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15. Deployment of Gross Bank Credit by Major Sectors
Date : Sep 16, 2021
(₹ Crore)
Sector Outstanding as on Growth (%)
Mar.26, 2021 2020 2021 Financial year so far Y-o-Y
Jul.31 Jun.18 Jul.30 2021-22 2021
1 2 3 4 % %
I. Gross Bank Credit (II+III) 10949509 10282057 10841866 10910416 –0.4 6.1
II. Food Credit 61254 79288 86912 77478 26.5 -2.3
III. Non-food Credit 10888255 10202769 10754953 10832938 -0.5 6.2
1. Agriculture & Allied Activities 1304301 1172771 1284399 1318024 1.1 12.4
2. Industry (Micro and Small, Medium and Large) 2895521 2795788 2867304 2824855 -2.4 1.0
2.1 Micro and Small1 383854 357711 375116 386092 0.6 7.9
2.2 Medium 136054 95249 147875 163401 20.1 71.6
2.3 Large 2375613 2342828 2344313 2275362 -4.2 -2.9
3. Services 2603373 2529848 2600627 2597736 -0.2 2.7
3.1 Transport Operators 133936 127366 141169 132405 -1.1 4.0
3.2 Computer Software 19179 18843 21006 19192 0.1 1.8
3.3 Tourism, Hotels & Restaurants 47875 45509 49640 48398 1.1 6.3
3.4 Shipping 7181 5138 6804 7142 -0.5 39.0
3.5 Aviation 25643 25012 26440 30351 18.4 21.3
3.6 Professional Services 104484 105819 112123 97174 -7.0 -8.2
3.7 Trade 588934 553332 614336 594351 0.9 7.4
3.7.1 Wholesale Trade 309097 275209 315376 313305 1.4 13.8
3.7.2 Retail Trade 279837 278123 298960 281046 0.4 1.1
3.8 Commercial Real Estate 270777 262291 232292 262655 -3.0 0.1
3.9 Non-Banking Financial Companies (NBFCs)2 of which, 945383 887625 883851 892226 -5.6 0.5
3.9.1 Housing Finance Companies (HFCs) 187475 182256 166199 169722 -9.5 -6.9
3.9.2 Public Financial Institutions (PFIs) 78442 33892 77528 78398 -0.1 131.3
3.10 Other Services3 459983 498913 512966 513843 11.7 3.0
4. Personal Loans 2856528 2570646 2786519 2858741 0.1 11.2
4.1 Consumer Durables 8815 8078 7093 9526 8.1 17.9
4.2 Housing 1459346 1346742 1464645 1466762 0.5 8.9
4.3 Advances against Fixed Deposits 62984 55275 65891 59191 -6.0 7.1
4.4 Advances to Individuals against share & bonds 4454 6237 4430 4453 0.0 -28.6
4.5 Credit Card Outstanding 116537 101391 102757 111323 -4.5 9.8
4.6 Education 64203 65455 62720 62531 -2.6 -4.5
4.7 Vehicle Loans 277748 247868 238214 265951 -4.2 7.3
4.8 Loan against gold jewellery 59590 35189 62221 62412 4.7 77.4
4.9 Other Personal Loans 802852 704412 778548 816592 1.7 15.9
5. Priority Sector (Memo)            
5.1 Agriculture & Allied Activities4 1264151 1155345 1253199 1260065 -0.3 9.1
5.2 Micro & Small Enterprises5 1107236 1096621 1036420 1099061 -0.7 0.2
5.3 Medium Enterprises6 206122 122725 188251 209743 1.8 70.9
5.4 Housing 469863 464318 470908 471896 0.4 1.6
5.5 Education Loans 48201 51434 47127 46754 -3.0 -9.1
5.6 Renewable Energy 1171 1016 1321 1230 5.1 21.1
5.7 Social Infrastructure 2352 950 2467 2438 3.7 156.5
5.8 Export Credit7 19028 15823 19852 21765 14.4 37.6
5.9 Others 19062 9277 23860 29024 52.3 212.8
5.10 Weaker Sections including net PSLC- SF/MF 813263 771359 832421 775238 -4.7 0.5
Note 1: Data are provisional. Gross bank 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 90 per cent of total non-food credit extended by all SCBs.
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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