| (₹ Crore) |
| Sector | Outstanding as on | Growth(%) |
| Mar. 22, 2024 | 2023 | 2024 | Financial year so far | Y-o-Y |
| Jul. 28 | Jun. 28 | Jul. 26 | 2024-25 | 2024 |
| 1 | 2 | 3 | 4 | % | % |
| I. Bank Credit (II + III) | 16432164 | 14787123 | 16880782 | 16814792 | 2.3 | 13.7 |
| | (15901477) | (14176844) | (16380551) | (16321156) | (2.6) | (15.1) |
| II. Food Credit | 23081 | 20836 | 33904 | 28190 | 22.1 | 35.3 |
| III. Non-food Credit | 16409083 | 14766287 | 16846879 | 16786602 | 2.3 | 13.7 |
| | (15878397) | (14156007) | (16346648) | (16292966) | (2.6) | (15.1) |
| 1. Agriculture & Allied Activities | 2071251 | 1826031 | 2159559 | 2155991 | 4.1 | 18.1 |
| 2. Industry (Micro and Small, Medium and Large) | 3652804 | 3380957 | 3728156 | 3722147 | 1.9 | 10.1 |
| | (3635810) | (3363118) | (3712270) | (3705319) | (1.9) | (10.2) |
| 2.1 Micro and Small | 726315 | 644363 | 731625 | 729948 | 0.5 | 13.3 |
| 2.2 Medium | 303998 | 270729 | 316322 | 317323 | 4.4 | 17.2 |
| 2.3 Large | 2622490 | 2465866 | 2680209 | 2674877 | 2.0 | 8.5 |
| 3. Services | 4592227 | 4039465 | 4707069 | 4604567 | 0.3 | 14.0 |
| | (4490467) | (3917134) | (4616040) | (4518736) | (0.6) | (15.4) |
| 3.1 Transport Operators | 230175 | 204076 | 242193 | 237195 | 3.0 | 16.2 |
| 3.2 Computer Software | 25917 | 22790 | 26677 | 27353 | 5.5 | 20.0 |
| 3.3 Tourism, Hotels & Restaurants | 77513 | 72955 | 78351 | 78992 | 1.9 | 8.3 |
| 3.4 Shipping | 7067 | 6977 | 7019 | 7075 | 0.1 | 1.4 |
| 3.5 Aviation | 43248 | 39667 | 45360 | 44637 | 3.2 | 12.5 |
| 3.6 Professional Services | 167234 | 146789 | 172138 | 163442 | -2.3 | 11.3 |
| 3.7 Trade | 1025752 | 903950 | 1059459 | 1041017 | 1.5 | 15.2 |
| 3.7.1. Wholesale Trade1 | 538744 | 473895 | 557604 | 545116 | 1.2 | 15.0 |
| 3.7.2 Retail Trade | 487008 | 430055 | 501856 | 495900 | 1.8 | 15.3 |
| 3.8 Commercial Real Estate | 469013 | 438109 | 483297 | 484531 | 3.3 | 10.6 |
| | (400470) | (343708) | (421756) | (426515) | (6.5) | (24.1) |
| 3.9 Non-Banking Financial Companies (NBFCs)2 of which, | 1548027 | 1356108 | 1555496 | 1528856 | -1.2 | 12.7 |
| 3.9.1 Housing Finance Companies (HFCs) | 325626 | 320132 | 328232 | 322052 | -1.1 | 0.6 |
| 3.9.2 Public Financial Institutions (PFIs) | 226963 | 182924 | 197127 | 202991 | -10.6 | 11.0 |
| 3.10 Other Services3 | 998281 | 848044 | 1037078 | 991468 | -0.7 | 16.9 |
| | (978198) | (834300) | (1018174) | (972972) | (-0.5) | (16.6) |
| 4. Personal Loans | 5331290 | 4833574 | 5486107 | 5529815 | 3.7 | 14.4 |
| | (4919468) | (4364342) | (5091342) | (5139980) | (4.5) | (17.8) |
| 4.1 Consumer Durables | 23713 | 22113 | 24123 | 24607 | 3.8 | 11.3 |
| 4.2 Housing | 2718715 | 2491005 | 2798568 | 2810109 | 3.4 | 12.8 |
| | (2331935) | (2052114) | (2427447) | (2443530) | (4.8) | (19.1) |
| 4.3 Advances against Fixed Deposits | 125239 | 110529 | 126533 | 120373 | -3.9 | 8.9 |
| 4.4 Advances to Individuals against share & bonds | 8492 | 7566 | 9357 | 9422 | 10.9 | 24.5 |
| 4.5 Credit Card Outstanding | 257016 | 225950 | 273044 | 275601 | 7.2 | 22.0 |
| 4.6 Education | 119380 | 103401 | 121990 | 123066 | 3.1 | 19.0 |
| 4.7 Vehicle Loans | 589251 | 531547 | 603829 | 618600 | 5.0 | 16.4 |
| 4.8 Loan against gold jewellery | 102562 | 95344 | 123776 | 132536 | 29.2 | 39.0 |
| 4.9 Other Personal Loans | 1386921 | 1246120 | 1404889 | 1415500 | 2.1 | 13.6 |
| | (1362113) | (1216369) | (1381337) | (1392327) | (2.2) | (14.5) |
| 5. Priority Sector (Memo) | | | | | | |
| (i) Agriculture & Allied Activities4 | 2081856 | 1835737 | 2186829 | 2196939 | 5.5 | 19.7 |
| (ii) Micro & Small Enterprises5 | 1974191 | 1748225 | 2020474 | 1998597 | 1.2 | 14.3 |
| (iii) Medium Enterprises6 | 490703 | 434298 | 511467 | 511874 | 4.3 | 17.9 |
| (iv) Housing | 755222 | 765099 | 752911 | 748840 | -0.8 | -2.1 |
| | (660572) | (663149) | (661668) | (633763) | (-4.1) | (-4.4) |
| (v) Education Loans | 62235 | 59932 | 61269 | 61523 | -1.1 | 2.7 |
| (vi) Renewable Energy | 5991 | 4605 | 6279 | 7075 | 18.1 | 53.6 |
| (vii) Social Infrastructure | 2613 | 2571 | 2949 | 2937 | 12.4 | 14.2 |
| (viii) Export Credit | 11774 | 12212 | 11721 | 12163 | 3.3 | -0.4 |
| (ix) Others | 61336 | 52978 | 60871 | 58548 | -4.5 | 10.5 |
| (x) Weaker Sections including net PSLC- SF/MF | 1647778 | 1455992 | 1716930 | 1743686 | 5.8 | 19.8 |
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. |