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15. Deployment of Gross Bank Credit by Major Sectors
Date : Apr 18, 2022
(₹ Crore)
Sector Outstanding as on Growth (%)
Mar.26, 2021 2021 2022 Financial year so far Y-o-Y
Feb.26 Jan.28 Feb.25 2021-22 2022
1 2 3 4 % %
I. Gross Bank Credit (II+III) 10949509 10774742 11582442 11627008 6.2 7.9
II. Food Credit 61254 75206 82390 68224 11.4 -9.3
III. Non-food Credit 10888255 10699536 11500052 11558783 6.2 8.0
1. Agriculture & Allied Activities 1343216 1312285 1432743 1448928 7.9 10.4
2. Industry (Micro and Small, Medium and Large) 3032782 2945152 3046833 3135271 3.4 6.5
2.1 Micro and Small1 412655 404155 464420 484465 17.4 19.9
2.2 Medium 143193 137116 223376 235050 64.1 71.4
2.3 Large 2476933 2403881 2359037 2415757 -2.5 0.5
3. Services 2818709 2808122 2904619 2966593 5.2 5.6
3.1 Transport Operators 143305 141683 155422 149178 4.1 5.3
3.2 Computer Software 19773 17698 20344 20134 1.8 13.8
3.3 Tourism, Hotels & Restaurants 59739 57440 54461 64607 8.1 12.5
3.4 Shipping 7753 8418 6871 7480 -3.5 -11.1
3.5 Aviation 26119 26652 23407 23221 -11.1 -12.9
3.6 Professional Services 107722 106349 111576 113204 5.1 6.4
3.7 Trade 632495 600840 672389 687305 8.7 14.4
3.7.1 Wholesale Trade 320677 297113 333226 336982 5.1 13.4
3.7.2 Retail Trade 311818 303727 339163 350322 12.3 15.3
3.8 Commercial Real Estate 289439 288760 275661 288221 -0.4 -0.2
3.9 Non-Banking Financial Companies (NBFCs)2 of which, 958812 895996 1014179 1027183 7.1 14.6
3.9.1 Housing Finance Companies (HFCs) 218924 191432 232739 235080 7.4 22.8
3.9.2 Public Financial Institutions (PFIs) 78987 80092 122375 118244 49.7 47.6
3.10 Other Services3 573552 664286 570309 586058 2.2 -11.8
4. Personal Loans 2994721 2944789 3180477 3306650 10.4 12.3
4.1 Consumer Durables 17327 17055 25744 26587 53.4 55.9
4.2 Housing 1501141 1478790 1552989 1578125 5.1 6.7
4.3 Advances against Fixed Deposits 68955 60741 70009 76579 11.1 26.1
4.4 Advances to Individuals against share & bonds 5236 4957 5017 5968 14.0 20.4
4.5 Credit Card Outstanding 131193 131068 141254 144004 9.8 9.9
4.6 Education 64063 64554 63057 63130 -1.5 -2.2
4.7 Vehicle Loans 301876 298874 281518 329636 9.2 10.3
4.8 Loan against gold jewellery 60835 56596 69521 71408 17.4 26.2
4.9 Other Personal Loans 844095 832154 971366 1011213 19.8 21.5
5. Priority Sector (Memo)            
5.1 Agriculture & Allied Activities4 1280970 1263614 1354691 1375748 7.4 8.9
5.2 Micro & Small Enterprises5 1190612 1211174 1244132 1312435 10.2 8.4
5.3 Medium Enterprises6 222912 207995 275363 298107 33.7 43.3
5.4 Housing 491507 496751 480738 487611 -0.8 -1.8
5.5 Education Loans 48262 48610 46303 45643 -5.4 -6.1
5.6 Renewable Energy 1244 1495 1965 2573 106.9 72.1
5.7 Social Infrastructure 2666 2439 2447 2480 -7.0 1.7
5.8 Export Credit 31910 27983 24418 29721 -6.9 6.2
5.9 Others 15684 17366 39788 40603 158.9 133.8
5.10 Weaker Sections including net PSLC- SF/MF 870366 837992 875210 933147 7.2 11.4
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 94 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.

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