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Date : Sep 15, 2022
Table 166 : Deployment of Bank Credit by Major Sectors
(₹ Crore)
Sr. No. Sector Outstanding as on
Jun 18, 2021 Jul 30, 2021 Aug 27, 2021 Sep 24, 2021 Oct 22, 2021 Nov 19, 2021
  Non-food credit 10649671 10723034 10718818 10784563 10869344 10967934
1 Agriculture and Allied Activities 1328731 1351072 1298417 1317208 1340492 1340323
2 Industry (Micro and Small, Medium and Large) 2894061 2880627 2749793 2761611 2804921 2815424
2.1 Micro and Small1 427870 434388 409522 419406 428989 435473
2.2 Medium 149554 160312 154893 157138 161242 165430
2.3 Large 2316637 2285927 2185378 2185067 2214691 2214521
3 Services 2721667 2722774 2536218 2515835 2545056 2566353
3.1 Transport Operators 139360 141665 131985 131253 131231 132441
3.2 Computer Software 19965 20457 18623 18769 19684 18968
3.3 Tourism, Hotels and Restaurants 59574 59881 48415 48778 48675 50268
3.4 Shipping 7239 7558 6834 7227 7036 7302
3.5 Aviation 28190 32301 28509 29200 28318 28080
3.6 Professional Services 109121 109606 100767 100381 101820 102350
3.7 Trade 628496 630630 588700 575476 595151 588258
3.7.1 Wholesale Trade (other than food procurement) 324592 327579 316407 299138 315630 311786
3.7.2 Retail Trade 303904 303052 272294 276338 279521 276471
3.8 Commercial Real Estate 289057 284585 257983 255972 253967 260640
3.9 Non-Banking Financial Companies (NBFCs)2 of which, 909042 913694 873364 880965 889889 924746
3.9.1 Housing Finance Companies (HFCs) 253069 255481 257085 256344 249519 255418
3.9.2 Public Financial Institutions (PFIs) 85384 83808 82963 84748 89098 100818
3.10 Other Services3 531624 522397 481037 467814 469287 453300
4 Personal Loans 2980902 3024152 2910333 2944750 2981838 3013354
4.1 Consumer Durables 17178 18945 10198 10831 11619 12545
4.2 Housing (Including Priority Sector Housing) 1511985 1522703 1489813 1509591 1525022 1539327
4.3 Adv. against Fixed Deposits (Including FCNR(B), NRNR Dep. etc) 70048 64531 60181 62704 63000 63624
4.4 Advances to Individuals against share, bonds, etc. 5385 5557 4680 4767 4892 4911
4.5 Credit Card Outstanding 116994 126835 115612 115641 123312 122112
4.6 Education 77789 77773 78736 79867 80645 80728
4.7 Vehicle Loans 363427 368230 335616 337559 340504 344202
4.8 Loans against gold jewellery 74447 73215 72016 71957 72289 70947
4.9 Other Personal Loans 743648 766365 743482 751833 760555 774958
5 Priority Sector (Memo) - - - - - -
5.1 Agriculture and Allied Activities4 1339890 1356044 1332724 1349882 1372169 1373837
5.2 Micro and Small Enterprises5 1155564 1209760 1149169 1147133 1167211 1172019
5.3 Medium Enterprises6 226623 246461 236287 239821 244172 265845
5.4 Housing 586328 592064 573726 552640 555300 556530
5.5 Educational Loans 58740 64601 58734 59146 59688 59477
5.6 Renewable Energy 2030 2245 1906 2007 1967 1854
5.7 Social Infrastructure 3058 3012 2725 2435 2450 2453
5.8 Export Credit 25293 25734 17875 21444 18931 21871
5.9 Others 25363 34032 15829 16423 16879 17145
5.10 Weaker Sections including net PSLC- SF/MF 954371 985765 989831 1026486 1005807 1055631
(Continued)

TABLE 166 : DEPLOYMENT OF BANK CREDIT BY MAJOR SECTORS (Concld.)
