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15. Deployment of Gross Bank Credit by Major Sectors
Date : Dec 15, 2021
(₹ Crore)
Sector Outstanding as on Growth (%)
Mar.26, 2021 2020 2021 Financial year so far Y-o-Y
Oct.23 Sep.24 Oct.22 2021-22 2021
1 2 3 4 % %
I. Gross Bank Credit (II+III) 10951561 10338853 10956792 11046293 0.9 6.8
II. Food Credit 61254 66659 62342 63697 4.0 -4.4
III. Non-food Credit 10890307 10272194 10894450 10982596 0.8 6.9
1. Agriculture & Allied Activities 1271047 1220013 1321325 1344042 5.7 10.2
2. Industry (Micro and Small, Medium and Large) 2895786 2741118 2829547 2854571 -1.4 4.1
2.1 Micro and Small1 383854 361389 395432 404316 5.3 11.9
2.2 Medium 136054 121053 175081 179905 32.2 48.6
2.3 Large 2375878 2258675 2259034 2270350 -4.4 0.5
3. Services 2647362 2531104 2571563 2603938 -1.6 2.9
3.1 Transport Operators 133953 127794 131206 131133 -2.1 2.6
3.2 Computer Software 19183 17575 18621 19455 1.4 10.7
3.3 Tourism, Hotels & Restaurants 48019 48378 48854 48687 1.4 0.6
3.4 Shipping 7188 5334 7384 7203 0.2 35.0
3.5 Aviation 25643 25228 27876 27095 5.7 7.4
3.6 Professional Services 105253 109041 99459 100843 -4.2 -7.5
3.7 Trade 590377 555878 576621 595470 0.9 7.1
3.7.1 Wholesale Trade 309611 269719 291589 307176 -0.8 13.9
3.7.2 Retail Trade 280766 286159 285033 288293 2.7 0.7
3.8 Commercial Real Estate 264246 254943 255778 253582 -4.0 -0.5
3.9 Non-Banking Financial Companies (NBFCs)2 of which, 937949 871122 876825 883614 -5.8 1.4
3.9.1 Housing Finance Companies (HFCs) 215189 185434 212148 211107 -1.9 13.8
3.9.2 Public Financial Institutions (PFIs) 78442 52243 79674 84036 7.1 60.9
3.10 Other Services3 515550 515812 528938 536856 4.1 4.1
4. Personal Loans 2845527 2645896 2918538 2955599 3.9 11.7
4.1 Consumer Durables 8810 8055 10904 11628 32.0 44.4
4.2 Housing 1458358 1370010 1478451 1485234 1.8 8.4
4.3 Advances against Fixed Deposits 62975 55876 63690 63734 1.2 14.1
4.4 Advances to Individuals against share & bonds 4419 5967 4481 4608 4.3 -22.8
4.5 Credit Card Outstanding 116537 110207 115641 123312 5.8 11.9
4.6 Education 63968 65609 63437 63601 -0.6 -3.1
4.7 Vehicle Loans 267352 251557 270378 272610 2.0 8.4
4.8 Loan against gold jewellery 60724 43907 63770 65361 7.6 48.9
4.9 Other Personal Loans 802385 734706 847788 865510 7.9 17.8
5. Priority Sector (Memo)            
5.1 Agriculture & Allied Activities4 1235082 1176274 1261764 1281929 3.8 9.0
5.2 Micro & Small Enterprises5 1113243 1126388 1100816 1120901 0.7 -0.5
5.3 Medium Enterprises6 207615 179252 219344 223621 7.7 24.8
5.4 Housing 468659 462137 446129 445739 -4.9 -3.5
5.5 Education Loans 48201 51789 47201 47260 -2.0 -8.7
5.6 Renewable Energy 1171 1194 1423 1372 17.2 14.9
5.7 Social Infrastructure 2352 1057 2323 2336 -0.6 121.1
5.8 Export Credit7 19028 15347 21444 18931 -0.5 23.4
5.9 Others 9169 10820 16595 17063 86.1 57.7
5.10 Weaker Sections including net PSLC- SF/MF 813263 789819 844833 865136 6.4 9.5
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.
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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