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15. Deployment of Gross Bank Credit by Major Sectors
Date : May 17, 2021
(₹ Crore)
Sector Outstanding as on Growth (%)
Mar.27, 2020 2020 2021 Financial year so far Y-o-Y
Mar.27 Feb.26 Mar.26 2020-21 2021
1 2 3 4 % %
1 Gross Bank Credit 9263132 9263132 9569167 9723065 5.0 5.0
1.1 Food Credit 51590 51590 74943 61043 18.3 18.3
1.2 Non-food Credit 9211542 9211542 9494225 9662022 4.9 4.9
1.2.1 Agriculture & Allied Activities 1157795 1157795 1274075 1299914 12.3 12.3
1.2.2 Industry 2905151 2905151 2786202 2918028 0.4 0.4
1.2.2.1 Micro and Small1 381825 381825 376919 383854 0.5 0.5
1.2.2.2 Medium 105597 105597 130105 136054 28.8 28.8
1.2.2.3 Large 2417729 2417729 2279177 2398121 -0.8 -0.8
1.2.3 Services 2594947 2594947 2660022 2630566 1.4 1.4
1.2.3.1 Transport Operators 137815 137815 148681 145195 5.4 5.4
1.2.3.2 Computer Software 20050 20050 18520 21043 5.0 5.0
1.2.3.3 Tourism, Hotels & Restaurants 45978 45978 48102 50140 9.1 9.1
1.2.3.4 Shipping 5469 5469 7557 7172 31.1 31.1
1.2.3.5 Aviation 17983 17983 21440 21350 18.7 18.7
1.2.3.6 Professional Services 176997 176997 124228 121698 -31.2 -31.2
1.2.3.7 Trade 552391 552391 584996 617627 11.8 11.8
1.2.3.7.1 Wholesale Trade 263396 263396 294029 319197 21.2 21.2
1.2.3.7.2 Retail Trade 288995 288995 290967 298430 3.3 3.3
1.2.3.8 Commercial Real Estate 229770 229770 232473 235547 2.5 2.5
1.2.3.9 Non-Banking Financial Companies (NBFCs)2 of which, 904638 904638 896459 945061 4.5 4.5
1.2.3.9.1 Housing Finance Companies (HFCs) 159758 159758 168883 187324 17.3 17.3
1.2.3.9.2 Public Financial Institutions (PFIs) 39642 39642 80091 78441 97.9 97.9
1.2.3.10 Other Services3 503855 503855 577564 465733 -7.6 -7.6
1.2.4 Personal Loans 2553649 2553649 2773926 2813513 10.2 10.2
1.2.4.1 Consumer Durables 9299 9299 7242 7307 -21.4 -21.4
1.2.4.2 Housing 1337899 1337899 1440095 1459066 9.1 9.1
1.2.4.3 Advances against Fixed Deposits 79494 79494 66073 71544 -10.0 -10.0
1.2.4.4 Advances to Individuals against share & bonds 5334 5334 4319 4570 -14.3 -14.3
1.2.4.5 Credit Card Outstanding 108097 108097 116290 116537 7.8 7.8
1.2.4.6 Education 65744 65744 64346 63805 -3.0 -3.0
1.2.4.7 Vehicle Loans 220610 220610 239406 241657 9.5 9.5
1.2.4.8 Loan against gold jewellery 33303 33303 56263 60464 81.6 81.6
1.2.4.9 Other Personal Loans 693870 693870 779891 788564 13.6 13.6
1.2A Priority Sector (Memo)            
1.2A.1 Agriculture & Allied Activities4 1131285 1131285 1249160 1264151 11.7 11.7
1.2A.2 Micro & Small Enterprises5 1080373 1080373 1131832 1107236 2.5 2.5
1.2A.3 Medium Enterprises6 130588 130588 193765 206122 57.8 57.8
1.2A.4 Housing 459574 459574 474863 469863 2.2 2.2
1.2A.5 Education Loans 50335 50335 48552 48201 -4.2 -4.2
1.2A.6 Renewable Energy 1037 1037 1411 1171 12.9 12.9
1.2A.7 Social Infrastructure 997 997 2144 2352 135.8 135.8
1.2A.8 Export Credit7 16575 16575 15070 19028 14.8 14.8
1.2A.9 Others 15393 15393 20073 18818 22.2 22.2
1.2A.10 Weaker Sections including net PSLC- SF/MF 727810 727810 781858 813263 11.7 11.7
Note 1: Data are provisional and relate to select banks which cover about 90 per cent of total non-food credit extended by all scheduled commercial banks.
Note 2: With effect from January 2021, sectoral credit data are based on revised format due to which values and growth rates of some of the existing components published earlier have undergone some changes.
1 Micro & Small includes credit to micro & small industries in the manufacturing sector.
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 also include priority sector lending certificates (PSLCs).
5 Micro and Small Enterprises include credit to micro and small enterprises in manufacturing and services sector and also include PSLCs.
6 Medium Enterprises include credit to medium enterprises in the manufacturing and services sector.
7 Export credit under the priority sector relates to foreign banks only.

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