| (₹ Crore) |
| Sector | Outstanding as on | Growth(%) |
| Mar. 24, 2023 | 2023 | 2024 | Financial year so far | Y-o-Y |
| Jan. 27 | Dec. 29 | Jan. 26 | 2023-24 | 2024 |
| 1 | 2 | 3 | 4 | % | % |
| I. Bank Credit (II + III) | 13675235 | 13337536 | 15961345 | 16044693 | 17.3 | 20.3 |
| | | | (15388272) | (15491457) | (13.3) | (16.1) |
| II. Food Credit | 19906 | 50165 | 43139 | 45619 | 129.2 | -9.1 |
| III. Non-food Credit | 13655330 | 13287371 | 15918206 | 15999075 | 17.2 | 20.4 |
| | | | (15345134) | (15445839) | (13.1) | (16.2) |
| 1. Agriculture & Allied Activities | 1728063 | 1676112 | 1994505 | 2012507 | 16.5 | 20.1 |
| 2. Industry (Micro and Small, Medium and Large) | 3416353 | 3372742 | 3664791 | 3654130 | 7.0 | 8.3 |
| | | | (3647315) | (3636797) | (6.5) | (7.8) |
| 2.1 Micro and Small | 633587 | 612604 | 704065 | 712636 | 12.5 | 16.3 |
| 2.2 Medium | 268557 | 265621 | 290511 | 292257 | 8.8 | 10.0 |
| 2.3 Large | 2514209 | 2494518 | 2670215 | 2649237 | 5.4 | 6.2 |
| 3. Services | 3699716 | 3569050 | 4406134 | 4420556 | 19.5 | 23.9 |
| | | | (4289319) | (4306862) | (16.4) | (20.7) |
| 3.1 Transport Operators | 192323 | 181921 | 224270 | 227934 | 18.5 | 25.3 |
| 3.2 Computer Software | 24927 | 24296 | 27571 | 26930 | 8.0 | 10.8 |
| 3.3 Tourism, Hotels & Restaurants | 69462 | 67989 | 77442 | 77512 | 11.6 | 14.0 |
| 3.4 Shipping | 7074 | 7719 | 6986 | 7114 | 0.6 | -7.8 |
| 3.5 Aviation | 28348 | 27829 | 45031 | 45076 | 59.0 | 62.0 |
| 3.6 Professional Services | 139584 | 132313 | 157544 | 162508 | 16.4 | 22.8 |
| 3.7 Trade | 853417 | 810997 | 939929 | 955025 | 11.9 | 17.8 |
| 3.7.1. Wholesale Trade¹ | 422630 | 406843 | 471530 | 485763 | 14.9 | 19.4 |
| 3.7.2 Retail Trade | 430788 | 404154 | 468398 | 469261 | 8.9 | 16.1 |
| 3.8 Commercial Real Estate | 322573 | 321624 | 436186 | 438435 | 35.9 | 36.3 |
| | | | (369705) | (374173) | (16.0) | (16.3) |
| 3.9 Non-Banking Financial Companies (NBFCs)² of which, | 1342070 | 1300281 | 1520800 | 1503342 | 12.0 | 15.6 |
| 3.9.1 Housing Finance Companies (HFCs) | 318729 | 313994 | 328775 | 337673 | 5.9 | 7.5 |
| 3.9.2 Public Financial Institutions (PFIs) | 175714 | 181903 | 212038 | 210586 | 19.8 | 15.8 |
| 3.10 Other Services³ | 719936 | 694082 | 970376 | 976680 | 35.7 | 40.7 |
| | | | (934558) | (941471) | (30.8) | (35.6) |
| 4. Personal Loans | 4180838 | 4051850 | 5175423 | 5217944 | 24.8 | 28.8 |
| | | | (4737380) | (4795805) | (14.7) | (18.4) |
| 4.1 Consumer Durables | 20983 | 21111 | 24312 | 24160 | 15.1 | 14.4 |
| 4.2 Housing | 1988532 | 1939432 | 2640255 | 2660342 | 33.8 | 37.2 |
| | | | (2228607) | (2264119) | (13.9) | (16.7) |
| 4.3 Advances against Fixed Deposits | 122116 | 109931 | 117474 | 116251 | -4.8 | 5.7 |
| 4.4 Advances to Individuals against share & bonds | 7634 | 7677 | 8257 | 7413 | -2.9 | -3.4 |
| 4.5 Credit Card Outstanding | 204708 | 196839 | 251880 | 258524 | 26.3 | 31.3 |
| 4.6 Education | 96853 | 95235 | 114952 | 117073 | 20.9 | 22.9 |
| 4.7 Vehicle Loans | 502377 | 496249 | 583297 | 577279 | 14.9 | 16.3 |
| 4.8 Loan against gold jewellery | 89382 | 86815 | 101925 | 101934 | 14.0 | 17.4 |
| 4.9 Other Personal Loans | 1148253 | 1098561 | 1333071 | 1354969 | 18.0 | 23.3 |
| | | | (1307065) | (1329351) | (15.8) | (21.0) |
| 5. Priority Sector (Memo) | | | | | | |
| (i) Agriculture & Allied Activities⁴ | 1746051 | 1690986 | 2008819 | 2032292 | 16.4 | 20.2 |
| (ii) Micro & Small Enterprises⁵ | 1645484 | 1605639 | 1918338 | 1943836 | 18.1 | 21.1 |
| (iii) Medium Enterprises⁶ | 423888 | 416905 | 468942 | 469954 | 10.9 | 12.7 |
| (iv) Housing | 622799 | 616365 | 747520 | 756504 | 21.5 | 22.7 |
| | | | (649527) | (659377) | (5.9) | (7.0) |
| (v) Education Loans | 59513 | 59259 | 62256 | 61984 | 4.2 | 4.6 |
| (vi) Renewable Energy | 4670 | 4632 | 4861 | 5404 | 15.7 | 16.7 |
| (vii) Social Infrastructure | 2464 | 2499 | 2572 | 2581 | 4.8 | 3.3 |
| (viii) Export Credit | 19515 | 29285 | 12940 | 20489 | 5.0 | -30.0 |
| (ix) Others | 60835 | 49735 | 53282 | 64169 | 5.5 | 29.0 |
| (x) Weaker Sections including net PSLC- SF/MF | 1411633 | 1333312 | 1570568 | 1618611 | 14.7 | 21.4 |
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. |