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15. Deployment of Gross Bank Credit by Major Sectors
Date : Nov 15, 2021
(₹ Crore)
Sector Outstanding as on Growth (%)
Mar.26, 2021 2020 2021 Financial year so far Y-o-Y
Sep.25 Aug.27 Sep.24 2021-22 2021
1 2 3 4 % %
I. Gross Bank Credit (II+III) 10949509 10271581 10897463 10956792 0.1 6.7
II. Food Credit 61254 66427 68801 62342 1.8 -6.1
III. Non-food Credit 10888255 10205154 10828662 10894450 0.1 6.8
1. Agriculture & Allied Activities 1271047 1201893 1304270 1321325 4.0 9.9
2. Industry (Micro and Small, Medium and Large) 2895786 2760676 2826181 2829547 -2.3 2.5
2.1 Micro and Small1 383854 360341 390108 395432 3.0 9.7
2.2 Medium 136054 117541 170177 175081 28.7 49.0
2.3 Large 2375878 2282794 2265896 2259034 -4.9 -1.0
3. Services 2647362 2550706 2594741 2571563 -2.9 0.8
3.1 Transport Operators 133953 127002 131845 131206 -2.1 3.3
3.2 Computer Software 19183 18018 18541 18621 -2.9 3.3
3.3 Tourism, Hotels & Restaurants 48019 48178 48563 48854 1.7 1.4
3.4 Shipping 7188 5082 6997 7384 2.7 45.3
3.5 Aviation 25643 26006 28278 27876 8.7 7.2
3.6 Professional Services 105253 107606 99935 99459 -5.5 -7.6
3.7 Trade 590377 551830 591683 576621 -2.3 4.5
3.7.1 Wholesale Trade 309611 271763 309807 291589 -5.8 7.3
3.7.2 Retail Trade 280766 280067 281876 285033 1.5 1.8
3.8 Commercial Real Estate 264246 256272 258286 255778 -3.2 -0.2
3.9 Non-Banking Financial Companies (NBFCs)2 of which, 937949 899302 870541 876825 -6.5 -2.5
3.9.1 Housing Finance Companies (HFCs) 215189 189865 205093 212148 -1.4 11.7
3.9.2 Public Financial Institutions (PFIs) 78442 52347 77833 79674 1.6 52.2
3.10 Other Services3 515550 511412 540073 528938 2.6 3.4
4. Personal Loans 2845527 2604048 2893913 2918538 2.6 12.1
4.1 Consumer Durables 8810 7788 10258 10904 23.8 40.0
4.2 Housing 1458358 1356531 1469744 1478451 1.4 9.0
4.3 Advances against Fixed Deposits 62975 56882 61088 63690 1.1 12.0
4.4 Advances to Individuals against share & bonds 4419 6003 4390 4481 1.4 -25.4
4.5 Credit Card Outstanding 116537 105640 115612 115641 -0.8 9.5
4.6 Education 63968 65336 62964 63437 -0.8 -2.9
4.7 Vehicle Loans 267352 248368 268643 270378 1.1 8.9
4.8 Loan against gold jewellery 60724 40086 62926 63770 5.0 59.1
4.9 Other Personal Loans 802385 717414 838288 847788 5.7 18.2
5. Priority Sector (Memo)            
5.1 Agriculture & Allied Activities4 1235082 1153293 1249775 1261764 2.2 9.4
5.2 Micro & Small Enterprises5 1113243 1130647 1110565 1100816 -1.1 -2.6
5.3 Medium Enterprises6 207615 176469 215688 219344 5.6 24.3
5.4 Housing 468659 463289 470652 446129 -4.8 -3.7
5.5 Education Loans 48201 51928 46993 47201 -2.1 -9.1
5.6 Renewable Energy 1171 1210 1313 1423 21.5 17.5
5.7 Social Infrastructure 2352 1081 2619 2323 -1.2 114.8
5.8 Export Credit7 19028 15822 17875 21444 12.7 35.5
5.9 Others 9169 10857 15988 16595 81.0 52.9
5.10 Weaker Sections including net PSLC- SF/MF 813263 747551 814998 844833 3.9 13.0
Note 1: Data are provisional. Gross bank 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 90 per cent of total non-food credit extended by all SCBs.
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.
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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