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15. Deployment of Gross Bank Credit by Major Sectors
Date : Jan 19, 2023
(₹ Crore)
Sector Outstanding as on Growth (%)
Mar.25, 2022 2021 2022 Financial year so far Y-o-Y
Nov.19 Oct.21 Nov.18 2022-23 2022
1 2 3 4 % %
I. Bank Credit (II+III) 11891314 11162193 12889117 12947735 8.9 17.2
II. Food Credit 55011 82415 25655 52240 -5.0 -36.6
III. Non-food Credit 11836304 11079778 12863462 12895495 8.9 17.6
1. Agriculture & Allied Activities 1461719 1402221 1590138 1595185 9.1 13.8
2. Industry (Micro and Small, Medium and Large) 3156067 2913713 3290584 3294514 4.4 13.1
2.1 Micro and Small 532792 465058 551961 556127 4.4 19.6
2.2 Medium 213996 173181 221072 224624 5.0 29.7
2.3 Large 2409279 2275474 2517551 2513763 4.3 10.5
3. Services 3017258 2733821 3321383 3315747 9.9 21.3
3.1 Transport Operators 155352 145451 160819 161037 3.7 10.7
3.2 Computer Software 20899 19827 22337 21210 1.5 7.0
3.3 Tourism, Hotels & Restaurants 64378 62223 63753 65092 1.1 4.6
3.4 Shipping 8436 7825 8690 7206 -14.6 -7.9
3.5 Aviation 23979 26773 23955 24445 1.9 -8.7
3.6 Professional Services 116742 111138 124531 124321 6.5 11.9
3.7 Trade 696301 632601 746578 733730 5.4 16.0
3.7.1 Wholesale Trade 351213 320889 372358 353789 0.7 10.3
3.7.2 Retail Trade 345088 311712 374220 379941 10.1 21.9
3.8 Commercial Real Estate 291168 283775 305139 304276 4.5 7.2
3.9 Non-Banking Financial Companies (NBFCs)1 of which, 1022399 916662 1255742 1218791 19.2 33.0
3.9.1 Housing Finance Companies (HFCs) 282048 264887 305430 307661 9.1 16.1
3.9.2 Public Financial Institutions (PFIs) 137084 94720 168466 178024 29.9 87.9
3.10 Other Services2 617603 527544 609839 655639 6.2 24.3
4. Personal Loans 3381699 3174145 3770285 3800330 12.4 19.7
4.1 Consumer Durables 27628 23581 34727 35658 29.1 51.2
4.2 Housing 1684424 1587475 1825900 1843862 9.5 16.2
4.3 Advances against Fixed Deposits 78730 70558 98302 96188 22.2 36.3
4.4 Advances to Individuals against share & bonds 6161 5807 6806 6758 9.7 16.4
4.5 Credit Card Outstanding 147789 138688 179178 173424 17.3 25.0
4.6 Education 82723 80631 90410 91069 10.1 12.9
4.7 Vehicle Loans 402689 382221 461375 468088 16.2 22.5
4.8 Loan against gold jewellery 73942 71174 83620 83755 13.3 17.7
4.9 Other Personal Loans 877613 814008 989967 1001529 14.1 23.0
5. Priority Sector (Memo)            
(i) Agriculture & Allied Activities3 1484923 1414893 1623409 1631458 9.9 15.3
(ii) Micro & Small Enterprises4 1377848 1241000 1430352 1457114 5.8 17.4
(iii) Medium Enterprises5 351900 283769 369542 369403 5.0 30.2
(iv) Housing 616814 580962 631708 613395 -0.6 5.6
(v) Education Loans 58118 59354 59415 58887 1.3 -0.8
(vi) Renewable Energy 3538 1961 4191 4177 18.1 113.0
(vii) Social Infrastructure 2483 2787 2402 2394 -3.6 -14.1
(viii) Export Credit 23621 22466 16909 15506 -34.4 -31.0
(ix) Others 37159 38725 43969 50219 35.1 29.7
(x) Weaker Sections including net PSLC- SF/MF 1180928 1097232 1337739 1361042 15.3 24.0
Note 1: Data are provisional. Bank credit, Food 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 2019, 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 changes.
Note 3: Credit data are adjusted for past reporting errors by select SCBs from December 2021 onwards.
1 NBFCs include HFCs, PFIs, Microfinance Institutions (MFIs), NBFCs engaged in gold loan and others.
2 “Other Services” include Mutual Fund (MFs), Banking and Finance other than NBFCs and MFs and other services which are not indicated elsewhere under services.
3 “Agriculture and Allied Activities” under the priority sector also include priority sector lending certificates (PSLCs).
4 “Micro and Small Enterprises” under the priority sector include credit to micro and small enterprises in industry and services sectors and also include PSLCs.
5 “Medium Enterprises” under the priority sector include credit to medium enterprises in industry and services sectors.

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