| (₹ Crore) |
| Sector | Outstanding as on | Growth(%) |
| Mar. 24, 2023 | 2022 | 2023 | Financial year so far | Y-o-Y |
| Sep. 23 | Aug. 25 | Sep. 22 | 2023-24 | 2023 |
| 1 | 2 | 3 | 4 | % | % |
| I. Bank Credit (II + III) | 13675235 | 12629875 | 14920147 | 15151319 | 10.8 | 20.0 |
| | | | (14317945) | (14558878) | (6.5) | (15.3) |
| II. Food Credit | 19906 | 21788 | 19355 | 18865 | -5.2 | -13.4 |
| III. Non-food Credit | 13655330 | 12608087 | 14900791 | 15132454 | 10.8 | 20.0 |
| | | | (14298590) | (14540013) | (6.5) | (15.3) |
| 1. Agriculture & Allied Activities | 1687191 | 1561537 | 1796113 | 1823239 | 8.1 | 16.8 |
| 2. Industry (Micro and Small, Medium and Large) | 3336722 | 3240817 | 3406423 | 3470913 | 4.0 | 7.1 |
| | | | (3388164) | (3452756) | (3.5) | (6.5) |
| 2.1 Micro and Small | 598390 | 572104 | 621974 | 629682 | 5.2 | 10.1 |
| 2.2 Medium | 253384 | 238281 | 255703 | 261695 | 3.3 | 9.8 |
| 2.3 Large | 2484949 | 2430432 | 2528745 | 2579537 | 3.8 | 6.1 |
| 3. Services | 3608574 | 3222165 | 3944678 | 4031515 | 11.7 | 25.1 |
| | | | (3816115) | (3908917) | (8.3) | (21.3) |
| 3.1 Transport Operators | 176239 | 157763 | 188944 | 191886 | 8.9 | 21.6 |
| 3.2 Computer Software | 21559 | 21519 | 22206 | 23365 | 8.4 | 8.6 |
| 3.3 Tourism, Hotels & Restaurants | 66466 | 66098 | 71858 | 73405 | 10.4 | 11.1 |
| 3.4 Shipping | 6677 | 7245 | 5604 | 5676 | -15.0 | -21.7 |
| 3.5 Aviation | 28330 | 23409 | 39603 | 39655 | 40.0 | 69.4 |
| 3.6 Professional Services | 134661 | 120581 | 143340 | 147320 | 9.4 | 22.2 |
| 3.7 Trade | 819921 | 745734 | 835897 | 866511 | 5.7 | 16.2 |
| 3.7.1. Wholesale Trade¹ | 396631 | 377709 | 403155 | 419632 | 5.8 | 11.1 |
| 3.7.2 Retail Trade | 423291 | 368025 | 432742 | 446879 | 5.6 | 21.4 |
| 3.8 Commercial Real Estate | 314604 | 297707 | 408759 | 410208 | 30.4 | 37.8 |
| | | | (336177) | (341620) | (8.6) | (14.8) |
| 3.9 Non-Banking Financial Companies (NBFCs)² of which, | 1331097 | 1124077 | 1383446 | 1419966 | 6.7 | 26.3 |
| 3.9.1 Housing Finance Companies (HFCs) | 314678 | 307931 | 309883 | 307266 | -2.4 | -0.2 |
| 3.9.2 Public Financial Institutions (PFIs) | 175614 | 143131 | 178994 | 193096 | 10.0 | 34.9 |
| 3.10 Other Services³ | 709020 | 658034 | 845021 | 853522 | 20.4 | 29.7 |
| | | | (804674) | (814643) | (14.9) | (23.8) |
| 4. Personal Loans | 4085168 | 3702006 | 4770125 | 4826833 | 18.2 | 30.4 |
| | | | (4314756) | (4375216) | (7.1) | (18.2) |
| 4.1 Consumer Durables | 20044 | 18900 | 21221 | 20956 | 4.6 | 10.9 |
| 4.2 Housing | 1936428 | 1803716 | 2456320 | 2476697 | 27.9 | 37.3 |
| | | | (2029296) | (2053017) | (6.0) | (13.8) |
| 4.3 Advances against Fixed Deposits | 121897 | 96332 | 111037 | 113560 | -6.8 | 17.9 |
| 4.4 Advances to Individuals against share & bonds | 6778 | 6636 | 6833 | 6925 | 2.2 | 4.4 |
| 4.5 Credit Card Outstanding | 194282 | 167179 | 217864 | 217203 | 11.8 | 29.9 |
| 4.6 Education | 96847 | 90858 | 106502 | 109743 | 13.3 | 20.8 |
| 4.7 Vehicle Loans | 500299 | 447209 | 533965 | 542191 | 8.4 | 21.2 |
| 4.8 Loan against gold jewellery | 88428 | 81309 | 96265 | 97660 | 10.4 | 20.1 |
| 4.9 Other Personal Loans | 1120165 | 989867 | 1220119 | 1241899 | 10.9 | 25.5 |
| | | | (1192357) | (1214539) | (8.4) | (22.7) |
| 5. Priority Sector (Memo) | | | | | | |
| (i) Agriculture & Allied Activities⁴ | 1708951 | 1601293 | 1816482 | 1845976 | 8.0 | 15.3 |
| (ii) Micro & Small Enterprises⁵ | 1570231 | 1478308 | 1718398 | 1746750 | 11.2 | 18.2 |
| (iii) Medium Enterprises⁶ | 399260 | 371997 | 408065 | 423017 | 6.0 | 13.7 |
| (iv) Housing | 621376 | 625520 | 758806 | 765797 | 23.2 | 22.4 |
| | | | (657940) | (665154) | (7.0) | (6.3) |
| (v) Education Loans | 59507 | 58881 | 60553 | 61140 | 2.7 | 3.8 |
| (vi) Renewable Energy | 4656 | 3750 | 4766 | 4853 | 4.2 | 29.4 |
| (vii) Social Infrastructure | 2464 | 2412 | 2572 | 2584 | 4.9 | 7.1 |
| (viii) Export Credit | 15424 | 15951 | 9215 | 8930 | -42.1 | -44.0 |
| (ix) Others | 59659 | 51703 | 48587 | 49483 | -17.1 | -4.3 |
| (x) Weaker Sections including net PSLC- SF/MF | 1384249 | 1283749 | 1416790 | 1470855 | 6.3 | 14.6 |
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 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, 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.
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. |