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15. Deployment of Gross Bank Credit by Major Sectors
Date : Nov 18, 2022
(₹ Crore)
Sector Outstanding as on Growth (%)
Mar.25, 2022 2021 2022 Financial year so far Y-o-Y
Sep.24 Aug.26 Sep.23 2022-23 2022
1 2 3 4 % %
I. Gross Bank Credit (II+III) 11891314 10956817 12457877 12630051 6.2 16.4
II. Food Credit 55011 62342 27761 21788 -60.4 -65.1
III. Non-food Credit 11836304 10894475 12430116 12608263 6.5 16.9
1. Agriculture & Allied Activities 1461719 1377322 1540450 1561537 6.8 13.4
2. Industry (Micro and Small, Medium and Large) 3156067 2879155 3194889 3240817 2.7 12.6
2.1 Micro and Small1 532792 450704 562518 572958 7.5 27.1
2.2 Medium 213996 165207 220102 225083 5.2 36.2
2.3 Large 2409279 2263244 2412269 2442775 1.4 7.9
3. Services 3017258 2685190 3161533 3222163 6.8 20.0
3.1 Transport Operators 155352 140774 154843 157763 1.6 12.1
3.2 Computer Software 20899 19528 19697 21519 3.0 10.2
3.3 Tourism, Hotels & Restaurants 64378 61216 64184 66098 2.7 8.0
3.4 Shipping 8436 7761 7100 7245 -14.1 -6.7
3.5 Aviation 23979 30079 23182 23409 -2.4 -22.2
3.6 Professional Services 116742 110729 118689 120581 3.3 8.9
3.7 Trade 696301 614806 731760 745734 7.1 21.3
3.7.1 Wholesale Trade 351213 307160 381644 377709 7.5 23.0
3.7.2 Retail Trade 345088 307646 350116 368025 6.6 19.6
3.8 Commercial Real Estate 291168 279139 295212 297707 2.2 6.7
3.9 Non-Banking Financial Companies (NBFCs)2 of which, 1078447 897175 1144622 1171658 8.6 30.6
3.9.1 Housing Finance Companies (HFCs) 278979 254976 294601 302864 8.6 18.8
3.9.2 Public Financial Institutions (PFIs) 144121 84608 151675 152802 6.0 80.6
3.10 Other Services3 561556 523982 602243 610451 8.7 16.5
4. Personal Loans 3381699 3095346 3647906 3702006 9.5 19.6
4.1 Consumer Durables 27628 20854 32919 33506 21.3 60.7
4.2 Housing 1684424 1556182 1785713 1805808 7.2 16.0
4.3 Advances against Fixed Deposits 78730 71894 92579 96332 22.4 34.0
4.4 Advances to Individuals against share & bonds 6161 5657 6555 6636 7.7 17.3
4.5 Credit Card Outstanding 147789 131461 167443 167179 13.1 27.2
4.6 Education 82723 79917 87456 89537 8.2 12.0
4.7 Vehicle Loans 402689 374951 444808 449531 11.6 19.9
4.8 Loan against gold jewellery 75311 72111 78104 80617 7.0 11.8
4.9 Other Personal Loans 876244 782319 952329 972861 11.0 24.4
5. Priority Sector (Memo)            
5.1 Agriculture & Allied Activities4 1484923 1383368 1543634 1601293 7.8 15.8
5.2 Micro & Small Enterprises5 1377848 1204115 1449953 1483856 7.7 23.2
5.3 Medium Enterprises6 351900 257187 365946 371997 5.7 44.6
5.4 Housing 616814 572997 618053 625520 1.4 9.2
5.5 Education Loans 58118 59173 58329 58881 1.3 -0.5
5.6 Renewable Energy 3538 2112 4253 3750 6.0 77.5
5.7 Social Infrastructure 2483 2543 2388 2412 -2.8 -5.1
5.8 Export Credit 23330 26083 16220 15577 -33.2 -40.3
5.9 Others 37159 35613 47202 46305 24.6 30.0
5.10 Weaker Sections including net PSLC- SF/MF 1180928 1058609 1268007 1317533 11.6 24.5
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: Credit data are adjusted for past reporting errors by select SCBs from December 2021 onwards.
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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