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15. Deployment of Gross Bank Credit by Major Sectors
Date : Jan 17, 2022
(₹ Crore)
Sector Outstanding as on Growth (%)
Mar.26, 2021 2020 2021 Financial year so far Y-o-Y
Nov.20 Oct.22 Nov.19 2021-22 2021
1 2 3 4 % %
I. Gross Bank Credit (II+III) 10951561 10434880 11046293 11162247 1.9 7.0
II. Food Credit 61254 88956 63697 82415 34.5 -7.4
III. Non-food Credit 10890307 10345924 10982596 11079831 1.7 7.1
1. Agriculture & Allied Activities 1271047 1217348 1344042 1344129 5.7 10.4
2. Industry (Micro and Small, Medium and Large) 2895786 2760236 2854571 2865403 -1.0 3.8
2.1 Micro and Small1 383854 364491 404316 410646 7.0 12.7
2.2 Medium 136054 123534 179905 183668 35.0 48.7
2.3 Large 2375878 2272211 2270350 2271089 -4.4 0.0
3. Services 2647362 2536455 2603938 2626577 -0.8 3.6
3.1 Transport Operators 133953 128097 131133 132364 -1.2 3.3
3.2 Computer Software 19183 17544 19455 18720 -2.4 6.7
3.3 Tourism, Hotels & Restaurants 48019 48905 48687 50282 4.7 2.8
3.4 Shipping 7188 5310 7203 7469 3.9 40.7
3.5 Aviation 25643 25246 27095 26771 4.4 6.0
3.6 Professional Services 105253 106404 100843 101363 -3.7 -4.7
3.7 Trade 590377 541651 595470 588738 -0.3 8.7
3.7.1 Wholesale Trade 309611 261567 307176 303758 -1.9 16.1
3.7.2 Retail Trade 280766 280084 288293 284979 1.5 1.7
3.8 Commercial Real Estate 264246 259296 253582 260262 -1.5 0.4
3.9 Non-Banking Financial Companies (NBFCs)2 of which, 937949 874942 883614 920630 -1.8 5.2
3.9.1 Housing Finance Companies (HFCs) 215189 181829 211107 220855 2.6 21.5
3.9.2 Public Financial Institutions (PFIs) 78442 56097 84036 90751 15.7 61.8
3.10 Other Services3 515550 529059 536856 519979 0.9 -1.7
4. Personal Loans 2845527 2675697 2955599 2985430 4.9 11.6
4.1 Consumer Durables 8810 8253 11628 12313 39.8 49.2
4.2 Housing 1458358 1380115 1485234 1490157 2.2 8.0
4.3 Advances against Fixed Deposits 62975 57145 63734 64797 2.9 13.4
4.4 Advances to Individuals against share & bonds 4419 4483 4608 4714 6.7 5.2
4.5 Credit Card Outstanding 116537 114307 123312 122111 4.8 6.8
4.6 Education 63968 65349 63601 63452 -0.8 -2.9
4.7 Vehicle Loans 267352 255456 272610 275249 3.0 7.7
4.8 Loan against gold jewellery 60724 46221 65361 65630 8.1 42.0
4.9 Other Personal Loans 802385 744369 865510 887007 10.5 19.2
5. Priority Sector (Memo)            
5.1 Agriculture & Allied Activities4 1235082 1187677 1281929 1283063 3.9 8.0
5.2 Micro & Small Enterprises5 1113243 1123739 1120901 1099438 -1.2 -2.2
5.3 Medium Enterprises6 207615 180413 223621 242069 16.6 34.2
5.4 Housing 468659 444436 445739 444762 -5.1 0.1
5.5 Education Loans 48201 51424 47260 47039 -2.4 -8.5
5.6 Renewable Energy 1171 1171 1372 1244 6.2 6.2
5.7 Social Infrastructure 2352 1279 2336 2331 -0.9 82.2
5.8 Export Credit7 19028 14486 18931 16969 -10.8 17.1
5.9 Others 9169 10487 17063 17303 88.7 65.0
5.10 Weaker Sections including net PSLC- SF/MF 813263 797782 865136 862276 6.0 8.1
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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