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15. Deployment of Gross Bank Credit by Major Sectors
Date : Jul 16, 2022
(₹ Crore)
Sector Outstanding as on Growth (%)
Mar. 25, 2022 2021 2022 Financial year so far Y-o-Y
May. 21 Apr. 22 May. 20 2022-23 2022
1 2 3 4 % %
I. Gross Bank Credit (II+III) 11891314 10727269 11954640 12027305 1.1 12.1
II. Food Credit 55011 90663 42552 53254 -3.2 -41.3
III. Non-food Credit 11836304 10636606 11912088 11974051 1.2 12.6
1. Agriculture & Allied Activities 1461350 1326698 1478559 1483557 1.5 11.8
2. Industry (Micro and Small, Medium and Large) 3152449 2910571 3152414 3164938 0.4 8.7
2.1 Micro and Small1 532081 414750 545070 551566 3.7 33.0
2.2 Medium 213996 146312 218112 218446 2.1 49.3
2.3 Large 2406372 2349509 2389232 2394926 -0.5 1.9
3. Services 3017116 2695701 3018767 3043206 0.9 12.9
3.1 Transport Operators 155353 141831 152498 152061 -2.1 7.2
3.2 Computer Software 20899 19270 20249 19241 -7.9 -0.1
3.3 Tourism, Hotels & Restaurants 64369 59088 64941 64358 0.0 8.9
3.4 Shipping 8437 5719 7917 7617 -9.7 33.2
3.5 Aviation 23979 27647 23067 22382 -6.7 -19.0
3.6 Professional Services 116743 109853 117355 119143 2.1 8.5
3.7 Trade 696349 629945 707317 714543 2.6 13.4
3.7.1 Wholesale Trade 351228 325833 374605 377061 7.4 15.7
3.7.2 Retail Trade 345121 304112 332712 337481 -2.2 11.0
3.8 Commercial Real Estate 291168 290337 296145 300774 3.3 3.6
3.9 Non-Banking Financial Companies (NBFCs)2 of which, 1078447 908834 1091216 1095777 1.6 20.6
3.9.1 Housing Finance Companies (HFCs) 278979 255908 288085 289048 3.6 12.9
3.9.2 Public Financial Institutions (PFIs) 144121 80304 142802 142580 -1.1 77.5
3.10 Other Services3 561373 503176 538062 547311 -2.5 8.8
4. Personal Loans 3385827 2979579 3442993 3467812 2.4 16.4
4.1 Consumer Durables 27613 17168 28896 29593 7.2 72.4
4.2 Housing 1684424 1502877 1706286 1708911 1.5 13.7
4.3 Advances against Fixed Deposits 78734 66580 79768 77906 -1.1 17.0
4.4 Advances to Individuals against share & bonds 6161 5269 6112 6172 0.2 17.2
4.5 Credit Card Outstanding 147789 118512 153681 154137 4.3 30.1
4.6 Education 82723 77941 82600 82721 0.0 6.1
4.7 Vehicle Loans 402667 366623 413536 418350 3.9 14.1
4.8 Loan against gold jewellery 75311 75984 74281 73752 -2.1 -2.9
4.9 Other Personal Loans 880406 748626 897834 916270 4.1 22.4
5. Priority Sector (Memo)            
5.1 Agriculture & Allied Activities4 1485438 1307555 1529136 1457961 -1.8 11.5
5.2 Micro & Small Enterprises5 1377138 1120944 1408936 1423956 3.4 27.0
5.3 Medium Enterprises6 351900 216816 354749 357217 1.5 64.8
5.4 Housing 614487 586715 610187 614155 -0.1 4.7
5.5 Education Loans 58118 59105 57760 57938 -0.3 -2.0
5.6 Renewable Energy 3538 1838 3552 3994 12.9 117.3
5.7 Social Infrastructure 2483 3023 2513 2545 2.5 -15.8
5.8 Export Credit 23385 21435 21144 20801 -11.0 -3.0
5.9 Others 37159 14287 43698 46082 24.0 222.5
5.10 Weaker Sections including net PSLC- SF/MF 1180928 989205 1212594 1165808 -1.3 17.9
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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