| (₹ Crore) |
| Sector | Outstanding as on | Growth(%) |
| Mar. 24, 2023 | 2023 | 2024 | Financial year so far | Y-o-Y |
| Feb. 24 | Jan. 26 | Feb. 23 | 2023-24 | 2024 |
| 1 | 2 | 3 | 4 | % | % |
| I. Bank Credit (II + III) | 13675235 | 13450269 | 16044693 | 16207362 | 18.5 | 20.5 |
| | | | (15491457) | (15670957) | (14.6) | (16.5) |
| II. Food Credit | 19906 | 35276 | 45619 | 40502 | 103.5 | 14.8 |
| III. Non-food Credit | 13655330 | 13414992 | 15999075 | 16166861 | 18.4 | 20.5 |
| | | | (15445839) | (15630456) | (14.5) | (16.5) |
| 1. Agriculture & Allied Activities | 1728063 | 1695103 | 2012507 | 2035594 | 17.8 | 20.1 |
| 2. Industry (Micro and Small, Medium and Large) | 3380006 | 3335522 | 3617729 | 3647149 | 7.9 | 9.3 |
| | | | (3600396) | (3629825) | (7.4) | (8.8) |
| 2.1 Micro and Small | 633587 | 621514 | 712636 | 717158 | 13.2 | 15.4 |
| 2.2 Medium | 268557 | 265091 | 292257 | 299068 | 11.4 | 12.8 |
| 2.3 Large | 2477861 | 2448917 | 2612836 | 2630923 | 6.2 | 7.4 |
| 3. Services | 3736064 | 3651174 | 4456957 | 4514582 | 20.8 | 23.6 |
| | | | (4343263) | (4413512) | (18.1) | (20.9) |
| 3.1 Transport Operators | 192059 | 184317 | 227665 | 228034 | 18.7 | 23.7 |
| 3.2 Computer Software | 24921 | 23924 | 26922 | 27395 | 9.9 | 14.5 |
| 3.3 Tourism, Hotels & Restaurants | 69331 | 68120 | 77360 | 76315 | 10.1 | 12.0 |
| 3.4 Shipping | 7068 | 7277 | 7108 | 6859 | -3.0 | -5.7 |
| 3.5 Aviation | 27640 | 27317 | 44372 | 43720 | 58.2 | 60.0 |
| 3.6 Professional Services | 139198 | 135703 | 162474 | 162780 | 16.9 | 20.0 |
| 3.7 Trade | 872335 | 850220 | 985393 | 1007503 | 15.5 | 18.5 |
| 3.7.1. Wholesale Trade¹ | 443168 | 435652 | 517895 | 531108 | 19.8 | 21.9 |
| 3.7.2 Retail Trade | 429167 | 414569 | 467498 | 476395 | 11.0 | 14.9 |
| 3.8 Commercial Real Estate | 322573 | 320663 | 438435 | 442650 | 37.2 | 38.0 |
| | | | (374173) | (390377) | (21.0) | (21.7) |
| 3.9 Non-Banking Financial Companies (NBFCs)² of which, | 1342070 | 1320445 | 1503342 | 1514928 | 12.9 | 14.7 |
| 3.9.1 Housing Finance Companies (HFCs) | 318729 | 311877 | 337673 | 337758 | 6.0 | 8.3 |
| 3.9.2 Public Financial Institutions (PFIs) | 175714 | 178751 | 210586 | 213661 | 21.6 | 19.5 |
| 3.10 Other Services³ | 738869 | 713189 | 983886 | 1004397 | 35.9 | 40.8 |
| | | | (948677) | (969795) | (31.3) | (36.0) |
| 4. Personal Loans | 4180838 | 4106965 | 5217944 | 5267835 | 26.0 | 28.3 |
| | | | (4795805) | (4849890) | (16.0) | (18.1) |
| 4.1 Consumer Durables | 20983 | 20904 | 24160 | 23972 | 14.2 | 14.7 |
| 4.2 Housing | 1988532 | 1962365 | 2660342 | 2682837 | 34.9 | 36.7 |
| | | | (2264119) | (2290401) | (15.2) | (16.7) |
| 4.3 Advances against Fixed Deposits | 122116 | 113575 | 116251 | 119977 | -1.8 | 5.6 |
| 4.4 Advances to Individuals against share & bonds | 7634 | 7760 | 7413 | 8401 | 10.0 | 8.3 |
| 4.5 Credit Card Outstanding | 204708 | 197069 | 258524 | 258115 | 26.1 | 31.0 |
| 4.6 Education | 96853 | 96170 | 117073 | 118708 | 22.6 | 23.4 |
| 4.7 Vehicle Loans | 502377 | 495516 | 577279 | 582113 | 15.9 | 17.5 |
| 4.8 Loan against gold jewellery | 89382 | 88748 | 101934 | 102458 | 14.6 | 15.4 |
| 4.9 Other Personal Loans | 1148253 | 1124859 | 1354969 | 1371253 | 19.4 | 21.9 |
| | | | (1329351) | (1346026) | (17.2) | (19.7) |
| 5. Priority Sector (Memo) | | | | | | |
| (i) Agriculture & Allied Activities⁴ | 1746051 | 1721750 | 2032292 | 2052550 | 17.6 | 19.2 |
| (ii) Micro & Small Enterprises⁵ | 1645484 | 1631777 | 1943836 | 1962680 | 19.3 | 20.3 |
| (iii) Medium Enterprises⁶ | 423888 | 414656 | 469954 | 480245 | 13.3 | 15.8 |
| (iv) Housing | 622799 | 620610 | 756504 | 754645 | 21.2 | 21.6 |
| | | | (659377) | (658400) | (5.7) | (6.1) |
| (v) Education Loans | 59513 | 59368 | 61984 | 62106 | 4.4 | 4.6 |
| (vi) Renewable Energy | 4670 | 4657 | 5404 | 5868 | 25.7 | 26.0 |
| (vii) Social Infrastructure | 2464 | 2449 | 2581 | 2592 | 5.2 | 5.9 |
| (viii) Export Credit | 20489 | 19151 | 13102 | 12630 | -38.4 | -34.1 |
| (ix) Others | 60835 | 51197 | 64169 | 62553 | 2.8 | 22.2 |
| (x) Weaker Sections including net PSLC- SF/MF | 1411633 | 1396746 | 1618611 | 1624823 | 15.1 | 16.3 |
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. |