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15. Deployment of Gross Bank Credit by Major Sectors
Date : May 10, 2018
(₹ Billion)
Item Outstanding as on Growth (%)
Mar. 31, 2017 2017 2018 Financial year so far Y-o-Y
Mar. 31 Feb. 16 Mar. 30 2017-18 2018
1 2 3 4 5 6
1 Gross Bank Credit 71,345 71,345 73,737 77,223 8.2 8.2
1.1 Food Credit 400 400 347 338 –15.5 -15.5
1.2 Non-food Credit 70,945 70,945 73,390 76,884 8.4 8.4
1.2.1 Agriculture & Allied Activities 9,924 9,924 10,168 10,302 3.8 3.8
1.2.2 Industry 26,798 26,798 26,272 26,993 0.7 0.7
1.2.2.1 Micro & Small 3,697 3,697 3,703 3,730 0.9 0.9
1.2.2.2 Medium 1,048 1,048 1,027 1,037 –1.1 -1.1
1.2.2.3 Large 22,053 22,053 21,542 22,226 0.8 0.8
1.2.3 Services 18,022 18,022 18,406 20,505 13.8 13.8
1.2.3.1 Transport Operators 1,104 1,104 1,189 1,213 9.8 9.8
1.2.3.2 Computer Software 179 179 186 186 4.1 4.1
1.2.3.3 Tourism, Hotels & Restaurants 375 375 371 365 –2.7 -2.7
1.2.3.4 Shipping 84 84 66 63 –24.7 -24.7
1.2.3.5 Professional Services 1,377 1,377 1,540 1,554 12.9 12.9
1.2.3.6 Trade 4,279 4,279 4,487 4,669 9.1 9.1
1.2.3.6.1 Wholesale Trade 1,932 1,932 1,961 2,052 6.2 6.2
1.2.3.6.2 Retail Trade 2,347 2,347 2,526 2,618 11.5 11.5
1.2.3.7 Commercial Real Estate 1,856 1,856 1,802 1,858 0.1 0.1
1.2.3.8 Non-Banking Financial Companies (NBFCs) 3,910 3,910 3,902 4,964 26.9 26.9
1.2.3.9 Other Services 4,859 4,859 4,864 5,633 15.9 15.9
1.2.4 Personal Loans 16,200 16,200 18,544 19,085 17.8 17.8
1.2.4.1 Consumer Durables 208 208 189 197 –5.2 -5.2
1.2.4.2 Housing 8,601 8,601 9,556 9,746 13.3 13.3
1.2.4.3 Advances against Fixed Deposits 661 661 657 725 9.6 9.6
1.2.4.4 Advances to Individuals against share & bond 48 48 53 56 17.0 17.0
1.2.4.5 Credit Card Outstanding 521 521 658 686 31.6 31.6
1.2.4.6 Education 701 701 705 697 –0.5 -0.5
1.2.4.7 Vehicle Loans 1,705 1,705 1,859 1,898 11.3 11.3
1.2.4.8 Other Personal Loans 3,755 3,755 4,867 5,080 35.3 35.3
1.2A Priority Sector 24,356 24,356 24,437 25,532 4.8 4.8
1.2A.1 Agriculture & Allied Activities 9,909 9,909 10,082 10,216 3.1 3.1
1.2A.2 Micro & Small Enterprises 9,020 9,020 9,176 9,964 10.5 10.5
1.2A.2.1 Manufacturing 3,697 3,697 3,703 3,730 0.9 0.9
1.2A.2.2 Services 5,322 5,322 5,472 6,234 17.1 17.1
1.2A.3 Housing 3,683 3,683 3,747 3,756 2.0 2.0
1.2A.4 Micro-Credit 189 189 240 264 39.5 39.5
1.2A.5 Education Loans 604 604 589 607 0.5 0.5
1.2A.6 State-Sponsored Orgs. for SC/ST 6 6 3 3 –53.5 -53.5
1.2A.7 Weaker Sections 5,546 5,546 5,577 5,690 2.6 2.6
1.2A.8 Export Credit 425 425 236 283 –33.4 -33.4
Note : Data are provisional and relate to select 41 scheduled commercial banks, accounting for about 90 per cent of total non-food credit extended by all scheduled commercial banks (excludes ING Vysya which has been merged with Kotak Mahindra since April 2015).
Export credit under priority sector relates to foreign banks only.
Micro & small under item 2.1 includes credit to micro & small industries in manufacturing sector.
Micro & small enterprises under item 5.2 includes credit to micro & small enterprises in manufacturing as well as services sector.
Priority Sector is as per old definition and does not conform to FIDD Circular FIDD.CO.Plan.BC.54/04.09.01/2014-15 dated April 23, 2015.

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