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15. Deployment of Gross Bank Credit by Major Sectors
Date : Jun 16, 2022
(₹ Crore)
Sector Outstanding as on Growth (%)
Mar.25, 2022 2021 2022 Financial year so far Y-o-Y
Apr.23 Mar.25 Apr.22 2022-23 2022
1 2 3 4 % %
I. Gross Bank Credit (II+III) 11890638 10756517 11890638 11954640 0.5 11.1
II. Food Credit 55011 58335 55011 42552 -22.6 -27.1
III. Non-food Credit 11835628 10698182 11835628 11912088 0.6 11.3
1. Agriculture & Allied Activities 1461350 1336773 1461350 1478559 1.2 10.6
2. Industry (Micro and Small, Medium and Large) 3152449 2917372 3152449 3152414 0.0 8.1
2.1 Micro and Small1 532081 422612 532081 545070 2.4 29.0
2.2 Medium 213996 142134 213996 218112 1.9 53.5
2.3 Large 2406372 2352625 2406372 2389232 -0.7 1.6
3. Services 3017116 2717808 3017116 3018767 0.1 11.1
3.1 Transport Operators 155353 144026 155353 152498 -1.8 5.9
3.2 Computer Software 20899 20158 20899 20249 -3.1 0.4
3.3 Tourism, Hotels & Restaurants 64369 59878 64369 64941 0.9 8.5
3.4 Shipping 8437 5795 8437 7917 -6.2 36.6
3.5 Aviation 23979 28251 23979 23067 -3.8 -18.3
3.6 Professional Services 116743 109270 116743 117355 0.5 7.4
3.7 Trade 696349 623756 696349 707317 1.6 13.4
3.7.1 Wholesale Trade 351228 324485 351228 374605 6.7 15.4
3.7.2 Retail Trade 345121 299271 345121 332712 -3.6 11.2
3.8 Commercial Real Estate 291168 291713 291168 296145 1.7 1.5
3.9 Non-Banking Financial Companies (NBFCs)2 of which, 1078447 929877 1078447 1091216 1.2 17.4
3.9.1 Housing Finance Companies (HFCs) 278979 273161 278979 288085 3.3 5.5
3.9.2 Public Financial Institutions (PFIs) 144121 80322 144121 142802 -0.9 77.8
3.10 Other Services3 561373 505083 561373 538062 -4.2 6.5
4. Personal Loans 3385827 3002385 3385827 3442993 1.7 14.7
4.1 Consumer Durables 27613 17521 27613 28896 4.6 64.9
4.2 Housing 1684424 1500094 1684424 1706286 1.3 13.7
4.3 Advances against Fixed Deposits 78734 71234 78734 79768 1.3 12.0
4.4 Advances to Individuals against share & bonds 6261 5335 6261 6112 -2.4 14.6
4.5 Credit Card Outstanding 147782 128052 147782 153681 4.0 20.0
4.6 Education 82723 77783 82723 82600 -0.1 6.2
4.7 Vehicle Loans 402667 371006 402667 413536 2.7 11.5
4.8 Loan against gold jewellery 75311 76536 75311 74281 -1.4 -2.9
4.9 Other Personal Loans 880314 754825 880314 897834 2.0 18.9
5. Priority Sector (Memo)            
5.1 Agriculture & Allied Activities4 1485438 1332875 1485438 1529136 2.9 14.7
5.2 Micro & Small Enterprises5 1377138 1177524 1377138 1408936 2.3 19.7
5.3 Medium Enterprises6 351900 215045 351900 354749 0.8 65.0
5.4 Housing 614487 583421 614487 610187 -0.7 4.6
5.5 Education Loans 58118 58593 58118 57760 -0.6 -1.4
5.6 Renewable Energy 3842 1853 3842 3552 -7.5 91.7
5.7 Social Infrastructure 2483 2937 2483 2513 1.2 -14.4
5.8 Export Credit 23385 25051 23385 21144 -9.6 -15.6
5.9 Others 37159 16268 37159 43698 17.6 168.6
5.10 Weaker Sections including net PSLC- SF/MF 1180928 1003564 1180928 1212594 2.7 20.8
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 93 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.
Note 3: Bank credit growth are adjusted for past reporting errors by select SCBs.
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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