(₹ Crore)
Sr. No. Sector Outstanding as on
Dec 31, 2021 Jan 28, 2022 Feb 25, 2022 Mar 25, 2022 Apr 22, 2022 May 20, 2022 Jun 17, 2022
  Non-food credit 11493407 11500052 11558783 11836304 11912088 11974051 12105475
1 Agriculture and Allied Activities 1408098 1423901 1443311 1461350 1478032 1482029 1500875
2 Industry (Micro and Small, Medium and Large) 2893180 2965411 3094987 3152449 3148879 3165450 3168168
2.1 Micro and Small1 477226 493528 520798 532081 545384 551488 554398
2.2 Medium 196359 194035 206979 213996 218492 218501 220669
2.3 Large 2219595 2277849 2367211 2406372 2385003 2395460 2393101
3 Services 2776473 2812440 2930079 3017116 3017350 3037964 3070538
3.1 Transport Operators 140833 147188 149247 155353 152094 151538 152045
3.2 Computer Software 19851 20516 20342 20899 20244 19235 19687
3.3 Tourism, Hotels and Restaurants 52480 53913 64504 64369 64964 64100 63973
3.4 Shipping 6855 6703 7308 8437 7917 7617 7205
3.5 Aviation 13764 23859 23890 23979 23067 22381 21733
3.6 Professional Services 105913 108456 114186 116743 117820 119495 120107
3.7 Trade 636952 662446 686193 696349 706206 713178 733416
3.7.1 Wholesale Trade (other than food procurement) 331455 337812 346112 351228 367136 369485 384026
3.7.2 Retail Trade 305497 324634 340081 345121 339070 343693 349390
3.8 Commercial Real Estate 270938 276288 288420 291168 295127 301170 298732
3.9 Non-Banking Financial Companies (NBFCs)2 of which, 989962 1021135 1040038 1078447 1085689 1093282 1101044
3.9.1 Housing Finance Companies (HFCs) 257884 268432 271450 278979 285400 287920 283992
3.9.2 Public Financial Institutions (PFIs) 114080 139070 135158 144121 142802 142580 140173
3.10 Other Services3 538926 491937 535951 561373 544222 545968 552596
4 Personal Loans 3116073 3217144 3333870 3385827 3444271 3466512 3520062
4.1 Consumer Durables 13046 25707 26554 27613 28907 29588 30461
4.2 Housing (Including Priority Sector Housing) 1586195 1622021 1661412 1684424 1705233 1707462 1740921
4.3 Adv. against Fixed Deposits (Including FCNR(B), NRNR Dep. etc) 72318 69315 76042 78734 80031 78331 78429
4.4 Advances to Individuals against share, bonds, etc. 5047 5243 6195 6161 6025 6184 6547
4.5 Credit Card Outstanding 124737 141254 144004 147789 153779 154212 152931
4.6 Education 81873 82302 82898 82723 82572 82662 84375
4.7 Vehicle Loans 351021 367244 401846 402667 413375 418330 427654
4.8 Loans against gold jewellery 75409 74333 73193 75311 74473 74303 75024
4.9 Other Personal Loans 806428 829724 861727 880406 899876 915440 923719
5 Priority Sector (Memo) - - - - - - -
5.1 Agriculture and Allied Activities4 1425637 1432095 1451666 1485438 1527712 1456432 1450586
5.2 Micro and Small Enterprises5 1312669 1299223 1383110 1377138 1404658 1418321 1429973
5.3 Medium Enterprises6 320923 320227 347625 351900 359522 361334 363489
5.4 Housing 565126 596252 606141 614487 614256 615355 616839
5.5 Educational Loans 59033 59045 58553 58118 57751 57912 57931
5.6 Renewable Energy 2023 2193 2750 3538 3607 4024 3868
5.7 Social Infrastructure 2419 2519 2545 2483 2541 2578 2586
5.8 Export Credit 20316 24767 29361 23330 21112 20769 18582
5.9 Others 19073 39578 40414 37159 43293 46082 46243
5.10 Weaker Sections including net PSLC- SF/MF 1101243 1069814 1142535 1180928 1209230 1186035 1190612
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 a revised format with some additional items 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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