| (₹ Crore) |
| Sector | Outstanding as on | Growth (%) |
| Mar. 22, 2024 | 2023 | 2024 | Financial year so far | Y-o-Y |
| Aug. 25 | Jul. 26 | Aug. 23 | 2024-25 | 2024 |
| 1 | 2 | 3 | 4 | % | % |
| I. Bank Credit (II + III) | 16432164 | 14917312 | 16814792 | 16945162 | 3.1 | 13.6 |
| | (15901477) | (14315110) | (16321156) | (16459830) | (3.5) | (15.0) |
| II. Food Credit | 23081 | 19355 | 28190 | 24361 | 5.5 | 25.9 |
| III. Non-food Credit | 16409083 | 14897956 | 16786602 | 16920802 | 3.1 | 13.6 |
| | (15878397) | (14295755) | (16292966) | (16435470) | (3.5) | (15.0) |
| 1. Agriculture & Allied Activities | 2071251 | 1835215 | 2156320 | 2160634 | 4.3 | 17.7 |
| 2. Industry (Micro and Small, Medium and Large) | 3652804 | 3423736 | 3724547 | 3756194 | 2.8 | 9.7 |
| | (3635810) | (3405466) | (3707719) | (3740619) | (2.9) | (9.8) |
| 2.1 Micro and Small | 726315 | 655556 | 729948 | 743704 | 2.4 | 13.4 |
| 2.2 Medium | 303998 | 272435 | 317323 | 324747 | 6.8 | 19.2 |
| 2.3 Large | 2622490 | 2495745 | 2677277 | 2687744 | 2.5 | 7.7 |
| 3. Services | 4592227 | 4076334 | 4623910 | 4643586 | 1.1 | 13.9 |
| | (4490467) | (3945238) | (4538080) | (4559593) | (1.5) | (15.6) |
| 3.1 Transport Operators | 230175 | 206113 | 244262 | 243486 | 5.8 | 18.1 |
| 3.2 Computer Software | 25917 | 22953 | 27356 | 27990 | 8.0 | 21.9 |
| 3.3 Tourism, Hotels & Restaurants | 77513 | 73913 | 79202 | 80570 | 3.9 | 9.0 |
| 3.4 Shipping | 7067 | 6571 | 7076 | 7257 | 2.7 | 10.4 |
| 3.5 Aviation | 43248 | 39063 | 44637 | 44837 | 3.7 | 14.8 |
| 3.6 Professional Services | 167234 | 148659 | 171393 | 173738 | 3.9 | 16.9 |
| 3.7 Trade | 1025752 | 911267 | 1043753 | 1052622 | 2.6 | 15.5 |
| 3.7.1. Wholesale Trade1 | 538744 | 469729 | 545170 | 553316 | 2.7 | 17.8 |
| 3.7.2 Retail Trade | 487008 | 441538 | 498582 | 499305 | 2.5 | 13.1 |
| 3.8 Commercial Real Estate | 469013 | 437615 | 484531 | 494809 | 5.5 | 13.1 |
| | (400470) | (347121) | (426515) | (437854) | (9.3) | (26.1) |
| 3.9 Non-Banking Financial Companies (NBFCs)2 of which, | 1548027 | 1360082 | 1528856 | 1522204 | -1.7 | 11.9 |
| 3.9.1 Housing Finance Companies (HFCs) | 325626 | 311387 | 322052 | 322093 | -1.1 | 3.4 |
| 3.9.2 Public Financial Institutions (PFIs) | 226963 | 179094 | 202991 | 196565 | -13.4 | 9.8 |
| 3.10 Other Services3 | 998281 | 870098 | 992845 | 996074 | -0.2 | 14.5 |
| | (978198) | (845128) | (974349) | (977918) | (0.0) | (15.7) |
| 4. Personal Loans | 5331290 | 4876136 | 5507740 | 5555484 | 4.2 | 13.9 |
| | (4919468) | (4423287) | (5117905) | (5170917) | (5.1) | (16.9) |
| 4.1 Consumer Durables | 23713 | 22164 | 24606 | 24396 | 2.9 | 10.1 |
| 4.2 Housing | 2718715 | 2505634 | 2810108 | 2833166 | 4.2 | 13.1 |
| | (2331935) | (2081117) | (2443529) | (2471488) | (6.0) | (18.8) |
| 4.3 Advances against Fixed Deposits | 125239 | 112334 | 120373 | 121817 | -2.7 | 8.4 |
| 4.4 Advances to Individuals against share & bonds | 8492 | 7668 | 9422 | 9722 | 14.5 | 26.8 |
| 4.5 Credit Card Outstanding | 257016 | 230657 | 275601 | 276576 | 7.6 | 19.9 |
| 4.6 Education | 119380 | 106578 | 123066 | 126148 | 5.7 | 18.4 |
| 4.7 Vehicle Loans | 589251 | 536214 | 606174 | 610792 | 3.7 | 13.9 |
| 4.8 Loan against gold jewellery | 102562 | 99626 | 132535 | 140391 | 36.9 | 40.9 |
| 4.9 Other Personal Loans | 1386921 | 1255262 | 1405854 | 1412476 | 1.8 | 12.5 |
| | (1362113) | (1227512) | (1382681) | (1389666) | (2.0) | (13.2) |
| 5. Priority Sector (Memo) | | | | | | |
| (i) Agriculture & Allied Activities4 | 2081856 | 1851818 | 2196939 | 2152535 | 3.4 | 16.2 |
| (ii) Micro & Small Enterprises5 | 1974191 | 1786828 | 1998597 | 2027278 | 2.7 | 13.5 |
| (iii) Medium Enterprises6 | 490703 | 438500 | 511874 | 529582 | 7.9 | 20.8 |
| (iv) Housing | 755222 | 725674 | 748840 | 749534 | -0.8 | 3.3 |
| | (660572) | (624801) | (633763) | (661835) | (0.2) | (5.9) |
| (v) Education Loans | 62235 | 60127 | 61523 | 61988 | -0.4 | 3.1 |
| (vi) Renewable Energy | 5991 | 4727 | 7075 | 6844 | 14.2 | 44.8 |
| (vii) Social Infrastructure | 2613 | 2566 | 2937 | 1072 | -59.0 | -58.2 |
| (viii) Export Credit | 12855 | 13738 | 12163 | 11530 | -10.3 | -16.1 |
| (ix) Others | 61336 | 50079 | 58548 | 60587 | -1.2 | 21.0 |
| (x) Weaker Sections including net PSLC- SF/MF | 1647778 | 1443758 | 1743686 | 1692726 | 2.7 | 17.2 |
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 95 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. |