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15. Deployment of Gross Bank Credit by Major Sectors
Date : Sep 16, 2022
(₹ Crore)
Sector Outstanding as on Growth (%)
Mar. 25, 2022 2021 2022 Financial year so far Y-o-Y
Jul. 30 Jun. 17 Jul. 29 2022-23 2022
1 2 3 4 % %
I. Gross Bank Credit (II+III) 11891314 10800511 12149034 12369224 4.0 14.5
II. Food Credit 55011 77478 43559 32345 -41.2 -58.3
III. Non-food Credit 11836304 10723034 12105475 12336880 4.2 15.1
1. Agriculture & Allied Activities 1461350 1351072 1500875 1529206 4.6 13.2
2. Industry (Micro and Small, Medium and Large) 3152449 2880627 3168168 3182010 0.9 10.5
2.1 Micro and Small1 532081 434388 554398 557251 4.7 28.3
2.2 Medium 213996 160312 220669 219327 2.5 36.8
2.3 Large 2406372 2285927 2393101 2405433 0.0 5.2
3. Services 3017116 2722774 3070538 3171546 5.1 16.5
3.1 Transport Operators 155353 141665 152045 155202 -0.1 9.6
3.2 Computer Software 20899 20457 19687 20925 0.1 2.3
3.3 Tourism, Hotels & Restaurants 64369 59881 63973 65089 1.1 8.7
3.4 Shipping 8437 7558 7205 7306 -13.4 -3.3
3.5 Aviation 23979 32301 21733 22498 -6.2 -30.3
3.6 Professional Services 116743 109606 120107 118567 1.6 8.2
3.7 Trade 696349 630630 733416 720086 3.4 14.2
3.7.1 Wholesale Trade 351228 327579 384026 366135 4.2 11.8
3.7.2 Retail Trade 345121 303052 349390 353950 2.6 16.8
3.8 Commercial Real Estate 291168 284585 298732 294842 1.3 3.6
3.9 Non-Banking Financial Companies (NBFCs)2 of which, 1078447 913694 1101044 1163637 7.9 27.4
3.9.1 Housing Finance Companies (HFCs) 278979 255481 283992 305509 9.5 19.6
3.9.2 Public Financial Institutions (PFIs) 144121 83808 140173 157764 9.5 88.2
3.10 Other Services3 561373 522397 552596 603395 7.5 15.5
4. Personal Loans 3385827 3024152 3520062 3594016 6.1 18.8
4.1 Consumer Durables 27613 18945 30461 32175 16.5 69.8
4.2 Housing 1684424 1522703 1740921 1769249 5.0 16.2
4.3 Advances against Fixed Deposits 78734 64531 78429 87991 11.8 36.4
4.4 Advances to Individuals against share & bonds 6161 5557 6547 6473 5.1 16.5
4.5 Credit Card Outstanding 147789 126835 152931 162706 10.1 28.3
4.6 Education 82723 77773 84375 85098 2.9 9.4
4.7 Vehicle Loans 402667 368230 427654 438973 9.0 19.2
4.8 Loan against gold jewellery 75311 73215 75024 77325 2.7 5.6
4.9 Other Personal Loans 880406 766365 923719 934025 6.1 21.9
5. Priority Sector (Memo)            
5.1 Agriculture & Allied Activities4 1485438 1356044 1450586 1535442 3.4 13.2
5.2 Micro & Small Enterprises5 1377138 1209760 1429973 1441472 4.7 19.2
5.3 Medium Enterprises6 351900 246461 363489 367377 4.4 49.1
5.4 Housing 614487 592064 616839 606970 -1.2 2.5
5.5 Education Loans 58118 64601 57931 57499 -1.1 -11.0
5.6 Renewable Energy 3538 2245 3868 4239 19.8 88.8
5.7 Social Infrastructure 2483 3012 2586 2535 2.1 -15.8
5.8 Export Credit 23330 25734 18582 17637 -24.4 -31.5
5.9 Others 37159 34032 46243 47359 27.4 39.2
5.10 Weaker Sections including net PSLC- SF/MF 1180928 985765 1190612 1244034 5.3 26.2
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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