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Date : Dec 27, 2023
Appendix Table VI.4: Credit to Various Sectors by NBFCs
(Amount in ₹ crore)
Items End-March 2021 End-March 2022 End-March 2023 End-September 2023 Percentage variation 2022-23
1 2 3 4 5 6
I. Gross Advances (II + III) 27,09,196 29,52,442 34,26,970 36,93,921 16.1
II. Food Credit - 1,739 - - -100.0
III. Non-Food Credit (1 to 5) 27,09,196 29,50,703 34,26,970 36,93,921 16.1
1. Agriculture and Allied Activities 45,951 53,759 60,760 70,603 13.0
2. Industry (2.1 to 2.4) 10,66,849 11,31,558 12,76,666 13,45,347 12.8
2.1 Micro and Small 38,055 44,329 71,638 83,879 61.6
2.2 Medium 14,921 17,411 20,068 18,546 15.3
2.3 Large 8,54,867 8,94,541 10,20,441 10,98,821 14.1
2.4 Others 1,59,006 1,75,277 1,64,519 1,44,101 -6.1
3. Services (3.1 to 3.10 equals 3.a to 3.d) 3,63,136 4,07,367 4,76,728 4,90,536 17.0
3.1 Transport Operators 94,544 1,03,311 1,20,945 1,09,550 17.1
3.2 Computer Software 1,706 1,662 2,108 2,193 26.8
3.3 Tourism, Hotel and Restaurants 8,814 8,052 7,561 7,332 -6.1
3.4 Shipping 140 173 185 267 7.4
3.5 Professional Services 16,396 20,354 23,776 27,137 16.8
3.6 Trade 33,881 50,755 70,135 81,525 38.2
3.6.1 Wholesale Trade (other than Food Procurement) 6,875 9,564 10,665 13,524 11.5
3.6.2 Retail Trade 27,006 41,190 59,470 68,001 44.4
3.7 Commercial Real Estate 81,987 87,566 84,666 83,325 -3.3
3.8 NBFCs 28,719 35,003 48,406 53,029 38.3
3.9 Aviation 948 1,143 826 819 -27.7
3.10 Other Services 96,001 99,349 1,18,119 1,25,359 18.9
Total 3.a to 3.d 3,63,136 4,07,367 4,76,728 4,90,536 17.0
3.a Micro and Small 89,126 1,12,503 1,61,504 1,71,343 43.6
3.b Medium 16,763 18,244 20,971 23,697 14.9
3.c Large 73,914 78,114 81,960 79,013 4.9
3.d Others 1,83,333 1,98,506 2,12,293 2,16,483 6.9
4. Retail Loans (4.1 to 4.10) 7,45,038 8,38,528 10,54,530 11,96,757 25.8
4.1 Housing Loans (incl. priority sector Housing) 21,385 23,280 32,425 39,223 39.3
4.2 Consumer Durables 18,519 24,789 31,543 38,484 27.2
4.3 Credit Card Receivables 25,991 32,710 44,007 49,231 34.5
4.4 Vehicle/Auto Loans 3,18,884 3,35,460 3,84,475 4,33,653 14.6
4.5 Education Loans 9,277 14,162 25,352 36,330 79.0
4.6 Advances against Fixed Deposits (incl. FCNR(B), etc.) 31 43 215 247 406.9
4.7 Advances to Individuals against Shares, Bonds, etc. 8,304 13,023 14,053 18,532 7.9
4.8 Advances to Individuals against Gold 1,12,898 1,19,311 1,31,165 1,40,901 9.9
4.9 Micro finance loan/SHG Loan 66,573 81,599 1,18,752 1,16,908 45.5
4.10 Other Retail Loans 1,63,175 1,94,153 2,72,543 3,23,248 40.4
5. Other Non-food Credit, if any 4,88,222 5,19,491 5,58,287 5,90,677 7.5
Notes: 1. Data are provisional.
2. Percentage figures are rounded-off.
3. Excluding CICs and PDs.
Source: Quarterly returns of NBFCs, RBI.

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