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15. Deployment of Gross Bank Credit by Major Sectors
Date : Mar 19, 2021
(₹ Crore)
Sector Outstanding as on Growth (%)
Mar.27, 2020 2020 2021 Financial year so far Y-o-Y
Jan.31 Jan.29 2020-21 2021
1 2 3 % %
1 Gross Bank Credit 9263132 8978800 9497150 2.5 5.8
1.1 Food Credit 51590 78664 86817 68.3 10.4
1.2 Non-food Credit 9211542 8900136 9410333 2.2 5.7
1.2.1 Agriculture & Allied Activities 1157795 1153386 1267714 9.5 9.9
1.2.2 Industry 2905151 2817524 2781575 -4.3 -1.3
1.2.2.1 Micro and Small1 385834 373050 376297 -2.5 0.9
1.2.2.2 Medium 101588 106813 127227 25.2 19.1
1.2.2.3 Large 2417729 2337661 2278051 -5.8 -2.5
1.2.3 Services 2594947 2431976 2636628 1.6 8.4
1.2.3.1 Transport Operators 140142 139160 151553 8.1 8.9
1.2.3.2 Computer Software 20050 18775 18731 -6.6 -0.2
1.2.3.3 Tourism, Hotels & Restaurants 45978 45395 49413 7.5 8.9
1.2.3.4 Shipping 6557 6682 7183 9.5 7.5
1.2.3.5 Aviation 6429 5581 12280 91.0 120.0
1.2.3.6 Professional Services 176997 172206 129080 -27.1 -25.0
1.2.3.7 Trade 552391 519547 600957 8.8 15.7
1.2.3.7.1 Wholesale Trade 263396 237341 298232 13.2 25.7
1.2.3.7.2 Retail Trade 288995 282207 302725 4.8 7.3
1.2.3.8 Commercial Real Estate 229770 227266 233671 1.7 2.8
1.2.3.9 Non-Banking Financial Companies2(NBFCs) of which, 904785 831186 885852 -2.1 6.6
1.2.3.9.1 Housing Finance Companies (HFCs) 216532 149684 150390 -30.5 0.5
1.2.3.9.2 Public Financial Institutions (PFIs) 39789 28325 71109 78.7 151.0
1.2.3.10 Other Services3 511847 466179 547910 7.0 17.5
1.2.4 Personal Loans 2553649 2497250 2724415 6.7 9.1
1.2.4.1 Consumer Durables 9299 6453 7397 -20.4 14.6
1.2.4.2 Housing 1338961 1316473 1417538 5.9 7.7
1.2.4.3 Advances against Fixed Deposits 79494 67240 67176 -15.5 -0.1
1.2.4.4 Advances to Individuals against share & bonds 5334 5185 4163 -22.0 -19.7
1.2.4.5 Credit Card Outstanding 108097 110864 116361 7.6 5.0
1.2.4.6 Education 65744 67038 64364 -2.1 -4.0
1.2.4.7 Vehicle Loans 220610 220240 235882 6.9 7.1
1.2.4.8 Loan against gold jewellery 26192 18596 43141 64.7 132.0
1.2.4.9 Other Personal Loans 699919 685162 768392 9.8 12.1
1.2A Priority Sector(Memo)          
1.2A.1 Agriculture & Allied Activities4 1133726 1125885 1246880 10.0 10.7
1.2A.2 Micro & Small Enterprises5 1078702 1079522 1148502 6.5 6.4
1.2A.3 Medium Enterprises6 132360 127608 163182 23.3 27.9
1.2A.4 Housing 459573 463249 470361 2.3 1.5
1.2A.5 Education Loans 50335 53335 50014 -0.6 -6.2
1.2A.6 Renewable Energy 1037 875 1282 23.6 46.4
1.2A.7 Social Infrastructure 997 997 1971 97.6 97.7
1.2A.8 Export Credit7 16575 13508 17151 3.5 27.0
1.2A.9 Others 12852 14055 14765 14.9 5.0
1.2A.10 Weaker Sections including net PSLC- SF/MF 725267 735960 766466 5.7 4.1
Note 1: Data are provisional and relate to select banks which cover about 90 per cent of total non-food credit extended by all scheduled commercial banks.
Note 2: With effect from January 2021, sectoral credit data are based on revised format due to which values and growth rates of some of the existing components published earlier have undergone some changes.
1 Micro & Small includes credit to micro & small industries in the manufacturing sector.
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 also include priority sector lending certificates (PSLCs).
5 Micro and Small Enterprises include credit to micro and small enterprises in manufacturing and services sector and also include PSLCs.
6 Medium Enterprises include credit to medium enterprises in the manufacturing and services sector.
7 Export credit under the priority sector relates to foreign banks only.

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