| (₹ Crore) |
| Sector | Outstanding as on | Growth(%) |
| Mar. 22, 2024 | 2023 | 2024 | Financial year so far | Y-o-Y |
| Jun. 30 | May 31 | Jun. 28 | 2024-25 | 2024 |
| 1 | 2 | 3 | 4 | % | % |
| I. Bank Credit (II + III) | 16432164 | 14383718 | 16781420 | 16880782 | 2.7 | 17.4 |
| | (15901477) | | (16270342) | (16380551) | (3.0) | (13.9) |
| II. Food Credit | 23081 | 27906 | 40259 | 33904 | 46.9 | 21.5 |
| III. Non-food Credit | 16409083 | 14355812 | 16741162 | 16846879 | 2.7 | 17.4 |
| | (15878397) | | (16230083) | (16346648) | (2.9) | (13.9) |
| 1. Agriculture & Allied Activities | 2071251 | 1839319 | 2139047 | 2159559 | 4.3 | 17.4 |
| 2. Industry (Micro and Small, Medium and Large) | 3652804 | 3447826 | 3703160 | 3728156 | 2.1 | 8.1 |
| | (3635810) | | (3687080) | (3712270) | (2.1) | (7.7) |
| 2.1 Micro and Small | 726315 | 659279 | 736404 | 731625 | 0.7 | 11.0 |
| 2.2 Medium | 303998 | 280971 | 313398 | 316322 | 4.1 | 12.6 |
| 2.3 Large | 2622490 | 2507577 | 2653358 | 2680209 | 2.2 | 6.9 |
| 3. Services | 4592227 | 4010839 | 4681338 | 4707069 | 2.5 | 17.4 |
| | (4490467) | | (4587710) | (4616040) | (2.8) | (15.1) |
| 3.1 Transport Operators | 230175 | 204104 | 243074 | 242193 | 5.2 | 18.7 |
| 3.2 Computer Software | 25917 | 23580 | 25787 | 26677 | 2.9 | 13.1 |
| 3.3 Tourism, Hotels & Restaurants | 77513 | 70430 | 78408 | 78351 | 1.1 | 11.2 |
| 3.4 Shipping | 7067 | 7288 | 6908 | 7019 | -0.7 | -3.7 |
| 3.5 Aviation | 43248 | 41578 | 45556 | 45360 | 4.9 | 9.1 |
| 3.6 Professional Services | 167234 | 150089 | 179919 | 172138 | 2.9 | 14.7 |
| 3.7 Trade | 1025752 | 923022 | 1054824 | 1059459 | 3.3 | 14.8 |
| 3.7.1. Wholesale Trade1 | 538744 | 484404 | 556014 | 557604 | 3.5 | 15.1 |
| 3.7.2 Retail Trade | 487008 | 438618 | 498810 | 501856 | 3.0 | 14.4 |
| 3.8 Commercial Real Estate | 469013 | 343536 | 479120 | 483297 | 3.0 | 40.7 |
| | (400470) | | (415390) | (421756) | (5.3) | (22.8) |
| 3.9 Non-Banking Financial Companies (NBFCs)2 of which, | 1548027 | 1434293 | 1568073 | 1555496 | 0.5 | 8.5 |
| 3.9.1 Housing Finance Companies (HFCs) | 325626 | 333527 | 331251 | 328232 | 0.8 | -1.6 |
| 3.9.2 Public Financial Institutions (PFIs) | 226963 | 192734 | 226676 | 197127 | -13.1 | 2.3 |
| 3.10 Other Services3 | 998281 | 812919 | 999668 | 1037078 | 3.9 | 27.6 |
| | (978198) | | (980290) | (1018174) | (4.1) | (25.2) |
| 4. Personal Loans | 5331290 | 4368025 | 5456633 | 5486107 | 2.9 | 25.6 |
| | (4852210) | | (4995156) | (5091342) | (4.9) | (16.6) |
| 4.1 Consumer Durables | 23713 | 22412 | 24683 | 24123 | 1.7 | 7.6 |
| 4.2 Housing | 2718715 | 2052839 | 2786598 | 2798568 | 2.9 | 36.3 |
| | (2264677) | | (2349060) | (2427447) | (7.2) | (18.2) |
| 4.3 Advances against Fixed Deposits | 125239 | 121686 | 123334 | 126533 | 1.0 | 4.0 |
| 4.4 Advances to Individuals against share & bonds | 8492 | 7840 | 9262 | 9357 | 10.2 | 19.3 |
| 4.5 Credit Card Outstanding | 257016 | 221370 | 267979 | 273044 | 6.2 | 23.3 |
| 4.6 Education | 119380 | 101693 | 121102 | 121990 | 2.2 | 20.0 |
| 4.7 Vehicle Loans | 589251 | 525518 | 602270 | 603829 | 2.5 | 14.9 |
| 4.8 Loan against gold jewellery | 102562 | 94872 | 116777 | 123776 | 20.7 | 30.5 |
| 4.9 Other Personal Loans | 1386921 | 1219794 | 1404629 | 1404889 | 1.3 | 15.2 |
| | (1362113) | | (1380790) | (1381337) | (1.4) | (13.2) |
| 5. Priority Sector (Memo) | | | | | | |
| (i) Agriculture & Allied Activities4 | 2081856 | 1857357 | 2078112 | 2186829 | 5.0 | 17.7 |
| (ii) Micro & Small Enterprises5 | 1974191 | 1769204 | 2030754 | 2020474 | 2.3 | 14.2 |
| (iii) Medium Enterprises6 | 490703 | 447562 | 502496 | 511467 | 4.2 | 14.3 |
| (iv) Housing | 755222 | 633058 | 762822 | 752911 | -0.3 | 18.9 |
| | (660572) | | (670883) | (661668) | (0.2) | (4.5) |
| (v) Education Loans | 62235 | 59458 | 61277 | 61269 | -1.6 | 3.0 |
| (vi) Renewable Energy | 5991 | 4572 | 5923 | 6279 | 4.8 | 37.3 |
| (vii) Social Infrastructure | 2613 | 2642 | 2674 | 2949 | 12.9 | 11.6 |
| (viii) Export Credit | 11774 | 13219 | 11218 | 11721 | -0.5 | -11.3 |
| (ix) Others | 61336 | 69669 | 62047 | 60871 | -0.8 | -12.6 |
| (x) Weaker Sections including net PSLC- SF/MF | 1647778 | 1434996 | 1670313 | 1716930 | 4.2 | 19.6 |
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 sectorwise 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.
(3) Bank credit, Food credit and Non-food credit given for the period May 19, 2023 pertains to the June 2, 2023.
(4) For Bank credit, Food credit and Non-food credit, Y-o-Y growth rates were calculated based on the outstanding credit as on May 31, 2024, over June 2, 2023.
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. |