| (₹ Crore) |
| Sector | Outstanding as on | Growth(%) |
| Mar. 21, 2025 | 2024 | 2025 | Financial year so far | Y-o-Y |
| Oct. 18 | Sep. 19 | Oct. 31 | 2025-26 | 2025 |
| 1 | 2 | 3 | 4 | % | % |
| I. Bank Credit (II + III) | 18243972 | 17419532 | 18902934 | 19390500 | 6.3 | 11.3 |
| II. Food Credit | 36531 | 30055 | 45284 | 70371 | 92.6 | 134.1 |
| III. Non-food Credit | 18207441 | 17389477 | 18857649 | 19320128 | 6.1 | 11.1 |
| 1. Agriculture & Allied Activities | 2287060 | 2205579 | 2361595 | 2402610 | 5.1 | 8.9 |
| 2. Industry (Micro and Small, Medium and Large) | 3985660 | 3812250 | 4136178 | 4192700 | 5.2 | 10.0 |
| 2.1 Micro and Small | 798473 | 757113 | 924702 | 953572 | 19.4 | 25.9 |
| 2.2 Medium | 363245 | 338367 | 385991 | 398071 | 9.6 | 17.6 |
| 2.3 Large | 2823942 | 2716770 | 2825485 | 2841057 | 0.6 | 4.6 |
| 3. Services | 5093565 | 4729329 | 5144227 | 5345246 | 4.9 | 13.0 |
| 3.1 Transport Operators | 261575 | 249128 | 270335 | 275525 | 5.3 | 10.6 |
| 3.2 Computer Software | 32915 | 30581 | 37978 | 39584 | 20.3 | 29.4 |
| 3.3 Tourism, Hotels & Restaurants | 83366 | 80012 | 88240 | 91529 | 9.8 | 14.4 |
| 3.4 Shipping | 7304 | 7782 | 9585 | 9959 | 36.3 | 28.0 |
| 3.5 Aviation | 46072 | 46200 | 46332 | 47560 | 3.2 | 2.9 |
| 3.6 Professional Services | 195957 | 186260 | 195597 | 200511 | 2.3 | 7.7 |
| 3.7 Trade | 1184550 | 1078651 | 1196397 | 1227077 | 3.6 | 13.8 |
| 3.7.1. Wholesale Trade¹ | 646099 | 570094 | 638058 | 655867 | 1.5 | 15.0 |
| 3.7.2 Retail Trade | 538451 | 508557 | 558339 | 571210 | 6.1 | 12.3 |
| 3.8 Commercial Real Estate | 523264 | 499115 | 564592 | 569245 | 8.8 | 14.1 |
| 3.9 Non-Banking Financial Companies (NBFCs)² of which, | 1635102 | 1535999 | 1588698 | 1703567 | 4.2 | 10.9 |
| 3.9.1 Housing Finance Companies (HFCs) | 323182 | 321159 | 324982 | 332125 | 2.8 | 3.4 |
| 3.9.2 Public Financial Institutions (PFIs) | 228678 | 198419 | 205393 | 247504 | 8.2 | 24.7 |
| 3.10 Other Services³ | 1123459 | 1015601 | 1146472 | 1180689 | 5.1 | 16.3 |
| 4. Personal Loans | 5971696 | 5664806 | 6273708 | 6455946 | 8.1 | 14.0 |
| 4.1 Consumer Durables | 23201 | 23415 | 22110 | 23646 | 1.9 | 1.0 |
| 4.2 Housing | 3010477 | 2871841 | 3132868 | 3187475 | 5.9 | 11.0 |
| 4.3 Advances against Fixed Deposits | 141842 | 127906 | 143924 | 150287 | 6.0 | 17.5 |
| 4.4 Advances to Individuals against share & bonds | 10080 | 9060 | 9835 | 10006 | -0.7 | 10.4 |
| 4.5 Credit Card Outstanding | 284366 | 281392 | 281823 | 303073 | 6.6 | 7.7 |
| 4.6 Education | 137456 | 130308 | 147176 | 149442 | 8.7 | 14.7 |
| 4.7 Vehicle Loans | 622793 | 601970 | 646242 | 677349 | 8.8 | 12.5 |
| 4.8 Loan against gold jewellery⁴ | 206284 | 147724 | 315684 | 337580 | 63.6 | 128.5 |
| 4.9 Other Personal Loans | 1535197 | 1471189 | 1574047 | 1617089 | 5.3 | 9.9 |
| 5. Priority Sector (Memo) | | | | | | |
| (i) Agriculture & Allied Activities⁵ | 2287794 | 2200716 | 2327799 | 2437756 | 6.6 | 10.8 |
| (ii) Micro & Small Enterprises⁶ | 2239409 | 2077001 | 2520121 | 2613611 | 16.7 | 25.8 |
| (iii) Medium Enterprises⁷ | 601451 | 557808 | 627019 | 649366 | 8.0 | 16.4 |
| (iv) Housing | 746651 | 752218 | 974644 | 997896 | 33.6 | 32.7 |
| (v) Education Loans | 62826 | 62673 | 70834 | 74071 | 17.9 | 18.2 |
| (vi) Renewable Energy | 10325 | 7122 | 14842 | 10836 | 5.0 | 52.1 |
| (vii) Social Infrastructure | 1316 | 1122 | 939 | 921 | -30.0 | -17.9 |
| (viii) Export Credit | 12479 | 12239 | 11755 | 11533 | -7.6 | -5.8 |
| (ix) Others | 49552 | 58049 | 43467 | 41409 | -16.4 | -28.7 |
| (x) Weaker Sections including net PSLC- SF/MF | 1864606 | 1788692 | 1873464 | 1946670 | 4.4 | 8.8 |
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. Bank credit, Food credit and Non-food credit given for the period October 18, 2024 pertains to November 1, 2024.
(2) Data since July 28, 2023 include the impact of the merger of a non-bank with a bank.
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 Since May 2024, a bank has changed the classification of a category of agricultural loan into “Loans against gold jewellery” under retail segment.
5 “Agriculture and Allied Activities” under the priority sector also include priority sector lending certificates (PSLCs).
6 “Micro and Small Enterprises” under the priority sector include credit to micro and small enterprises in industry and services sectors and also include PSLC.
7 “Medium Enterprises” under the priority sector include credit to medium enterprises in industry and services sectors. |