| (₹ Crore) |
| Sector | Outstanding as on | Growth (%) |
| Mar.26, 2021 | 2021 | 2022 | Financial year so far | Y-o-Y |
| Jan.29 | Dec.31 | Jan.28 | 2021-22 | 2022 |
| 1 | 2 | 3 | 4 | % | % |
| I. Gross Bank Credit (II+III) | 10949509 | 10703752 | 11683413 | 11582442 | 5.8 | 8.2 |
| II. Food Credit | 61254 | 87110 | 88680 | 82390 | 34.5 | -5.4 |
| III. Non-food Credit | 10888255 | 10616642 | 11594733 | 11500052 | 5.6 | 8.3 |
| 1. Agriculture & Allied Activities | 1334656 | 1298294 | 1417969 | 1432743 | 7.3 | 10.4 |
| 2. Industry (Micro and Small, Medium and Large) | 2958092 | 2864224 | 2985278 | 3046833 | 3.0 | 6.4 |
| 2.1 Micro and Small1 | 402798 | 387891 | 447566 | 464420 | 15.3 | 19.7 |
| 2.2 Medium | 138473 | 127877 | 224255 | 223376 | 61.3 | 74.7 |
| 2.3 Large | 2416821 | 2348457 | 2313458 | 2359037 | -2.4 | 0.5 |
| 3. Services | 2764171 | 2707543 | 2848108 | 2904619 | 5.1 | 7.3 |
| 3.1 Transport Operators | 143159 | 140706 | 141056 | 155422 | 8.6 | 10.5 |
| 3.2 Computer Software | 19706 | 18059 | 19712 | 20344 | 3.2 | 12.7 |
| 3.3 Tourism, Hotels & Restaurants | 50578 | 49384 | 52760 | 54461 | 7.7 | 10.3 |
| 3.4 Shipping | 7254 | 7223 | 7026 | 6871 | -5.3 | -4.9 |
| 3.5 Aviation | 25739 | 25518 | 12229 | 23407 | -9.1 | -8.3 |
| 3.6 Professional Services | 107357 | 104971 | 105280 | 111576 | 3.9 | 6.3 |
| 3.7 Trade | 628726 | 600582 | 644771 | 672389 | 6.9 | 12.0 |
| 3.7.1 Wholesale Trade | 318011 | 287812 | 329918 | 333226 | 4.8 | 15.8 |
| 3.7.2 Retail Trade | 310715 | 312770 | 314853 | 339163 | 9.2 | 8.4 |
| 3.8 Commercial Real Estate | 272663 | 268810 | 270860 | 275661 | 1.1 | 2.5 |
| 3.9 Non-Banking Financial Companies (NBFCs)2 of which, | 956486 | 915781 | 1002081 | 1014179 | 6.0 | 10.7 |
| 3.9.1 Housing Finance Companies (HFCs) | 218704 | 201156 | 229942 | 232739 | 6.4 | 15.7 |
| 3.9.2 Public Financial Institutions (PFIs) | 78987 | 76145 | 108035 | 122375 | 54.9 | 60.7 |
| 3.10 Other Services3 | 552504 | 576510 | 592334 | 570309 | 3.2 | -1.1 |
| 4. Personal Loans | 2946819 | 2850050 | 3087845 | 3180477 | 7.9 | 11.6 |
| 4.1 Consumer Durables | 17327 | 16825 | 13115 | 25744 | 48.6 | 53.0 |
| 4.2 Housing | 1489722 | 1443145 | 1521439 | 1552989 | 4.2 | 7.6 |
| 4.3 Advances against Fixed Deposits | 64143 | 59820 | 73011 | 70009 | 9.1 | 17.0 |
| 4.4 Advances to Individuals against share & bonds | 4439 | 4033 | 4820 | 5017 | 13.0 | 24.4 |
| 4.5 Credit Card Outstanding | 129742 | 129197 | 124743 | 141254 | 8.9 | 9.3 |
| 4.6 Education | 64063 | 64575 | 63213 | 63057 | -1.6 | -2.4 |
| 4.7 Vehicle Loans | 280180 | 274650 | 279485 | 281518 | 0.5 | 2.5 |
| 4.8 Loan against gold jewellery | 60835 | 52323 | 70871 | 69521 | 14.3 | 32.9 |
| 4.9 Other Personal Loans | 836368 | 805482 | 937148 | 971366 | 16.1 | 20.6 |
| 5. Priority Sector (Memo) | | | | | | |
| 5.1 Agriculture & Allied Activities4 | 1272495 | 1251626 | 1346408 | 1354691 | 6.5 | 8.2 |
| 5.2 Micro & Small Enterprises5 | 1161616 | 1187176 | 1253505 | 1244132 | 7.1 | 4.8 |
| 5.3 Medium Enterprises6 | 211903 | 193818 | 276485 | 275363 | 29.9 | 42.1 |
| 5.4 Housing | 488435 | 488802 | 468623 | 480738 | -1.6 | -1.6 |
| 5.5 Education Loans | 48262 | 49915 | 46884 | 46303 | -4.1 | -7.2 |
| 5.6 Renewable Energy | 1175 | 1377 | 1764 | 1965 | 67.3 | 42.7 |
| 5.7 Social Infrastructure | 2661 | 2470 | 2333 | 2447 | -8.1 | -0.9 |
| 5.8 Export Credit | 24231 | 19954 | 20067 | 24418 | 0.8 | 22.4 |
| 5.9 Others | 16385 | 18473 | 19273 | 39788 | 142.8 | 115.4 |
| 5.10 Weaker Sections including net PSLC- SF/MF | 864897 | 818870 | 897351 | 875210 | 1.2 | 6.9 |
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 92 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. |