| (₹ Crore) |
| Sector | Outstanding as on | Growth(%) |
| Mar. 24, 2023 | 2022 | 2023 | Financial year so far | Y-o-Y |
| Aug. 26 | Jul. 28 | Aug. 25 | 2023-24 | 2023 |
| 1 | 2 | 3 | 4 | % | % |
| I. Bank Credit (II + III) | 13675235 | 12458658 | 14803212 | 14920147 | 9.1 | 19.8 |
| | | | (14186270) | (14317945) | (4.7) | (14.9) |
| II. Food Credit | 19906 | 27761 | 20836 | 19355 | -2.8 | -30.3 |
| III. Non-food Credit | 13655330 | 12430897 | 14782375 | 14900791 | 9.1 | 19.9 |
| | | | (14165434) | (14298590) | (4.7) | (15.0) |
| 1. Agriculture & Allied Activities | 1687191 | 1540450 | 1786862 | 1796113 | 6.5 | 16.6 |
| 2. Industry (Micro and Small, Medium and Large) | 3336722 | 3194889 | 3365411 | 3407881 | 2.1 | 6.7 |
| | | | (3347200) | (3389622) | (1.6) | (6.1) |
| 2.1 Micro and Small | 598390 | 561701 | 611474 | 621844 | 3.9 | 10.7 |
| 2.2 Medium | 253384 | 232922 | 254540 | 255701 | 0.9 | 9.8 |
| 2.3 Large | 2484949 | 2400266 | 2499398 | 2530336 | 1.8 | 5.4 |
| 3. Services | 3608574 | 3161534 | 3919012 | 3943220 | 9.3 | 24.7 |
| | | | (3787000) | (3814657) | (5.7) | (20.7) |
| 3.1 Transport Operators | 176239 | 154843 | 187449 | 188944 | 7.2 | 22.0 |
| 3.2 Computer Software | 21559 | 19697 | 22039 | 22206 | 3.0 | 12.7 |
| 3.3 Tourism, Hotels & Restaurants | 66466 | 64184 | 70988 | 71858 | 8.1 | 12.0 |
| 3.4 Shipping | 6677 | 7100 | 5730 | 5604 | -16.1 | -21.1 |
| 3.5 Aviation | 28330 | 23182 | 40134 | 39603 | 39.8 | 70.8 |
| 3.6 Professional Services | 134661 | 118689 | 142913 | 143340 | 6.4 | 20.8 |
| 3.7 Trade | 819921 | 731760 | 843538 | 835897 | 1.9 | 14.2 |
| 3.7.1. Wholesale Trade¹ | 396631 | 381644 | 420991 | 403155 | 1.6 | 5.6 |
| 3.7.2 Retail Trade | 423291 | 350116 | 422547 | 432742 | 2.2 | 23.6 |
| 3.8 Commercial Real Estate | 314604 | 295212 | 407014 | 408759 | 29.9 | 38.5 |
| | | | (331109) | (336177) | (6.9) | (13.9) |
| 3.9 Non-Banking Financial Companies (NBFCs)² of which, | 1331097 | 1099392 | 1377165 | 1383446 | 3.9 | 25.8 |
| 3.9.1 Housing Finance Companies (HFCs) | 314678 | 300879 | 316817 | 309883 | -1.5 | 3.0 |
| 3.9.2 Public Financial Institutions (PFIs) | 175614 | 139218 | 182824 | 178994 | 1.9 | 28.6 |
| 3.10 Other Services³ | 709020 | 647474 | 822042 | 843563 | 19.0 | 30.3 |
| | | | (781377) | (803216) | (13.3) | (24.1) |
| 4. Personal Loans | 4085168 | 3647906 | 4717408 | 4770125 | 16.8 | 30.8 |
| | | | (4257423) | (4314756) | (5.6) | (18.3) |
| 4.1 Consumer Durables | 20044 | 19096 | 21169 | 21221 | 5.9 | 11.1 |
| 4.2 Housing | 1936428 | 1783815 | 2431647 | 2456320 | 26.8 | 37.7 |
| | | | (2000508) | (2029296) | (4.8) | (13.8) |
| 4.3 Advances against Fixed Deposits | 121897 | 92579 | 109270 | 111037 | -8.9 | 19.9 |
| 4.4 Advances to Individuals against share & bonds | 6778 | 6555 | 6718 | 6833 | 0.8 | 4.2 |
| 4.5 Credit Card Outstanding | 194282 | 167543 | 213592 | 217864 | 12.1 | 30.0 |
| 4.6 Education | 96847 | 88626 | 103183 | 106502 | 10.0 | 20.2 |
| 4.7 Vehicle Loans | 500299 | 442784 | 529435 | 533965 | 6.7 | 20.6 |
| 4.8 Loan against gold jewellery | 88428 | 78835 | 95746 | 96265 | 8.9 | 22.1 |
| 4.9 Other Personal Loans | 1120165 | 968074 | 1206648 | 1220119 | 8.9 | 26.0 |
| | | | (1178414) | (1192357) | (6.4) | (23.2) |
| 5. Priority Sector (Memo) | | | | | | |
| (i) Agriculture & Allied Activities⁴ | 1708951 | 1543634 | 1800225 | 1816482 | 6.3 | 17.7 |
| (ii) Micro & Small Enterprises⁵ | 1570231 | 1444704 | 1676972 | 1718268 | 9.4 | 18.9 |
| (iii) Medium Enterprises⁶ | 399260 | 365946 | 407258 | 408062 | 2.2 | 11.5 |
| (iv) Housing | 621376 | 618053 | 762542 | 723138 | 16.4 | 17.0 |
| | | | (665249) | (622272) | (0.1) | (0.7) |
| (v) Education Loans | 59507 | 58329 | 60338 | 60553 | 1.8 | 3.8 |
| (vi) Renewable Energy | 4656 | 4253 | 4532 | 4766 | 2.4 | 12.0 |
| (vii) Social Infrastructure | 2464 | 2388 | 2580 | 2572 | 4.4 | 7.7 |
| (viii) Export Credit | 15424 | 16692 | 8920 | 9215 | -40.3 | -44.8 |
| (ix) Others | 59659 | 52451 | 51555 | 48587 | -18.6 | -7.4 |
| (x) Weaker Sections including net PSLC- SF/MF | 1384249 | 1243051 | 1429701 | 1416790 | 2.4 | 14.0 |
Notes: (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, pertaining to the last reporting Friday of the month.
(2) Data since July 28, 2023 include the impact of the merger of a non-bank with a bank. Figures in parentheses exclude the impact of the merger.
1 Wholesale trade includes food procurement credit outside the food credit consortium.
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” under the priority sector also include priority sector lending certificates (PSLCs).
5 “Micro and Small Enterprises” under the priority sector include credit to micro and small enterprises in industry and services sectors and also include PSLCs.
6 “Medium Enterprises” under the priority sector include credit to medium enterprises in industry and services sectors. |