3.7.2 Retail Trade | 487008 | 426051 | 483799 | 498810 | 2.4 | 17.1 |
| 3.8 Commercial Real Estate | 469013 | 329653 | 468803 | 479120 | 2.2 | 45.3 |
| | (400470) | | (402521) | (415390) | (3.7) | (26.0) |
| 3.9 Non-Banking Financial Companies (NBFCs)2 of which, | 1548027 | 1351257 | 1564519 | 1568073 | 1.3 | 16.0 |
| 3.9.1 Housing Finance Companies (HFCs) | 325626 | 319133 | 330115 | 331251 | 1.7 | 3.8 |
| 3.9.2 Public Financial Institutions (PFIs) | 226963 | 175666 | 232074 | 226676 | -0.1 | 29.0 |
| 3.10 Other Services3 | 998281 | 755513 | 989810 | 999668 | 0.1 | 32.3 |
| | (978198) | | (969994) | (980290) | (0.2) | (29.8) |
| 4. Personal Loans | 5331290 | 4238928 | 5346354 | 5456633 | 2.4 | 28.7 |
| | (4852210) | | (4863453) | (4995156) | (2.9) | (17.8) |
| 4.1 Consumer Durables | 23713 | 21469 | 23577 | 24683 | 4.1 | 15.0 |
| 4.2 Housing | 2718715 | 2009750 | 2741455 | 2786598 | 2.5 | 38.7 |
| | (2264677) | | (2283135) | (2349060) | (3.7) | (16.9) |
| 4.3 Advances against Fixed Deposits | 125239 | 111972 | 121868 | 123334 | -1.5 | 10.1 |
| 4.4 Advances to Individuals against share & bonds | 8492 | 7614 | 8472 | 9262 | 9.1 | 21.6 |
| 4.5 Credit Card Outstanding | 257016 | 212410 | 259641 | 267979 | 4.3 | 26.2 |
| 4.6 Education | 119380 | 97492 | 119125 | 121102 | 1.4 | 24.2 |
| 4.7 Vehicle Loans | 589251 | 510800 | 594034 | 602270 | 2.2 | 17.9 |
| 4.8 Loan against gold jewellery | 102562 | 90036 | 101552 | 116777 | 13.9 | 29.7 |
| 4.9 Other Personal Loans | 1386921 | 1177385 | 1376631 | 1404629 | 1.3 | 19.3 |
| | (1362113) | | (1352213) | (1380790) | (1.4) | (17.3) |
| 5. Priority Sector (Memo) | | | | | | |
| (i) Agriculture & Allied Activities4 | 2081856 | 1693835 | 2060244 | 2078112 | -0.2 | 22.7 |
| (ii) Micro & Small Enterprises5 | 1974191 | 1693042 | 1964032 | 2030754 | 2.9 | 19.9 |
| (iii) Medium Enterprises6 | 490703 | 428591 | 498958 | 502496 | 2.4 | 17.2 |
| (iv) Housing | 755222 | 624463 | 753576 | 762822 | 1.0 | 22.2 |
| | (660572) | | (659843) | (670883) | (1.6) | (7.4) |
| (v) Education Loans | 62235 | 59109 | 61027 | 61277 | -1.5 | 3.7 |
| (vi) Renewable Energy | 5991 | 4733 | 5712 | 5923 | -1.1 | 25.1 |
| (vii) Social Infrastructure | 2613 | 2596 | 2619 | 2674 | 2.3 | 3.0 |
| (viii) Export Credit | 11256 | 13628 | 13433 | 11218 | -0.3 | -17.7 |
| (ix) Others | 61336 | 64151 | 75152 | 62047 | 1.2 | -3.3 |
| (x) Weaker Sections including net PSLC- SF/MF | 1647778 | 1336978 | 1605821 | 1670313 | 1.4 | 24.9 |
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 sectorwise 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.
(3) Bank credit, Food credit and Non-food credit given for the period May 19, 2023 pertains to the June 2, 2023.
(4) For Bank credit, Food credit and Non-food credit, Y-o-Y growth rates were calculated based on the outstanding credit as on May 31, 2024, over June 2, 2023.
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. |