| (₹ Crore) |
| Sector | Outstanding as on | Growth(%) |
| Mar. 24, 2023 | 2022 | 2023 | Financial year so far | Y-o-Y |
| Jun. 17 | May 19 | Jun. 30 | 2023-24 | 2023 |
| 1 | 2 | 3 | 4 | % | % |
| I. Bank Credit (II+III) | 13675235 | 12382792 | 13893871 | 14391693 | 5.2 | 16.2 |
| II. Food Credit | 19906 | 37417 | 36350 | 27906 | 40.2 | -25.4 |
| III. Non-food Credit | 13655330 | 12345375 | 13857522 | 14363787 | 5.2 | 16.3 |
| 1. Agriculture & Allied Activities | 1687191 | 1500875 | 1719260 | 1796968 | 6.5 | 19.7 |
| 2. Industry (Micro and Small, Medium and Large) | 3336722 | 3168168 | 3354988 | 3424114 | 2.6 | 8.1 |
| 2.1 Micro and Small | 598390 | 553675 | 603217 | 625625 | 4.6 | 13.0 |
| 2.2 Medium | 253384 | 232776 | 255858 | 263440 | 4.0 | 13.2 |
| 2.3 Large | 2484949 | 2381716 | 2495913 | 2535049 | 2.0 | 6.4 |
| 3. Services | 3608574 | 3066088 | 3682532 | 3885038 | 7.7 | 26.7 |
| 3.1 Transport Operators | 176239 | 152045 | 180525 | 188084 | 6.7 | 23.7 |
| 3.2 Computer Software | 21559 | 19687 | 21525 | 22867 | 6.1 | 16.1 |
| 3.3 Tourism, Hotels & Restaurants | 66466 | 63973 | 66429 | 68408 | 2.9 | 6.9 |
| 3.4 Shipping | 6677 | 7205 | 6224 | 6023 | -9.8 | -16.4 |
| 3.5 Aviation | 28330 | 21733 | 31628 | 42033 | 48.4 | 93.4 |
| 3.6 Professional Services | 134661 | 120107 | 136103 | 145318 | 7.9 | 21.0 |
| 3.7 Trade | 819921 | 733416 | 837821 | 860316 | 4.9 | 17.3 |
| 3.7.1. Wholesale Trade1 | 396631 | 384026 | 419081 | 429403 | 8.3 | 11.8 |
| 3.7.2 Retail Trade | 423291 | 349390 | 418739 | 430913 | 1.8 | 23.3 |
| 3.8 Commercial Real Estate | 314604 | 298732 | 321149 | 332373 | 5.6 | 11.3 |
| 3.9 Non-Banking Financial Companies (NBFCs)2 of which, | 1331097 | 1054520 | 1339615 | 1424134 | 7.0 | 35.1 |
| 3.9.1 Housing Finance Companies (HFCs) | 314678 | 289892 | 315109 | 330186 | 4.9 | 13.9 |
| 3.9.2 Public Financial Institutions (PFIs) | 175614 | 129269 | 175566 | 192634 | 9.7 | 49.0 |
| 3.10 Other Services3 | 709020 | 594670 | 741512 | 795481 | 12.2 | 33.8 |
| 4. Personal Loans | 4085168 | 3524512 | 4137821 | 4260984 | 4.3 | 20.9 |
| 4.1 Consumer Durables | 20044 | 18290 | 20542 | 21431 | 6.9 | 17.2 |
| 4.2 Housing | 1936428 | 1739320 | 1956438 | 1999959 | 3.3 | 15.0 |
| 4.3 Advances against Fixed Deposits | 121897 | 82252 | 110583 | 120427 | -1.2 | 46.4 |
| 4.4 Advances to Individuals against share & bonds | 6778 | 6547 | 6791 | 6934 | 2.3 | 5.9 |
| 4.5 Credit Card Outstanding | 194282 | 153912 | 201131 | 209376 | 7.8 | 36.0 |
| 4.6 Education | 96847 | 85263 | 97756 | 101839 | 5.2 | 19.4 |
| 4.7 Vehicle Loans | 500299 | 425765 | 509022 | 523441 | 4.6 | 22.9 |
| 4.8 Loan against gold jewellery | 88428 | 75659 | 90697 | 95347 | 7.8 | 26.0 |
| 4.9 Other Personal Loans | 1120165 | 937504 | 1144860 | 1182231 | 5.5 | 26.1 |
| 5. Priority Sector (Memo) | | | | | | |
| (i) Agriculture & Allied Activities4 | 1708951 | 1450586 | 1657924 | 1818840 | 6.4 | 25.4 |
| (ii) Micro & Small Enterprises5 | 1570231 | 1425166 | 1617667 | 1695875 | 8.0 | 19.0 |
| (iii) Medium Enterprises6 | 399260 | 363489 | 402915 | 418510 | 4.8 | 15.1 |
| (iv) Housing | 621376 | 616839 | 622834 | 630615 | 1.5 | 2.2 |
| (v) Education Loans | 59507 | 57931 | 59466 | 59873 | 0.6 | 3.4 |
| (vi) Renewable Energy | 4656 | 3868 | 4752 | 4568 | -1.9 | 18.1 |
| (vii) Social Infrastructure | 2464 | 2586 | 2607 | 2653 | 7.7 | 2.6 |
| (viii) Export Credit | 15424 | 19810 | 12234 | 9745 | -36.8 | -50.8 |
| (ix) Others | 59659 | 51050 | 62878 | 68338 | 14.5 | 33.9 |
| (x) Weaker Sections including net PSLC- SF/MF | 1384249 | 1175464 | 1309907 | 1405132 | 1.5 | 19.5 |
Note 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 93 per cent of total non-food credit extended by all SCBs.
Note 2: Credit data are adjusted for past reporting errors by select SCBs from December 2021 onwards.
Note 3: For the serial numbers I, II and III, Y-o-Y growth rates were calculated based on the outstanding credit as on June 30, 2023, over July 1, 2022.
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. |