| (₹ Crore) |
| Sector | Outstanding as on | Growth(%) |
| Mar. 24, 2023 | 2022 | 2023 | Financial year so far | Y-o-Y |
| Oct. 21 | Sep. 22 | Oct. 20 | 2023-24 | 2023 |
| 1 | 2 | 3 | 4 | % | % |
| I. Bank Credit (II + III) | 13675235 | 12883404 | 15151319 | 15425809 | 12.8 | 19.7 |
| | | | (14558878) | (14839378) | (8.5) | (15.2) |
| II. Food Credit | 19906 | 25655 | 18865 | 19841 | -0.3 | -22.7 |
| III. Non-food Credit | 13655330 | 12857749 | 15132454 | 15405968 | 12.8 | 19.8 |
| | | | (14540013) | (14819537) | (8.5) | (15.3) |
| 1. Agriculture & Allied Activities | 1728063 | 1628525 | 1865244 | 1913176 | 10.7 | 17.5 |
| 2. Industry (Micro and Small, Medium and Large) | 3416353 | 3372621 | 3559935 | 3572336 | 4.6 | 5.9 |
| | | | (3541778) | (3554596) | (4.0) | (5.4) |
| 2.1 Micro and Small | 633587 | 584734 | 664167 | 683272 | 7.8 | 16.9 |
| 2.2 Medium | 268557 | 250439 | 277515 | 280782 | 4.6 | 12.1 |
| 2.3 Large | 2514209 | 2537447 | 2618254 | 2608282 | 3.7 | 2.8 |
| 3. Services | 3699716 | 3406075 | 4133627 | 4210925 | 13.8 | 23.6 |
| | | | (4011029) | (4090350) | (10.6) | (20.1) |
| 3.1 Transport Operators | 192323 | 175472 | 210382 | 215248 | 11.9 | 22.7 |
| 3.2 Computer Software | 24927 | 25300 | 25043 | 25496 | 2.3 | 0.8 |
| 3.3 Tourism, Hotels & Restaurants | 69462 | 68396 | 76584 | 76413 | 10.0 | 11.7 |
| 3.4 Shipping | 7074 | 7452 | 6647 | 6628 | -6.3 | -11.1 |
| 3.5 Aviation | 28348 | 24062 | 39905 | 40129 | 41.6 | 66.8 |
| 3.6 Professional Services | 139584 | 128894 | 153124 | 154091 | 10.4 | 19.5 |
| 3.7 Trade | 853417 | 778326 | 903177 | 925451 | 8.4 | 18.9 |
| 3.7.1. Wholesale Trade1 | 422630 | 394044 | 447794 | 464535 | 9.9 | 17.9 |
| 3.7.2 Retail Trade | 430788 | 384282 | 455382 | 460916 | 7.0 | 19.9 |
| 3.8 Commercial Real Estate | 322573 | 312720 | 421008 | 424139 | 31.5 | 35.6 |
| | | | (352419) | (356561) | (10.5) | (14.0) |
| 3.9 Non-Banking Financial Companies (NBFCs)2 of which, | 1342070 | 1209214 | 1428666 | 1476249 | 10.0 | 22.1 |
| 3.9.1 Housing Finance Companies (HFCs) | 318729 | 315806 | 308711 | 322128 | 1.1 | 2.0 |
| 3.9.2 Public Financial Institutions (PFIs) | 175714 | 158683 | 193196 | 190547 | 8.4 | 20.1 |
| 3.10 Other Services3 | 719936 | 676240 | 869091 | 867081 | 20.4 | 28.2 |
| | | | (830213) | (828940) | (15.1) | (22.6) |
| 4. Personal Loans | 4180838 | 3855873 | 4930890 | 4999349 | 19.6 | 29.7 |
| | | | (4479273) | (4551584) | (8.9) | (18.0) |
| 4.1 Consumer Durables | 20983 | 20624 | 21909 | 22205 | 5.8 | 7.7 |
| 4.2 Housing | 1988532 | 1873413 | 2529933 | 2564666 | 29.0 | 36.9 |
| | | | (2106253) | (2144376) | (7.8) | (14.5) |
| 4.3 Advances against Fixed Deposits | 122116 | 97857 | 113830 | 113973 | -6.7 | 16.5 |
| 4.4 Advances to Individuals against share & bonds | 7634 | 8273 | 7814 | 7872 | 3.1 | -4.9 |
| 4.5 Credit Card Outstanding | 204708 | 188033 | 230280 | 240656 | 17.6 | 28.0 |
| 4.6 Education | 96853 | 91790 | 109748 | 110715 | 14.3 | 20.6 |
| 4.7 Vehicle Loans | 502377 | 460871 | 544614 | 553154 | 10.1 | 20.0 |
| 4.8 Loan against gold jewellery | 89382 | 85288 | 98767 | 100004 | 11.9 | 17.3 |
| 4.9 Other Personal Loans | 1148253 | 1029723 | 1273996 | 1286104 | 12.0 | 24.9 |
| | | | (1246637) | (1259170) | (9.7) | (22.3) |
| 5. Priority Sector (Memo) | | | | | | |
| (i) Agriculture & Allied Activities4 | 1746051 | 1658301 | 1884158 | 1938117 | 11.0 | 16.9 |
| (ii) Micro & Small Enterprises5 | 1645484 | 1492050 | 1823776 | 1853628 | 12.6 | 24.2 |
| (iii) Medium Enterprises6 | 423888 | 393424 | 449646 | 461620 | 8.9 | 17.3 |
| (iv) Housing | 622799 | 633096 | 737177 | 742535 | 19.2 | 17.3 |
| | | | (636534) | (642678) | (3.2) | (1.5) |
| (v) Education Loans | 59513 | 59421 | 61144 | 61543 | 3.4 | 3.6 |
| (vi) Renewable Energy | 4670 | 4207 | 4870 | 4810 | 3.0 | 14.3 |
| (vii) Social Infrastructure | 2464 | 2402 | 2584 | 2610 | 6.0 | 8.7 |
| (viii) Export Credit | 15477 | 17308 | 8930 | 8016 | -48.2 | -53.7 |
| (ix) Others | 60835 | 50343 | 51048 | 59553 | -2.1 | 18.3 |
| (x) Weaker Sections including net PSLC- SF/MF | 1411633 | 1330773 | 1498137 | 1554764 | 10.1 | 16.8 |
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 95 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. |