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15. Deployment of Gross Bank Credit by Major Sectors
Date : Apr 26, 2021
(₹ Crore)
Sector Outstanding as on Growth (%)
Mar.27, 2020 2020 2021 Financial year so far Y-o-Y
Feb.28 Jan.29 Feb.26 2020-21 2021
1 2 3 4 % %
1 Gross Bank Credit 9263132 8980093 9497150 9569167 3.3 6.6
1.1 Food Credit 51590 65384 86817 74943 45.3 14.6
1.2 Non-food Credit 9211542 8914709 9410333 9494225 3.1 6.5
1.2.1 Agriculture & Allied Activities 1157795 1155990 1267714 1274075 10.0 10.2
1.2.2 Industry 2905151 2792811 2781575 2786202 -4.1 -0.2
1.2.2.1 Micro and Small1 381825 371333 376297 376919 -1.3 1.5
1.2.2.2 Medium 105597 107502 127227 130105 23.2 21.0
1.2.2.3 Large 2417729 2313976 2278051 2279177 -5.7 -1.5
1.2.3 Services 2594947 2433859 2636628 2660022 2.5 9.3
1.2.3.1 Transport Operators 137815 137662 151553 148681 7.9 8.0
1.2.3.2 Computer Software 20050 19205 18731 18520 -7.6 -3.6
1.2.3.3 Tourism, Hotels & Restaurants 45978 45184 49413 48102 4.6 6.5
1.2.3.4 Shipping 5469 5439 7183 7557 38.2 38.9
1.2.3.5 Aviation 17983 17245 12280 21440 19.2 24.3
1.2.3.6 Professional Services 176997 172816 129080 124228 -29.8 -28.1
1.2.3.7 Trade 552391 538607 600957 584996 5.9 8.6
1.2.3.7.1 Wholesale Trade 263396 254832 298232 294029 11.6 15.4
1.2.3.7.2 Retail Trade 288995 283774 302725 290967 0.7 2.5
1.2.3.8 Commercial Real Estate 229770 228826 233671 232473 1.2 1.6
1.2.3.9 Non-Banking Financial Companies (NBFCs)2 of which, 904638 820725 885852 896459 -0.9 9.2
1.2.3.9.1 Housing Finance Companies (HFCs) 159758 154855 150390 168883 5.7 9.1
1.2.3.9.2 Public Financial Institutions (PFIs) 39642 37283 71109 80091 102.0 114.8
1.2.3.10 Other Services3 503855 448150 547910 577564 14.6 28.9
1.2.4 Personal Loans 2553649 2532048 2724415 2773926 8.6 9.6
1.2.4.1 Consumer Durables 9299 6495 7397 7242 -22.1 11.5
1.2.4.2 Housing 1337899 1327920 1417538 1440095 7.6 8.4
1.2.4.3 Advances against Fixed Deposits 79494 75469 67176 66073 -16.9 -12.5
1.2.4.4 Advances to Individuals against share & bonds 5334 5183 4163 4319 -19.0 -16.7
1.2.4.5 Credit Card Outstanding 108097 110946 116361 116290 7.6 4.8
1.2.4.6 Education 65744 66563 64364 64346 -2.1 -3.3
1.2.4.7 Vehicle Loans 220610 221129 235882 239406 8.5 8.3
1.2.4.8 Loan against gold jewellery 33303 31993 43141 56263 68.9 75.9
1.2.4.9 Other Personal Loans 693870 686348 768392 779891 12.4 13.6
1.2A Priority Sector (Memo)            
1.2A.1 Agriculture & Allied Activities4 1131285 1122642 1246880 1249160 10.4 11.3
1.2A.2 Micro & Small Enterprises5 1080373 1058606 1148502 1131832 4.8 6.9
1.2A.3 Medium Enterprises6 130588 127125 163182 193765 48.4 52.4
1.2A.4 Housing 459574 499415 470361 474863 3.3 -4.9
1.2A.5 Education Loans 50335 53858 50014 48552 -3.5 -9.9
1.2A.6 Renewable Energy 1037 841 1282 1411 36.1 67.8
1.2A.7 Social Infrastructure 997 923 1971 2144 115.0 132.3
1.2A.8 Export Credit7 16575 14357 17151 15070 -9.1 5.0
1.2A.9 Others 15393 18253 14765 20073 30.4 10.0
1.2A.10 Weaker Sections including net PSLC- SF/MF 727810 687233 766466 781858 7.4 13.8
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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