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Date : Sep 15, 2022
Table 46 : Sectoral Deployment of Non-Food Gross Bank Credit
(₹ Crore)
Sr. No. Sector Outstanding as on last reporting Friday in March
2016-17 2017-18 2018-19 2019-20 2020-21 2021-22
  Non-food Credit 7787539 8583436 9730112 10319097 10786033 11836304
1 Agriculture and Allied Activities 992386 1030215 1113067 1203176 1329423 1461350
2 Industry (Micro and Small, Medium and Large) 2679833 2699268 2837528 2946851 2931441 3152449
2.1 Micro and Small1 369731 372999 371374 403051 432246 532081
2.2 Medium 104806 103680 100786 105441 138476 213996
2.3 Large 2205296 2222589 2365368 2438359 2360719 2406372
3 Services 1802237 2050472 2340659 2672047 2775783 3017116
3.1 Transport Operators 110446 121268 114749 132566 143004 155353
3.2 Computer Software 17884 18609 17860 19692 19838 20899
3.3 Tourism, Hotels and Restaurants 37503 36489 37036 53891 59526 64369
3.4 Shipping 8375 6308 7521 6246 8072 8437
3.5 Aviation - - 31389 23579 27519 23979
3.6 Professional Services 137650 155407 155919 170204 108231 116743
3.7 Trade 427893 466938 479994 557115 628230 696349
3.7.1 Wholesale Trade (other than food procurement) 193208 205160 229809 275907 328448 351228
3.7.2 Retail Trade 234685 261778 250185 281208 299781 345121
3.8 Commercial Real Estate 185564 185801 227932 288231 289594 291168
3.9 Non-Banking Financial Companies (NBFCs)2 of which, 391032 496393 751146 950901 969493 1078447
3.9.1 Housing Finance Companies (HFCs) - - 224348 249383 277444 278979
3.9.2 Public Financial Institutions (PFIs) - - 49017 44410 84023 144121
3.10 Other Services3 485892 563259 517112 469623 522275 561373
4 Personal Loans 1620034 1908469 2303144 2726864 3007384 3385827
4.1 Consumer Durables 20791 19703 6878 16092 17247 27613
4.2 Housing (Including Priority Sector Housing) 860086 974565 1176510 1361880 1492232 1684424
4.3 Advances against Fixed Deposits (Including FCNR (B), NRNR Deposits etc.) 66115 72493 86693 78091 73066 78734
4.4 Advances to Individuals against share, bonds, etc. 4750 5556 6456 6188 5400 6161
4.5 Credit Card Outstanding 52132 68628 87686 119914 131193 147789
4.6 Education 70088 69712 76376 77872 78266 82723
4.7 Vehicle Loans 170525 189786 285258 339519 368422 402667
4.8 Loans against gold jewellery - - 24671 33257 74458 75311
4.9 Other Personal Loans 375547 508026 552617 694051 767100 880406
5 Priority Sector (Memo) - - - - - -
5.1 Agriculture and Allied Activities4 990921 1021591 1112144 1183149 1335290 1485438
5.2 Micro and Small Enterprises5 901972 996365 1067234 1220805 1216549 1377138
5.3 Medium Enterprises6 - - 164836 166916 241123 351900
5.4 Housing 368344 375587 481843 559115 578050 614487
5.5 Educational Loans 60436 60713 57976 61233 60406 58118
5.6 Renewable Energy - - 1688 1717 1646 3538
5.7 Social Infrastructure - - 1384 1629 2951 2483
5.8 Export Credit 42502 28305 16010 29136 24231 23330
5.9 Others - - 11745 19009 15711 37159
5.10 Weaker Sections including net PSLC- SF/MF 554598 569048 791200 936738 1030821 1180928
Notes : 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 93 per cent of total non-food credit extended by all SCBs.
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.
Source : Reserve Bank of India.
Also see Notes on Tables.

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